Assurant Vehicle Service Contracts Reviews

Repair company showed up, found the shower drain had completely come disconnected from the drain trap and all the water from our showers was flooding our camper underbelly. He made the repairs that day knowing I was working while vacationing and with my three children. I paid invoice out of my own pocket. We then submitted everything to the warranty company for reimbursement. In which they have denied 3 times. The next portion is the 3rd email we received after first denial and then us submitted an appeal. Everything they are requesting had already been submitted the previous two times. The request for reimbursement could not be completed because some key information was not included in your submission. Please check the following list of missing information and reply to this email with copies of your requested documents attached.

· The invoice provided is not legible. Please submit legible copies.

· SPECIAL INSTRUCTIONS - Typed word document is not acceptable, shop invoice required.

Once we receive the missing information, we can continue with the evaluation of your request. Please reply to this email message if you have any questions.

I submitted this information to them on 8/7/2026. I received a denial email today 8/18/2026 stating, "Dear Valued Customer,

As a reminder, you are required to obtain authorization prior to beginning any repairs covered by your service contract. Your claim for reimbursement has been reviewed and denied. If you have any questions or concerns regarding this decision, you may contact the customer service department at the number listed on your contract.

Claims Team."

Just more excuses not to have to reimburse us. This warranty is garbage. Don’t waste your money buying it.

I have had several extended warranties without ever submitting a claim, and go figure, the one time I need it, it's useless. Even worse, is speaking to the people within the warranty service group, who are suppose to be there to help, but are really trained to defuse instead of help the situation. The dealership provided the download and explained what the problem is, but that wasn't good enough. Just an excuse to deny a claim... Probably going legal, or at least cancel this garbage.

They send out a third party individual to inspect the car, who denies the claim. Assurant doesn't even notify me. I receive a call from the dealership saying that they were told the claim was denied; they were given a reason that is not in line with the contract I have signed with Assurant. I was given no reason, I had to call Assurant and ask for one. I've still received nothing in writing.

The detailed report from the dealership, which recommends "replacing the intake manifold and injector harness" ALSO notes, very clearly, that "noted intake bracket and bolt missing does NOT cause failure of intake manifold and harness." The reason given for why Assurant would not cover this part's failure is that the bracket was missing; this would have been how CarMax sold me the car six months prior; also, this is still covered under the contract as "failure" as it meets the definition of a part failing for reason that's not due to anything external (e.g., a crash, replacing it with aftermarket parts, etc.).

So basically, I would avoid them. They give you the runaround, and then look for any (unrelated) reason to deny your claim. It's how they make money - if they covered things they were supposed to, they'd not make as much money, clearly. So why not just deny things and make it as difficult as possible for your average person to appeal and navigate the system so that people just give up?

1. Severe Lowballing on Labor Hours. When my certified mechanic submitted the claim, Assurant consistently lowballed the approved labor hours required for the job. Rather than honoring standard Honda labor guides that dictate the actual time required to perform safe and proper repairs, Assurant arbitrarily slashed the allowed hours. Assurant uses Mitchel OnDemand, not Honda Labor estimates and approved only the very bottom of the allowed labor hours threshold. This left me facing substantial out-of-pocket expenses to cover the difference for work that should have been fully covered under the policy.

2. Poor and Unhelpful Customer Service. Trying to resolve the issue over the phone was an absolute headache. The customer service representatives were uninformed, scripted, and completely unhelpful. Whenever I asked for clarification on how they arrived at their reduced labor estimates, the representatives did not even know how labor hours were calculated or what matrix they were using to justify the pay cut to the shop.

3. No Appeal Process for Consumers. The most infuriating part of dealing with Assurant was learning that there is no formal appeal process available for the contract holder. When I requested to appeal the labor calculation or speak with a claims supervisor, customer service explicitly told me that consumers and contract purchasers have no avenue to contest claim determinations.

