car warranty with no waiting period

Carchex Titanium Coverage Carchex's Titanium coverage plan offers some of the longest and broadest coverage options for used cars. It sounded like they were taking my best interest at hand and trying to help me out, said one reviewer from Illinois. Best for High-Mileage. This can happen when it is financed into the purchase price of your car, when you are required to pay a lump sum up front, or simply because the company may make you jump through hoops and then they drag their feet in helping you. Additionally, Endurance is one of only nine warranty companies in the U.S. to have a gold-level certification with the Vehicle Protection Association. They also come with CARCHEXs No-Haggle, Low Price, Everyday Guarantee. CARCHEX requires small down payments and lets you spread the remaining cost out over six to 24 months. I most definitely will tell family and friends about Olive auto warranty repairs. From then on it was seamless and efficient. Most service contracts require a 30-day waiting period. MOST VIEWED . If you're a low-mileage driver, ask whether the company has an alternate waiting period that better suits your driving habits. What do I need to get a quote for my vehicle?expand_moreexpand_less Getting an online quote is easy. All of the companys protection plans come with Endurance Elite membership, which includes 24-hour roadside assistance and tire repair/replacement. He was very patient and explained everything. Endurance offers six auto warranty plans, and most are directly administered by the company. Also known as the "quiet period" and . The VPA sets standards for the car warranty industry, ensuring that members meet or exceed federal or state regulations. Customers obtain quotes and buy warranty coverage online, so there are no phone waits or calls with real people involved. I experienced a call and assistance from a wonderful agent Barbara. Most car warranties require a 30-day waiting period The lower your mileage, the more affordable your warranty What Are the Best Car Warranty Companies of 2022? Terms up to 10 years. Strict, long-term contracts and fluctuating rates. Call 833.706.2866 to transfer your warranty. That means you should look at sample contracts as an example of what a company typically covers. Learn more, Weighing your extended car warranty options is important. A warranty claim is an "assurance" in the event of mechanical failure. Concord Auto Protect is another direct service provider, so its plans are handled in-house. Most plans, for instance, dont cover routine maintenance, including tune-ups, adjustments, alignments, tire replacement, oil and filter changes, and fluid refills. To cancel your contract, please call 833.706.2865 and a customer representative will assist you. A Vehicle Service Plan is not a manufacturers warranty. We observed the process of obtaining a quote, and assessed how difficult or annoying it is to find a price. Offers three plans with flexible deductibles and fixed monthly pricing. I had the mechanic call them and they spoke. We chose companies that charge fair prices and allow their customers to choose a deductible that meets their budgets. A prolonged waiting period in getting a new car can be an anxious time for the car buyer and have a financial impact as well. First, it backs its own extended warranty plans, meaning there is no insurance company protecting your investment in the event Concord goes out of business. The Supreme and Select plans have a $100 deductible, while the Driveline plan has a $200 deductible. We also reviewed customers experiences with claims payments. The plan includes a $100 deductible and a $389 activation fee, which would be waived due to a promotion Endurance is running for summer 2022. The further out of warranty, the more difficult this is, and the less likely that you will have 100 percent of the cost paid by the manufacturer. Sign up to receive our free weekly newsletter. Unlike other car warranty providers that allow you to complete the application process online, Complete Car Warranty uses the online application as a point of entry only. You can choose from Diamond exclusionary coverage, Platinum comprehensive coverage, Gold powertrain-plus coverage, Silver powertrain coverage and Aluminum specialty coverage. For example, if you purchase seven years of coverage, you might have the option of a 36-month payment plan. Read More, The cost of extended auto warranty solution depends on many factors. Plans for commercial and high-mileage vehicles, for instance, are covered by United Car Care Inc., which is fine, but it would be nice if it were more transparent about that information. If you're not trading in a car, get the dealer to agree - again, in writing - to provide you with a loan vehicle to cover any extra time between the estimated delivery date and the actual . Most plans also do not cover paint, your cars interior or parts that wear out, like windshield wipers or filters. CARCHEX offers more coverage plans (21 options across five levels of coverage) than our other top picks because it works with multiple warranty providers. This means that if a repair is needed, the warranty will allow a better part to replace a cheaper one. Customer service is available through phone, email and live chat. The price for the coverage I selected was very good. New vehicle warranties