Protective Asset Protection
Reviews and Complaints

Bought a used gmc 2016 one yr ago got the extra coverage, the motor blow do to a rear seal leak, they are refusing to fix because they claim there's recall and I should had fixed it, on my car fax and anything else I look up there's no recall, can't show me where there is or how they help I was supposed to know, this is bs, this is the whole reason I bought the coverage, I will be looking in to sueing them if I can't get this fixed

I purchased the highest coverage possible: the Ultimate Guard. In addition, added the "Luxury Electronics Coverage" which was supposed to cover as follows: "The following emissions related components are covered: Air fuel ratio sensor; anti-knock sensor; fuel sensor; idle air control valve; intake air temperature sensor; intake manifold; manifold air pressure (MAP) sensor; mass air flow sensor; oxygen sensor; powertrain control module (PCM); exhaust manifold."

The check engine light came on and I took it to the local dealership. They diagnosed it as an emissions-related component failure, specifically the Evaporative System Integrity Module (ESIM). The service manager contacted Protective whereupon the claim was denied. Even though emissions-related components are supposedly covered under the additional Luxury rider, this particular part was not "specifically listed." As it turns out, it is a $20 part that takes 5 minutes to replace. Protective refused to cover it or the diagnostics related to it. This appears to be bad faith. When one is sold the top tier coverage with the additional luxury package coverage, one would expect a simple $20 part be covered, especially given the misleading coverage wording.

Had a check suspension system warning come up. Contacted my local dealer and by time he could get it in, I was 67 miles over my factory warranty. He called Protective to cover the cost, which ended up being an electronic component built into the shock absorber, and because it was a shock absorber that needed total replacement, they denied it. My service manager, who has 30 years at this dealership,and myself both argued that it’s not the shock absorber, it’s the component built in to it that’s bad, but because of the way it’s manufactured, the whole shock has to be replaced. The replacement is over $800. They denied it and will not budge. What a waste of money to buy the extended warranty for exactly this reason. Total rip off!

We haven't had our Kia that long and the engine soon light came on. It needs a new engine. This company is denying our warranty and refusing to fix our car. We paid for the warranty. We gave all the receipts for oil changes they ask for. The auto machnic and inspector both agreed that this was a problem before we had this car from previous owners. Still warranty is denying to help us. We have been easy to work with and gave them what they said they needed and they still are denying it. Don't ever buy their warranty.

Steering knuckle joint failed causing further fail of tie rod, control arm, cv joint and strut. Warranty is enforce but they refuse to pay claiming there had to be wheel damage or curb impact. Neither happened. They have refused to speak with our mechanic who said the damage to the wheel as well as other parts was indeed caused by the failure of this part. We are not looking for them to pay for not covered parts, just the covered parts. At this time the costs to replace the covered only parts is over $1400, We paid 1500 for the warranty. This also caused damage to the fender which our comprehensive insurance is covering. Multiple calls even speaking with a manager has yielded only denial of claim. They also refuse to speak to our mechanic.

On Saturday August 22, 2020 we were driving out of State in South Carolina on I26 when our Acura lost power.

It was a terrifying experience with our young Granddaughter in the car with us.

We were able to limp our way to Bradshaw Acura in Greenville, South Carolina just before closing on a Saturday.

We were not able to even think about an authorization for service at the time. Just lucky to make it there before closing and all documentation for this policy was at home in Florida.

On Monday August 24, 2020 we picked up the car and the Service Manager told us to submit a claim when we got home and it would be covered.

Received letter today from Protective Asset Protection stating that they would not pay the claim because it was Unauthorized repair. This is just crazy... Note this policy was purchased from Acura when we bought the car so that we would not be subject to an undo hardship of paying $1, 300 for a major repair.

