Protective Asset Protection Reviews

Formerly AUL Corp.

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Edited by: Liz Bingler

About Protective Asset Protection

Protective Life Insurance Company, a subsidiary of Protective Life Corp., completed its acquisition of AUL Corp. in 2022. AUL Corp. is now a part of Protective Asset Protection, more commonly known as Protective, which is Protective Life Corp.’s auto warranty division. Protective offers vehicle service contracts (VSCs), guaranteed asset protection (GAP) coverage and ancillary coverage for cars, RVs, marine vehicles and powersport vehicles. Protective Asset Protection serves thousands of dealerships nationwide through a network of agents and a direct sales force.

Pros
  • Wide range of plan options
  • Coverage for new, used and leased cars
  • VSCs include roadside assistance and trip interruption coverage
Cons
  • No pricing on its website
  • Not available in New York

Helpful Reviews

Southgate, MI
Verified purchase
Don't trust this company. They wouldn't pay for a seized fuel injector on my Yukon. They always claim "pre-existing" or "carbon build-up." The staff was rude and combative with no...

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Danville, IA
Verified purchase
... I had quite a few issues with the transmission and was replaced by dealer I purchased from all expenses paid by AUL along with rear axle bearings and seals. Very cooperative a...

Read more

What is Protective Asset Protection?

Protective Asset Protection offers a wide range of auto warranty products, including vehicle service contracts, GAP protection and ancillary coverage. Its ancillary protection products include coverages such as key replacement, appearance protection and tire and wheel coverage.

Protective also offers VSCs, GAP coverage and ancillary products for RVs, marine vehicles and powersport vehicles. Protective auto plans are available in all states except New York.

Protective Asset Protection warranty coverage and plans

Protective offers a wide variety of coverage options to help you protect your vehicle.

Vehicle service contracts

Protective offers vehicle service contracts for new, used and leased cars. Some of its plans, like its Protective Vehicle Protection Plan, offer several coverage levels and include roadside assistance, trip interruption coverage, substitute transportation and a pet benefit, which covers transportation, boarding and a hotel for your pet. Contact your dealer for a full plan catalog.

VSCs for new cars
Protective’s VSC options for new cars are:
  • Protective Vehicle Protection Plan
  • CostGuard Vehicle Protection Plan
  • AssureGuard Auto
  • Powertrain Plus Vehicle Protection Plan
  • Essentials Vehicle Protection Plan
  • Vehicle Protection Plan
  • Absolute Lifetime Protection Plan
  • Reserve Care Plus
VSCs for used cars
Protective’s VSCs for used cars are similar to its plans for new cars. Its plans include:
  • Protective Vehicle Protection Plan
  • CostGuard Vehicle Protection Plan
  • Protective Auto Care Plan
  • Edge Service Contract
  • AssureGuard Auto
  • Powertrain Plus Vehicle Protection Plan
  • Essentials Vehicle Protection Plan
  • Vehicle Protection Plan
  • Pre-owned Vehicle Coverage Protection Plan
  • Powertrain Vehicle Protection Plan 
  • Pre-owned Vehicle Protection Plan
  • Reserve Care Plus
VSCs for leased cars
Protective offers one VSC for leased cars, called Total Term Protection. This plan covers aspects like belt and hose replacements, battery replacements and brake pad replacements. It also comes with roadside assistance, substitute transportation and trip interruption coverage.

GAP coverage

GAP coverage helps pay the balance of your car loan when your car is totaled. Protective’s GAP coverage options include:

  • Protective GAP Coverage
  • RpmPlus Auto Guaranteed Asset Protection Plus

Ancillary products

Protective’s ancillary plans include:

  • Key Repair and Replacement
  • Appearance Protection
  • Paintless Dent Repair
  • Theft Deterrent
  • Tire and Wheel Coverage
  • Windshield Protection
  • Lease-End Wear and Tear
  • Pre-Paid Maintenance
  • Ancillary Combinations
  • Advanced Coverage for Advanced Tech

Protective Asset Protection warranty costs

Protective doesn’t provide prices on its website, which is common among companies offering extended auto warranties. Extended auto warranties cost about $1,000 per year of coverage and vary based on the make, model, mileage, age and location of your vehicle.

The cost of your extended warranty with Protective Asset Protection will depend on the coverage tier, deductible and contract length you select.

To get a custom quote, contact Protective Asset Protection to be connected with an authorized dealership in your area.

Deductibles

Protective’s plans typically require a deductible, which usually ranges from $0 to $500. Some of its plans also come with a disappearing deductible option. This means that your deductible can decrease the longer you go without making a claim.

Protective Asset Protection warranty claims

If you’re covered and you need a repair, here are the steps you need to take to file a claim with Protective Asset Protection.

