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At Toco, we believe that no one should ever be grounded by auto mechanic bills they can't afford. That's why we're introducing a whole new approach to the vehicle service contract that puts the consumer first.

Our Story

If you could put a price on peace of mind, Toco's would be the lowest.

Founded in 2013, Toco offers a revolutionary approach to the vehicle service contract. The way we see it, a vehicle service contract should be a simple and affordable monthly expense, much like the utility bill. By paying a small amount each month, with no interest or down payment, you can keep your vehicle protected. Our plans maximize coverage based on mileage and age while keeping fees affordable.

How are we able to offer a better product with better service at a lower cost? It's because we've vertically integrated all necessary parties, from claims administration to the A-rated insurance company that backs the service contracts to our stellar customer service team. We do not work with outside third parties, just a direct relationship between us and you.

Toco is located in sunny Studio City, CA, just one mile away from Universal Studios. The high energy of this neighborhood is directly reflected in Toco's passion for serving its customers. Just like the Toco toucan, our team is a spirited, fun, and creative bunch of people dedicated to high-quality service.

Backed by AmTrust Financial Services, rated “A” (Excellent) by A.M. Best Company, Toco is the experienced, legitimate, and affordable solution for protecting your car.

Looking to be part of a company that's shifting the way we protect our cars?

Is Toco for you?

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© Copyright Toco 2014 / Privacy Policy

All plans require a mandatory Waiting Period before coverage takes effect, which starts from the contract purchase date and vehicle's odometer mileage at contract purchase date. Covered services are also subject to a $100 deductible, per visit. See Registration Page and terms and conditions for full coverage details.


Not all vehicles are eligible for coverage; discuss with your Toco Warranty representative to confirm your vehicle's eligibility.


Plans referenced herein are not contracts of insurance; they are Vehicle Service Contracts (except in Alaska, California and New Jersey, where the plans are sold as mechanical breakdown insurance, which is not the same as bodily injury/property damage liability automobile insurance that may be required by your state). Click here for information regarding the plans available in Alaska, California, and New Jersey. Plans are not available in Missouri and Washington. Information provided herein is for illustration/summary purposes only. Terms and conditions apply; contact Toco Warranty for a copy of the full terms and conditions of the plans referenced herein.

Vehicle Service Contract coverage is provided and administered by Warrantech Automotive, Inc. In the following states, coverage is provided by: in Florida – Wesco Insurance Company (as obligor and administrator), 59 Maiden Lane, 43rd Floor, New York, NY 10038, License #01913 and Toco Warranty Corp. (as seller), 10960 Ventura Blvd., Studio City, CA 91604, License #W139014; in Oklahoma – Warrantech Automotive of Florida, Inc. (as obligor), P.O. Box 959, Bedford, TX 76095. We are not affiliated with any manufacturer or dealership.


Roadside Assistance Services are provided by Nation Safe Drivers, 800 Yamato Rd. Suite 100, Boca Raton, Florida 33431 (except as otherwise noted for your state in the terms and conditions).