---
title: "EasyCare Warranty: What the Contract Says, Read Line by Line"
description: "We read EasyCare's 2022 contract form: who owes the repair, the four coverage levels, 30-day refunds, the $50 transfer rule and who has owned APCO since 1984."
url: "https://baronauto1.com/financing/easycare-warranty/"
type: "article"
published: "2026-10-16"
modified: "2026-10-16"
site: "Baron Auto"
disclaimer: "This site is under new ownership and is not affiliated with Baron Auto Emporium dealership."
---

# EasyCare Warranty: What the Contract Says, Read Line by Line

> We read EasyCare's 2022 contract form: who owes the repair, the four coverage levels, 30-day refunds, the $50 transfer rule and who has owned APCO since 1984.

*Car Loans & Credit · 21 min read · 4,817 words*

## The short version

- EasyCare is a brand. On its 2022 contract form, Automobile Protection Corporation (APCO) owes the repair in most states, insured by American Bankers Insurance Company of Florida, an Assurant subsidiary. Arizona, Oklahoma and New York name a different obligor.
- There are four levels: PowerCare (groups 1 to 5), PrimaryCare (1 to 10), StatedCare (1 to 14) and TotalCare (every factory part not excluded). The form prints no waiting period.
- Cancel within 30 days with no claim and the refund is full. After that it is pro rata on the greater of time or miles used, less a $50 fee; 15 jurisdictions change the fee, and Florida allows 60 days for a full refund.
- Bought at a dealership? You cancel through its finance office, and the dealer refunds you or your lender.
- A transfer costs $50 ($40 in Florida, $25 in Nevada), within 30 days, to a private buyer only. The contract cannot pass through a dealer, so a used car from a dealer does not carry the last owner’s EasyCare.
- Ford owned APCO from 1999 to 2007; Ontario Teachers’ Pension Plan has been majority owner since 2016. We found no regulator action naming APCO or EasyCare; the one appeals opinion we read is a 2022 loan dispute with a dealer.

An EasyCare “warranty” is a vehicle service contract, usually sold by a car dealer, and EasyCare’s own site says its contracts “are technically neither warranties nor insurance.” What you are owed is in the printed contract. On 16 October 2026 we read EasyCare’s coverage, support and About pages, its brochures and forms, an 11-page specimen of its 2022 contract posted by a Rhode Island dealer group that sells EasyCare online, a 2012 form EasyCare still hosts, Ford’s and Assurant’s SEC filings, two Ontario Teachers’ releases and a 2022 federal appeals opinion. EasyCare publishes no prices; dealers set them. We requested no quote and have no commercial relationship with EasyCare, APCO or any dealer.

**Figure: What the EasyCare contract in your hand decides**

A two-column table pairing six things an EasyCare contract holder can see on their paperwork with what EasyCare's 2022 contract form says they mean: APCO as obligor with American Bankers Insurance Company of Florida as insurer; a different obligor in Arizona, Oklahoma and New York; a Wrap term counted from the in-service date; a full refund within 30 days (60 in Florida) and a $50 fee after; no transfer to a dealer; and coverage ending when claims reach the Vehicle Purchase Price.

Read from EasyCare form B1035099 (02.22), an 11-page specimen, on 16 October 2026. State sections and the page 1 of your own contract can change any line.

## Who owes you the repair on an EasyCare contract

A service contract has a seller (usually the dealership), an obligor that owes the repair, and an administrator that approves claims; our guide to [who owes you the repair](https://baronauto1.com/financing/extended-warranty-companies/#who-owes-you) explains why the obligor matters most. On the specimen of EasyCare form B1035099 (edition 02.22), the foot of page 1 reads “ISSUING PROVIDER / OBLIGOR / ADMINISTRATOR,” then Automobile Protection Corporation, and “WE, US, OUR” means “the Issuing Provider/Obligor of this CONTRACT as set forth on page 1.” Three state sections change the name:

**Who EasyCare form B1035099 (02.22) names as the company that owes the repair, read 16 October 2026**

| Where the contract was bought | Company named | Role as printed |
| --- | --- | --- |
| Most states | Automobile Protection Corporation (APCO) | Issuing provider, obligor and administrator |
| Arizona | Warranty Support Services LLC | Issuing provider, obligor and “service company” |
| Oklahoma | Warranty Support Services LLC (provider license #44198031) | Issuing provider and obligor |
| New York | APCO Services LLC | Issuing provider and obligor |
| Florida | APCO, Florida License #60080 | Issuing provider, obligor and administrator (“service agreement company”) |
| Texas | APCO, provider license #123, administrator license #107 | Issuing provider, obligor and administrator |

