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About American Guardian Warranty Services Inc. Reviews
American Guardian is an extended auto warranty company that offers warranties for cars, recreational vehicles, powersport vehicles, marine vehicles, and medium- and heavy-duty trucks and buses. All warranties from American Guardian are potentially transferable, and the company provides a 100% part replacement guarantee.
Pros & Cons
- Variety of plans
- RV and powersport vehicle plans
- Specialty coverages available
- Low customer ratings
- Doesn’t sell directly to consumers
American Guardian offers a wide range of coverage options for a variety of vehicles. However, it only sells through dealerships, so it’s hard to get a quote and make a smart purchase.
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Reviewed Jan. 12, 2021
PLEASE PEOPLE STAY AWAY FROM THIS COMPANY SCAM! If I could rate less I would. We bought this insurance in 2018 when we bought our 2015 Tiffin. We have had to use it 2 times. 1st on a air condition fan blade and motor being repaired. This company would only pay for a little over 200 dollars of a 550.00 dollars invoice. The last time we broke down in the middle of the country, motor home (43 ft) had to be towed. This company only paid 300 of a 900 dollar tow bill. The problem that happened was 3 freeze plugs came out of the head. American Guardian will only pay for 2134.40 of a 3525.42 bill. By the way the work was done at a certified Cummins dealer! Part of the problem they say they don't pay for reprogramming the ECM although the ECM is what told the motor to shut down. So I don't have to get in details. PLEASE PEOPLE STAY AWAY FROM THIS COMPANY. SCAM.
Reviewed Dec. 14, 2020
If you are buying a vehicle and they offer you GAP coverages from American Guardian Warranty Services RUN FOR YOUR LIFE!!!! Hands down the WORST company I've ever dealt with. When my new car needed a repair, they DENIED my claim and then when I got into an accident and the car was paid off by my insurance company, they stated that Progressive did not give them enough money and denied to cover the rest. I paid $900 for this GAP coverage only to get denied twice and have them NOT pay for the "GAP". The customer service reps are rude as hell, and they use this INACCURATE pricing website called ** to OVERVALUE my car so that they have a reason not to pay the remaining $1700.00 on my vehicle.
They told me it "wasn't their problem" and that I would need to call Progressive to give them more money. Then I requested they email me a letter.... It took 4 calls and a month to get a denial letter. Before I purchased their GAP coverage, I read the reviews and they were HORRIBLE and I still purchased their plans. Biggest mistake ever! I am warning you to NOT make my same mistake and use this company. I've learned that most online reviews are pretty accurate and I am sure you have read a lot of unsatisfied reviews in addition to mine.
Save your money and pay out of pocket or find another GAP company. This company is just SHADY as hell. You probably have scrolled down and seen a bunch of 1 star reviews. I bet you the 5 star reviews are all FAKE. Take my word for it and PLEASE DO NOT USE THIS COMPANY. Before you go to a car dealership, ask them what company they use for an extended warranty and GAP coverage. If they state it is American Guardian Warranty Services, then ask them if they have another company and if not, FIND ANOTHER CAR DEALERSHIP. Trust me, the reviews you see are ACCURATE.
Reviewed Aug. 13, 2020
This company does not pay diagnostic fees, though you the customer are required to have the diagnosis done to diagnose the problem(s) needing repair. This company denies coverage for manufacturer defects when non-related maintenance [like an oil change at the suggested number of hours] isn't done - though no proof exists that the manufacturer defect can be directly related to routine maintenance. The bottom line is that this company provides policies that apparently they do not fully honor, and we found out too late it's a waste of money and they are NOT consumer-friendly. It is not recommended to purchase a policy with this company for any reason.
Reviewed Aug. 7, 2020
Do not go here. Why:
•NO NEW PARTS OFFERED IN REPLACEMENT. Only want to replace transmission with a junkyard part. LITERALLY.
•Somehow justified not paying ANY LABOR COSTS. Also, their limit is a pathetic $100 per hour and you'll be hard pressed to find a legitimate shop that had that low a rate. YOU WILL PAY FOR LABOR ONE WAY OR ANOTHER.
•They send out an inspector and take their sweet time so YOU WILL BE CAR-LESS FOR DAYS. WEEKS FOR ME PERSONALLY.
