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Toco Warranty vs Uproar.car

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Pros
  • Choice of licensed repair facilities
  • Direct payment to repair shops
  • Roadside and trip interruption benefits
  • No down payment required
Pros
  • No down payments required
  • Month-to-month plans
  • $1,760+ in annual membership perks
Cons
  • No published pricing
  • 90-day/1,000-mile waiting period in most states
  • Non-transferable coverage
  • $15,000 aggregate coverage limit
Cons
  • Only offers 2 coverage tiers
  • Pre existing conditions are not covered
  • Vehicle must be less than 10 years old and less than 120,000 miles
  • Company has shut down
Summary

Founded in 2013 and headquartered in Houston, Texas, Toco Warranty is a direct-to-consumer vehicle service contract provider offering month-to-month protection for eligible vehicles. Their coverage follows a mileage-based structure, with four levels that change as an enrolled vehicle accumulates miles and protection that can continue up to 250,000 miles. Customers can use state-licensed repair facilities, while approved claims are paid directly to the service location. Coverage also comes with breakdown-related perks, including roadside services, rental assistance, and trip interruption benefits. Toco is accredited by the Better Business Bureau and currently holds an A+ BBB rating. Customer feedback is largely positive, with BBB reviewers frequently highlighting helpful service, successful claims, and repair-cost savings, though complaints also raise concerns about claim decisions, maintenance documentation, and repair delays. Their combination of mileage-based coverage, monthly contracts, and high-mileage protection gives prospective customers several factors to examine more closely when comparing vehicle protection options.

Summary

On January 24, 2022, Olive.com completed the acquisition of Uproar.car, a Seattle-based fully digital startup specializing in extended auto warranties. This strategic move is set to enhance Olive.com's digital proficiency and broaden its customer base. Through this acquisition, Olive.com aims to strengthen its position in the expanding market for extended auto warranties.

Quick Stats
  • BBB Rating : A+ (Accredited)
  • Maximum Mileage : 250,000 miles
  • Money-Back Guarantee : Undisclosed
  • Number of Plans Available : 4
  • Waiting Period : 90 days / 1,000 miles (30 days / 1,000 miles in Georgia)
  • Operating Status : Active
  • Deductible Range : $75–$100
Quick Stats
  • BBB Rating : NR
  • Maximum Mileage : 120,000
  • Money-Back Guarantee : 90-day money-back guarantee
  • Number of Plans Available : 2
  • Waiting Period : Unavailable
  • Operating Status : Closed
Selling Points
  • Coverage can continue up to 250,000 miles
  • Four mileage-based coverage levels
  • Month-to-month contracts
  • Coverage automatically adjusts as vehicle mileage increases
Selling Points
  • $1,760+ in annual membership perks
  • Month-to-month plans
  • No down payments required
Coverage & Plan Flexibility
  • High-mileage
  • Exclusionary
  • Powertrain
  • $0 deductible option
  • Commercial/rideshare
  • EV/hybrid components
  • No waiting period
  • Option with free maintenance benefits
  • Transferable
Coverage & Plan Flexibility
  • —
    Undisclosed
    High-mileage
  • —
    Undisclosed
    Exclusionary
  • —
    Undisclosed
    Powertrain
  • —
    Undisclosed
    $0 deductible option
  • —
    Undisclosed
    Commercial/rideshare
  • —
    Undisclosed
    EV/hybrid components
  • —
    Undisclosed
    No waiting period
  • —
    Undisclosed
    Option with free maintenance benefits
  • —
    Undisclosed
    Transferable
Claims & Repair Experience
  • 24/7 roadside assistance
  • Any licensed repair shop
  • Direct shop payment
  • In-network repair network
  • Mobile app for claims
  • Online claims portal
  • Trip interruption coverage
Claims & Repair Experience
  • —
    Undisclosed
    24/7 roadside assistance
  • —
    Undisclosed
    Any licensed repair shop
  • Direct shop payment
  • In-network repair network
  • —
    Undisclosed
    Mobile app for claims
  • —
    Undisclosed
    Online claims portal
  • Trip interruption coverage
Customer Support & Transparency
  • Phone
  • 24/7 customer support
  • Email
  • FAQs / Educational resources
  • Live Chat
  • Mobile Application
  • Online quote without phone
  • Sample contracts online
Customer Support & Transparency
  • Phone
  • —
    Undisclosed
    24/7 customer support
  • —
    Undisclosed
    Email
  • FAQs / Educational resources
  • Live Chat
  • Mobile Application
  • —
    Undisclosed
    Online quote without phone
  • Sample contracts online
Contract & Payment Terms
  • Contract (lump-sum) payments
  • Pay-in-full discount
  • Month-to-month payments
  • Cancellation fee
  • Multi-vehicle discount
  • Price lock guarantee
  • *Not all payment methods are available in all states
  • *Some payment methods may incur additional fees
Contract & Payment Terms
  • Contract (lump-sum) payments
  • —
    Undisclosed
    Pay-in-full discount
  • —
    Undisclosed
    Month-to-month payments
  • —
    Undisclosed
    Cancellation fee
  • —
    Undisclosed
    Multi-vehicle discount
  • —
    Undisclosed
    Price lock guarantee
  • *Not all payment methods are available in all states
  • *Some payment methods may incur additional fees

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