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Toco

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6.6

Overall Score

LAST UPDATED: December 22nd, 2023

Toco Warranty's award-winning protection offers customers relief from vehicle breakdowns that are oftentimes unexpected, frustrating, and expensive.

Toco provides roadside assistance, car rental, a full concierge service, and can be used nationwide at any ASE-certified mechanic. Instead of charging customers upfront for years of coverage or requiring a hefty down payment, Toco allows clients to pay their coverage monthly instead. 

Toco administers claims in-house, offering complete control over the customer experience. While many providers are third-party retailers, Toco is the seller, administrator, and obligor of the contracts they sell.  Toco contracts are insured by AmTrust Financial Services.

Toco's Extended Warranty Coverage is available in 46 of the 50 United States. However, if you're a California resident, be sure you're reading about Toco's Mechanical Breakdown Insurance and not the extended warranty coverage. 

A warranty from Toco costs $80 to $85 per month, depending on the VIN and mileage on the car.

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The Good

  • 4 Coverage Levels
  • Honk
  • Warranty Benefits
  • Waiting Period
  • Licensed Repair Facilities
  • Customer Satisfaction

4 Coverage Levels

Toco offers one contract with four levels of coverage. The number of miles on the vehicle's odometer at the time a claim is submitted determines the level of coverage.

Toco's Orange level offers the most comprehensive coverage — extremely similar to the manufacturer's original warranty. In fact, when it comes to this plan, it's easier to look at what isn't covered rather than what is (this is similar to bumper-to-bumper coverage). This plan is for claims submitted under 100,000 miles on the odometer.

Toco's Yellow level offers fairly extensive coverage, it covers all the basics,  including high-tech electrical, modern features, brakes, and more.  This plan is for claims submitted between 100,001 and 150,000 miles on the odometer.

The Blue level provides coverage for your powertrain, plus some of the most important basics that keep your cooling, A/C, and electrical systems working.  The Blue level is for claims submitted between 150,001 and 200,000 miles on the odometer.

The Green level covers the most basic components that keep your car running (this coverage is similar to what other companies may refer to as a powertrain warranty). This level is for claims submitted between 200,001 and 250,000 miles on the odometer.

If you're interested in learning more about each of these plans' exact details, we recommend checking out Toco's sample contracts. The sample contracts are a great way to find out all the nitty-gritty details regarding coverage, filing a claim, cancellation costs, etc.

Honk

Toco uses the company Honk to provide roadside assistance. 

Honk is an on-demand roadside assistance platform that allows you to find (and order) roadside assistance from your phone. Honk is available 24/7, nationwide, and you only pay for the services you use. The Honk app connects you with roadside assistance partners who can help if you've been locked out of your car, need a jumpstart, have a flat tire, are out of fuel, or need a tow. 

Warranty Benefits

Alongside its fairly extensive coverage, all of Toco's extended car warranties come with the following benefits:

  • Roadside assistance — Jump-starts, flat tire changes, fuel delivery, locksmith, and towing services
  • Rental car benefits — Includes $35 per every four hours of labor performed on your vehicle with a maximum benefit of $175 per repair visit
  • Trip interruption coverage — Meal and lodging reimbursement up to $100 per day for 3 days when you experience a covered breakdown more than 100 miles from home
  • Hotel and motel discounts — Discounts on any stay booked through Hotels.com and a 5% rebate when you send your receipt to Toco

Waiting Period

To ensure your car is in working order, Toco has a mandatory waiting period before your coverage takes effect. Generally, the waiting period is 90 days and 1,000 miles (from the date of purchase). The waiting period may depend on your driving habits. A waiting period of 30 days and 1,000 miles is standard.  That said, Toco explains that its 90-day waiting period is to help prevent fraudulent claims and keep its rates low. 

Toco offers some customers the ability to submit claims immediately with a Certificate of Appreciation, which allows the customer to submit claims during the waiting period but limits the amount that can be paid towards claims. After the waiting period, the Toco Plan covers up to the value of a vehicle at the time of a claim and $15,000 over the life of the agreement.

Licensed Repair Facilities

Toco coverage can be used at any state-licensed repair facility or mechanic. However, if you choose a preferred repair facility (one that's been selected and assigned by the administrator of Toco's plans), your deductible may be waived or reduced. Just keep in mind that preferred repair facilities aren't available in all areas. 

