Service contract providers that name their obligor, ranked by money-back period
Real money-back period (days) data for 9 vsc providers, pulled October 2026.
Published . Ties alphabetical. The method box below names the data file and its pull date.
The State Coverage Index ranked 9 vsc providers in yes, sorted by money-back period (days). Every number below comes straight from the source data, not an estimate.
1. Ally Premier Protection
Money-back period (days): 60
Dealer-sold plans with provider Universal Warranty Corporation named; 60-day full refund then pro-rated; coverage starts on purchase date; $0 deductible option; sample contract online.
2. CARCHEX
Money-back period (days): 30
Direct marketer of partner providers' plans; 30-day money-back guarantee; sample contracts online; transferable for about $50; not sold in California.
3. CarShield
Money-back period (days): 30
Direct provider; full refund within 30 days; 30-day, 1,000-mile waiting period; sample contracts online; FTC settlement July 2024.
4. Click 4 Coverage
Money-back period (days): 30
Seller; quoted online with no phone call; $100 deductible on every plan; 30-day waiting period with a full refund inside it; sample contract posted; administrator and obligor named; seller name and mailing address printed; not sold in eight states, which it lists.
5. Endurance
Money-back period (days): 30
Direct provider; 30-day full refund; 30-day and 1,000-mile waiting period; sample contracts online; obligor and insurer named.
6. Everything Breaks
Money-back period (days): 30
Seller (Advance Core Capital Inc. obligor, EB Administrator, LLC administrator); 30-day full refund; 1 month and 1,000 mile wait; disappearing deductible to $0; sample contracts online.
7. olive
Money-back period (days): 30
Seller; full refund within 30 days; no waiting period; sample contract online; price shown after name, ZIP and email.
8. Omega Auto Care
Money-back period (days): 30
Direct (EGV Companies, Inc. is administrator and obligor); 30-day full refund then pro rata less $75; sample contracts online; waiting period unpublished.
9. Route 66 Extended Warranty
Money-back period (days): 30
Sold only through financial institutions; $0 deductible; 30-day money-back then pro-rata refund; coverage starts on purchase day; insured by American Bankers Insurance Company.