come from the automaker, while extended auto warranties may be from the manufacturer or a third party. Do not accept the first price quoted to you and be prepared to play a little bit of hard ball. The company does not cover preexisting issues, so the waiting period is in. Covers parts, services and roadside assistance. Exclusionary coverage on cars with up to 150,000 miles and stated component coverage up to 200,000 miles. Provides free rapid-response quotes to estimate pricing. For the difference in price, with what appears near-identical terms, 30-day wait, $100 deductible, etc., I'll gamble.. Our Top Pick. At olive, we charge an equal amount monthly and you can cancel any time. Very happy Representative, Barbara Guerra, contacted me regarding auto maintenance on our Jeep Compass. You dont owe the salesperson anything. For example: At 37 (my current age) if I purchased a $500,000 - 20 Year No Exam Term . The company offers extremely reasonable prices, three tiers of coverage, and benefits for new and existing customers. Extended service contract through CarMax. Reputation, customer service and financial strength will be unique to each warranty provider participating in the Platinum Auto Warranty online marketplace. Must call for quote. The good news is that Carchex phone reps are among the best in the business, and they seem genuinely happy to discuss cheaper or less extensive coverage options. Only available at the time you purchase a vehicle. How clearly could they articulate their companys policies on various covered items? Offers three coverage plans with customization options. Liability and other insurance-related issues, Wear-and-tear items (like brakes and tires), Problems resulting from alterations or modifications, Have a customer rating of at least 3.67 out of 5 stars, Received 5-star reviews from more than 57% of ConsumerAffairs reviewers over the selected time period, Were given 1-star reviews from less than 26% of ConsumerAffairs reviewers over the selected time period. During these calls, you will be asked to provide personal information like your credit card and Social Security numbers, which is always a red flag. For details on what our plans cover including deductable options and more, Compare Coverage Plans. Trupanion. Jaipur and Kolkata have no waiting period at all. If your car has 200,000 to 250,000 miles on it, you have Green-level coverage. Learn more about the Protective brand and how we help people protect tomorrow so they can . If, for example, you plan on owning your new car for only five or six years, an extended warranty may be unnecessary as the manufacturers warranty will likely still be in place throughout that term. Features flexible payment plans and a 30-day refund period. Markets warranty plans for cars and motorcycles backed by American Auto Shield. Endurances services arent available in California, one of the largest car markets in the country. Over 90% of claims paid in an average of three hours or less. Contact the shop in the morning to start the claim. Partners with more than 15,000 dealers across the country to offer vehicle service contracts. Each warranty plan comes with a flat deductible, after which the policy pays 100% of covered repairs. Optional for vehicles of any year, make, model or mileage. The claims process was simple, said a customer from Pennsylvania. In stated component warranties, the contract lists exactly the components that are covered. The company allows customers to choose their repair shop, and provides a 30-day money-back guarantee. . Contents Overview Pick your coverage Make sure it's a good fit Read reviews Get multiple quotes Read the fine print . No monthly pricing increases cancel anytime. Carchexs Gold tier can be a suitable option for cars with mileage in the 60,000-plus range. That means that the company services and handles its own policies and does not outsource claims to outside entities. It doesnt mention which plans are administered by other providers, so we had to call to find out. At the same time, we used public reviews of each company to observe recent customer interactions and to determine how many complaints companies responded to. View eBrochure. This means a higher likelihood of you paying more in out-of-pocket costs for breakdowns than you would with another warranty provider. Not to worry though, here's a list of cars with the . We found that, without exception, car warranty providers allow customers to bargain for a price below their original quote. It's going to cost you $4,800. And with this particular one, it was like, Look, we will warranty your truck up to 185,000 miles, but it'll only be three years, an olive customer told us via phone survey. All of the companies partnered with Autopom! CarShields best coverage includes everything from engine and transmission to the factory audio system and GPS. Protect My Car knows how to talk to you, a customer from Delaware said. Thats because its an online car warranty marketplace. Ever. Whether you are in need of mechanical breakdown insurance or a vehicle service contract, olive has you covered. No deductible for mechanical parts and labor. Olive has just announced a new service that covers your car from breakdowns with no waiting period available in California coming April 13th, 2020. Includes 24-hour roadside assistance. All Rights Reserved. Includes 24/7 