Fidelity Car Warranty Reviews
We rate Fidelity Warranty Services 3.8 out of 5.0 because it offers a good range of coverage options but could offer better warranty transparency.
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Key Points:
- Fidelity Warranty Services, Inc. offers a good range of warranty options at very competitive prices.
- You can only purchase a Fidelity car warranty through participating dealerships.
- While Fidelity warranties do come with perks, you can only have your vehicle fixed at predetermined service stations.
In this article, we will outline the types of coverage available with a protection plan from Fidelity Warranty Services, Inc.–taking a closer look at its credibility, estimated costs, and Fidelity car warranty reviews–so you can decide if it’s the right option for your needs.
Our expert reviews team spends hundreds of hours analyzing extended warranty providers. We pour over online reviews, mystery shop companies to understand consumer experiences, and collect quotes and survey data from a provider’s past clients to determine the best extended car warranty providers on the market. Overall, we’ve given Fidelity Warranty Services a rating of 3.8 out of 5.0 stars.
An extended car warranty refers to mechanical breakdown coverage offered by a vehicle manufacturer. However, this term is often mistakenly used to describe coverage from third-party companies. Independent providers offer similar protection through vehicle service contracts, but we’ve used the terms interchangeably in this article for convenience.
Fidelity Car Warranty Overview
Our rating of 3.8 out of 5.0 for Fidelity Warranty Services includes individual ratings in multiple categories. Take a look at how we rated the company in different areas below.
| Rating Category | Our Rating |
|---|---|
| Reliability | 4.1 |
| Coverage | 4.3 |
| Pricing | 4.3 |
| Transparency | 2.5 |
| Customer Experience | 3.8 |
| Overall Rating | 3.8 |
The company performs well in many areas of our review but could do much better in terms of transparency. Fidelity doesn’t provide sample contracts and you have to get details from a dealer.
Fidelity Warranty Pros And Cons
Below are a few pros and cons of Fidelity car warranties:
Fidelity Car Warranty Quick Facts
- Founded: 1978
- Headquarters: Deerfield Beach, Florida
- Coverage options: Five Vehicle Service Contract (VSC) coverage levels
- Coverage terms: Up to 150,000 miles depending on your chosen plan
Is A Fidelity Car Warranty Legit?
Fidelity was founded in 1946 as an investment firm. In 1978 the company expanded into the vehicle service contract industry when it founded Fidelity Warranty Services. Fidelity Warranty Services is a BBB-accredited company with an A- rating and over 45 years of industry experience.
Fidelity Car Warranty Customer Reviews
Online warranty services reviews for Fidelity are mixed. Some customers felt that they were denied coverage for more basic items that other companies would otherwise cover, while other customers were pleased with the easy claims process and the company’s efficiency. Overall, it has a rating of 3.4 from customers on the BBB, which is not bad for an extended warranty company.
Fidelity Car Warranty Positive Reviews
“Fast payment. Hassle-free. Very happy that my Jeep was covered with the bumper-to-bumper warranty.”
–Deborah S. via BBB
“Fantastic warranty company. Very impressed that they went deeper into the problem to make sure it was fixed right the first time. Had to make a claim within 3 days of purchase. They handled everything. I would highly recommend this company. I will buy from them again.”
–James J. via BBB
Fidelity Car Warranty Complaints
“They work hard to deny every claim. Their exclusions work to leave consumers in the lurch.”
–John K. via BBB
“Horrible experience! I have waited almost eight weeks for a refund after canceling my gap insurance due to the sale of my car. Zero communication from this company and still no check. I am pursuing legal options available to me in order to obtain my refund.”
–Jeffery P. via BBB
Fidelity Extended Warranty Coverage
Fidelity Warranty Services offers five coverage plans at dealerships across the country. You can choose a vehicle protection plan, which consists of three coverage levels and provides protection for up to 150,000 miles on the odometer, or high-mileage vehicle protection, which consists of two coverage levels and provides protection for up to 48,000 miles after purchase. In the following sections, we describe the specific parts covered by Fidelity’s multiple extended warranty plans, as well as additional benefits that come with each plan.
Fidelity Car Warranty Plans
The right extended warranty for your vehicle depends on the components of your car you want to protect. To help you choose the right plan for you, we have researched each Fidelity extended warranty plan, the coverage options, and the parts protected. The following sections have detailed lists of each part covered for Fidelity vehicle service contracts.
