When your factory vehicle warranty expires, the cost of unexpected car repairs can be overwhelming. That’s where extended auto warranty providers like MotoAssure come in. But with dozens of companies on the market, how does MotoAssure compare?
In this article, we dive deep into MotoAssure reviews, looking at real customer experiences, service quality, claims process, coverage options, and overall value. If you’re researching whether MotoAssure is legit or a scam, this guide will give you clarity.
What Is MotoAssure?
MotoAssure, a subsidiary of EWS (Enterprise Warranty Solutions), offers extended vehicle protection plans for new and used cars. The company claims to provide nationwide coverage, 24/7 roadside assistance, and direct payment to repair shops, making the process hassle-free for car owners.
MotoAssure markets itself as a comprehensive and affordable solution to protect against costly repairs. Coverage plans vary, but they typically include engine, transmission, drivetrain, electrical systems, and more.
MotoAssure Reviews: What Are Customers Saying in 2025?
MotoAssure has a mixed reputation online. While some customers praise its responsive service and fast claims approval, others report issues with delays or denied claims. Here’s a breakdown of what real users are saying:
Positive Reviews:
- Quick Claims Process: Many users on forums like Reddit and Trustpilot noted that approved claims were processed quickly, with payments made directly to repair shops.
- Friendly Customer Support: Multiple reviews highlight helpful and knowledgeable service reps who took the time to explain plan details and options.
- Affordable Premiums: Compared to other extended auto warranty providers, MotoAssure tends to offer competitive pricing.
Negative Reviews:
- Limited Coverage Details: Some customers complained about not receiving a full contract up front, which led to confusion about what’s covered.
- Denials for “Wear and Tear”: A few reviewers said their claims were denied based on vague wear-and-tear exclusions.
- Aggressive Sales Calls: Several users mentioned persistent follow-up calls after requesting a quote online.
MotoAssure Coverage Options
MotoAssure offers several customizable vehicle service contracts, often grouped into the following:
- Powertrain Coverage – Includes engine, transmission, and drivetrain.
- Comprehensive Coverage – Adds electrical, air conditioning, and high-tech systems.
- Wrap Coverage – Covers components not included in a manufacturer’s powertrain warranty.
Plans are typically offered for both new and used vehicles, though older vehicles may receive more limited coverage.
Key Features of MotoAssure Plans
- Direct Payment to Repair Shops: You don’t need to pay upfront for repairs—MotoAssure pays the shop directly.
- Roadside Assistance: 24/7 emergency services including towing, flat tire change, and battery jump-start.
- Rental Car Reimbursement: If your vehicle is in the shop, MotoAssure will cover the cost of a rental car.
- Transferable Contracts: Useful if you plan to sell your car with an active protection plan.
- Nationwide Network: Claims are accepted at any licensed repair facility in the U.S.
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Is MotoAssure Worth It? Pros & Cons
✅ Pros:
- Flexible coverage for most makes and models
- Available nationwide
- Competitive monthly pricing
- Transparent claims tracking
- May increase vehicle resale value
❌ Cons:
- Some users report denied claims without clear explanation
- Mixed customer reviews online
- Not available in California and certain other states
- Limited coverage for high-mileage vehicles
MotoAssure vs. Competitors
| Feature | MotoAssure | CarShield | Endurance |
|---|---|---|---|
| Claims Processing Time | 3–5 days | 3–4 days | 2–3 days |
| Customer Rating (avg.) | 3.5/5 | 3.7/5 | 4.1/5 |
| Plan Customization | High | Medium | High |
| Price Range | $$ | $$ | $$$ |
MotoAssure offers strong competition to major players like CarShield and Endurance, especially for budget-conscious drivers who want essential coverage.
Who Should Consider MotoAssure?
MotoAssure may be a good fit for:
- Drivers with vehicles out of factory warranty
- People who drive older but well-maintained cars
- Car owners looking for peace of mind without paying dealer prices
- Anyone who wants roadside assistance bundled with extended coverage
It might not be ideal for drivers who want coverage for luxury or exotic cars, or those looking for a provider with higher customer satisfaction ratings across all platforms.
How to Get a Quote from MotoAssure
Getting a MotoAssure quote is simple:
- Visit their official website.
- Fill out your vehicle and contact information.
- Speak to a customer rep about plan options and pricing.
- Review the contract and ask about exclusions before purchasing.
Pro tip: Always request the full terms and conditions in writing before committing.
Final Verdict: Is MotoAssure Legit?
Yes, MotoAssure is a legitimate extended auto warranty provider, backed by Enterprise Warranty Solutions. While its customer satisfaction record is mixed, the company offers solid coverage options, fair pricing, and nationwide availability.
If you’re looking for an alternative to more expensive dealer warranties and don’t mind reviewing your contract carefully, MotoAssure could be a reasonable choice. Just make sure to read all the fine print and ask specific questions about coverage limitations.
FAQs about MotoAssure
1. Is MotoAssure a scam?
No, MotoAssure is not a scam. It is a real company offering extended vehicle warranties, though user experiences vary.
2. What does MotoAssure cover?
Coverage depends on the plan but may include engine, transmission, electrical systems, air conditioning, and more.
3. Is MotoAssure available in all states?
No, MotoAssure is not available in California and some other regulated states.
4. Can I cancel my MotoAssure plan?
Yes, most plans come with a 30-day cancellation window and prorated refunds after that period.
5. Does MotoAssure work with any mechanic?
Yes, repairs can be made at any certified repair facility in the U.S.
6. How long does it take to process a claim?
Most claims are processed within 3–5 business days, depending on documentation and the repair shop.
7. Does MotoAssure cover routine maintenance?
No, routine maintenance like oil changes and brake pads are not typically covered.
8. Is roadside assistance included in MotoAssure plans?
Yes, 24/7 roadside assistance is included with most plans.
9. Can I transfer my MotoAssure plan to a new owner?
Yes, contracts are usually transferable, which may boost the resale value of your vehicle.
10. What vehicles qualify for MotoAssure?
Most makes and models are eligible, but high-mileage or exotic cars may face limitations.