Customer Satisfaction

Toco recently won several 2021 awards given by Stevie Awards for its Customer Service Training or Coaching Program and Customer Care Department. Many of the reviews left on BestCompany.com reveal that Toco customers are happy with this warranty provider and the level of coverage it provides. However, there are even more reviews praising Toco's customer support representatives. Specifically, customers have mentioned that they felt the support team was knowledgeable, polite, and quick with service. Others mentioned that the company representatives were happy to go through each protection plan and mention all of the benefits, possible discounts, and more. 

We've seen too many car warranty providers drop the ball on customer service and it's nice to see a company honor its commitment to customer satisfaction. 

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The Bad

  • State Coverage
  • Cancellation Costs
  • Late Payment Fee

State Coverage

Currently, Toco Warranty does not offer its car warranty services to those living in Alaska, Missouri, California, or Washington. However, enrolled customers have breakdown protection in all 50 states and Canada.

Cancellation Costs

Toco does allow customers to cancel their warranty plan. Just be sure to read your contract carefully to make sure you understand all the terms and conditions. Toco's Sample Contracts for the Orange, Blue, and Yellow plans state the following:

"If this contract is canceled within the first sixty (60) days and no claims have been filed, we will refund the entire contract charge paid.

If this Contract is canceled after the first sixty (60) days or a claim has been filed, we will refund an amount of the contract charge according to the pro-rata method reflecting the greater of the days in force or the miles driven based on the term/miles selected and the date coverage begins, less a fifty dollar ($50.00) administrative fee. Where permitted, the total amount of all authorized claims will be deducted from all refunds."

Late Payment Fee

Toco charges a $5 late payment fee for any account that is past due over five days. This fee may be waived at Toco’s discretion.

Be aware that your Toco contract may be canceled if you are over fifteen days past due (without communication). If your contract is canceled for non-payment, you can re-enroll but may have to restart the waiting period.

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The Bottom Line

As far as extended car warranty providers, Toco is a reliable option for car owners. The company's coverage and benefits (such as roadside assistance, rental car benefits, discounts, and more) offer comparable or better coverage than their competitors. Additionally, Toco’s commitment to customer experience and satisfaction exceeds that of third-party sellers and elevates Toco above most others in the space 

The cost of the Toco Plan depends on your car's make, model, mileage, and how often you drive. It's extremely easy to get a quote online and purchase a plan directly from the site. Toco also offers free agent consultation to answer any questions and make sure that customers fully understand the service and experience.

One thing that sets Toco apart from other companies is that they offer month-to-month payments so you can pay as you go and cancel if you no longer need it. Instead of spending money upfront on several years of coverage or making a large down payment, you can choose to make smaller monthly payments.

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Star Rating

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4.6

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116 Reviews

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6%

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4%

2 grade

3%

1 grade

4%

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Ann Benn Jacksonville, FL

Travis is an excellent listener and communicator. I felt heard as a customer and an as individual. He articulated the company's policy and procedures clearly and understandably. Did not make exaggerated promises about resolving the situation, just listened, explained, and offered to follow through. Although miscommunication can and does happen, it takes a professional such as Travis to smooth it over.

3 months ago

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Reply from Toco

Thank you for taking the time to leave a positive review. We appreciate the opportunity to serve and look forward to making a positive impression with each interaction. Thank you for allowing us to be your Trusted Repair Coverage.

Feb. 5th, 2024

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Cheree Champlain Brooklyn, NY

The rates are good when I had an issue with my car they was very professional and attentive. I received follow ups calls checking to make sure the roadside pick up went ok and the auto mechanic shop I pick I was satisfied. I have and I will always recommend Toco.

2 years ago

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Reply from Toco

Thank you for sharing your experience. We know that car repairs are not what anyone wants to deal with, so we hope that we made a difference. Thanks for allowing Toco to be your Trusted Repair Coverage.

Jun. 8th, 2021

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Jacqueline Houston, TX

I enjoy that they find everything and don’t try to sugar coat information. One time my warranty didn’t cover something and they were upfront and honest and went over my contact in detail to help me understand what was covered so I was satisfied. I have recommended Toco to several friends.

2 years ago

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Reply from Toco

We may be sweet, but we don't sugar coat. Our goal is to be transparent and accountable even when delivering unfortunate news. Thank you for understanding and for your recommendations.