Final Verdict. Assurant Vehicle Care fails to deliver on its core promise. They squeeze repair shops on labor times, offer subpar customer support, and completely shut down any attempt by the paying customer to dispute or appeal unfair claim decisions. Recommendation: Save your money and avoid Assurant Vehicle Care extended warranties. Look elsewhere for a provider that honors Honda labor guidelines and respects consumer rights.

I also rented it the day before the approval not able to wait until it was approved. I called the number on my contact and got through to a live representative within less than 5 min. They were patient, kind, a driver's very helpful. Less than 15 min later they spoke to the dealership and had my rental time extended due to having to wait on the arrival of the part. They also got me approval for the full time I need it and worked with the rental company so I can stay in the same vehicle. So, what I thought would be so stressful was very smooth and easy. I am very thankful to have made the decision of the best, tip of the top warranty available. It's so worth the extra few dollars a mo. THANK YOU TO EVERYONE AT ASSURANT FOR ALL YOUR HARD WORK, YOU ARE APPRECIATED!

The mechanic contacted Assurant who requested that I send them my maintenance records and I did. The mechanic then contacted me days later and said Assurant requested additional documents and asked the mechanic why the oil change records were only done every 10,000 miles. Mechanic told Assurant that is the manufacturer's specification. The Assurant agent did not agree. I sent the requested additional documents and a week later heard back from the mechanic that it was denied. The mechanic said he had argued with Assurant over the issue and just told me next time don't do your own oil changes even though he said that wasn't the cause of the engine failure.

I contacted Assurant and talked to an Agent who looked up my information and said they asked for more documents. I told her I emailed them over a week ago and gave her my email address. She found them and said it appeared they were never reviewed and recommended that I submit an appeal because everything they asked for was there and told me how to appeal. I submitted an appeal and was denied for proof of oil change/lack of maintenance. I was never given any reason for the engine failure or any evidence that showed the oil was the reason for the engine failure. I can tell you that this catastrophic breakdown has ruined my life. I lost my job because I didn't have a vehicle. I lost the car to repossession and still owe $18,000 on it. I have been forced into economic ruins and I am now homeless. I will not give up. Assurant is a corporation that represents everything that is wrong with this country today.

On this particular vehicle, the front catalytic converter is directly attached to the turbo, so of course anything happening with the turbo is going to affect it. However, Assurant still would not cover it, even though it was, again according to the dealership, because of the turbo going out that the catalytic converter clogged in the first place. Again, I understand not covering a catalytic converter on its own (to a degree), but what good is a service contract that only covers part of a repair, leaving the most expensive part to the consumer? Not too happy with the level of service that Assurant offers right now..

Original Review: Assurant holds the contract for the CarMax MaxCare plan we purchased when we bought our vehicle from CarMax almost two years ago. I had purchased a vehicle through CarMax about 20 years ago, and also had a MaxCare plan at the time as well; everything was pretty smooth back then. Today, however, not so much. We took our vehicle to the dealership to be looked at, because when we've called CarMax previously about getting things looked at, we were told they aren't doing their own service anymore, and told us we'd need to take it to another service center, where, if we wanted to get the discount on our deductible, would need to be in the RepairPal network; the only closest RepairPal shop is about 20 miles further than we already had to take the vehicle, so we opted for the dealership.

Our vehicle has been experiencing issues related to the turbo lately, which has been causing the vehicle to lose power, misfire, make a loud whining noise, and at times the engine dies while idling. After dropping the vehicle off at the dealership, they inspected it, then filed the claim with Assurant for replacing the turbo and catalytic converter. After about a day of having the vehicle, we got a phone call from the dealership, stating that Assurant needed us to call them, because they needed service records to prove we've been taking care of the vehicle. While that's all good and well, I do the oil changes myself, as it saves time and money, and this is where things start going wrong.

I called Assurant, and I was initially told by the lady I spoke with that the claim is currently "under review," and that there is nothing more that they need. I explained that I was told that they did needed service records, and the lady again said that there are no notes in the claim about needing any documents, so I asked if she could verify it in some way, since the dealership said Assurant specifically asked for this documentation.

