Disclosure Paid placement. Click 4 Coverage is a client of OwnersFirm, which publishes this site and is paid when a reader who arrives from it buys coverage. The card on this page is advertising. Nothing on this page was scored or ordered for it.
Coverage Compared
olive vs Toco: what each one prints
olive and Toco side by side on every scored field, with the source under each cell and the rows that differ marked. No winner is named.
Facts read 2026-10-16
Leaving out name and address rows, the two sheets differ on 14 of 26 rows: Money-back period; Waiting period; Deductible options printed; Sample contract online, no contact details asked; Vehicle age limit at purchase; Mileage limit at purchase; Accepts vehicles past 100,000 miles; Transferable to a new owner; Refund of unused share after coverage starts; Sold in CA, NY, WA, MA, FL; States excluded; Obligor named; Backing insurer named; Rubric score.
| Field | olive | Toco |
|---|---|---|
| Role, as the company describes itselfolive: seller. Toco: seller. | sellersource: https://olive.com/terms-conditions/ | sellersource: https://www.tocowarranty.com/faq |
| Legal entityolive: Repair Ventures, LLC. Toco: Verdoro LLC. | Repair Ventures, LLCsource: https://olive.com/terms-conditions/ | Verdoro LLCsource: https://www.tocowarranty.com/faq |
| Headquartersolive: not published. Toco: not published. | not published | not published |
| Money-back periodolive: 30 days. Toco: not published. | 30 dayssource: https://olive.com/wp-content/uploads/2026/06/QBEAPVSC-01-26-Vehicle-Service-Plan-Terms-and-Conditions-SAMPLE-1.pdf | not published |
| Waiting periodolive: No waiting period. Toco: not published. | No waiting periodsource: https://olive.com/faqs/ | not published |
| Lowest deductible printedolive: not published. Toco: not published. | not published | not published |
| Deductible options printedolive: 9 deductible options; amounts not published. Toco: $100 if no deductible is noted on the registration page (vehicle). | 9 deductible options; amounts not publishedsource: https://olive.com/faqs/ | $100 if no deductible is noted on the registration page (vehicle)source: https://www.tocowarranty.com/faq |
| $0 deductible optionolive: No (not found on the pages read). Toco: No (not found on the pages read). | No (not found on the pages read)source: not recorded in the provider file | No (not found on the pages read)source: not recorded in the provider file |
| Sample contract online, no contact details askedolive: Yes. Toco: No (not found on the pages read). | Yessource: https://olive.com/terms-conditions/source: https://olive.com/wp-content/uploads/2026/06/QBEAPVSC-01-26-Vehicle-Service-Plan-Terms-and-Conditions-SAMPLE-1.pdf | No (not found on the pages read)source: not recorded in the provider file |
| Price online without a phone callolive: Yes. Toco: Yes. | Yessource: https://olive.com/faqs/ | Yessource: https://www.tocowarranty.com/ |
| Deductible and waiting period both printedolive: No (not found on the pages read). Toco: No (not found on the pages read). | No (not found on the pages read)source: not recorded in the provider file | No (not found on the pages read)source: not recorded in the provider file |
| Vehicle age limit at purchaseolive: 10 model years. Toco: not published. | 10 model yearssource: https://olive.com/faqs/ | not published |
| Mileage limit at purchaseolive: 140,000 miles. Toco: not published. | 140,000 milessource: https://olive.com/faqs/ | not published |
| Accepts vehicles past 100,000 milesolive: Yes. Toco: not published. | Yessource: https://olive.com/faqs/ | not published |
| Transferable to a new ownerolive: Yes. Toco: not published. | Yessource: https://olive.com/faqs/ | not published |
| Refund of unused share after coverage startsolive: Yes. Toco: not published. | Yessource: https://olive.com/wp-content/uploads/2026/06/QBEAPVSC-01-26-Vehicle-Service-Plan-Terms-and-Conditions-SAMPLE-1.pdf | not published |
| Sold in CA, NY, WA, MA, FLolive: CA yes; MA no. Toco: not published. | CA yes; MA nosource: https://olive.com/terms-conditions/ | not published |
| States excludedolive: MA. Toco: not published. | MAsource: https://olive.com/terms-conditions/ | not published |
| Texas rosterolive: Listed. Toco: Listed. | Listedsource: https://data.texas.gov/resource/7358-krk7.json | Listedsource: https://data.texas.gov/resource/7358-krk7.json |
| Minnesota rosterolive: Listed. Toco: Listed. | Listedsource: https://mn.gov/commerce/licensing/license-lookup/ | Listedsource: https://mn.gov/commerce/licensing/license-lookup/ |
| New York rosterolive: Listed. Toco: Listed. | Listedsource: https://myportal.dfs.ny.gov/web/guest-applications/service-contract-providers | Listedsource: https://myportal.dfs.ny.gov/web/guest-applications/service-contract-providers |
| Nevada rosterolive: Listed. Toco: Listed. | Listedsource: https://doi.nv.gov/Consumers/Service_Contract_Provider_Contact_Map | Listedsource: https://doi.nv.gov/Consumers/Service_Contract_Provider_Contact_Map |
| Legal entity printed on its siteolive: Yes. Toco: Yes. | Yessource: https://olive.com/terms-conditions/ | Yessource: https://www.tocowarranty.com/faq |
| Obligor namedolive: QBE Administration Services, Inc.. Toco: Not named on the pages read. | QBE Administration Services, Inc.source: https://olive.com/wp-content/uploads/2026/06/QBEAPVSC-01-26-Vehicle-Service-Plan-Terms-and-Conditions-SAMPLE-1.pdf | Not named on the pages readsource: not recorded in the provider file |
| Backing insurer namedolive: QBE Insurance Corporation (reimbursement policy; California MBI). Toco: not published. | QBE Insurance Corporation (reimbursement policy; California MBI)source: https://olive.com/wp-content/uploads/2026/06/QBEAPVSC-01-26-Vehicle-Service-Plan-Terms-and-Conditions-SAMPLE-1.pdf | not published |
| Founding year on its own siteolive: not published. Toco: not published. | not published | not published |
| Government actions, last five yearsolive: None found on .gov pages. Toco: None found on .gov pages. | None found on .gov pagessource: not recorded in the provider file | None found on .gov pagessource: not recorded in the provider file |
| Rubric scoreolive: 90 of 100 (A 25, B 30, C 25, D 10). Toco: 37 of 100 (A 10, B 0, C 17, D 10). | 90 of 100 (A 25, B 30, C 25, D 10) | 37 of 100 (A 10, B 0, C 17, D 10) |
Full sheets: olive and Toco. Orange rows are rows where the printed values differ, or where one company prints a value and the other does not. Price, claims handling and service are not compared because no public source measures them evenly. How the score works.