Assurant Vehicle Service Contracts Reviews

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.

I’ve had Assurant for 3.5 years now and every claim is the same. They pay bare minimum and their estimates for shop time is usually 2-3x less than what real world shops can do and their estimates for parts are unrealistic. In my latest claim, they said it should take just over an hour to replace an AC condenser in my 2018 Silverado. My shop is saying 3 hours and ChatGPT says it’s usually 2.5-5 hours. They use made up numbers to scam people and not pay what they said they would pay for. Save your money and get a warranty directly from the manufacturer.

Updated on 05/02/2026: Contacted me to say they are reviewing the claim. I Haven't Heard a Peep from them. Now I find out that my cell phone insurance is with Assurant also. I had to make a claim as the phone is broken. They approved the claim and sent out a Google Pixel. I don't want a Pixel or I would have bought a Pixel. Called customer service and was told the Pixel is all they have in the warehouse. Why do I think that is BS. They are trying to replace a Mercedes with a KIA. Same shit different product. Do not use Assurant for anything.

I would rate it zero. I bought this policy in 2019 in Illinois when I bought my Honda Pilot. Never used it and when I moved from Illinois to Florida my Honda airbags went out in the passenger sensor just this year in 2026. Mind you I paid over $2509 for this policy and never did a claim until now 7 years later. And it was for only $1076. They refused it because I did not get prior approval. On top of that the Honda dealer in Fort Myers never looked it up either. So I submitted as a reimbursement and Assurant denied it.

All I can say is this company stands behind their word and goes the extra mile to satisfy its customers. I would never hesitate buying a warranty from them with my next vehicle purchase. Thank you for listening and reviewing my request!

Absolutely disgusting service. I brought my luxury sports car into the dealership for repairs knowing I would have to pay my deductible. I've done every single maintenance schedule on my vehicle at the dealer. Then the dealership calls me and tells me Assurant is refusing to pay full price or full hours for the work. They are also denying any coverage on an oil leak because it's not "BAD ENOUGH" yet. I'm left with thousands of dollars to pay out of pocket past my deductible because Assurant disagrees with the manufacturer on what it costs to repair. Took 4 days to get no-where and then when I call, I get the run-around on why they are denying things. Dealership gave me a full breakdown of costs, Assurant is literally nickel and diming repairs on a $100k vehicle. Not trustworthy, not honest, not worth it.

Been over six weeks since a completed repair covered by the service contract and I still, STILL Don't have my reimbursement for the rental.

If I could give no stars I would. I have been in the automotive industry since 2003. Never once have I experienced such awful service from Assurant. Most of my previous interactions with them have been positive, apparently though they have changed the way they do business so you basically have to hold the customer hostage until they pay for a $200 tire while their customer just paid $1300 for a 3-4-1 or tire & wheel product that isn't worth the paper it's printed on anymore. Mind you I sold this policy for 4 years and while doing finance at a Chrysler store it WAS a quality product. Long story short they rejected the customers claim because I replaced his tire and let him leave prior to final approval. This has never been an issue in the past.

Assurant is a complete ripoff and is the most professional company you’ll ever meet at denying claims…. On one claim I’ve spoken to about 14 different reps given all the documentation and I continue to call and they still haven’t paid the claim and every time I call it it’s like making a new claim and nothing has ever done and nothing is ever resolved, and no claims are ever paid.… I’ve been trying to make this claim for three months so if you’ve got no job and all day to call these people and play games this is the company for you.. I think the representatives on the phone are in foreign countries and they just play the game denying claims all day. Do yourself a favor and don’t get involved with this absolute fraudulent company.

Updated on 04/07/2026: Adding a star as I appreciate Assurant at least following up on the concern. At this point, Assurant says the dealership is being unreasonable with the amount of hours for the repair based on their metrics and of course the dealership states Assurant is being unreasonable with the amount of hours approved, thus leaving me, the consumer having to pay thousands for a "covered" repair. The dealership is sending "more" supporting documentation to Assurant so I'm hopeful. I'm now on week 3 without a vehicle.

