If you’re comparing top-tier auto protection, the Endurance Supreme and Fidelity Platinum plans both offer exclusionary coverage, but that’s where the similarities end. This article goes over the differences in coverage, cost transparency, claims handling, and perks of each plan. While Fidelity limits buyers to dealer-only purchases and offers no digital tools, Endurance stands out with flexible plans for older and high-mileage vehicles, direct online quotes, and unmatched customer satisfaction.

See why drivers are choosing Endurance Warranty for reliable, customizable coverage that goes the extra mile.

Overview: What Is Exclusionary Coverage?

Before exploring each company’s offering, it’s helpful to understand how exclusionary plans differ from other types of extended car warranties (also called vehicle service contracts or auto protection plans). Simply put, after your factory warranty ends, an exclusionary plan is designed to be comparable and is each warranty company’s highest level of coverage.

Except for a few excluded components (detailed below), an exclusionary plan covers almost everything on a vehicle (with listed exclusions) when a defect in workmanship or materials causes component failure. We’re talking about a few dozen exclusions across a modern automobile’s thousands of parts and systems, giving drivers real peace of mind when car trouble arises.

Neither the Endurance Supreme nor the Fidelity Platinum warranty covers key wear-and-tear components like brake pads, rotors, drums, and linings. In addition, both exclude vehicle appearance items, including glass, lenses, sealed beams, light bulbs, trim, moldings, weather stripping, upholstery, and paint.

At the same time, Endurance and Fidelity Warranty Services don’t cover shock absorbers, clutch components, tires, wheels, and routine maintenance services such as wheel balancing and alignment (unless required with a covered repair). Safety features like airbags are also excluded under both policies. Always refer to the respective plan’s contract for a complete list of exclusions, which may differ from what’s above.

What’s covered by an exclusionary plan? We’ll skip the long list and just highlight the major systems that have overlapping coverage with the Endurance Supreme and Fidelity Platinum plans. Remember that some exclusions within these areas apply, such as brake pads and light bulbs. These are the components typically covered under this type of comprehensive coverage:

• Engine
• Transmission
• Drive axle assembly
• Transfer case
• Electrical components
• Air conditioning and heating
• Front and rear suspension
• Steering components
• Fuel system
• Cooling system
• Braking system

The Endurance Supreme and Fidelity Platinum plans appear similar, and in many ways, they are. However, several critical differences give Endurance the edge. From a coverage perspective, Endurance has protection options for high-mileage vehicles, commercial-use cars, and automobiles with modifications like a raised suspension or aftermarket wheels and tires. These extras aren’t available with Fidelity.

Evaluating Cost and Value

The Endurance Supreme and Fidelity Platinum plans represent the highest tier of warranty coverage from their respective providers. ConsumerAffairs estimates that the average exclusionary policy costs about $1,000 per year, but many factors determine exact rates:

• Vehicle make and model
• Vehicle age
• Current mileage
• Coverage term length
• Deductible amount
• Your location

Premium and high-performance models typically cost more due to more expensive components and high labor rates.

Cost Determination

Exact pricing for any extended warranty requires a personalized quote. Here, Endurance Warranty and Fidelity contrast significantly. Endurance is a direct-to-consumer provider, offering FREE online quotes and instant pricing through its online store. You can also call Endurance’s toll-free number at (800) 253-8203 and learn coverage costs.

Conversely, Fidelity coverage is only available through car dealers; there’s no direct purchase option. This approach presents several challenges. For one, car owners buy Fidelity Platinum through an intermediary (the dealership), which means you’re paying a markup. In addition, Fidelity coverage has no set price; dealers can charge what they like, hoping to maximize profits at the consumers’ expense. It’s a method that reduces transparency and wastes time.

Try this: Call Endurance and ask for a quote. In minutes, you’ll know your coverage plan and cost, and get offered a 30-day money-back guarantee. The same exercise with Fidelity will also involve a phone, but you’ll be referred to a dealer in your area. Next, you’ll need to call that business, which may not be willing to discuss extended auto warranty prices over the phone. Prefer to handle things online? Endurance has you covered, while Fidelity has no such option.