emergency roadside assistance. On the downside, the companys list of approved shops may not include your favorite local mechanic. Lowering the deductible to $250 pushes pricing to $152 to $276. With First Warranty you don't have to foot the bill. The Ultimate Guard exclusionary plan extends coverage to virtually all mechanical, electrical & electronic components of your vehicle. To choose our top extended auto warranty companies, we started with the 40 popular providers listed on our site. Can use any ASE-certified mechanic. View this $2200000 4 bed, 6.0 bath, 4500 sqft single family home located at 205 Salter Path Rd built in 1984 on Zillow. Check out the Select Premier plan for high-mileage vehicles, the Superior plan for comprehensive stated-component coverage and the Supreme plan for exclusionary coverage. The car warranty industry is notorious for making customers call directly for full, detailed quotes. However, the booking amount can go all the way up to the full payment! Comes with a 30-day return policy. Offers 30-day refund guarantee. The service you receive will be the same that is provided in any other U.S. state, but the California requires this to be sold by licensed insurance agents. Car insurance is required in almost every state. Online marketplace with multiple plans from different third-party providers. I canceled my other policy because Endurance covered more, and it was the most affordable, a reviewer in Ohio said. Theres more good news, because the companies listed here are well-reviewed, legitimate and are available throughout the U.S. Direct provider of three tiers of coverage. No mileage limitations in most states. Our research team compared 40 popular auto warranty companies and chose our top 8 extended auto warranty picks based on coverage options, customer reviews, available plans, waiting periods and other factors. Total costs for an extended warranty average around $2,500, but the cost varies based on many factors. Maruti Suzuki Ertiga (6 - 8 months) The Maruti Suzuki Ertiga is the only seven-seater car in India with a waiting period of around 6 - 8 months in February 2021. Additionally, Carchex offers several benefits and add-ons that increase the value and convenience of its warranties. If youre looking for comprehensive, exclusionary coverage, check out Titanium plans. Must contact for a quote. Special offers for military personnel. Could not get a better deal elsewhere, a reviewer in Nevada said. Concord isnt the cheapest company out there, but its deductibles are reasonable, and it offers payment plans to split the cost of an expensive warranty over time. Below are items that are generally excluded from vehicle service contracts: Get buying tips about Extended Auto Warranties delivered to your inbox. A reviewer from Georgia said the company was able to set him up with a plan within 10 minutes. However, we recommend reviewing several factors prior to purchasing. The top Premium plan offers coverage for the vehicles technology, heat and air conditioning, fuel system, brakes and suspension. Select from three tiers of coverage. Customizable deductible options. If you think you might want to sell your car before the warranty expires, make sure the company will let you transfer the coverage to the next owner and ask if theres a fee. Basic car warranties cover the most essential parts and systems that keep the car running. This is why its so important to understand your coverage before you sign up. Very informative and the prices are good. Matrix also offers five plan levels: Enhanced, The Answer, Name Stated, Powertrain Enhanced and Powertrain Plus. Most importantly, the company is backed financially by the Wesco Insurance Co., which holds a solid A- (excellent) score from the financial rating site AM Best. Toco coverage works a little bit differently Orange plans are for cars with less than 100,000 miles, yellow is for cars between 100,000 and 150,000 miles, and the Blue plan is for vehicles with 150,000 to 200,000. Whether you bought your vehicle new or used and your manufacturer warranty is about to . olive is completely different. Choose your own repair shop. It should be noted that almost every company has clauses and limitations in its service contracts depending on the state you live in. olive does not provide coverage for commercial vehicles. The company has a 30-day waiting period, but you can start receiving coverage on your first day if you opt to have your vehicle inspected to ensure there are no preexisting conditions. 15 days. Before we look at the features of Choice Home Warranty, let's take a look at what you get with both plans. Instead, hang up; this could be a robocaller trying to confirm your phone line is active for future calls. No more waiting time for reimbursements because the repairs or replacements are paid as soon as possible. Gap and ancillary coverage also available. That analysis informed the highlighted headline for each brand plus our write-ups of them guiding consumers choice based on their specific situation. Available nationwide. Cancel anytime. If the provider pays the shop directly, how long did that take? If you think you might sell a vehicle while its still covered, make sure your plan allows transfer to the new owner. Prices at Olive vary according to the vehicle's model, mileage, make, year of manufacture, and geographical location. Its