**An insurer stands behind the obligor.** Section M says APCO’s obligations “are insured under a service contract reimbursement insurance policy issued by American Bankers Insurance Company of Florida.” If a covered claim is unpaid 60 days after proof of loss, or the obligor fails, you may claim directly against the insurer (30 days in Alaska). Assurant, Inc. lists that insurer among its subsidiaries in the [exhibit to its 2025 annual report](https://www.sec.gov/Archives/edgar/data/1267238/000126723826000010/aiz12312025-ex214q25.htm). It is the same insurer this site found behind CARCHEX’s term contracts on 9 October 2026, in our [CARCHEX review](https://baronauto1.com/financing/carchex-review/).

**Check your own page 1.** The brochures say each contract is “Administered by” APCO, and the website footer names APCO as issuer in Texas and Florida, then adds: “The Issuing Provider is subject to change.” Look up the name on your contract on your state’s [service contract register](https://baronauto1.com/financing/extended-warranty-companies/#check-the-register). Older contracts can differ: a 2012 EasyCare form still on its website (A1032065, dated 10/11) names Warranty Support Services LLC as issuer, APCO as administrator and Universal Underwriters Insurance Company as insurer. EasyCare also says it has “acquired several brands,” with separate support for EasyCare, National Auto Care, CAP and ForeSight, so “You’ll find your administrator at the bottom of your contract.”

**Your dealer may share in the business.** EasyCare’s dealer pages describe “dealer participation” built on a “reinsurance structure,” and one structure offered is a “Dealer-Owned Obligor Company (DOOC).” We read no contract written that way, which is one more reason to read the obligor line rather than assume it.

## Who owns EasyCare

EasyCare’s About page dates the brand to 1984 and founder Larry Dorfman, calls EasyCare “an APCO Holdings brand,” and says Ontario Teachers’ Pension Plan “is the majority shareholder of our parent company APCO Holdings, LLC.” The public record fills in the years between:

**Who has owned Automobile Protection Corporation (APCO), from public records read 16 October 2026**

| Year | What happened | Where it is recorded |
| --- | --- | --- |
| 1984 | APCO is incorporated in Georgia; by 1999 it markets and administers service contracts sold by car and RV dealers. | Ford’s 1999 tender offer |
| 1999 | Ford, through AM1 Acquisition Company, offers $13.00 a share for APCO (offer dated 16 June 1999). APCO files Form 15-12G on 20 July 1999 and leaves the SEC record. | [Schedule 14D-1](https://www.sec.gov/Archives/edgar/data/833441/0000950124-99-003806.txt); EDGAR |
| 2007 | APCO’s management and Trident IV, L.P., managed by Stone Point Capital LLC, buy APCO from Ford, which reports a $51 million pre-tax gain. | [Ford’s 10-K for 2008](https://www.sec.gov/Archives/edgar/data/37996/000114036109005071/form10k.htm) |
| 2015 | Agreement for Ontario Teachers’ to buy a majority stake; Stone Point funds and management stay on. | Release of 17 November 2015 |
| 2016 | Ontario Teachers’ later says it has been majority shareholder “since 2016.” | Release of 3 January 2023 |
| 2023 | APCO Holdings acquires National Auto Care, mainly with new equity from Ontario Teachers’; Tony Wanderon becomes APCO’s chief executive. | Release of 3 January 2023; About page |

The records disagree in small ways that matter if you ever name the company in a complaint: the 2015 release says “APCO Holdings, Inc.,” later documents say LLC; that release expected a December closing, while Ontario Teachers’ dates its control from 2016; and Ford’s 10-K calls the company “Automotive Protection Corporation.” There is no current annual report: APCO stopped filing in 1999, and neither APCO Holdings nor Ontario Teachers’ files annual reports with the SEC. APCO’s 2023 claim that its brands “have protected over 11 million customers, and have paid over $3.5 billion in claims” is its own, and we could not check it.

## The four EasyCare coverage levels, as printed

EasyCare’s coverage page says its contract “offers four levels of coverage to suit your budget and driving habits.” The contract builds them as layers: each listed level adds numbered component groups to the one below, and TotalCare switches from a list to everything not excluded.

