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Coverage Compared

The 7 providers that name their obligor publicly, by score

Companies whose public pages or sample contract name the party that owes the claim payment, ordered by their rubric score out of 100.

Facts read October 17, 2026

Coverage Compared ranked 7 vsc providers in yes, sorted by score. Every number below comes straight from the source data, not an estimate.

1. 1. olive

   Score: 90

   Seller; full refund within 30 days; no waiting period; sample contract online; price shown online.

2. 2. Endurance

   Score: 87

   Direct provider; 30-day full refund; 30-day and 1,000-mile waiting period; sample contracts online; obligor and insurer named.

3. 3. Everything Breaks

   Score: 85

   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.

4. 4. Omega Auto Care

   Score: 72

   Direct (EGV Companies, Inc. is administrator and obligor); 30-day full refund then pro rata less $75; sample contracts online; waiting period unpublished.

5. 5. Select Auto Protect

   Score: 63

   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.

6. 6. Route 66 Extended Warranty

   Score: 58

   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.

7. 7. Alpha Warranty Services

   Score: 53

   Dealer- and agent-sold obligor (Alpha Warranty Services, Inc. or United Service Protection, Inc. by state); day one coverage; $100 deductible on Powertrain Plus; ABC program eligible for every model year and mileage; no public sample contract.