Jun. 7th, 2021

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Nancy L Underwood Claremont, VA

There's no after-hours/weekend number for a customer or a repair shop to file a claim on the weekends after the Toco office is closed. The customer has to wait until Monday, email a copy of the repair bill to Toco, wait for approval of the repairs. Then the Toco customer has to wait to be reimbursed. All of this takes 2-3 weeks for reimbursement (a check) in the mail. Also, there's nothing in the Toco contract that "shop fees" aren't covered, which is deceiving. There needs to be a phone for repair shops to contact TOCO for authorization of repairs on weekends and after hours. Also, the mile coverage for towing to be extended beyond 15 miles. Sometimes a person may live in a rural area and there aren't any repair shops within 15 miles.

2 years ago

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Reply from Toco

Thanks for taking the time to offer feedback. We take it seriously. A supervisor will be reaching out to you today for additional clarity on your situation and to see if there is something else we can assist with.

Jun. 8th, 2021

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Alnita Montgomery, AL

In my book they are number one. They listen to people when they call and they let you know if there is something wrong with the vehicle. They help me out when I need them. I won’t use anybody else.

2 years ago

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Reply from Toco

Number 1! Number 1! That's exactly where we want to be. Thanks so much for your review, your business, and your trust.

Jun. 7th, 2021

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Namon Nashville, TN

It is convenient and the cost is good. They answer the phone and follow p. I had one incident where the customer service went above and beyond the call of duty to help me out.

2 years ago

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Reply from Toco

Thanks for taking the time to leave a nice review. We look forward to impressing you with each interaction.

Jun. 7th, 2021

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Velveeta Mays Landing, NJ

Best price for the best service. I have used my warranty for major parts and it’s been very good because they pay a lot up front. It takes a load off your mind. The service is very quick.

2 years ago

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Reply from Toco

We think that you are the best too! Thanks for taking the time to leave a nice review. We look forward to impressing you.

Jun. 7th, 2021

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KELVIN B DAVIS River Forest, IL

EVERYTHING WAS GREAT, THE AGENT WAS SO GOOD THAT ,THE QUESTIONS I REALLY HAD TO ASK,SHE ANSWER THEM WITH OUT ME ASKING ,THAT IS GREAT CUSTOMER SERVICE. THANK U AND THE AGENT I SPOKEN TOO TODAY.SO FAR CAUSE OF MY PASS EXPERIENCE WITH ANOTHER COMPANY LIKE CAR SHIELD. I WAS WITH THEM FOR 3YRS AND SOME .THEY DID NOT COVER A PART WHEN TIME WAS NEEDED. AND UNDER MY CONTACT IT WAS COVERED, AND THE COMPANY SAID IT WAS COVERED, BECAUSE OF ONE OF THE AGENT PUT SOMETHING IN WRONG I HAD TO PAY OUTER POCKET $ I NOT HAD.THAT COMPANY EVEN SAID THEY WAS WRONG I HAD IT RECORDED. BUT I STILL HAD PROBLEM. YES LATER PAID PAID ME BACK BUT IT TAKEN 3 MONTHS. WOW. YES THEY SAID ,AND THE TOP PEOPLE WRITTEN ME A LETTER FOR THEIR WRONG. BUT THEN I SIGN UP WITH TOCO. SO FAR EVERYTHING IS GREAT.I WILL KNOW IF ITS EVER NEEDED

3 years ago

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Reply from Toco

Wow! Those other guys didn't seem to take care of you very well. We look forward to helping out in your time of need and finding creative solutions to complex problems. Thank you for sharing your experience. We look forward to impressing you and we appreciate the opportunity to be your Trusted Repair Coverage.

Mar. 24th, 2021

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Dexter Antonio Phillips r u b i n Los Angeles, CA

Up until this point warranty response has been within a day or so and correction of payment has been within a day or two after provided the correct information such as debit card or credit card

2 years ago

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Reply from Toco

Thanks for taking the time to leave a review. We look forward to impressing you and giving you a 5-star experience.

Jun. 8th, 2021

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Christine Tempe, AZ

Everything went smooth when I used the warranty. I paid the deductible and Toco paid the rest. It provided the coverage I wanted. I always get good customer service.

2 years ago

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Reply from Toco

Wonderful! That's the way it should go. Thanks for taking the time to share your experience.

