Service contract providers with a pro-rata refund, ranked by money-back period
Real money-back period (days) data for 10 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 10 vsc providers in yes, sorted by money-back period (days). Every number below comes straight from the source data, not an estimate.
Online option: Click 4 Coverage sells vehicle service contracts quoted online with no phone call. Get a quote at click-4-coverage.com.
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. autopom!
Money-back period (days): 30
Licensed broker; 30-day full refund then pro-rated; standard 30-day and 1,000-mile waiting period; quote by request or phone.
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. 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.
5. 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.
6. 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.
7. 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Inc. is administrator and obligor); 30-day full refund then pro rata less $75; sample contracts online; waiting period unpublished.
8. Premier Auto Protect
Money-back period (days): 30
Direct by its own words (no obligor or entity named); 30-day money-back then pro-rated refund; transferable; no sample contract or terms printed.
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.
10. Select Auto Protect
Money-back period (days): 30
Direct obligor (Select Auto, Inc.); 30-day money-back; 30-day/1,000-mile waiting period in sample contract; sample contract online; Oklahoma cease-and-desist Jan 2025.