I took my car to a shop for repairs not worried about coverage because I have protective asset protection. Recieve call from shop and told asset protection will not cover the repairs that their not covered. So I go on line and get a copy of the plan and whats covered an email it to asset protection and their response was that plan was out dated they had a answer for everything to keep from paying for the repairs. Not good business at all. So sad. Total ripe off, they talk you into getting all this so called coverage, what a bad joke. They were not even willing to bend a little. Pitiful

Terrible customer service. Terrible follow-up. We purchased two used cars from a dealership on the same day. They gave us "Lifetime Powertrain" warranties on both vehicles. When I called Protective due to an issue, my car was not on the policy. It took 12 days to get my car activated. The car had been purchased over a year prior. My car had been smoking that entire 12 days. Then we took it in, they told the mechanic to replace a part (not under warranty) and we did at a cost of $300 to us. This did not fix the car. We then took it to a Nissan dealership who told them that we need a new motor. Protective is refusing to cover it because it is not a "mechanical breakdown." We are being told it is going to cost us $5000 for a USED motor. This insurance is a joke. Don't waste your time with them. I am contacting the Better Business Bureau!

I reluctantly took on a job for a customer who had an overheated durango only to have to jump through many hoops to confirm what 35 years of automotive repair experience told me in 15 minutes. P.A.P. Required me to remove both heads (at the customers expense) and when they were told of the extensive damage to the block and heads, authorized me to proceed with an engine replacement. After over three hours we came to an agreement of the charges (which had been previously approved). Hours later they call me back to make the payment only to reneg on over $2500 of the repair. Nobody at this company can seem to find any of the correspondence (of which we have copies of emails) and seem to be unable to give a rats [censored] about the customers they scam out of the warranty money. These people are the whole reason i will never work with another warranty company and will do my level best to deter people from ever using this company.

I bought a 2014 cadillac cts in october 2018 from patty peck honda in mississippi that came with the dealership warranty a lifetime powertrain warranty with protective asset protection. On july 20, 2019 I noticed a sound coming from my car, as the days passed it got louder. I took my car to the cadillac shop here in baton rouge where I live and they diagnosed my car saying it was the rear differential had gone bad. I called the warranty company protective asset protection company about my warranty and it clearly shows it covers the part to be fixed. They spoke with the mechanic and told them what the problem was, he clearly stated how it got messed up. The warranty sent out their inspector to check my car, I got a call saying they would not fix my car it's not covered cause of the seal and gasket broke which caused it to leak the oil out and that caused the bearings to mess up in the differential! I never saw a leak nowhere to know that I had a problem, so if the mechanic told how the problem came about and started to happen it should be covered! Why have a warranty if they don't honor the warranty they list to be covered, why do I need it...! I'm looking into an attorney this is not right... Please do not deal with protective asset protection warranty company they are full of [censored]ttt

ok so i bought abrand new car wanted everything for it, I never make a mistake of what i hear this way i have no regret. I went to Bill Jacobs Mazda In Joliet . The car is good but the Dealer Shady, the owner died the wife sold the buisness and all the people that worked there gone. Now when i i bought the Extended Warranty and this is how i was charged for it and asked if i wanted it not a service protection plan i paid 1933.00 dollars for it only to find out it doesnt exisist. . So heres what i learned Dont buy the 3rd party warranty because it dosent exsist and i will say it to their face . Its all changed once you leave the dealership .The Dealership they dont care they sold the car. #3 this company goes buy several different names and the BBB well their not going to help . So keep your money .

We bought a 2010 Chevy Equinox from Toyota Direct in Feb. By March we were having issues with it losing Oil. We took it to our mechanic who informed us that there had been a recall on a part which caused this. However the previous own and/or dealership never followed up on it. Protective made us go through multiple trials which required us to go through a weekly oil test at an approved dealer. After that they stopped communicating with us and considered the matter closed. As they blamed US for what the dealer/previous owner had not had done. They refused to cover ANYTHING on the car. Then it died completely, we couldn't even drive it by May. We had it towed to a GM dealer who has had it ever since! The Warranty WE paid for is USELESS as they continue to make excuses for why they don't think THEY should cover parts that are CLEARLY marked as covered under our plan. As of Jan 06, 19, I am STILL driving the car that we bought this one to replace. It is unreliable, breaks down frequently and we are STILL Making car payments on the car we don't even have possession of.
This company should be closed down.
DONE with them! currently working on filing reports against them with the FTC, BBB and Ohio Atty Generals office.

Purchsed an RV in June 2016 with an XtraRide extended warranty from Protective
Asset Protection. Sold unit in April 2018 and paid off loan. I wrote them a letter in April, 2018 requesting refund of unused premium.