Jun. 7th, 2021

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Brenda Orlando, FL

I needed a tire changed and Toco came out to assist very quickly. They assist you in every way possible. They are very knowledgeable and answer questions.

2 years ago

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Reply from Toco

Thanks for the feedback. We look forward to impressing you each step along the way.

Jun. 7th, 2021

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Beverly Tarboro, NC

Overall it’s a really great company. They always give good customer service. They pay in a quick and efficient way. They have done exactly what they said they would do.

2 years ago

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Reply from Toco

Thanks for sharing your experience. We look forward to impressing you more.

Jun. 7th, 2021

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Destinee Elkridge, MD

Toco is affordable and covers all my basic needs for my vehicle. They have great customer service. Every time I call, someone always answers right away.

2 years ago

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Reply from Toco

We know that your time is valuable, so we make sure that someone is always at the ready.

Jun. 7th, 2021

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Joann Dallas, TX

I like the service they offer. They do exactly what they claim they will do. Their word is their bond. I paid the first hundred dollars and the paid the balance.

2 years ago

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Reply from Toco

100%. Thanks for taking the time to share your experience and thank you for allowing Toco to be your Trusted Repair Coverage.

Jun. 7th, 2021

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Eileen McRae, AR

Toco has been exceptional: easy to get ahold of, easy to get signed up with, easy to talk to, committed to making sure I was informed and had accurate expectations. What more could I ask? Great people like Esther who had to reach out to me multiple times to let me know I needed to renew. She was fresh, funny, human and extremely professional. And their warranty packages are the best value I've seen. Thank you Esther and Toco!

2 years ago

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Reply from Toco

Thank you for taking the time to leave a nice review. We appreciate your honest feedback and moreso, we appreciate your business and your trust. Thank you for being a part of the Toco family. we look forward to impressing you each step down the road.

Jun. 29th, 2021

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toco warranty Scottsdale, AZ

Marco was extremely helpful and proactive in information helping me with my account he exceeded my expectations going above and beyond -my expectations and provided world class customer service and this is why I love my warranty program with Toco and will recommend to all friends and family because of how Marco made me feel he provided amazing service

3 years ago

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Reply from Toco

Above and beyond is the Toco way! We appreciate your referrals and recommendations and look forward to providing referral bonuses. Thanks for taking the time to leave a review.

Mar. 30th, 2021

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Roger Jupiter, FL

I’ve been with Toco for over 5 years I’ve had several vehicles under warranty through Toco, currently I have 2 separate policies on 2 separate vehicles, over the 5-years I’ve had to make 2 claims both of which I was very satisfied in the way they handled and paid the claims. Toco took care of the situation for me and I would recommend them to anybody me I would highly recommend them

3 years ago

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Reply from Toco

Thank you for taking the time to leave a review. We appreciate your continued business and your trust. We look forward to continuing as your Trusted Repair Coverage. We appreciate your review, your time and your trust.

Mar. 30th, 2021

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Daniel ,

Quickly needed help and assistance in getting my payment sent on time but on a different date, the agent was on point with assistance and practice to me. Customer service was exceptionally outstanding. The time to set up the new Payment date took a mere 2 minutes, in the mean time the CSA, sent me a copy of my policy, was very polite as he answered all my questions I would definitely recommend TOCO to friends and family.

3 years ago

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Reply from Toco

We know that your time is valuable and we do everything that we can do to be efficient and accurate, while still offering the human touch. We look forward to being here when you need us (and even when you don't). Thanks again for taking the time to leave a review and for joining the Toco family.

Mar. 24th, 2021

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Luther Cruver Atlanta, GA

when my father was trying to get his car fixed last year, you guys gave him the run around and delay for weeks. We had the invoice that was sent and eventually I had to step in (daughter) to email it to someone there.

2 years ago

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Reply from Toco

Toco wants quick and easy resolutions for our customers and hates to hear when there are delays. Toco does not handle the claims aspect, only the enrollment and monthly payments, so when there are delays we will do anything we can to get the administrator to act quickly. Thanks for letting us know about your situation. We will look into it further.

Jun. 7th, 2021

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Edward Philadelphia, PA

When I called the representative explained everything to me. She was friendly and knowledgeable. I was pleased with that.

2 years ago

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Reply from Toco

Great to hear about your positive experience. We look forward to impressing you with each call.

