American Guardian Warranty Services Inc. Reviews

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.

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.

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.

Do not go here. Why:

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.

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.

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.

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.

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!!!

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.

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.

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.

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.

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 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.

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...

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.

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.

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.

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.

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 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 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.

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.

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.

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.

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.

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.

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!!!

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.