Fidelity Vehicle Protection Plans
Fidelity’s Vehicle Protection Plan program offers three plans: Powertrain, Gold, and Platinum, with each offering different levels of coverage. Coverage begins when you purchase the vehicle service contract, and it ends when the term ends or you exceed the mileage limit. The plans cover up to 150,000 miles on the odometer.
| Fidelity Warranty Plan | What It Covers |
|---|---|
| Platinum | As a bumper-to-bumper, exclusionary plan, the Platinum coverage applies to most components, except: brake linings, drums, rotors, tire wheels, upholstery, paint, heater and radiator hoses, exhaust system, air bags, glass, and batteries, among other components. |
| Gold | Takes care of basic powertrain coverage in addition to cooling, steering, brakes, air conditioning, front and rear suspension, and electrical components. This plan also covers hybrid, plug-in electric, compression natural gas, and hydrogen components. |
| Powertrain | Common parts of the vehicle’s engine, transmission, drive axle, transaxle, and transfer case are covered. |
Fidelity High-Mileage Vehicle Protection Plans
Under a high-mileage plan, you’re able to extend the useful life of an older or used car. There are two plans under Fidelity’s high-mileage program: Drivetrain Plus and Owner Select. These plans cover up to 45,000 miles from the time of plan purchase. They’re good options for cars over 100,000 miles. Below is a description of each high-mileage car warranty plan and the parts covered.
| Fidelity
Warranty Plan | What It Covers |
|---|---|
| Drivetrain Plus | Covers vital parts of a vehicle’s engine, transmission, transaxle, transfer case, and drive axle. It also covers hybrid and plug-in electric internal engine and transmission components. |
| Owner Select | Covers all parts included in the Drivetrain Plus plan, in addition to coverage for steering, braking, air conditioning, and additional hybrid and plug-in electric components. |
Fidelity Electric Vehicle Plans
Fidelity also offers a variety of plans for electric vehicles. These include Limited Warranty Coverage, Vehicle Service Contracts, and Battery Coverage. Not all extended warranty companies have specialized plans for electric vehicles, so it’s nice to see Fidelity does.
| Fidelity
Warranty Plan | What It Covers |
|---|---|
| Limited Warranty Coverage | Covers used EVs for vehicle, battery, and drive systems similar to a factory warranty for 1 year/12,000 miles after purchase. |
| Vehicle Service Contract | Multiple options cover up to 11 years/150,000 miles and include the battery, charging system, EV drive components, air conditioning, and more |
| Battery Coverage | Covers high-capacity EV batteries for mechanical failure (not gradual capacity loss) |
Fidelity Car Warranty Benefits
All Fidelity warranty plans are transferable and can be canceled by request. You’ll also get 24/7 roadside assistance and other peace-of-mind benefits, including towing, rental, and trip interruption reimbursement up to a certain dollar amount per day. Vehicle fluids are covered in addition to parts and labor on a covered repair.
If you’re looking for specialized coverage, other available options include:
- Car Care Service Plan
- Excess Wear and Tear
- Road Hazard Tire and Wheel
- Theft Deterrent System
- Total Loss (GAP) Protection
What Does A Fidelity Warranty Not Cover?
Exclusionary contracts with Fidelity Warranty Services will have a list of excluded parts like cosmetic items, maintenance services, damage from accidents, and more. If you choose a stated component plan instead, you’ll only have coverage for listed components in your contract, nothing more.
Fidelity will not cover breakdowns caused by misuse, abuse, negligence, improper towing, lack of regular maintenance, lack of coolant or lubricants, and more. It’s best if you check your service contract for a full list of complete details regarding what your warranty does and does not cover.
Fidelity Warranty Claims
When it’s time to file a claim, either bring your vehicle to your purchase dealer or call your given toll-free number for assistance from a claims analyst. Be aware that the Fidelity Warranty Services claims analysts are not available 24/7. They have set business hours, and you won’t be able to reach a claims analyst on a Sunday.
Fidelity Warranty Services Authorized Service Centers
Fidelity does not have the largest selection of repair facilities to choose from, but you can bring your vehicle to one of 6,000 participating service centers. Your claim payment will be made directly to the repair shop. All contracts are backed by insurance, and you’ll still be covered even if your dealership goes out of business.
Fidelity Car Warranty Cost
Extended warranty costs vary by plan, mileage, vehicle model, and model year. Fidelity Warranty Services does not provide direct quotes online, as contracts are sold by dealerships rather than the company’s office. If you’re ready to ask about protection plan prices, then you must contact your participating dealership to get a direct quote based on your needs.
How Much Does A Fidelity Car Warranty Cost?