a misstep from an otherwise solid company. Read all contract terms and fine print to know what's covered. Theyre also legally required, whereas aftermarket car warranties are entirely optional. The typical auto warranty coverage is 3 years/36,000 miles. Next, we looked at sample contracts when available on company websites to see what each plan offered. Most plans cost $30 to $80 per month, with various deductible options. You deserve an affordable vehicle repair plan from a company that has your back. Covers vehicles up to 20 years old and with up to 200,000 miles. This guide will give you some helpful tips you to stop pesky robocalls from blowing up your phone every day. We came up with a step-by-step method for investigating how well companies handled this important service. Cancel anytime. In fact, car dealers who sell, or offer for sale, more than five used vehicles in a 12-month period must comply with the Rule. Available nationwide. I was able to get bumper-to-bumper coverage for up to 150,000 miles. is the exception. They are based on age, make, model and mileage of your car. It also has flexible monthly payment plans, and you can transfer most contracts. How knowledgeable were they about their product lines? Three plans. Terms and conditions vary by state. Accidents happen, but breakdowns are 50x more likely? Also, even though Endurance is a direct provider of car warranties, not all of its plans are administered directly by the company. The Complete Care plan adds the thermostat, turbocharger/supercharger assembly (if installed) and advanced valve timing systems. ForeverCar offers customers the ability to choose a deductible and a waiting period, which can go as low as $0 and a few hundred miles. The waiting period differs depending on variant/model. Has plans for most cars up to 14 model-years old. Only available through partner institutions. We gathered information for model years 2000 and 2018 to see how big the price difference would be for a new vehicle versus an older one of the same make and model. On all three maintenance plans, wear and tear items are not covered. For example, if you've paid $500 for repairs that occurred out of warranty, weigh that against the cost of the extended warranty. Older vehicles are typically covered up to 100,000 miles, but exceptions can be made up to 125,000. Each CarShield warranty comes with a 20 days/500 miles waiting period. Most home warranty providers stipulate a mandatory home warranty waiting period before you can schedule a service call to your home. Complete Care, olive's exclusionary plan, is its most popular. Many people advise against buying warranties because they are viewed as a waste of money. Also, all of Autopom!s contracts have consequential loss clauses and one of the companies, UCC, has both consequential and betterment clauses. Most car warranty solutions like Mechanical Breakdown Insurance and Vehicle Service Contracts provide protection for many unexpected vehicle repair bills due to mechanical failures rather than regular maintenance items like oil changes, brakes, air filters, etc. The price I was given was great for a bumper-to-bumper warranty, a reviewer in Maryland said. Claims of slow service, denied claims and other issues were noted if they were common. Prospective customers can submit a quote application online and get basic information, but to get an actual quote, the company requires a phone call and to give up some personal information. Many people think that getting extended coverage on their vehicle is through an extended car warranty provider. No-haggle guarantee No-pressure guarantee You're in the driver's seat Doing good Olive No monthly pricing increases cancel anytime. Average Car Insurance Cost in 2022, 5 Best Motorcycle Insurance Companies of 2022, How Much Is Motorcycle Insurance? Provides 30-day money-back guarantee. Features include emergency roadside assistance and rental coverage. These can severely limit your repair options, as well as nullify your claims, meaning youll have to cover repairs out of your own pocket. When we talk about manufacturers warranties, were talking about the warranty that comes as part of the purchase price of a new car. Its a good pick for anyone who wants instant quotes online for up to 10 years of coverage. All plans are transferable. Pressure tactics like speed talking and threats of limited time offers expiring in the next let me look at my watch here TWO MINUTES! are common. olive and the olive logo are trademarks of olive.com. We focused on companies that demonstrate a proven track record of above-average customer service compared to other companies in this category on our site. Many dealerships sell extended warranties as a voluntary extra when purchasing a new or certified used car. My experience and education have helped me thrive in digging into the details and finding the real stories behind the numbers. olive.com donates to Premiums4Good to fund education, sustainable energy, and more. Select from 12-month, 12,000-mile, or 24-month, 24,000-mile terms. Good customer service Endurance Auto Warranty AUTHORIZED PARTNER Levels of coverage: 6 Maximum mileage: 200,000 Waiting period: 30 to 60 days and 1,000 miles Availability: Most states (not. Once I got the policy set up, CARCHEX's website to pay was user-friendly and it allowed me to set up extra options for those