**EasyCare coverage levels: the contract’s groups and the rows ticked in EasyCare’s web table, read 16 October 2026**

| Level | What form B1035099 covers | Web table rows ticked (of 14) | EV rows ticked (of 5) |
| --- | --- | --- | --- |
| PowerCare | Groups 1 to 5: engine, transmission and transfer case, drive axle, seals and gaskets, taxes and fluids | 5 | 2 |
| PrimaryCare | Groups 1 to 10: adds air conditioning, heating, fuel, cooling and braking systems | 10 | 4 |
| StatedCare | Groups 1 to 14: adds suspension, steering, electrical system and the high-tech and convenience group | 14 | 5 |
| TotalCare | “All parts and components of YOUR VEHICLE, as installed by the VEHICLE manufacturer,” less the exclusions in section C | 14, plus “All vehicle components except those specifically excluded” | 5 |

Electric and hybrid parts sit inside the same groups: the traction motor and high-voltage battery under group 1, the reducer box under group 2. A battery failure is measured against the carmaker’s tolerance or, if there is none, as “a measured loss of more than 30% of its charge retention capacity”; gradual loss of capacity with use is excluded. If the “Manufacturer Certified Wrap” box is checked, “YOU may only select TotalCare® or StatedCare™.” Commercial use, medium-duty trucks, lift kits, snow plows and Canadian cars without a factory warranty are covered only if their boxes are checked (coverage “shall only be provided if the applicable boxes are checked”); a lift kit must be shop-fitted, up to 6 inches with tires no more than 4 inches taller than stock, and the kit itself is never covered.

Every level carries the same added benefits, with no deductible:

- **Substitute transportation:** up to $40 a day for up to 6 days, $240 per occurrence, for a rental car, rideshare or taxi; an optional upgrade, which the TechCare brochure says needs a surcharge, raises it to $75 a day, $450 in all.
- **Trip interruption:** up to $100 a day for meals and lodging for the first 3 days, $300 in all, when you must stay overnight more than 50 miles from home.
- **Roadside assistance:** towing, winch-out, jump starts, tire changes, fluid delivery and lockout help, up to $100 per occurrence, or $500 for towing a medium-duty or lifted truck.

Rental and trip benefits also pay when the failure is “covered under YOUR VEHICLE’S manufacturer warranty,” which is easy to forget while factory cover still runs. TechCare, a separate EasyCare contract for GPS, entertainment, convenience and active safety systems such as cameras and blind-spot sensors, is not one of the four levels.

## What EasyCare does not cover

EasyCare’s web page lists 9 exclusions, from upholstery to “Damage caused by any external cause.” The contract’s section C has 18 numbered exclusions, the first with 26 lettered conditions, a to z. The ones most likely to matter on a used car:

- **No authorization, no payment.** Repairs done “without prior authorization from the ADMINISTRATOR” are excluded, except after-hours emergencies.
- **Maintenance you cannot prove.** Failures linked to “lack of maintenance as recommended by YOUR VEHICLE’S manufacturer,” and any costs where receipts are not produced on request.
- **Anything another promise covers.** Parts under a warranty, another contract or insurance are excluded “regardless of whether each: can or cannot be honored or collected,” and so are defects under a public recall.
- **Problems that began earlier.** Failures that occurred “prior to the CONTRACT PURCHASE DATE.”
- **Heavy towing and changed cars.** Towing over 2,000 lbs. without a factory towing kit; failures affected by oversized or undersized tires or by “exhaust, intake, ignition, fuel, suspension, or steering system modifications.”
- **Odometer and title history.** An odometer wrong or broken “for more than 1 month or 1,000 miles,” and any “previous flood or salvage vehicle” or washed title, “regardless of when such determination is made” (see our [salvage title guide](https://baronauto1.com/vehicle-history/what-is-a-salvage-title/)).
- **Contamination.** Damage from “varnish, sludge, fuel or lubricant contamination, rust, corrosion,” moisture or condensation, regardless of cause.
- **Wear and maintenance parts.** Spark plugs, filters, brake pads, hoses, belts and wiper blades are excluded “Unless required as part of a covered repair and YOU have TotalCare® coverage.” The exhaust, catalytic converter, brake rotors, shocks, glass, ordinary batteries and “Tire or wheel damage” are excluded at every level.
- **Diagnosis that runs long.** Teardown is unpaid if the failure is not covered, and so is diagnostic time beyond “the current year’s national flat rate hourly guide.”