Scam scam scam. Don't end up like me, go somewhere else.
Reviewed Feb. 25, 2020
The engine in my Hyundai Tucson needed replaced. After 4 WEEKS of them arguing with a Hyundai service garage, they finally approved the repair. ...But, they would only approve the repair based on aftermarket prices, knowing that a Hyundai repair shop is not going to order aftermarket parts when the entire engine needs replaced. In the end, I was forced to pay ALMOST $2,000 out of pocket (and my plan had no deductible). Stay away from this garbage.
Reviewed Dec. 5, 2019
I bought a newer truck and got the extended warrantee for the truck. They covered the turbo with me paying a portion of it. Then they got a rebuilt turbo. Which nobody that gives a damn about their reputation. But they found someone back east that rebuilt them and two months later it is worse than the one they replaced the first time and now the company they bought it from won't stand by their crap. The warrantee company said they aren't responsible for the crap they put in my truck. So now it's going to cost me thousands to fix their mess.
Reviewed Nov. 21, 2019
They will never pay any claims no matter what level contract Agreement that you purchase. Please stay away. No matter what part it is ... it will not be covered. My dealer service department explained to them why it should be covered. They are disrespectful thieves.
Reviewed May 28, 2019
I was new to RV and decided to buy. What a costly mistake!!! I have a generator issue with the carburetor and my claim has been denied with a cause that does not make sense. We maintain and take good care of our RV but it is ludicrous the expectations. Save your money for when you need it.
Reviewed May 13, 2019
Do not expect your total loss payment to cover your total loss. Interest accruing after payment sent to wrong address for finance company. It will be your responsibility despite paying your premiums and after insurance payment. TOTALLY BAD CUSTOMER SERVICE even MANAGER NOT HELPFUL!!!
Reviewed April 2, 2019
We experienced a power converter failure in our motorhome whilst traveling and had to get emergency repairs in order to continue our journey. This all happened over a weekend so it was not possible to get prior approval from AGWS. I wrote them a letter explaining this and also sent them a copy of the invoice for the repair/replacement. Since then I have had nothing but trouble getting reimbursed. Firstly they rejected the invoice because the model number, year and mileage was not shown, so I hand wrote those details on the original invoice, signed it and sent it back.
Then they rejected it a second time, saying I had to include the VIN number, so I added the vin number and sent it back a second time. Now today I have received a letter from them (almost 3 weeks later) asking for exactly the same information again! Needless to say I rang their Customer Service Dept and was told that the invoice was not legible because it had been handwritten, and they totally denied receiving a second copy with the VIN number clearly printed on it.
I have now had to go back to the RV repair shop owner and ask him to completely re issue the invoice complete with full details of the failure, part numbers, labor costs etc etc. This company does not want to part with its money, and treats its customers with disdain. We paid a considerable amount of money for this "Platinum Coverage" and I am now regretting ever having anything to do with these people. If a dealer tries to sell you this package when you buy a new vehicle/RV, tell 'em you want to go elsewhere.
Reviewed Oct. 19, 2018
Purchased the best extended warranty from Finance Manager when purchasing my car. Thinking I have peace of mind, I thought wrong. Compressor and some other AC related issues came to 3000. Warranty will not cover OEM parts or the cost of labor because they think they are getting ripped off on price. Are you serious? They will only cover list price of after market parts and a labor cost they agree to. I am always paranoid that something like this might happen and I don't remember every fine detail of the Contract I signed 4 years ago which is why I called before I went to get repairs done and they said I could take it anywhere I wanted. THEY DID NOT TELL ME TO SHOP AROUND AND CHOOSE THE CHEAPEST MECHANIC I COULD FIND. If you are ever offered insurance by AGWS or compass don't do it.
Reviewed Dec. 26, 2017
Here is the issue. When filing for warranty coverage regardless of what it is. This warranty company will tell you they can get their parts cheaper than the dealership or your local shop. Then you have a problem. If you can wait to have the parts shipped to your repair shop then you may be OK. However if you can’t wait and need your car this warranty company will charge you an extremely high cost for the parts. This happens all the time and it is very frustrating to have to make that decision. Mine’s about to run out after 36k and several hundreds of dollars worth of parts that I had to pay extra for. I also wanted to drop the coverage somewhere in the middle and was told you have to do that at the dealer where you bought the car and that is a ** in itself… Merry Christmas.