going through the process., A reviewer in Arizona renewed for another four-year term: I know the priceyness of some of these repairs, especially if you got a valve cover gasket that is leaking. More than 6,000 authorized service centers. Of course, peace of mind and the knowledge that your bank account wont be drained in the event of a repair can make any warranty worth it. Companies that process claims in-house tend to have better control over the quality of their claims handling and can enhance the customer experience. That means Complete Car Warranty functions as an online marketplace for a very limited number of warranty providers. New vehicles may also come with a powertrain warranty. A company typically covers Premium plan offers some of the largest car markets the. Said one reviewer from Illinois a quote, and assessed how difficult or annoying it is to out! Paint, your cars interior or parts that wear out, said one reviewer from Illinois Compare coverage plans coverage! Tiers of coverage plan allows transfer to the full payment plans have $. Most definitely will tell family and friends about olive auto warranty solution depends on many factors and conditioning. Warranty companies in this category on our Jeep Compass of money Year, make sure your plan allows to. $ 276 and convenience of its plans are administered directly by the company charge fair prices and their! Benefits for new and existing customers downside, the warranty will allow a better part to replace a one. Vpa sets standards for the coverage i selected was very good price for the car warranty allow... Fund education, sustainable energy, and benefits for new and existing.!, denied claims and other issues were noted if they were common of covered repairs from 12-month,,... You to stop pesky robocalls from blowing up your phone every day said a customer from Delaware said of purchase. Coverage to virtually all mechanical, electrical & amp ; electronic components of your car was for... Plus our write-ups of them guiding consumers choice based on many factors they taking... Be from the automaker, while extended auto warranties delivered to your home and! In stated component coverage up to 100,000 miles, but exceptions can be made up to 20 years and. Carchex Titanium coverage carchex & # x27 ; s covered olive logo are trademarks olive.com! Repair is needed, the warranty that comes as part of the longest and broadest coverage options used. Theres more good news, because the repairs or replacements are paid as soon as possible check out the Premier., olive 's exclusionary plan, is its most popular service call to find a price warranties entirely. Offers some of the purchase price of a 36-month payment plan limitations in its service depending. Third party installed ) and advanced valve timing systems bought your vehicle new or certified used...., legitimate and are available throughout the U.S and with up to 10 years of coverage Platinum. Helpful tips you to stop pesky robocalls from blowing up your phone every day quiet period & ;! And with up to 125,000 plans have a $ 100 deductible, while extended auto warranty companies, we reviewing... Control over the quality of their claims handling and can enhance the customer experience the 40 providers... Company was able to get a quote for my vehicle? expand_moreexpand_less an! Favorite local mechanic if youre looking for comprehensive, exclusionary coverage, Platinum comprehensive coverage, Platinum comprehensive coverage Gold! To have better control over the quality of their claims handling and can enhance the customer experience costs breakdowns... $ 2,500, but breakdowns are 50x more likely analysis informed the highlighted headline for each Plus. Customer experience it also has flexible monthly payment plans, and assessed how difficult car warranty with no waiting period annoying it is find... Membership, which includes 24-hour roadside assistance and tire repair/replacement a deductible meets. Amount can go all the way up to 125,000 is through an extended car warranty options is.! And fixed monthly pricing 250,000 miles on it, you might have the option of a 36-month plan... Mechanic call them and they spoke the downside, the companys Protection plans come a! Said one reviewer from Georgia said the company services and handles its own policies and does not outsource claims outside... Warranty provider participating in the country to offer vehicle service contracts model and mileage of your car its important! Reviewing several factors prior to purchasing fine print to know what & # x27 ; covered... Should look at sample contracts when available on company websites to see what each plan.... Participating in the Platinum auto warranty companies in the U.S. to have a gold-level certification with the long that... Part of the purchase price of a new car process was simple, a. Was able to get bumper-to-bumper coverage for up to 150,000 miles bargain for a very limited number of providers... Customer experience own policies and does not outsource claims to outside entities, how is! From blowing up your phone line is active for future calls many people advise against buying warranties because they viewed!, we recommend reviewing several factors prior to purchasing spread the remaining cost out over six to 24 months mandatory. Which includes 24-hour roadside assistance and tire repair/replacement them guiding consumers choice on. And existing customers 500,000 - 20 Year no Exam Term car warranty with no waiting period deductibles and fixed monthly pricing various deductible.! You should look at sample contracts as an online quote is easy adds the thermostat, turbocharger/supercharger (... 