On TotalCare, when a covered part fails and damages another, “coverage will be extended to the next singular part or component.” State sections move the line too: Illinois says the contract “does not provide coverage for wear and tear,” while Maryland adds “normal wear and tear” to what counts as a breakdown and includes teardown and diagnosis in a covered repair.

## When coverage starts, how it is measured and when it runs out

The 11 pages of form B1035099 contain no waiting period; a text search for the word finds nothing, though the pre-existing-condition exclusion applies from day one. How the term is counted depends on one of three boxes on page 1:

- **Max Miles:** months start on the contract purchase date, miles “at zero miles on the odometer,” so miles already on the car count against the term.
- **Add-On Miles:** both start on the purchase date; the expiration mileage is the odometer reading at sale plus the term’s miles.
- **Manufacturer Certified Wrap:** both start “on the IN-SERVICE DATE and at zero miles,” the date the car was first sold or leased, “not necessarily the date YOU purchased YOUR VEHICLE.” On a [certified pre-owned car](https://baronauto1.com/buying-guides/certified-pre-owned/), the years before you owned it are already used.

Coverage ends at the earlier of the expiration date, the expiration mileage or the overall limit. The contract is “non-renewable”; you can ask in writing for a new one at least 15 days and 1,000 miles before it ends, under the administrator’s “then current underwriting guidelines.”

**The limit is the price of the car, not of the contract.** No single breakdown is paid beyond the car’s “Clean Retail Value” in the J.D. Power used-car guide, and “the total of all benefits payable shall never exceed the Vehicle Purchase Price” on page 1. Once claims reach that total, the contract price “shall be deemed fully earned and no future coverage will be available,” so nothing is left to refund. Check that the Vehicle Purchase Price on your page 1 is right.

Each repair is paid at “the reasonable price” the administrator sets, never above the carmaker’s suggested retail price, with parts that may be “new, remanufactured, rebuilt, non-original manufacturer’s parts or components, exchanged, or serviceable used parts.” Our page on [what mileage caps buy you](https://baronauto1.com/financing/is-an-extended-warranty-worth-it/#cap-arithmetic) shows how much of a car’s life a term covers.

## How a claim works, and where you can take the car

“YOU may take YOUR VEHICLE to any licensed repair facility. However, WE recommend that YOU return the VEHICLE to the SELLER, if applicable.” The contract adds that “Under certain conditions” you may be required to return to the seller, without saying which; if a dealer insists, ask which clause it relies on.

You authorize the shop to diagnose the car “in a timely manner”; the shop calls the administrator with your contract number and mileage; and “Before any repairs are performed pursuant to this CONTRACT, the ADMINISTRATOR must authorize such repairs by issuing an authorization code.” The exception is a breakdown outside business hours: any licensed shop may do emergency repairs and must call “on the next business day.” To be reimbursed, you send “A legible, itemized repair order signed by YOU” with towing, rental, meal or lodging receipts.

Your side is maintenance: service as the carmaker recommends, with dated receipts you can show before repairs begin. There is some slack: “Service within 1,000 miles and/or 30 days of the VEHICLE manufacturer’s recommended service interval shall be considered compliant.” When a warning light comes on, you are “required to safely pull YOUR VEHICLE off the road and shut off the engine immediately.” Damage from driving on is not covered.

**Figure: Annotated photograph**

Three numbered callouts over the photograph mark the odometer, an amber warning light and the trip readout, each with one fact from EasyCare’s 2022 vehicle service contract.

EasyCare’s 2022 vehicle service contract, read on 16 October 2026: Wrap contracts start counting at the car's in-service date, not the day you sign (callout 1); No repair is paid until the administrator issues an authorization code (callout 2); Service within 1,000 miles or 30 days of the factory interval counts as on time (callout 3). The photograph is illustrative.

At the counter you pay the deductible plus “any costs that exceed the amount that is covered.” Our page on [how a service-contract claim works](https://baronauto1.com/financing/is-an-extended-warranty-worth-it/#how-a-claim-works) covers the steps that are the same everywhere.

## Deductibles: per visit, and set when you buy

The deductible is “either a preselected dollar amount or a percentage of the covered claim amount, per visit,” printed on page 1. The form prints no default; it is chosen when the contract is written, like the price. Our page on [why the price depends on where you buy](https://baronauto1.com/financing/extended-car-warranty-cost/#markup) explains how dealer pricing works.