Reviewed Dec. 22, 2017
I purchased my plan for a 2014 VW CC on which manufacturer warranty just expired. I was hopeful as the American Guardian agent was very knowledgeable about potential cost of repair of German cars. I ended up purchasing a 5 year bumper to bumper option, pre-paid as I was promised that once I sell the car I'll get refund for months which I didn't use.
That's where the problems started arising. Apparently, Guardian is just the operator and they outsource their finance to another broker. This means it was an absolute nightmare to cancel the contract (written notice with infinite amount of details). What's the most important - it's been over 4 months and I still haven't received the check for the money they owe me. I contacted them numerous times and always hear the same story - "the check is on its way". DO NOT BUY WARRANTY from them! They are thieves and purposefully make the sign-up process super easy while the cancellation process super difficult so that people give up eventually.
Reviewed Aug. 4, 2017
I have a recreational vehicle that I purchased extended warranty coverage because the finance person sold me the policy. In the wording there so many exceptions that hardly any items will be covered. I had a refrigerator that the rollers broke and the fridge fell backwards and damaged the wood trim. The cause and effect was that the fridge caused the wood trim be damaged and the American Guardian refused coverage. The second claim is that my air conditioner unit failed and my septic broke and because of both the unit had to be taken to the shop.
I spent a total of 14 nights in a hotel because of both incidents and today the customer service person stated that because it was repair was not 100 miles away from my location that the claim would be denied. These are examples of companies selling you a policy only to find out the small print reveals all of the limitations. Yet if I had taken the time and read the policy and had taken exceptions to the terms and conditions I would not have been sold a policy.
Reviewed July 13, 2017
I was sent a letter offering me an extended warranty. I had purchased an expensive car and wanted to make sure that if anything went wrong I would be covered. I called and set everything up and was ensured I could cancel the policy at any time and if I never used it. So I thought great! I never received my agreement and never knew anything about this place until I found the original letter and called them up. So no I couldn't cancel at any time. It had to be within 45 day I was told. If I never received the paperwork so how would I know right? Aside from this the customer service representative, Dominique, was extremely rude and was demanding why I wanted a refund.
If I pay for something it is none of your damn business why I want my money back. I hung up on her and called for the manager, he was nice and assured me he would send over my policy, which I received. He also told me to email him whenever I had a question since emails are convenient for me than calling since I live in a different time zone. Well let me tell you 3 emails and nothing. At this point I will no longer bother with this company and take it as a lessoned learned. I will never recommend this company to anyone and people stay far away! Learn from my mistake!
Reviewed June 19, 2017
This company, American Guardian Warranty Services has twice now sent letters to our home to our minor trying tell him his warranty is up and that he needs to renew it for a 2011 Chevy Tahoe. Our son is 13 years old and doesn't have a vehicle and doesn't drive. I called them up and reamed them and told them to take his name off their mailing list. The young guy that I got to speak to, didn't waste any time and took the pleasure of asking me if my wife or I had any needs to extend our warranties on our vehicles. Are you kidding me? Stay far away from this company. They are sleaze balls and are up to no good at all. I plan to report them to the BBB and possibly to the authorities...
Reviewed March 9, 2017
I was coerced into agreeing to extending my 4 year warranty over the phone with the urgency from the manager to say I had to buy today otherwise the offer would expire, she promised I could cancel and get a full refund if I changed my mind. Once I received the paperwork with the full breakdown of the warranty I called to cancel as it was not what was promised on the phone. That was in early Jan. This is now March 9th, three calls to the same person "Bernie" and still no refund and no explanation as to why we have not received a credit. All he could say was he would process the claim and that was all he could do!!! They are holding my $499 hostage, need to wait for another 7-10 days to check in again! Unacceptable.