Jun. 7th, 2021

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Carolyn Shawnee Mission, KS

The person in customer service I talked with was very influential and answered every questions or concern I had. I was very happy with that.

2 years ago

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Reply from Toco

Great to hear. We are here when you need us.

Jun. 7th, 2021

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Chadana Red Oak, TX

Everybody is courteous and informative an they used to be a really good company but I am not too pleased with them right now. I was extremely disappointed when twice things were not covered under my contract.

2 years ago

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Reply from Toco

Hi Chadana, no one likes to be disappointed in something that they buy and we are the same way. Our goal is to make sure that this doesn't happen again. Thank you for taking the time to leave us feedback; we will be investigating.

Jun. 7th, 2021

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Dexter A Phillips-Rubin Inglewood, CA

Up until this point the representatives have been knowledgeable Fair Expedia professional is it true the service is I'm afraid have been at a reasonable premium

2 years ago

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Reply from Toco

We appreciate your business and allowing us the opportunity to serve.

Jun. 7th, 2021

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jack scatena Palatine, IL

Well, I just signed on so it's hard to tell. I will know "IF" I have to use it's services which I hope I don't. Ester was very polite and informative, and when I had a question, she took the time to get the right answer. Always a good sign. So, she so far is the your representative and she did excellent.

2 years ago

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Reply from Toco

Hopefully you never need to use it (no one wants to have a breakdown), but we will be here for you if you do. Thank you for joining the Toco family.

Sep. 21st, 2021

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Kim Henson Washington, DC

She was very good she was very respectful she knew how to treat her customers she knew how to talk to me she knew have to show me what to do it's playing everything to me she's very intelligent and I love communicating with her thank you very much

2 years ago

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Reply from Toco

Treating customers with dignity and respect is the most important value we have at Toco. We know that real people need real solutions to real problems, and that is why Toco is committed to being your Trusted Repair Coverage each step along the way.

Aug. 11th, 2021

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Michele Ciuffo New York, NY

My agent is Jay A. His customer service is excellent. I am 73yrs.old he was very patient with me. He explained everything to me. Excellent job. I worked for customer service department my whole life. Very impressed. I thank you

2 years ago

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Reply from Toco

Thank you for taking the time to leave a review. We look forward to impressing you with each interaction. Toco is excited to be your Trusted Repair Coverage.

Jul. 2nd, 2021

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Jeannette E Garrison California, MD

I spoke with Dylan on 3 occasions, his customer service and knowledge of toco and helping me with all questions was outstanding. He was always pleasant, polite and had patience with me. In the future when calling toco I hope he's my representative.

2 years ago

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Reply from Toco

Thank you for sharing your experience. We are excited to have you a part of the Toco family and we look forward to helping you anytime. Thank you again for allowing us to be your Trusted Repair Coverage.

Apr. 20th, 2021

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Micah Brown Catonsville, MD

I really appreciated my experience with Toco. They gave me a sense of security and the knowledge I needed to make the most informed decision that i could. I would very much recommend Toco to anyone that is looking for car protection / warranty coverage. I truly believe I am in good hands.

3 years ago

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Reply from Toco

Awesome! Thanks for taking the time to leave such a nice review. We appreciate that you have allowed us to be your Trusted Repair Coverage. We look forward to continuing to deliver the Toco Promise: Easy, Affordable, Stress-Free.

Mar. 24th, 2021

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Frank Gill , OH

My experience from day one has been very informative, helpful, courteous and very knowledgeable about there warranty. If they do not know an answer regarding a question that you asked they will find out while you are on the phone or a quick response by email. Very pleased with TOCO.

3 years ago

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Reply from Toco

Thanks for taking the time to share your experience. We know that your time is valuable and no one likes to be put on hold, so if we need to investigate we like to provide a callback option. We offer online chat and customer portal as well. If you need our help, we are here for you!

Mar. 24th, 2021

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Demarcus East Saint Louis, IL

Every time I’ve used the warranty, it has been a success. They are a great company. I have been taken care of.

2 years ago

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Reply from Toco

Great to hear! While no one wants to have car repairs come up, we are happy to be there for you when they do.

Jun. 7th, 2021

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Richard Albuquerque, NM

The best price and coverage. Every time I call, I get good service. One time I got a little misinformation and they corrected it.