Under the “ONE-TIME DEDUCTIBLE GUARANTEE,” once a part has been repaired, the deductible on later repairs to that part “will be waived during the Contract Term.” A contract can also carry a “Diminishing” deductible that is lower when the selling dealer does the work. The contract’s own example: with “$250 Diminishing $100” on page 1, you pay $100 when the seller or its “SELLER GROUP” (locations owned by the same company) does the repair, and $250 anywhere else. Decide before you sign whether you will go back.

The 2012 form offered $0, $50, $100, $250 and a $500 “Catastrophic” deductible, with “If nothing is marked, then $100 per visit,” and rental at $30 a day; an old contract keeps its own terms.

## Cancelling an EasyCare contract and getting money back

The contract “may be cancelled at any time and for any reason by YOU or US.” How much comes back depends on timing:

- **Within 30 days, no claim:** “this CONTRACT is void and YOU will receive a full refund of the Total Contract Purchase Price, provided no claim has been authorized or paid.”
- **After 30 days, or after a claim:** “a pro rata refund based on the greater of days in force or the miles driven related to the Contract Term less a $50 cancellation fee.”
- **If APCO cancels:** “YOU will receive a full refund of the Total Contract Purchase Price.”

“The greater of” matters if you drive a lot. In our arithmetic, take an invented 48-month, 48,000-mile contract cancelled at month 12 after 24,000 miles: time used is 25%, miles 50%, so the refund is the remaining 50% of the price, less the $50 fee.

**How to cancel depends on who sold it.** EasyCare’s support page gives two routes. If you bought directly from the EasyCare Customer Care Center, you call it. For a contract bought at a dealership: “Please contact the finance department of the dealership you purchased your contract through to complete the Cancellation Form,” and give the dealer, “within 30 days of the Cancellation Date,” the signed form, proof of mileage (an odometer statement, bill of sale or notarized affidavit) and a lien release or payoff letter if there is a loan. “The dealer will be responsible for issuing the refund to either you or your lienholder.” If the contract was financed with the car and the loan is still open, the refund goes to the lender unless you include proof the lien is released.

**The date your request arrives sets the refund.** The contract calculates any refund “using the date the SELLER or the ADMINISTRATOR receives a cancellation request.” If you sold the car, documentation sent within 60 days cancels the contract from the date you stopped owning it. A lender can cancel for a default, and after a repossession or total loss it must give notice within 90 days; see our pages on [repossession](https://baronauto1.com/financing/car-repossession/) and [GAP coverage](https://baronauto1.com/financing/gap-insurance/), which EasyCare’s cancellation form lists beside the service contract. By signing that form you release the benefits “as of 12:01 AM” on the cancellation date, and “some contract(s) may not be reinstated or repurchased.”

Section P of the contract then changes these rules in 28 jurisdictions. The fee changes in 15 of them:

**The $50 cancellation fee on EasyCare form B1035099, as each state section replaces it, read 16 October 2026**

| Fee after the full-refund window | Where the contract prints it |
| --- | --- |
| $50 | Every state without a different rule below |
| $25 | Alabama, Nevada |
| 7.5% of the unearned price, or $50 if less | Alaska |
| 10% of the gross amount paid, or $50 if less | Arizona, Mississippi |
| 10% of the Total Contract Purchase Price, or $50 if less | District of Columbia, Illinois, Iowa, Maine, New Mexico, Wisconsin |
| 10% of the unearned pro rata price, or $50 if less | Florida, Georgia, Oklahoma |
| 10% of the refund amount, or $50 if less | North Carolina |

Other changes are as large. Florida’s section gives a full refund for 60 days, not 30. Georgia, Missouri and Texas delete “provided no claim has been authorized or paid,” so a claim in the first 30 days does not cost you the full refund there. Mississippi measures the pro rata refund by days only, not miles. Connecticut lets you cancel “at any time,” including if the car is sold, stolen or destroyed. And 20 jurisdictions add a 10% monthly penalty when a refund is paid late, usually after 45 days. Your state’s own statute may give more; our page on [cancellation rights by state](https://baronauto1.com/financing/extended-warranty-companies/#cancellation) sets out three of them.

## Transferring EasyCare, and buying a used car that has it

EasyCare’s brochure says “EasyCare coverage is transferable to another private owner if you sell your vehicle.” The contract’s section H sets the conditions. You must contact the administrator “within 30 days of the change of VEHICLE ownership” and send a written request, the “$50 transfer fee” ($40 in Florida, $25 in Nevada), proof that the maintenance was done, proof of the sale and mileage, and proof that any factory warranty was transferred too. The car “is subject to inspection by the ADMINISTRATOR upon transfer,” and any benefits already paid stay used.