Reviewed March 2, 2017
I purchased a new RV in Arizona and bought a service contract from AGWS Inc for several thousand dollars. I had slideout problems and could not take the RV to a dealership. I called a certified mobile RV service to come out and diagnose the repairs. The repair man called American Guardian start the claim and while going over the repair order, they refused the service call charge because they said I didn't select the option? Keep in mind that I purchased the Platinum policy and paid top dollar, and it doesn't include service calls? So then the price of the part needed was given to them, and was the suggested retail price from the distributor, and they refused it and said they found it "online" from some bogus place that didn't even warranty the part.
They also refused the labor time requested and said they had "their own labor manual" that they go by! When the mechanic asked them if they had ever seen how long it took to perform this type of repair, "Rocky" their adjuster said, "We went to a training seminar on slide outs". BS! I was ripped off by this warranty company and people need to spread the word that they are not legitimate and will not do what they claim in their brochure. I am going to cancel my policy and pay for the repairs out of pocket and get my money back on the refund, unless they rip me off on that too.
Reviewed Feb. 27, 2017
I was sent a letter from this company, which concerned me. Upon reading the letter sent, I called the number to verify exactly what the letter meant. All it was, was an offer for an extended warranty on my vehicle. After speaking with one young man who gave me some information in case it was something I was interested in, he offered to transfer me to someone who could give me a breakdown of the pricing, and see if I was interested in one that was offered.
After transferring me, instead of offering a package, the young man assumed I was going to purchase one and immediately began asking what type of card I would be using and my card number. Is this a huge issue? Of course not. BUT, I work for a car dealership, and I have NEVER just assumed that one of my customers were making a payment because they called. I've never ASSUMED anything. Very unprofessional.
Please make sure next time someone speaks with a customer, they ASK if it's something they're interested in. I immediately hung up the phone once he started asking those questions, because I felt as though it was a scam. Seeing all the reviews, I see that it is not. But still very uneasy when someone goes right into asking about your bank account and card. Please address this issue. Furthermore, I will not being doing business with you guys. Good luck to anyone who does!
Reviewed Jan. 6, 2017
I purchased the Silver package from AGWS in 2016. While driving my car in 2017 heard a noise, had taken car to Volvo dealership for an inspection. I was told that my wheel bearing had gone bad, contacted AGWS for repairs but was denied. AGWS claimed that I had only been in the warranty for 22 days was reason they used to deny my claim. I reminded them I had been in warranty for 52 days past the 30 stipulation for pre-existing conditions... Despite the truth staring AGWS in the face they "lied" to me and never honored the agreement.
After multiple phone calls made to management none of which was returned, I concluded that AGWS is in the business of selling bad paper with no intent of living up to their agreement. I'm in the process of seeking a refund which has turned into a three ring circus as well, AGWS not wanting to give refunds. Unless you like headaches and bad treatment as a paying customer stay away for these snake oil salesmen and charlatans.
Reviewed Jan. 5, 2017
My husband and I purchased an extended warranty when we bought our 2015 Fifth Wheel. We paid $2866 and when it came time to replace a large item (refrigerator cooling unit) they were terrible to work with. The RV dealer that sold us the warranty also has service. Our camper spent months being in for service so the warranty company could "observe failure" of the refrigerator. The service department observed the refrigerator temperature going up to 49 degrees on multiple occasions. The warranty company said that they would not take the word of the service department and had to see the failure for themselves. Unfortunately, they would come to look at the camper at least 24 hours after the work order was put in and the refrigerator was back down to 35 degrees by their staff arrived. This warranty company does not even trust the companies they contract with!
I also sent three pictures with the thermometer reading 49, 51 and 52 degrees. The customer service staff were rude and did not change their script from "we need to observe failure". I offered to bring the camper to them, wherever they are located and they refused. I am asking for money back at this point because it is clear that they are not providing the service I paid for. I have no reason to make up that the refrigerator is not working, I just wanted the camper to work the way it was supposed to - that includes a refrigerator that keeps my food cold. I had to throw out groceries and cancel reservations/trips (paying a cancellation fee) because the refrigerator didn't work. I will never purchase a warranty from this company again and would advise others to think twice before wasting their money. Up to this point, six months after the first service, this warranty company still refuses to do the right thing.