  1. Take your vehicle to a licensed repair facility.
  2. Provide your service contract number along with Protective Asset Protection’s toll-free phone number, 800-432-4566.
  3. The repair facility runs diagnostics on your vehicle.
  4. The repair facility calls Protective Asset Protection to open a claim and get authorization for the repair.
  5. The repair facility provides a parts and labor estimate.
  6. The repair facility will bill Protective for the covered repairs minus your deductible.

Note that some contracts require that you return to the issuing dealership for repairs. If your contract doesn’t specify this, you can go to any licensed repair facility. 

Common reasons Protective Asset Protection claims are denied include:

  • Pre-existing conditions
  • Failure to perform regular maintenance
  • Policy exclusions and limitations
  • Unauthorized repairs
  • Failure to submit proof of repair within 90 days

FAQ

Who bought AUL Corp?

Protective Life Corp., a U.S. subsidiary of Dai-ichi Life Holdings, acquired AUL Corp. in 2022.

Are Protective Asset Protection warranties transferable?

Most Protective Asset Protection warranties are transferable, though some warranties may only be transferred once. To find out whether yours is transferable, refer to your contract or contact the company. To transfer a policy, you’ll need to submit a transfer form and pay a transfer fee. Transfer fees vary by location and plan, and they typically range from $0 to $75.

Can you cancel a Protective Asset Protection warranty?

You can typically cancel a Protective Asset Protection policy. Generally, you must submit a cancellation form to the dealership where you purchased the policy. Protective will process a cancellation request directly only if the issuing dealership is out of business or if the issuing dealer resides in Florida or Washington.

Who accepts Protective auto warranties?

With a Protective auto warranty, you can generally go to any licensed repair facility in the U.S. However, you may be required to go to the dealership you got the warranty from if your contract specifies that.

How long does Protective Asset Protection take to approve a claim?

Approval times for claims vary depending on the repair, your coverage and the availability of supporting documents. Protective Asset Protection claims typically require prior authorization before repairs begin. Once the repair facility contacts Protective and submits the required documentation, approval times can take a day or sometimes longer.

Does Protective Asset Protection cover pre-existing conditions?

No, Protective Asset Protection does not cover pre-existing conditions. This means problems that existed before your coverage started or before the waiting period ended are usually excluded from coverage. You should review your contract carefully to understand the exclusions and eligibility requirements.

Still have questions?

Is Protective Asset Protection worth it?

Protective Asset Protection can be a worthwhile option for drivers looking for flexible vehicle service contract coverage, especially if they want protection for an older or higher-mileage vehicle. The company stands out for its large selection of plans for new, used and leased cars, as well as coverage options for RVs, marine vehicles and powersport vehicles.

One of Protective’s biggest advantages is its broad eligibility requirements. Its plans also include perks like roadside assistance, trip interruption coverage and substitute transportation reimbursement.

However, Protective doesn’t provide transparent pricing online, so it can be difficult to compare costs without speaking directly to a dealership. Coverage details, deductibles and exclusions can also vary significantly depending on the specific contract.

Overall, Protective Asset Protection may be a good fit for drivers who want a wide range of plan options and dealership-backed coverage, but it’s important to review your contract carefully and compare quotes before purchasing.

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Protective Asset Protection Reviews

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    Contract & TermsCoverageTechPriceMaintenance

    Reviewed June 25, 2026

    Don’t waste your money. Had the diamond plus package on our Infinite Q80. Had our catalytic converter fail in the middle of South Dakota and had to have it towed into a Nissan dealership in Rapid City.. Cost us $800 just for the towing. This company refused to cover even the towing or the repair on the converter.. On top of that the Nissan dealership refused to fix an Infiniti vehicle. Request requested that we tow it to Denver, Colorado.. On the same trip windshield tore off our window molding of the windshield. RPM refused to cover this.. Please don’t waste your time or money on this #Warranty. It’s a complete rip off.

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    CoverageTechRefunds & Payouts

    Reviewed June 8, 2026

    When I purchased my 2023 Jeep I also purchased an EXTENDED warranty, you know the one that covers any problems AFTER the factory warranty expires. Before the factory warranty expired, either from time or mileage I cancelled my AUL extended warranty. I expected to receive almost all of what I paid because AUL was never exposed for any claims since the Jeep was still under the factory warranty. Imagine my surprise when the Jeep dealership told me that I was going to receive only around 50% of what I paid for the extended warranty that was never exposed to any responsibility since the Jeep was/is still covered by the factory warranty.

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      CoverageTechPricePunctuality & SpeedRefunds & Payouts

      Reviewed May 22, 2026

      I bought a used 2018 Chevy Silverado with decently low miles, under 100k. Within a month, the transmission needed to be replaced. Took it to a dealership near me that works with AUL-Protective, and they said that it is one of the better extended warranty programs. I would hate to see the bad ones. The Pros-I only have to pay $100 for the new transmission, and one hour of programming time.

