
Protective Asset Protection Reviews
Formerly AUL Corp.
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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.
- Wide range of plan options
- Coverage for new, used and leased cars
- VSCs include roadside assistance and trip interruption coverage
- No pricing on its website
- Not available in New York
Helpful Reviews
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 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 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
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.
- Take your vehicle to a licensed repair facility.
- Provide your service contract number along with Protective Asset Protection’s toll-free phone number, 800-432-4566.
- The repair facility runs diagnostics on your vehicle.
- The repair facility calls Protective Asset Protection to open a claim and get authorization for the repair.
- The repair facility provides a parts and labor estimate.
- 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 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