Payment Options

Paying for an exclusionary plan differs by company:

• Endurance coverage can be paid upfront as a single payment or through convenient monthly premiums. There are multiple payment options, including credit cards.
• Fidelity plans are often rolled into vehicle financing, which requires spreading the cost over the loan term and paying interest. Alternatively, a Fidelity plan can be purchased upfront, requiring a lump-sum payment to the dealer or using a credit card.

Analyzing Claims Processing Experiences

A provider can make all sorts of claims, but delivering timely and responsive service during a breakdown is crucial. Each company has an established claims process, but some notable differences exist.

Endurance Claims Process

The Endurance claims process is straightforward:

1. You have two options for starting a claim: Call customer service to report the trouble and get assistance locating a repair shop (if needed), or take the vehicle directly to any licensed repair facility or dealership you choose.
2. Provide the repair shop with your contract information. The repair shop will contact Endurance to file the initial claim. The claims process can be tracked through the Endurance smartphone app, which also provides access to roadside assistance.
3. The business will contact Endurance to verify coverage and obtain repair authorization.
4. Any deductible, if applicable, is paid directly to the shop.
5. Once complete, Endurance pays the shop directly for your covered repairs.

Fidelity Claims Process

Fidelity’s claims process follows a similar structure:

1. Fidelity plan holders can call the company to initiate a claim or have the repair shop start the process. There is no app or online option. Everything needs to be done over the phone.
2. The shop contacts Fidelity for repair authorization.
3. A deductible, if applicable, is paid to the shop.
4. Fidelity pays the repair facility for covered repairs.

Claims Approval and Customer Satisfaction

In the extended warranty world, customer reviews and satisfaction are often closely tied to the claims experience. Third-party review platforms show differences in consumer experiences between providers. As of July 2025, across the board, Endurance Warranty gets top marks on ConsumerAffairs (4.6 stars), Trustpilot (4 stars), and Google Reviews (4.1 stars).

Fidelity’s ratings on the same platforms are 1.6 stars on ConsumerAffairs, 3.3 stars on Trustpilot, and 2.7 stars on Google Reviews, based on a smaller number of reviews. While individual experiences may vary, these ratings suggest differences in overall satisfaction and claims handling. Always consider reviewing multiple sources, like the BBB, and reading full customer feedback before choosing a provider.

Exploring Additional Benefits

The value of an extended warranty goes beyond paying for covered mechanical breakdowns—perks can make all the difference when your used car is in the shop. Both plans have a standard set of benefits, including 24/7 roadside assistance with towing services, rental car reimbursement, and trip interruption protection.

However, Endurance goes farther by including one free year of Endurance Elite Benefits. A small activation fee provides access to up to $2,000 in valuable extras:

• Tire repair or replacement
• Key fob replacement
• Collision repair discounts
• Windshield repair

Fidelity’s benefits stop at the standard range of services matched by Endurance.

Mobile App and Digital Access

The Endurance mobile app is another benefit of protecting a vehicle through America’s largest direct-to-consumer extended warranty provider. Available for Apple and Android devices, the Endurance app provides convenient access to:

• Contract and benefit information
• Roadside assistance
• Claims filing and status
• Endurance customer support

Fidelity doesn’t offer a mobile app. Customers can initiate a claim only by calling a phone number.

Repair Support

While Endurance customers can use any licensed repair facility (including dealership service departments and specialty shops) for covered repairs, they can also access the RepairPal network of certified service centers. These businesses are vetted for skills and professionalism and guarantee repair work for at least one year or 12,000 miles. This resource is especially valuable during out-of-town trips or when your local repair shop can’t handle more complex work.

Making the Right Choice for Your Vehicle

At a glance, the Endurance Supreme and Fidelity Platinum plans appear comparable. However, a detailed look beyond coverage terms shows a vast difference in the companies behind each program. We’ve covered this extensively, but here’s an overview highlighting the contrasts between these two warranty plans:

Discover more about the Endurance Supreme plan by visiting our online store for details and instant pricing. You can also speak with an Endurance plan advisor, who can explore all your coverage options, review pricing, and answer questions. Call (800) 253-8203 for a FREE quote and personalized assistance.

Endurance also offers an extensive library of car-related articles in the Endurance Blog. Learn about vehicle maintenance, DIY tips, car reviews, warranty insights, and more. If you’re curious about other comparisons, here’s a match-up between Endurance and CarShield.