Contract clearly says that it can be cancelled and a pro-rated refund will be made. When called to see if they had gotten my letter saying we had sold the unit, they said and it would take 6-8 weeks to get the refund. Over 2 months later and we've heard nothing. Poor customer service.

i bought the extended warranty for my Regal 2500 for peace of mind. i recently had a fuel pump and pulley go out and PAP said they would replace the pump but not the pulley. the pump will not work without the pulley. so after talking with them several times they decided to pay for the pulley. now my raw water pump and pulley went out. PAP says the warranty is part specific and the raw water pump is not covered and definitely not the pulley. said they made a mistake before by paying for the pulley on the fuel pump. these are all items that routinely go out on a boat engine. it is beyond me how a raw water pump would not be covered on warranty, other than they know what parts go out and will not cover them. my advice is save your money. PAP will not pay for the items you will need to be replaced.

Nov 2016 after buying 2003 ford expedition 72, 000mile and protection plan
Had the head heads strip out and blew the spark plug out
Was in a small town and they could repair reasonable and right away submitted claim and was told that was not an internal lubricated part so would not be covered total bill was only $300.00 now if I had it repaired at a dealer they may have replaced the head because of the striped threads much more cost but that may have been a covered part I travel the dakotas and western mn for work so every little town has a great mechanic but like this one that I used will not deal with the hassel of the warranty it is a hassel make sure you understand exactly what the processes and realize most claims are turned down it may save some money but it s not worth the hassel. If you did buy this you can go back to the dealer that sold it and they will prorate the money back to you with no hassel. I would not recommend this service to anyone it is a scam buy the time you pay for it its over $2200.00 added to your loan then you have a $100.00 deductible and you have a big hassel trying too get approved for a warranty do not purchase this put away some money in the bank your better off
Do not use
Asset protection home office
Protective asset protection
14755 north outer forty drive, suite 400
St. Louis, mo 63017
Phone: [protected]

We had a total loss GAP claim on Dec 25, 2015 and they shorted the amount by nearly $500 and they refuse to explain or give documentation HOW they came up with the numbers. first they tried to say we were 2 months behind which was not true, then they said its an 'internal document' here we are 4.5 months later and the bank has it on our credit reports and I have all the documents sent to Protective and have contacted the bank and no one can tell me where they numbers come from. This place is a fraud, they had all the documents they needed and took months to get a payment out, I want them to pay the full amount of the claim as was given to them from the back with the payoff amount of $3, 697.87 submitted by our credit union on jan 13 2016.

On 12/18/2013 we purchased a 2008 Buick with 59, 9xx miles. At that time we purchased an extended service contract through the above company for $1998.00. The contract term was 36 mos/ 75, 000 miles. The dealer & we were under the impression that this warranty was for an additional 36 mos/ 75, 000 miles. WRONG! We WOULD NOT have spent $2000 on a warranty that only covered the vehicle for 15, 000 miles. The dealer is trying to work with us as they feel it wasn't properly explained to them by the rep from the company either.

My daughter purchased a car in 2009 of which I co-signed with her. She purchased a 2006 Nissan Sentra. On 4/2014 she had an accident that totaled the car. After insurance came through, she owed a balance of approx. $500.00. So, we turned to the GAP insurance and made a claim. 4 1/2 months later, after repeatedly sending them the same information every time, we now get an answer that "there will be no money from GAP - not a penny". This is exactly what GAP insurance is supposed to take care of. Is there a GAP Claims "BOARD" that I can send in a complaint too?
This is who was in charge of the claim:
Stacie Frye, Adjuster
GAP Claims
Asset Protection
gap.[protected]@protective.com

The products that Protective Asset Protection sell is a complete scam. I purchased a service contract for a vehicle that had 50, 000 miles on the clock and the motor went out. I had references from 5 Certified Ford expert mechanics who said the motor had failed internally. I had submitted this to Protective Asset Protection and they refused to put a new engine in my truck. They are only out to collect the money we all willingly give to them. This company is nothing but a scam when it comes down to the people who purchase their products need it. My problem comes to the sum of $8, 000 in a new engine that they refuse to replace.