2 years ago

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Reply from Toco

Thanks for allowing us to correct the issue. We certainly want to avoid any issues, but when they come up we are accountable for them. Thank you again.

Jun. 7th, 2021

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Sharon Birmingham, AL

All my questions and things like that have been answered. They really wanted to help me get the right coverage.

2 years ago

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Reply from Toco

Our goal is to get you the right coverage at the right price. We know that the thought of expensive car repairs can be burdensome, so we appreciate being able to lighten the load. Thanks for allowing us to be your Trusted Repair Coverage.

Jun. 7th, 2021

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Benita Essington, PA

Great company that provided great customer service. They walked me through it in detail, step by step.

2 years ago

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Reply from Toco

It is great to hear about your positive experience. Thanks for taking the time to leave a review. We appreciate you.

Jun. 7th, 2021

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Bryan Las Vegas, NV

The customer service is great. The guy that helped me was very good and understood how to put things together.

2 years ago

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Reply from Toco

Thanks for taking the time to leave a review. We appreciate you and look forward to working with you.

Jun. 7th, 2021

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Matt Perry, GA

Everything, the product and the company is good. They are customer focused. They act as they say they will.

2 years ago

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Reply from Toco

Thanks for your feedback. We strive to impress every customer, every time.

Jun. 7th, 2021

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Dwayne Coleman Wilmington, DE

I had my car work on and no one from toco warranty to let me know if my work was approved or not. So that's why I am feeling this way about the services that you give.

2 years ago

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Reply from Toco

Thanks for the feedback. Because of your review, we have changed the operational procedure to make sure that there is a tighter customer feedback loop. We appreciate the opportunity to serve.

Jun. 7th, 2021

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Paul Brown Marion, OH

It was nice dealing with Esther, a person whom I believe I can trust and relate to. We had no language barriers. It was obvious she was not reading from a script, and just as obvious that she loves her job.

2 years ago

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Reply from Toco

Thanks for leaving such a nice and detailed review. We know that successful communication leads us all to greatness, so we allow our agents to be themselves. Thanks for taking the time to leave such nice feedback.

Sep. 2nd, 2021

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Tharessa Langley Philadelphia, PA

I'm very satisfied with Toco Car Warranty Their customer service is very knowledgeable and passionate with helping me with any questions that I may have I'm happy that I picked them

2 years ago

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Reply from Toco

Thanks for taking the time to leave such a nice review. We are always here to help. We appreciate you, your business, and your trust.

Jun. 7th, 2021

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Dorothy Jean Price Spring, TX

Thus far since the day of my registration I was greeted with much hospitality. I am a previous customer of Toco. I do pray the experience this time will be far better than before.

3 years ago

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Reply from Toco

We are so happy to have you aboard. We anticipate that you will have a great experience and we look forward to being your Trusted Repair Coverage.

Mar. 30th, 2021

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Peggy Reed East Orange, NJ

Marco was very good at customer service and taking care of my needs. He had left me a voice mail a few days ago and remembered right away why I was calling very professional.

3 years ago

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Reply from Toco

Thanks for the feedback. We appreciate the opportunity to be of service.

Mar. 24th, 2021

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Dana Miller Marietta, GA

When calling customer service, my call is always answered in a timely manner. The Reps that I talk to are very knowledgable and professional. Having this warranty on my two vehicles definaltly gives me peace of mind!!

3 years ago Edited September 14, 2021

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Reply from Toco

Waiting on hold is the worst. That is why Toco commits to having answer times under 20 seconds and trains agents to be efficient and accurate on the first call (so you don't have to make a second call). Thanks for leaving feedback and thanks for being such a great Toco customer!