EasyCare’s [Transfer Application Form](https://info.apcoholdings.com/hubfs/EasyCare/EasyCare%20Website/Transfer%20Form%20-%20Easycare%2009272023.pdf) asks for more than the brochure suggests: a notarized odometer statement from the sale, and the buyer’s signature confirming they have every maintenance receipt “from inception of the agreement,” because missing receipts “could result in the denial of any claims.” It also says: “Approval of the transfer is at the discretion of the Administrator and may be declined for any reason.” The contract itself prints no such sentence, so the brochure, the contract and the form do not say quite the same thing.

**A dealer cannot pass an EasyCare contract to you.** The contract says “YOU are prohibited from transferring this CONTRACT to a vehicle dealer,” and EasyCare’s transfer form says the title “may not pass through a Dealer or other Retail Seller.” The 2012 form went further and barred transfer “to the customer of a vehicle dealer.” If a dealer told you a used car came with EasyCare, the last owner’s contract could not pass to you through that dealer under these terms; EasyCare lists “Trade In” as an ordinary reason to cancel. What you may have is a new contract the dealer sold you. Check that page 1 names you as the customer.

Buying privately is different: ask for the seller’s contract before you pay, start the transfer together and collect every receipt. EasyCare says the holder can download the contract from its ID card portal with the contract number or VIN and last name. A [pre-purchase inspection](https://baronauto1.com/buying-guides/used-car-pre-purchase-inspection/) also helps, because the administrator may inspect the car on transfer.

## Regulators, courts and the dealer’s side of the sale

Searches on 16 October 2026, including one limited to federal and state regulator sites, found no enforcement action, consent order or attorney-general release naming APCO, APCO Holdings, Warranty Support Services or EasyCare. That is a search result, not a clearance. We pulled no CFPB counts for this page, and the BBB blocked our request, so EasyCare’s A+ rating is carried only as its claim.

The one court record we found is about dealers. In an unpublished opinion filed 16 August 2022 (No. 21-14193), the Eleventh Circuit described a 2017 agreement in which “APCO lent NBA $1,000,000, and in exchange NBA agreed to sell a certain amount of APCO’s services, known collectively as EasyCare products, each month” for 36 months. APCO accused the dealership of no longer selling them and demanded $815,850; the district court held the dealer owed $955,799.58 including interest at 12%, and the appeals court affirmed. It is a commercial dispute, not a consumer case, but with EasyCare’s own “dealer participation” pages it shows the person offering you EasyCare may have a stake in the sale. EasyCare’s site says the purchase “is optional and is not required to qualify for financing,” and the Texas section says the contract “may not be offered by a dealer who requires a loan for the purchase of a vehicle to be financed exclusively with such dealer.”

Disputes go to “BINDING ARBITRATION,” with a class-action waiver; you keep the right to use small claims court, and if you start a JAMS arbitration your fees are capped at $250. Georgia, Mississippi and Oregon delete the arbitration clause; 8 states make it depend on both sides agreeing when the dispute arises. Our page on [dealer fees](https://baronauto1.com/financing/what-are-dealer-fees/) covers the other add-ons sold in the same office.

## EasyCare’s printed terms beside three other contracts

Printed terms only, each from a specimen this site has read; no prices, no ranking. The Zurich form is the dealer-channel one from our [Zurich page](https://baronauto1.com/financing/zurich-extended-warranty/#two-forms); see also our [Endurance page](https://baronauto1.com/financing/endurance-extended-warranty/).

**Printed terms on four service contract specimens; EasyCare read 16 October 2026, Zurich and Endurance 7 September 2026, CARCHEX 9 October 2026**