Reviewed Sept. 1, 2016
I purchased a used car from a reputable dealer in Washington state and thought since it was a fairly new car that I would purchase an extended warranty from AGWS called the Compass Protection Plan. I purchased the highest caliber paying over $2000 extra just in case something went wrong in the first year or so of ownership. Well lo and behold after a few months the sunroof ended up getting stuck in the open position. I contacted the warranty company as directed but they decided that this was going to considered an "adjustment" not a repair and therefore would not be covered. Considering I live in Washington I obviously could not leave the sunroof stuck open. I took it to a local mechanic where they found that a screw from the mechanism had gotten loose and jammed in the track preventing the sunroof from closing. The mechanic called the warrant company directly to explain the situation to no avail.
I then contacted the dealer who stated that one of their warranty reps would call the warranty company. Long story short the warranty company agreed to pay for half of the repair. Now, six weeks later, still no payment to the repair place and no help from the customer service reps with the warranty company. In fact, in all the CSR I've dealt with AGWS have been downright rude. If I had to do it over again I would never purchase ANY warranty from this company. They say that their warranty covers things but when you go to start a claim they word it in a way where they don't have to pay a dime. It's not even bait and switch but plain thievery. Someone needs to investigate this company and their dealings.
Reviewed Aug. 15, 2016
I bought the $1500 Platinum plan from Bill Kay Pontiac and Jeep in Downers Grove, IL. I was given a brochure that states everything is covered with this plan except normal wear and tear. Just had to service my Patriot for a faulty throttle body and lower control arms. The warranty company offered to pay only a portion of the control arms because they "found parts cheaper online" and deny the throttle body altogether because they determined it could be cleaned. Meanwhile the repair specialist at Anderson Dodge Chrysler Jeep Ram, told them it could not be cleaned, it was electronic. I will never buy another warranty from this malicious and outright lying company. They said they don't honor anything on the brochure and on page 12 in fine print it says it's not covered. It just reminds me of Willy Wonka. This company is a sham and should be closed.
Reviewed July 12, 2016
Horrible service for roadside and tire replacement. We had a blow out on our 5th wheel camper while traveling to Nebraska. I called the customer service line and was advised that they had no record of a policy for me. I gave them the policy number, my name, my phone number and nothing. I called our RV dealer and he was able to look up our policy with no problem. Called the customer service line again to no avail. I got frustrated and called the roadside from our insurance company so I could get my family off the highway sooner rather than later.
I called customer service back and asked how to make a claim when I got somewhere to get a new tire. We were vacationing in a small town in Nebraska with only 1 tire shop. They did not want to deal with a warranty company and advised that I would have to take it up with the warranty company later. I called the warranty company and advised them that the tire shop did not want to deal with them. They stated I would have to file the claim when I got home, that I would need pictures of the tire, an invoice and a receipt.
On our way home we had the treads completely separate from another tire. This one did not blow out thank goodness. I called the warranty company again and again they could not find record of us having a policy. Again I did not bother arguing with them as a good samaritan stopped to help us out. Upon returning home I called the warranty company to get the form I needed to file the claim. They advised me that I needed to send pictures, the receipt and the invoice from the tire shop via USPS. I asked why I couldn't email them in and they stated that because I did not have pre authorization for the replacement, I had to mail it in. Seriously, in today's world of technology I had to send this in by snail mail. I sent everything as requested.
I took the other tire into our local dealer who was willing to work with the warranty company for this replacement. He talked to them then told me he had to take a few pictures and fill out a form to EMAIL back to them. It took several days for the warranty company to finally decide that they would cover a portion of the replacement. I followed up with the warranty company about a week after I sent the first claim in and was advised that they were denying my claim because it was not preauthorized. I asked what I was suppose to do since the tire shop would not talk to them and they stated I should have gone to another shop, which was over 50 miles away. Needless to say I am in the process of cancelling this policy. Then again, they will probably deny my cancellation because they won't be able to find me in their system.
Reviewed July 6, 2016
We purchased an RV from La Mesa RV in Sanford, FL in April 2015. At that time, we also were sold a 3 year "platinum" extended warranty from American Guardian Warranty Services for well over $7692.50! We have tried to place small claims 7 times for a total of $1993, and every time our claim has been denied completely. We are now filing our 8th claim; this time it will be paid, but at a significantly reduced reimbursement. The claim that the labor hours are too many for the work; they have completely disregarded the repair shop's (the Western Region Service Center for Cummins) estimate for labor and will only reimburse the hours they think it should take, based on THEIR estimate.