I had a very disappointing experience with this repair shop and would not recommend them. I brought my vehicle in on March 9, 2026, for a repair covered under my warranty and paid my deductible, expecting the issue to be properly resolved. From the start, there were delays and poor communication. I was repeatedly told the car would be ready on certain days, but it was not, and I had to constantly follow up myself just to get updates.

Assurant has been awful. Ford has had my explorer for 2 weeks. For a new transmission and cv boot and axle. Finally assurant agreed to pay some of the transmission. They want me to pay $1000 for part of the labor and admin fees. And I have a $100 deductible. They also want to put in an aftermarket transmission (which they sent an inspector out to make sure it needed the transmission and there weren't any aftermarket parts on it that I had done outside of ford. Which I haven't. But they want to put aftermarket in) and they don't want to cover the cv boot and axle. I've been told on a comprehensive front to back warranty they should be covering it all. Except the deductible. This is my first claim ever and I bought the Explorer brand new (cash). I am a fully disabled mom of 3 on a fixed income. No savings, etc. As I just had 2 brain surgeries for a massive tumor. I'm tapped out and I NEED my truck. Assurant I need your help. Please.

They always answer my calls and were able to cover my car batteries. The customer service was excellent, and they worked well with the dealership who fixed my car. I'm glad that Enterprise uses them.

Unfortunately, I bought a used car, the engine blew in 4 months. I purchased the Silver contract during financing. I’m happy I did! I had multiple tows at no cost, and only paid my deductible for a new engine. The turnaround was fairly quick so I chose not to get a rental. The App was easy to use and the Reps were polite when I needed to call with questions. During a stressful time, I’m thankful for no hassles, disputes, and no hoops to jump through. I have no regrets purchasing Assurant car warranty and it’s well worth the cost.

If you're thinking about buying an Assurant backed EW look elsewhere. I have been trying to get my water pump replaced under my comprehensive warranty which specifically says the water pump is covered. Assurant keeps denying my claim without talking to my mechanic or myself. I have even called the original dealership I purchased the car and EW contract from and they have been getting stiffed by Assurant at every step. I have called into Assurant multiple times being told different things each time and that this is out of their hands but when I call the dealership they're being told by Assurant that it's out of the original dealership's hands as well. I escalated to a customer support manager who was rude and condescending. I purchased this coverage and Assurant is hell bent on giving everyone the run around to make the process as difficult as possible.

PCM needed to be replaced. My deductible did not have to be paid until the end. Dealership and max are communicated between each other and kept me informed. As simple as dropping the truck off, paid when picking it up. Easiest claim I have ever experienced. A lot better experience from both dealership and max are than I had anticipated. I have used other warranty companies and the experience was a nightmare, this was smooth and easy.

I also purchased AutoNation Acura North Orlando's recommended warranty at the time of sale of my car, specifically to protect against major repairs. A claim was submitted, and while claims are advertised as taking 1–2 days to review, mine has now been under review for 28 days. No one can provide an explanation, and I have been unable to speak directly with the claims review department.

WORST SERVICE EVER!!! Choose another provider! 2 weeks of straight runaround and my car is still at the dealer waiting on the inspector to send his report! 2 WEEKS! That is after the inspection it is 2 weeks without a report! Spare yourselves and go a different route!!! Total scam!!!

Excellent, I highly recommend to all my family and friends. I’m very happy and satisfied with the process and the quickly response. I had to send my truck to the dealer a few times and always have an excellent satisfaction with Assurant. If I have to buy another car warranty for sure I’m going to buy Assurant car warranty again.

The service was deplorable. Assurant stated that they wouldn't cover it because of natural environmental issues. My pcm went out. The wires had to be replaced because they burnt out. Assurant stated it's because an animal chewed it. The communication is also piss poor. They sent an email to my mechanic only and kept saying send pictures. They sent them, but Assurant kept saying now the mechanic has to call back once they send pictures. I said the email they received doesn't state that. So they denied my claim, saying the pcm won't be covered because they stated an animal chewed the wires. Even though clearly the wires burnt out. Shameful rip-off company!

