The Service Contract Report
Staged edition. Company facts read through October 16, 2026. Published by OwnersFirm.

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. Where a card for it appears on this page, that card is advertising. Its row in any table is scored by the same published rules as every other company. No other company on this page paid to appear.

A cut of the provider table

Vehicle service contract companies that post a sample contract you can read first

Only companies whose sample contract opens without a name, phone number or email, ordered by rubric score.

The Service Contract Report ranked 7 vsc providers in yes, sorted by published-terms score, of 100. Every number below comes straight from the source data, not an estimate.

  1. 1. Ally Premier Protection

    Published-terms score, of 100: 90

    Dealer-sold plans with provider Universal Warranty Corporation named; 60-day full refund then pro-rated; coverage starts on purchase date; $0 deductible option; sample contract online.

  2. 2. Everything Breaks

    Published-terms score, of 100: 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.

  3. 3. olive

    Published-terms score, of 100: 80

    Seller; full refund within 30 days; no waiting period; sample contract online; price shown after name, ZIP and email.

  4. 4. Endurance

    Published-terms score, of 100: 77

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

  5. 5. CarShield

    Published-terms score, of 100: 72

    Direct provider; full refund within 30 days; 30-day, 1,000-mile waiting period; sample contracts online; FTC settlement July 2024.

  6. 6. Omega Auto Care

    Published-terms score, of 100: 72

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Inc. is administrator and obligor); 30-day full refund then pro rata less $75; sample contracts online; waiting period unpublished.

  7. 7. Chaiz

    Published-terms score, of 100: 65

    Broker marketplace; 30-day money-back; $100 deductible and 30-day, 1,000-mile waiting period printed; prices shown online without contact details.