We called Freightliner to see what they it should take, and they said it completely depends on the access in each RV and could take that long or longer. AGW has completely disregarded the input from the repair shop which had just done a similar job; our job requires the complete removal of the radiator and other parts just to get to the part to be replaced; a very labor intensive repair. So, we get a less than satisfactory result again! This time we are only reimbursed for $2960 on a $3996 invoice or only 74% of the actual bill! We are out over $1000 in addition to the $1993 previously denied. This warranty is a SCAM. They do NOT pay out legitimate claims and find every means to reduce or deny legitimate reimbursement or payment. LA Mesa said it was an excellent extended warranty and sold it to us with false claims. I bet they get a hefty commission for each sale!
Reviewed Dec. 18, 2015
I received a notice from this company that my extended factory policy had expired. Upon calling, they indicated to continue coverage would be $4,000.00. They had a long list of items that could fail on my vehicle. I agreed to the policy with the understanding that I could cancel in 30 days. I called back a week later to cancel and was put through a very "hard sell" process with two different people. I finally stopped answering their questions and simply stated each time "I want to cancel my policy". As a closing remark, the agent said "well since you are independently wealthy and can cover your car repair, I will cancel your policy". I am glad not to be associated with this company.
Reviewed Oct. 30, 2015
Received the separate unsolicited mailings from this company over the last 6 months trying to sell me a warranty on my vehicle. Each time I called to get my name and address removed from their list. They ignore all requests even though they said they would. I received another one on 10/29, called on 10/30 was told they would remove me but I should just ignore them and toss it in the trash. These companies are scams and harassers.
Reviewed Oct. 15, 2015
Terrible service with a road hazard tire warranty claim. I called to file a claim regarding a road hazard that cut the sidewall on a tire. I was advised to have the repair shop call. I had the repair shop call and then they wanted pictures. They never did provide an email address for pictures to be sent. They stated "fax them." Well in today's world not many people even have fax machines with computers and scanners. Still didn't even have an adjustor or a claim number. Every time you talk to them you get a different answer. Finally got a claim number. In the meantime I told shop to proceed with new tire regardless of what they were going to do.
Finally got it fixed, sent them the paid receipt and copy of check. They then stated that it wasn't enough proof that the bill had been paid and directed me to go to the bank and get a copy of the check--both front and back. Nothing like basically being called a liar!!! It is now over a month later and I am now waiting to see what next excuse is. Have seen these type of scams before. Make it so difficult people just say "screw it and drop it." Can you imagine trying to do all this if I was on the road some place? Luckily I was home. I guess if I had paid cash they wouldn't have did anything since a paid work order from the shop isn't enough. I intend on filing a complaint with the Illinois Attorney General's Office as well.
Reviewed Oct. 6, 2015
The absolute absurdity of this company. I purchased an '07 Hino box truck with a full warranty (knowing the truck would need it). I've driven this truck 4 months out of the entire year due to unwarranted repairs. Now the turbo goes out. I'm sorry, a $200 chip inside the turbo goes out, and this company won't cover the piece. They claim to cover the turbo itself, (as the warranty states) but not the chip on the inside of the turbo. I am being forced to pay $5000 for a turbo, so that they can get the $200 chip replaced. When contacting the company, they completely talked me into circles to avoid the fact that my paperwork says "turbo and components". I'm at a complete loss of words over this. My warranty is soon up and I will never have one through this company again. Complete robbery!!!
Reviewed Aug. 24, 2015
They'll be happy to sell you a plan, but best of luck getting anything more than 10 cents out of these bastards. I work at a dealership and attempted to get a fully-justified repair done on an elderly gentleman's vehicle. We diagnosed a fault in both of the Blind Spot Sensor Modules. They claimed "corrosion" on a plastic part and denied the claim. Be warned, the "Not Covered" provision is vague enough to cover anything.
American Guardian Warranty Services Inc. Company Information
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- American Guardian Warranty Services, Inc
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