Mar. 24th, 2021

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D. Sloan Americus, GA

I HAVE BEEN A CUSTOMER FOR OVER 3 YEARS, WHEN IT WAS TIME TO USE MY WARRANTY I WAS VERY DISAPPOINTED. MY VEHICLE REQUIRED 6 FUEL INJECTORS, MY WARANTY COVERED DIFFERENT FUEL PROBLEMS EXCEPT THE INJECTORS WHICH WAS VERY EXPENSIVE WORK NOT TO MENTION THE LABOR, YOU WOULD THINK FUEL INJECTORS WOULD BE COVERED UNDER FUEL PROBLEMS. WHEN I NEEDED MY WARRANTY THE MOST FOR THE FIRST TIME IT WAS ALL FOR NOTHING. I BEGAN THINKING MAYBE TOCO KNEW THAT FUEL INJECTORS WERE A PROBLEM WITH MY TYPE OF VEHICLE AND THEY KNOW WHAT PARTS TO COVER AND NOT TO COVER WHEN ISSUING THESE CONTRACTS. I KNOW FOR SURE IF THIS HAPPENS AGAIN THEY WILL DEFINITELY LOOSE THIS TRYING TO BE A LOYAL CUSTOMER DEAL. I TRULY HOPE IN THE FUTURE TOCO WILL COME THRU FOR ME WHEN I'M IN NEED AGAIN, I CURRENTLY HAVE 2 VEHICLES UNDER CONTRACT, I JUST WANT MY MONEY'S WORTH I HAVE INVESTED IN THESE CONTRACTS OVER THE YEARS.

5 years ago

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Reply from Toco

We are sorry that the experience was not what you had hoped. Unfortunately, items that are not listed in the contract are not covered. We hope that you were able to find a solution and we wish you the best.

Mar. 24th, 2021

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Alvin Brown

I like how they are so quick to contact my mechanics to approve my needed service .

5 months ago

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Reply from Toco

Thanks for your feedback! We're pleased to hear you appreciate our prompt service in contacting your mechanics. Your satisfaction is our priority. If you ever need assistance in the future, don't hesitate to reach out.

Oct. 20th, 2023

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William Gilmore Burlington, NC

Haven't had to use the services, so can't really give a true opinion. But the customer service reps are great

2 years ago

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Reply from Toco

Thanks for taking the time to leave a review. We appreciate your time, your business, and your trust.

Jun. 8th, 2021

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Chauntell Newport News, VA

I rate them a 5 because of their timely service and their excellent customer service

2 years ago

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Reply from Toco

Thanks for taking the time to leave a wonderful review. We look forward to an amazing relationship for years to come. Thanks for allowing Toco to be your Trusted Repair Coverage.

Jun. 8th, 2021

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Crystal Frilot Houston, TX

Very professional, and gave accurate description of what I'm going to be paying for

2 years ago

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Reply from Toco

Thanks for taking the time to leave a review. Toco looks forward to impressing you each step along the way.

Jun. 7th, 2021

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Catina Orange, NJ

My rep was very up front with me on everything. I feel like you give me more than what I am using.

2 years ago

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Reply from Toco

Customer education, transparency, and accountability are the cornerstones of Toco's mission. We look forward to impressing you each step along the way and we are here if you need us.

Jun. 7th, 2021

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Anonymous Houston, TX

It's economical and everybody is warm and friendly. It has been a good experience.

2 years ago

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Reply from Toco

We look forward to making your good experience great! Thanks for taking the time to share and thanks for joining the Toco family.

Jun. 7th, 2021

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Jermaine Tarboro, NC

I am a very dissatisfied customer. I had a situation with my vehicle and I thought it was covered but it was not and it was a twelve hundred dollar repair. I am no longer interested in them.

2 years ago

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Reply from Toco

We are sorry to hear about your experience and we would be happy to investigate.Unfortunately, this platform doesn't provide your email address or phone number for us to reach out to. Please call us if we can help.

Jun. 7th, 2021

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Don't use TOCO Belleview, FL

If your considering toco..... RUN!!! RUN FAR FAR AWAY!!! they will happily take your payments. Then when your broke down.. They will happily REFUSE YOUR CLAIM. there will always be a REASON to SAY NO!! I lost my sweet lincoln mkz because of them. I had to trade it in with a blown motor because they flat out REFUSED THE CLAIM. this is a SCAM COMPANY that TAKES YOUR MONEY AND REFUSES TO DELIVER. if I could I would give them a 0 star. I WILL NEVER FORGIVE THEM FOR THE HELL THEY PUT ME THROUGH. THE CRAPPY COVERAGE THEY PROVIDE. this is a OFFICIAL WARNING!!!!! DO NOT USE THEM!!! STAY AWAY!!!! FAR FAR AWAY!!!!

2 years ago

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Reply from Toco

Toco is sorry to hear about your situation and would love to see what can be done to assist. Toco is committed to making sure that our customers are taken care of and treated fairly. A supervisor will be reaching out.

Nov. 10th, 2021