      The Cons: I had to have my transmission replaced. They sent a used one-not a remanufactured one, a used one. When that one failed during the test drive, I had to wait another week for them to then send a remanufactured one. On an transmission that is know to have issues, why would you even tempt putting a used one in. The transmission has to be programmed to the truck. They will only pay for one hour of programming time, the dealership charges two. I have to pay for the other hour out of pocket. It has been over a month without my vehicle, and I am still waiting.

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      Customer ServiceTechSales & MarketingPriceStaff

      Reviewed May 15, 2026

      I wish there was a way to put down negative stars. This company definitely lives up to it's name with the negative reviews all over the internet. I have never had such bad experience with a warranty company. If you try to cancel with them, they will hold you hostage. They expect you to honor and abide by the contract you sign but they don't believe the same applies to them. They will fight you and make up additional restrictions and parameters on the content of their contract just to avoid either helping with a claim or canceling the contract. I cannot believe that a reputable company like Toyota would sign up their customers with this ridiculous company. I seriously believe this company is a scam or some fraudulent scheme that people are not fully aware of yet. Avoid them at all costs.

      I have had so much back and forth with them and then they eventually stopped responding to my emails entirely and no matter how many follow up emails I have sent, they continue to ignore me. I will probably take legal action against them and everyone who has a bad experience with them should at the very minimum report them to the BBB.

      Their contract very specifically says that a customer has two options of canceling their warranty. Either go to the dealership that sold them the vehicle OR the customer can directly email them with all the necessary information they require to cancel warranty. I have done this and no matter what I do or say, they refuse to cancel my warranty and after some back and forth correspondence, they stopped responding and have been ignoring every effort I have made to contact them, follow up or get an answer. Next time a car company tries to sell me a warranty with this company name, I will refuse immediately. You basically sign up for a scam with no one to offer any help if you need it.

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      CoverageTech

      Reviewed March 20, 2026

      I bought a 2016 Ram from Cals Cars of Cour d Alene ID and paid almost 4K for a 48 month used car warranty. Twice now had to pay close to $1000 for electrical modules diagnosis and replace-ment. AUL refused to pay a dime even though my upgraded plan with "enhanced electrical group" specifically stated "electronic control modules" would be covered!!! My mechanic tried stating our case but 3 supervisors up the ladder were denied.

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      Customer ServiceTechSales & MarketingRefunds & PayoutsStaff

      Reviewed March 3, 2026

      Don't trust this company. They wouldn't pay for a seized fuel injector on my Yukon. They always claim "pre-existing" or "carbon build-up." The staff was rude and combative with not only me, but with my service technician, as well. Buyer beware. They should be shut down and investigated immediately. Despicable. And shame on them for scamming people. I'm writing a letter to my Senator, Congressman and Governor in my state of Michigan and lodge a complaint. Anyone else out there who has been blatantly ripped off by AUL should do the same.

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      Customer ServiceCoverageSales & Marketing

      Reviewed Dec. 27, 2025

      Yep, a scam, they cover something like the transmission, but not a common part in it, therefore they won't cover it, no matter how many times they change their name, still a scam. I call a week before, to make sure I was covered, and they pulled their go to.

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      Customer ServicePunctuality & SpeedRefunds & PayoutsBilling

      Reviewed Dec. 19, 2025

      I’m a shop owner and they take a looong time to pay out. If you have a credit card processing machine they won’t pay the procurement fee and you can’t process the amount for lower than the bill and eat the procurement fee myself. They wouldn’t allow that. I had to wait a week for them to issue the check and then another 4 days to receive it. They send me a check and it’s double the amount that they owe so I call them to notify them that they are paying me too much and they said I’ll have to wait until next Friday to get another cut and then another 4 days for me to receive it. I’m no longer going to take their warranties because of this reason. It’s too difficult for me to get the money owed to me from them.

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      TechRefunds & PayoutsHonesty & Transparency

      Reviewed Dec. 17, 2025

      I am a service writer for a dealership and I have to say this may be one of the worst warranties I have ever dealt with. I am writing this on behalf of one of my customers whos transmission is leaking trans fluid that is burnt and has metal in it. An inspector came out and clearly saw the burnt and glittery trans fluid and they had the nerve to deny it that there was not enough fluid in the transmission... WELL OF COURSE BECAUSE IT'S LEAKING!. Thousands of dollars for a warranty and all you get excuses and lies for them to not pay for repairs.

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      CoverageRefunds & PayoutsRates

      Reviewed Nov. 17, 2025

      I see why they only have a 1.4 star rating. Took my 2012 ford f150 to be looked at because of a rubbing sound and it turned out to be the ime actuators and they wouldn't cover it. $1600 fix out of pocket.

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        Protective Asset Protection Company Information

        Company Name:
        Protective Asset Protection
        Formerly Named:
        AUL Corp.
        Address:
        14755 N. Outer Forty Drive, Ste. 400
        City:
        St. Louis
        State/Province:
        MO
        Postal Code:
        63017
        Country:
        United States
        Fax:
        7072591867
        Website:
        www.protectiveassetprotection.com