Assurant has a smooth claims process for auto repair issues. I'm very happy with the coverage (platinum plus) and the pre paid maintenance is also a huge saver. Without Assurant I don't know what I would do. I do wish it was a longer rental time for longer repair jobs but considering the alternative it’s still a major win!🥇 They have a massive network which is good because I recently relocated. Thank you!!

I am extremely dissatisfied with the handling of my Toyota Highlander repair reimbursement claim. Following the submission of all required documents, I was informed that processing would take a month. It has now been over a month, and despite multiple calls and assurances that the delay was due to the holidays, I have been given conflicting information regarding the expected completion date. Most recently, I was told to wait until the end of the month, which is unacceptable. The constant changes in explanation and deadline are unprofessional and seem to be a tactic to delay payment. Feels like they trying to scam us.

I bought a 0 deductible warranty for my 2020 Subaru Wrx in 2023. In August of 2025 (68k miles) my engine blew. I contacted Assurant and towed my car to a mechanic that assurant said they would work with. Fast forward to today, January 12th 2026 and my car is STILL sitting at the mechanic's shop based on Assurant's inconsistent and wildly unprofessional communications. I spoke ON A RECORDED LINE with a representative that told me the mechanic wanted “$37,000 worth of repairs” just to find out from the mechanic that was never said. I called assurant to ask about communication between the two companies and was told the only way to obtain that is to seek legal action. When I went back to the mechanic they told me that assurant was only going to authorize a portion of the payment and that I would be left to cover the rest out of pocket. I am now in the process of finding the right attorney to handle this.

I had an incredible experience with Assurant, from talking to their representatives to their network of repair shops. I got my 2021 Genesis G80 repaired rather quickly once I found the right shop. They covered all expenses, with me only having to pay the deductible, as described in the contract. I definitely recommend their services and truly appreciate their quality of work and customer care.

Purchased Assurant's Platinum Car Care Extended Warranty with a $100.00 deductible if repaired at an Auto Nation Service / Repair facility, $200.00 deductible if not. My turbocharger failed and needs to be replaced. After multiple calls to Assurant and at least 4 repair/service departments, I was unable to find a single repair facility that would honor the dollar amount allowed by Assurant. Of the 4 repair quotes I found, all were within $100 - $200 of each other. Assurant would not cover the repair in entirety, leaving me to pay $500.00. In addition to my deductible, I couldn't find a single repair facility nor could Assurant that would accept the amount allowed to make me whole. If Assurant was going to cover 85% of the repair under my extended warranty agreement, that should advertise it that way. EXTREMELY FRUSTRATING!

Assurant has been an easy company to work with. I recently experienced an automatic transmission failure and the claim was paid in its entirety. In fact, every prior claim has been covered without hesitation and expeditiously. I have been hesitant about extended warranty programs, but this experience has changed my mind, and I will buy warranty coverage from Assurant with my next automobile.

I do not recommend this company. Their customer service is very poor, the vehicle inspection takes a long time, and they do not help with a rental car while the claim is being approved. I had to wait more than 12 days for the inspector to come and see my car, and they did not provide me with a rental car. I would not buy this warranty again; it is not worth it.

Received courteous service quickly. Service attendant was very busy, and got the job done. Happy with the repair to my windshield. I have been using North Side Toyota for over a decade and can highly recommend the company. The staff is efficient and tries hard to get the job done properly.

The approval for repair was surprisingly really quick. The exclusionary policy is the way to go. It covers mostly all of the mechanical and electrical on the beagle. I’m glad I purchased the coverage. My cheap app only roughly 80,000 miles and my sensor went out and they paid for it. No issue, no problems.

I bought a truck over the summer and the transmission recently started dropping into 1st gear while driving. I figured it was an obvious easy claim to get approved but after a week at the repair shop I was told it was denied due to "service repair documents were written in pen." This car has been meticulously maintained its entire life. I also noticed there is a previous claim on my profile that I did not initiate. The truck had an issue after purchased and was repaired by dealer apparently on my warranty. I am currently working with a warranty assistance attorney (who will recoup fees) and will continue writing negative reviews on all platforms for the dealer and Assurant sites until the claim is reversed and coverage honored. Warranty #** - Ryan **