The lady then checked with Claims, who indeed stated that they needed documentation of oil changes, so I asked the woman what I needed to do about the oil changes I did myself. She assured me that all I needed to do was to provide receipts for any oil changes I had done at a shop, but for those that I did myself, I just needed to provide a log of service dates and mileages, along with receipts for the oil and filter. She then told me I could either provide them directly to the dealership handling the repair, or email them to their email address; I chose to email them directly to Assurant, thinking this would help expedite the claim, since we're down a vehicle, and we both work; that was VERY wrong, because Assurant will not contact you directly, and only contacts the shop handling the repair.

A day went by, so I contacted Assurant to see where the claim was at, and they told me that it they had received everything I emailed, and that the claim was "still under review," but usually doesn't take long to move past this. The next day, I checked the claim again, and it was still "under review." The following day I got another phone call from the dealership, who stated that Assurant had contacted them again, asking them to remove the valve cover and take pictures of the valves and send to them, to "verify that everything looks clean." I asked them why they needed that, and they said they weren't sure, but that they mentioned that we had missing service records. I asked the dealership to hold off on removing the valve cover, because if Assurant denies the claim, guess who gets to pay for that...

I called Assurant back and asked them why they're asking the dealership to remove the valve cover, and this lady told me that it was because I had missing service records. I asked the lady what service records were missing, because I had provided them records for all necessary oil changes for the time we'd owned the vehicle. She said that it was because of the oil changes I had done myself. I explained that the woman I spoke with initially told me that this would be fine, and that I just needed to provide my service log and include receipts for the oil and filter for each, which I did. The woman said "Yeah, sometimes that works, and sometimes it doesn't." What does that even mean? "SOMETIMES it works?!"

The woman then stated that they needed the dealership to remove the valve cover and take pictures, so that they can make sure it all looks clean. I explained that we're having issues with the turbo, which has already clogged up the catalytic converter, which means that the area they want pictures of may not look clean, simply because of the nature of the issue, so I asked it means if it's not clean. She told me that they would probably deny my claim. I said "Look, if you deny the claim, after asking the dealership to remove the valve cover, now I have to pay for that labor, so what is the likelihood that they will get the valve cover off, send the pictures, then deny the claim, whether it looks good or not?" She said "it's pretty unlikely." Again, "pretty unlikely?"

At this point, I'm pretty frustrated, because 1.) I don't just buy oil and filters, nor keep a literal Excel spreadsheet of service dates and mileage for the fun of it, so I'm obviously pretty annoyed at this point. I told this lady that Assurant will be paying for this service one way or another, because if they deny my claim, I will cancel the remainder of my contract, and they will then have to refund me the remainder. Mind you, we've had the car not quite two years, but we bought the best plan they offer, so we've still got over half off our contract, in both time and mileage, remaining. The woman said "I understand. We just need this to verify that the vehicle is being taken care of." I said "That's what you said about the service records, too, and again about 'just needing a log and receipts,' which was obviously not correct."

I asked what I needed to do at this point, and the woman said, just have them remove the valve cover, take pictures, then send them to us." Then she said "Make sure to tell the dealership that they MUST contact us once they submit the photos, because we will not contact them first." This is so stupid, and only used to delay paying out claims. After hanging up with Assurant, I called the dealership back to authorize them to remove the valve cover and take pictures for Assurant, letting them know that they MUST contact Assurant once they do so. The dealership said they would get on it. Fast forward to today, and it has been several days now since authorizing the dealership to remove the valve cover and send Assurant pictures, and the claim still said "under review." The dealership claims they sent the photos days ago, but that they have not heard anything from Assurant yet, and nor have I.

The horror stories you will see on the internet about Assurant are true; they WILL do everything they can to deny your claim, because they want your money, but do not want to have to actually pay for any repairs. I am going to contact Assurant again tomorrow (Monday), since they're closed on weekends, where I'm expecting them to either tell me that it's still under review, or just flat-out denied, because the valves are dirty. Of course, why wouldn't the valves be dirty, the turbo is acting up, and I would wager A LOT of money that they're going to use that to "prove" that we haven't keep up with the maintenance on our vehicle.