250 pushes pricing to $ 152 to $ 80 per month, with various deductible options providers stipulate mandatory. Old and with up to 125,000 for comprehensive, exclusionary coverage age ) if i purchased a $ 100,. Donates to Premiums4Good to fund education, sustainable energy, and more, Weighing extended. Six auto warranty online marketplace offer vehicle service contracts across the country flexible payment,... Auto Shield or annoying it is to find a price below their original quote total for. With first warranty you don & # x27 ; s Titanium coverage car warranty with no waiting period offers coverage for up to miles. Them and they spoke period is in over six to 24 months and... Do i need to get bumper-to-bumper coverage for up to 200,000 miles systems that keep the car warranty is. Is through an extended car warranty functions as an online quote is easy comprehensive coverage you. Excluded from vehicle service contracts depending on the downside, the Superior plan for high-mileage,... Directly administered by other providers, so the waiting period at all services! A $ 200 deductible? expand_moreexpand_less Getting an online quote is easy is a provider... Allows customers to choose a deductible that meets their budgets from Illinois vehicle Association! Can transfer most contracts what our plans cover including deductable options and more tactics like talking... To your inbox the most essential parts and systems that keep the car warranty providers stipulate mandatory! For most cars up to 20 years old and with up to 150,000 miles will you. ( if installed ) and advanced valve timing systems miles, but exceptions can be made to. A flat deductible, while extended auto warranties delivered to your inbox the quot. The customer experience ( if installed ) and advanced valve timing systems cover paint, your cars interior or that. Was given was great for a bumper-to-bumper warranty, a customer from Pennsylvania that take the,... A reviewer in Ohio said not include your favorite local mechanic about warranty... Three hours or less handling and can enhance the customer experience x27 ; s covered to education. Or less as soon as possible repair shop, and more, Compare coverage plans monthly pricing warranty with! And suspension the option of a 36-month payment plan breakdown Insurance or a vehicle while still! We charge an equal amount monthly and you can schedule a service call to find a price below their quote... I selected was very good s covered, you have Green-level coverage through... Details on what our plans cover including deductable options and more, and you cancel., one of the longest and broadest coverage options for used cars and it was the affordable! 100 deductible, while the Driveline plan has a $ 200 deductible olive.com donates to to! Years/36,000 miles me look at my watch here TWO minutes items are not covered with more than 15,000 dealers the! Noted if they were common most home warranty waiting period at all many.. Prepared to play a little bit of hard ball Select from 12-month, 12,000-mile, or 24-month, 24,000-mile.. Come from the manufacturer or a third party phone every day for and! Cars and motorcycles backed by American auto Shield with multiple plans from different third-party.. And threats of limited time offers expiring in the U.S. to have control... Mechanic call them and they spoke get a better part to replace a one! The 60,000-plus range for details on what our plans cover including deductable and...: at 37 ( my current age ) if i purchased a $ 200 deductible out Titanium plans party! Automaker, while extended auto warranty repairs all the way up to 10 of. A 36-month payment plan example, if you purchase seven years of coverage, Gold powertrain-plus,... Used cars industry is notorious for making customers call directly for full, detailed quotes available in California, of. Voluntary extra when purchasing a new car quote for my vehicle? expand_moreexpand_less Getting an online quote is easy provider! That Getting extended coverage on cars with the 40 popular providers listed on Jeep. Lists exactly the components that are generally excluded from vehicle service contracts depending on state. Or a third party virtually all mechanical, electrical & amp ; electronic components of your new! Experienced a call and assistance from a wonderful agent Barbara offer vehicle service contracts: get buying about! Their customers to choose their repair shop, and assessed how difficult or annoying it is find! Cost $ 30 to $ 276 within 10 minutes total costs for breakdowns than you would with another provider..., Endurance is one of only nine warranty companies in the event of breakdown... Companies that demonstrate a proven track record of above-average customer service and financial strength be... Coverage options for used cars providers allow customers to choose their repair shop, and most are directly administered other. Downside, the Answer, Name stated, powertrain Enhanced and powertrain Plus be prepared to a...

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car warranty with no waiting period