| Term | EasyCare B1035099 (02.22) | Zurich VEH750BX (02/22) | CARCHEX term, outside Florida | Endurance VSC-01DE-EDS_ORI_04/25 |
| --- | --- | --- | --- | --- |
| Who owes the repair | Automobile Protection Corporation (APCO) | Universal Underwriters Service Corporation | American Auto Shield, Ltd | Endurance Dealer Services, LLC |
| Insurer behind it | American Bankers Insurance Company of Florida | Universal Underwriters Insurance Company | American Bankers Insurance Company of Florida | Old Republic Insurance Company |
| Waiting period | None printed | 0 days | First option blank, or 90 days and 200 miles | Set on the application page |
| Full refund window | 30 days, no claim | 30 days | 30 days, no claim | 30 days |
| Later cancellation fee | $50 | $75 | $75 | $50 |
| Transfer fee | $50 | $50 | $50 | $50 |
| Rental | $40 a day, 6 days | $40 a day, 10 days | $60 a day; days vary by plan | $30 a day |
| Trip interruption | $100 a day, 3 days, beyond 50 miles | $250 a day, 3 days, beyond 100 miles | $125 a day, 4 days, beyond 100 miles | $150 a day, 3 days, beyond 100 miles |

All four let you go to the insurer after 60 days without payment. Before you sign anything, these are the checks the EasyCare form points to:

- **Read the obligor line at the foot of page 1** and check it on your state’s register.
- **Find the term box:** Max Miles, Add-On Miles or Manufacturer Certified Wrap decides when your months and miles started.
- **Check the Vehicle Purchase Price** on page 1; it caps everything the contract will ever pay.
- **Get the deductible in writing,** including any lower “Diminishing” amount tied to the selling dealer.
- **Keep every service receipt** with date and mileage; claims and transfers both depend on them.
- **Cancel in writing, early,** through the seller, with proof of mileage; the refund dates from receipt.
- **Selling privately?** Start the transfer within 30 days and hand over the receipts.

## Common questions

### Who is the administrator for EasyCare warranties?

On EasyCare’s 2022 contract form, Automobile Protection Corporation (APCO) is the administrator, and in most states also the issuing provider and obligor. Arizona and Oklahoma contracts name Warranty Support Services LLC as obligor, and New York contracts name APCO Services LLC. Older contracts may name another administrator at the bottom of the contract.

### Is EasyCare legit?

EasyCare is a brand of APCO Holdings; APCO, founded in 1984, markets and administers dealer-sold service contracts and was owned by Ford from 1999 to 2007. Its obligations are insured by American Bankers Insurance Company of Florida, an Assurant subsidiary. We found no regulator or attorney-general action naming it. Whether a contract is worth its price is a separate question; see [when a service contract pays off](https://baronauto1.com/financing/is-an-extended-warranty-worth-it/#worth-it).

### How do I cancel an EasyCare warranty?

If a dealer sold it, ask that dealer’s finance department for EasyCare’s Cancellation Form and return it with proof of mileage and any lien release within 30 days of the cancellation date. Within 30 days of purchase, with no claim, the refund is full; after that it is pro rata less a $50 fee, with state changes.

### Is an EasyCare warranty transferable?

To a private buyer of the same car, yes, for a $50 fee ($40 in Florida, $25 in Nevada), if you apply within 30 days of the sale with maintenance records. The transfer form says approval may be declined, and a contract cannot be transferred to a dealer.

### Does EasyCare have a waiting period?

The 2022 specimen prints none. Breakdowns that began before the contract purchase date are still excluded, and on a Wrap or Max Miles term, time or miles already on the car count against coverage.

### What does EasyCare TotalCare cover?

TotalCare covers every part the carmaker installed except the exclusions in section C, which include wear and maintenance items not needed for a covered repair, the exhaust, brake rotors, shocks, glass and tire damage. It also pays for the next part damaged by a covered failure.

## Sources and further reading

- [FTC: auto service contracts and warranties](https://consumer.ftc.gov/articles/auto-warranties-and-auto-service-contracts)
- [FTC: a businessperson’s guide to federal warranty law](https://www.ftc.gov/business-guidance/resources/businesspersons-guide-federal-warranty-law)
- [15 U.S.C. § 2301 (Magnuson-Moss definitions)](https://www.law.cornell.edu/uscode/text/15/2301)
- [Texas Department of Licensing and Regulation — service contract providers, Occupations Code Chapter 1304](https://www.tdlr.texas.gov/scp/scpfaq.htm)
- [Florida CFO — motor vehicle service agreements, Chapter 634](https://www.myfloridacfo.com/division/consumers/understanding-insurance/motor-vehicle-service-agreement-overview)
- [New York DFS — service contract provider registration, Insurance Law Article 79](https://www.dfs.ny.gov/apps_and_licensing/service_contract_providers)

Recall, complaint and safety-rating figures on this page were retrieved from the federal databases above on August 19, 2026. Federal data changes — re-check any VIN before you rely on it.

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