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Toco Warranty Review

Daniel Blechynden

In a Nutshell

Toco Warranty offers streamlined, hassle-free vehicle warranty solutions. It has 3 simple plans, and the level of cover you get will depend on the age and condition of your vehicle. There are no complicated add-ons, and the signup process is intuitive. Toco Warranty is compatible with any licensed repairer, and the claims process is very simple. You just need to inform the team of your repairs and let them take care of the paperwork.

pros

  • Streamlined signup process
  • Any licensed repairer supported
  • Full roadside assistance and more

cons

  • Quite basic plans
  • Limited cover for older vehicles

Toco Toco Visit Site

Toco Warranty Plans

Toco Warranty has 3 plans. The most basic Blue plan is available for vehicles aged 2001 or newer with under 175,000 miles. Vehicles aged 2012 or newer with under 100,000 miles can access the Yellow plan, while the Orange plan is only available for 2017 or newer model vehicles with under 60,000 miles on the clock. By default, plans come with a 30-day and 1000-mile waiting period. 




Blue (Best for older vehicles)
Yellow (Best for general coverage)
Orange (Best for comprehensive coverage)
Air Conditioning

Yes


Yes


Yes

Brakes

No

Yes
Yes
Cooling System

Yes

Yes
Yes
Drive Axle

Yes

Yes
Yes
Electrical Components

Yes

Yes
Yes
Engine

Yes

Yes
Yes
Suspension

No

Yes
Yes
Fuel

Yes

Yes
Yes
Gaskets

Partly

Partly
Yes
Steering

No

Yes
Yes
Transfer Case

Yes

Yes
Yes
Transmission

Yes

Yes
Yes
Turbo/Supercharger

Yes

Yes
Yes

Optional Add-Ons

Optional add-ons aren’t available. 

Plan Exclusions

A wide range of vehicle parts and accessories isn’t covered. A full list of these exclusions can be found on the Toco Warranty website. General maintenance, pre-existing conditions, and issues caused by a failure to perform maintenance aren’t covered. Other things that could void your policy include aftermarket alterations, unauthorized commercial use, and damage from things like fire, theft, or vandalism. 

Toco Warranty Plan Pricing

Toco Warranty offers custom prices according to your vehicle and its age and condition. Price estimates are available via an online quote tool, which we tested to help you get an idea of what you can expect to pay. 

We were quoted $84.12 to $120.96 per month for a 2020 Ford Explorer with 40,000 miles. For a 2010 Nissan Pathfinder that has done 100,000 miles, you can expect to pay $94.38 per month. Similar price ranges appeared with further tests. Variable deductibles do apply if you need to request repairs. 


Mileage
Lower price estimate
Upper price estimate
2010 Nissan Pathfinder
100,000
$94.38
$94.38
2020 Ford Explorer
40,000
$84.12
$120.96

How to file a claim with Toco Warranty

If your car is driveable, you will need to take it to a licensed repairer. Provide them with your contract and then speak with the Toco Warranty team before repairs are carried out to ensure they are authorized. If your vehicle is disabled, follow the steps on the Toco Warranty website to connect with roadside assistance and get it to the nearest repairer. Repairs will be made within a reasonable timeframe, but this can depend on your repairer, how busy they are, and whether they need to wait for parts to arrive. There doesn’t appear to be any payout cap. 

Is Toco Warranty Legit?

Toco Warranty has a great reputation across the web. It has an A+ rating from the BBB, along with just 62 complaints in the past 3 years. On TrustPilot, the company has a 4.4-star rating from 335 reviews. 

What’s Unique About Toco Warranty?

Toco Warranty provides quite standard vehicle warranty solutions. One standout is its Orange exclusionary plan, which provides comprehensive coverage across the board. Payments can be made monthly rather than upfront, you can use any licensed repair facility, and the claims process is straightforward. 

Help and Support

Phone support is available from 9:30 am to 5:00 pm (CST), Monday to Friday. Email support is also available, but online live chat is notably absent. 

On the plus side, there’s a large list of FAQs touching on everything from the finer details of your contract to billing and the claims process. There’s also a knowledge center containing a selection of basic informational articles. 

What about the Toco Warranty App?

Toco Warranty doesn’t currently have an app. 

Toco Toco Visit Site

Bottom Line

If you’re looking for a simple vehicle warranty solution, Toco Warranty could be a good option. It offers competitively priced plans with simple online quotes, monthly payments, and full roadside assistance. 

On top of this, Toco Warranty has a great reputation coupled with an A+ BBB rating. The claims process is quite simple, and you shouldn’t have any problems if you ensure you’re familiar with your policy before attempting a claim. 

FAQs

Is Toco Warranty a car insurance company? 

No, Toco Warranty isn’t a car insurance company. Rather, it offers vehicle warranty solutions that are designed to cover repair costs if your vehicle breaks down. Note, though, that only specified parts and vehicle components are covered. 

How much does Toco Warranty cost? 

The prices for a Toco Warranty subscription vary according to your vehicle, its age, and how many miles are on its odometer. Based on our research, average plans tend to sit around $100 per month, or even slightly less. 

Does Toco Warranty cover all repairs? 

No, only certain repairs will be covered by Toco Warranty. These will be clearly outlined in your policy. 

Contributing to the likes of top10.com, TechRadar and Tom’s Guide, Daniel’s writing focuses on technology, science, and dependable reviews. He has been a regular critic of software and products from various industries for several years, often utilizing his academic background in the sciences.

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20 Oct 2021

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