Assurant may be good for smaller things, like electronics, and other things you can do without for a little while, but this is our second vehicle, which we need because we both work. Of course, our contract does include rental reimbursement, but only $40 per day, and has a max reimbursement amount of $280, which gets eaten up by all of the additional rental fees, a max time of 7 days, plus it all has to be approved by Assurant prior to obtaining a rental, and you have to work through the repair shop to obtain one, and if the claim gets denied, we have to pay the cost of the rental, in addition to the removal and reinstall of the valve cover, AND the repairs for the actual problem.

This is one dastardly company. Should they actually come through and approve the repairs, I'll be astonished, but I will come back and update this review to note it. That said, I'm not holding my breath, because the dealership has had our vehicle for almost two weeks now, and we're no further along in this process than we were the day we dropped it off.

Original: Don't count on this company to do anything they say or claim they will do. Denied an obviously covered repair. They just lie, lie, lie. The employees should be ashamed to even take a check from this company. Lucky it only cost me $275 and then canceled. Terrible company that is in business just to take your money and not pay claims. THEY SUCK.

My insurance is up in November if I weren’t giving my car to my daughter who has two babies. I would ask for my money back for the rest of the policy and cancel. I can tell you this insurance company is making money off of people because they even sell this insurance policies in stores where you buy appliances small and large. DONT BUY!! You will not get anything back!!!! I am going to continue to plaster their name so no one else gets ripped off.

Original Review: April 15, 2026

Absolutely record every cal. They say one thing and deny later. Please protect yourself when dealing with this community.

I did everything else right on this claim, went into their portal, entered all pertinent info, supplied pictures of the vehicle and damaged tire. To which they stated the claim was sent back for more info. That info being the position of the tire on the car which was clearly visible in the picture and an invalid part number for the tire and stated they couldn't verify it with Tire Rack (an aftermarket reseller) not the manufacturer of the tire? Neither, question was valid. All they had to do to approve the claim was look at the picture provided and the manufacturer of the tire's website and both questions are answered. Instead they used these excuses to get out of paying a claim. This is a poor business model, I hope they continue to lose more customers.

Oh, and I forgot to mention it took 6 hours to finally get someone on the phone to help me log back in to their portal once they sent it back for more info and their site kept redirecting me to make a new password and then it wouldn't work immediately after changing it. It was absolute nonsense and a clear way to delay a claim until you give up, and the use the excuses detailed above to not pay.

Original Review: Dissatisfied. I purchased the MaxCare Warranty from CarMax and was informed that any approved repairs would cost me the $500 deductible only, even if it could only be repaired at a dealership. I've only had the car for 6 weeks and it overheated. None of the "preferred" shops could diagnose the vehicle (Porsche) when I called to ask so I had to have it towed to the dealership.

The dealership informed me that the maxcare warranty was actually administered by Assurant and although they received approval/authorization for the repairs, the difference between what Assurant will pay vs the actual cost of repair would be $4300 out of my pocket PLUS the $500 deductible. No other shop can do this repair. I've called carmax in hopes of their assistance but I've been terribly misled being told that covered/authorized repairs would simply cost my deductible as stated. A $5,000 repair out of pocket after paying thousands for the service contract for a covered repair is simply unacceptable.

The shop also failed to submit the claim to the warranty/insurance company in a timely manner, which caused additional delays and issues with my rental. More concerning is the quality of the work. The shop replaced both control arms without my authorization, even though only one was required. Despite doing this additional work, they failed to complete the full suspension repair and did not address worn bushings that are directly related to the issue. Immediately after picking up my vehicle, I noticed a knocking and clicking noise that was not present before. Instead of taking responsibility, I was told it could be sway bar links, even though the problem began only after their repair.

Overall, the work appears rushed, incomplete, and not done to a safe or professional standard. My vehicle is not in better condition than when I brought it in, and I am now dealing with additional issues that should have been handled the first time. I’m now trying to figure out my options.