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FAQ

About

Toco

Toco Warranty offers flexible, mileage-based vehicle service contracts with no upfront costs and monthly payment options. Designed for everyday drivers, Toco provides comprehensive breakdown coverage along with perks like roadside assistance and rental car reimbursement—all accessible through any ASE-certified repair shop.

Review

of

Toco

has

joined

the

Chaiz

Certified

program

and

went

through

our

Certification

process.

4.8

Provider Quality Score

Calculated by Chaiz based on three key factors:

4.8

Customer Review

Based on aggregated consumer ratings from major platforms such as Trustpilot, Google, Yelp etc.

4.5

Chaiz Transparency

Reflecting Chaiz's own assessment of each provider's transparency, plan quality, certification status.

Chaiz Transparency

Not reviewed /not affiliated with Chaiz.

Business Reliability

Incorporating BBB status, letter rating, complaints history, years in business and financial backing + strength.

Learn more about our certification and review process.

Where

can

I

buy

protection

from

Toco

?

Online via Chaiz.com

Provider Website

Local Dealerships

Toco gives you peace of mind by protecting you against expensive auto repair costs. Call us to learn more (800) 276-6435

Get a Quote

Optional Add-ons

Claims

How to file a Claim

Repair Facility- Start your claim by calling taking your car to any ASE-Licensed repair facility.
Initial Call - Give the repair facility your customer contract number and have them phone (800) 616-1215 if your contract starts with 911 or (800) 262-1386 if your contract starts with 111 to begin the process.
Cost Allocation – Repairs only begin after authorization. Toco pays the repair shop directly, you are only responsible for your deductible.
Pick up your repaired car - Once the work is done, collect your car and get back on the road.

Roadside Assistance

Call (855)-298-8626 for Roadside Assistance

Included in every plan.

Coverage Limits

Mileage & Vehicle Age

Toco provides coverage for vehicles of up to 250,000 miles on the odometer.

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Limit of Liability

The limit of liability describes the maximum payouts you can expect on a per case, lifetime of the contract or per category.

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Pre-Exisiting Conditions

Similar to insurance, vehicle service contracts only cover future mechanical issues — not pre-existing conditions. Securing coverage before problems arise ensures you're protected when it matters most.

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Cancel or Transfer a Plan

Cancelations

Pro-Rated refunds are based of time and mileage not used, as well as the state cancel fee.

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Transfer a Plan

Yes, with a small fee depending on the state.

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Cancelations

You will receive a full refund of the contract purchase price if you cancel within 30 days of purchasing the contract and no claims have been filed.

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Transfer a Plan

Yes, with a small fee which is generally $50 but may differ depending on the state. Toco must be notified of the transfer within 30 days from the date of sale to the new owner. Transfer acceptance must be confirmed by Toco before the new owner is effectivley covered.

Frequently Asked Questions

Are there waiting periods before coverage starts?

Yes there is a 30-day and 1,000-mile waiting period.

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Can I take my car to any repair shop?

Yes, you can use any ASE-certified repair shop.

Do I have to pay any costs upfront?

No, Toco pays the dealer or shop directly. Only thing you are responsible for is your deductible.

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Are there mileage or age limits?

Yes, Toco provides coverage for vehicles of up to 250,000 miles on the odometer.

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Glossary

Deductible

The amount you pay before coverage applies. Toco standard deductible: $100 per visit.

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Extended Warranty 

Often used interchangeably with Vehicle Service Contracts (VSCs), extended warranties offer additional coverage for vehicle repairs—usually beyond the duration of the manufacturer's warranty that comes with new vehicle purchases.

Vehicle Service Contract (VSC) 

The contract that covers the cost of repairs and breakdowns.

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Exclusion

Repairs or parts not covered.

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