While you must contact a participating dealership in order to get a quote from Fidelity Warranty Services, we obtained quotes for Powertrain, Gold, and Platinum plans for a 2017 Honda CR-V and 2017 Chevrolet Silverado. See below for more information on the quotes we were provided.
| Vehicle | Fidelity
Car Warranty Plan | Term Length | Payment |
|---|---|---|---|
| 2017 Honda CR-V | Powertrain | 5 years 60,000 miles | $51 a month
$1,224 total price |
| 2017 Honda CR-V | Gold | 5 years 60,000 miles | $65 a month
$1,560 total price |
| 2017 Honda CR-V | Platinum | 5 years 60,000 miles | $34 a month
$816 total price |
| 2017 Chevrolet Silverado | Platinum | 5 years 60,000 miles | $45 a month
$1,080 total price |
The quotes we received are for vehicles with 45,000 miles on them and with a payment term of 24 months. In addition, we found that you’ll need to provide a down payment at your time of purchase equal to three months worth of payments. The prices we obtained from Fidelity Warranty Services are all considered low in comparison to the quotes we’ve gathered from other reputable extended warranty providers.
Fidelity Extended Warranty Reviews: Conclusion
In this article, we looked at Fidelity’s warranty plans, including cost, coverage, the claims process, and vehicle service center locations. While Fidelity has affordable warranty plans, other third-party vehicle service contract companies like Endurance and CarShield offer more coverage options at similar prices.
Our Recommendations For Extended Car Warranty Coverage
Our team has thoroughly researched the extended warranty market, and we recommend getting quotes from Endurance and CarShield due to their affordability, industry standing, and exceptional customer reviews.
Endurance: 4.7 Stars
Endurance offers six distinct levels of coverage, which are available for cars with 200,000+ miles. Endurance is a unique provider–you won’t have to worry about a middleman for claims as it offers direct-to-consumer extended warranties. In addition to a 4.7 out of 5.0 star rating, we’ve named Endurance Best Coverage Options and ranked it as our top choice.
Carchex: 4.5 Stars
A wonderful customer experience made Carchex our pick as the provider that’s best for used cars. The popular provider is accredited by the BBB with an A+ rating and holds a number of awards and industry endorsements. Offering five plans that come with perks such as 24/7 roadside assistance, rental car reimbursement, trip interruption, and more, you’ll have peace of mind on the road with this reputable warranty provider.
Fidelity Car Warranty Reviews: FAQ
Below are some common frequently asked questions about Fidelity’s extended warranties:
Is Fidelity legit?
Fidelity warranty services was founded in 1978. It has an A- rating with the Better Business Bureau (BBB) and has been in business for over 45 years.
How much does a Fidelity extended warranty cost?
Fidelity only sells vehicle service contracts through authorized dealers. You will need to contact an authorized dealer for a quote specific to your vehicle’s make, model, year, and mileage.
What is the best aftermarket car warranty?
We rate Endurance as the best aftermarket warranty company in the industry. Our expert reviews team ranked every major warranty provider and found Endurance to have comprehensive plans, competitive pricing, and strong customer service reviews. Our review team scored Endurance the highest, with a rating of 4.7 out of 5.0 stars.
Is a Fidelity auto warranty worth it?
A protection plan can be worth it from Fidelity for drivers who want to protect themselves against costly out-of-pocket repair bills. However, we recommend getting at least three quotes from third-party vehicle service contract companies to find the best policy for you.
How We Rate Warranty Providers
Our review process aims to deliver consistent and unbiased assessments of extended auto warranty providers. While there are multiple qualities that make a warranty company successful, our review team focuses on those we believe are the most important for consumers:
- Reputation: It’s important that an extended car warranty company is able to meet its claims obligations. Companies with a strong rating from the Better Business Bureau (BBB) and a long history of reliable service score well in this category. We also evaluate the availability and transparency of each company’s contracts, as well as whether each provider offers a money-back guarantee.
- Coverage: Our team of experts looks at the number of extended warranty plans available, as well as term limits, exclusions, and added benefits like roadside assistance. Ratings also take into account the availability of maintenance coverage.
- Cost: Cost can be difficult to compare between providers because so many factors impact vehicle service contract pricing. To determine our cost score, we perform a secret shopper analysis for a variety of vehicles and plans and consider available deductibles.
- Customer Experience: We listen to real customer sales calls and comb through reviews on sites like the BBB to learn about customer experiences. Warranty companies with a low volume of complaints score well in this area. We also consider the availability of mobile apps and chat features.
