CNA National Warranty Corporation Reviews

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About CNA National Warranty Corporation

CNA National Warranty Corporation offers vehicle service contracts for new and used cars. It also has specialized contracts for electric vehicles. Its plans range from a powertrain warranty to exclusionary coverage for most vehicle components. While the company administers the contracts, it only sells them through dealerships. If you want to purchase a CNA National contract, contact a participating dealer in your area.

Pros
  • Range of coverage levels for new and used cars
  • EV service contracts available
  • Multiple deductible options
  • Plans come with towing and roadside assistance
Cons
  • Only sold through dealerships
  • Must pay upfront or secure financing

Our editor’s take

CNA National may be a good option if you’re looking for a company with industry longevity and a range of coverage options. It also offers attractive benefits, like paying $100 toward your deductible for repairs covered by your car’s factory warranty.

Unfortunately, the company doesn’t have much information about its contracts available online. And it doesn’t sell its products directly to consumers, so you have to contact an authorized dealer in your local area for pricing information.

You may run into issues canceling your contract since not all products are eligible for cancellation. Make sure you understand what you can and cannot do before buying a vehicle service contract.

About CNA National Warranty Corporation

CNA National Warranty Corporation has operated in the vehicle service contract industry for over 40 years. Headquartered in Scottsdale, Arizona, the company offers service contracts, guaranteed asset protection (GAP) coverage and supplementary products, such as dent repair. It’s a subsidiary of CNA Financial, a commercial insurer.

» LEARN: What is a vehicle service contract?

CNA National Warranty Corporation availability

CNA National’s vehicle service contracts provide coverage throughout the United States and Canada. The company’s exclusionary plan covers new and used vehicles with up to 125,000 miles. Basic powertrain coverage is available for vehicles with up to 150,000 miles at the time of sale.

CNA National Warranty Corporation coverage and plans

CNA National Warranty Corporation has different categories of service contracts, including its standard Z2 service contract. This contract comes in four coverage levels, ranging from powertrain to exclusionary. There are also electric vehicle (EV) service contracts with varying coverage levels.

If you want maintenance benefits, consider CNA National’s term protect service contract. It’s a service and maintenance contract in one, designed to supplement a manufacturer’s warranty.

This table shows the four tiers of the company’s Z2 service contract; these plans should provide adequate coverage for most drivers.

» LEARN: What does a car warranty cover?

CNA National coverage limits

CNA National contracts have a limit of liability clause, which says the per-claim limit can’t exceed the fair market value of the vehicle. Over the duration of your policy, the total claim limit can’t exceed the vehicle’s purchase price.

CNA National Warranty Corporation cost

CNA National Warranty Corporation sells its products through dealerships, so you can’t contact the company to get a quote. A participating dealer can provide details about pricing. The cost may vary depending on your car, mileage and location.

A CNA National contract may come with a deductible, which you will pay if your car needs repairs. A company representative says deductibles can range from $0 to $500. There’s also the option to have a disappearing deductible. This option allows you to get repairs done without paying a deductible if you take your car to the dealership where you purchased the contract.

When buying a CNA National contract, you can pay for the policy upfront in one lump sum or roll the price of the contract into your vehicle financing if the lender allows it. You can also get a separate loan for the service contract.

» MORE: How much does an extended car warranty cost?

CNA National Warranty Corporation benefits

CNA National vehicle service contracts come with additional benefits. These include towing, roadside assistance, trip interruption and rental car reimbursement.

CNA National Warranty Corporation policies

When purchasing a CNA National vehicle service contract, make sure you understand the company’s policies. A company representative says contracts come with a transfer guarantee, which means you can transfer the policy to a new owner through a private sale. CNA National also provides the option to renew your coverage by purchasing a new contract before your current one expires.

If you want to cancel your CNA National contract, you must contact the dealership where you purchased it. The dealer can tell you whether you’re able to end your coverage. If you can’t cancel your contract through the dealership, you can call CNA National at 800-345-0191.

CNA National Warranty Corporation FAQ

How does CNA National Warranty Corporation work?

CNA National Warranty Corporation offers vehicle service contracts, which cover repairs after mechanical breakdowns. The company administers the contracts but sells them through dealerships. You cannot contact CNA National to purchase a vehicle service contract.

How do I file a claim with CNA National?

To file a claim with CNA National, provide the dealership or licensed repair facility with your contract number. Ask the service provider to contact CNA National to authorize the repairs and submit your claim.

Depending on the service facility, you may need to pay out of pocket for repairs. If they’re covered under your contract, CNA National will reimburse you for the cost, minus your deductible.

Is CNA National Warranty Corporation legit?

Yes, CNA National Warranty Corporation is a legitimate company. It’s been in business for over 40 years and sells vehicle protection products, including service contracts.

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CNA National Warranty Corporation Reviews

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    Page 1 Reviews 0 - 10
    CoverageTechPunctuality & Speed

    Reviewed Nov. 21, 2025

    2017 Suburban confirmed by the dealer of needing a transmission replacement (which is covered under my warranty) and have been waiting for a week for an inspector to come and confirm replacement of a transmission so the dealer can perform the work needed. ** last 8 digits of VIN as reference

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    CNA National Warranty Corporation
    Response from CNA National Warranty Corporation

    Thank you for this feedback. We're having difficulty locating the contract. Do you have the ability to share the contract number or full VIN via email to reviews@cnanational.com?

    Customer ServiceCoverageTechPriceMaintenanceStaff

    Reviewed Oct. 30, 2025

    Have been getting the run around from this company for over a month over a repair they acknowledge is covered. Purchased a 5 yr/100,000 mile warranty. Currently well within the warranty period, only second claim. Repair of AC evaporator requires extensive disassembly of the interior (removal of dashboard, steering column, and windshield). CNA agreed to cover the cost of replacing the evaporator, but won’t cover the hours to access it (which is more than half the work). Two independent shops verified that all the disassembly was necessary, as well as the dealership using the OEM labor guide.

    CNA claimed they needed proof from the dealer labor guide showing all the procedures justifying the extra labor hours to replace the evaporator. Once that was provided, now they’re saying it doesn’t matter and they won’t take the official manufacturer labor guide and procedure into consideration. All staff, and especially supervisors, are rude, short, uncooperative, and keep moving the goal post as to what is required to justify the labor hours. Avoid this company at all costs because they will do everything possible to avoid fully paying out a repair they acknowledge is covered.

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    CNA National Warranty Corporation
    Response from CNA National Warranty Corporation

    Israel, thank you for providing this detailed feedback. We'd like to investigate the situation further. Please send a note to reviews@cnanational.com with the VIN and contract number.

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      Customer ServiceCoverageTechMaintenance

      Reviewed Oct. 27, 2025

      CNA is delaying approval of valid claim due to unrelated and insignificant timing difference for maintenance record. I took my car into the Walser dealer for a diagnosis. They mentioned a repair needed for the drive shaft. I had purchased a lifetime warranty when we bought the vehicle (2018 Jeep Grand Cherokee). The dealer called and CNA requested maintenance records which were ultimately provided. After 6 calls by myself, in addition to the dealership calling them, CNA is indicating that the claim is in "pending" status because - they say there is a missed record for a 70K miles oil change - though the records indicate oil changes at 67k and 75k. CNA also said there was an air filter not changed at 60K miles - though the dealer did inspect the filter and did not see a need to change. I was on hold for 20+ minutes 2 separate times, keep getting transferred instead of someone discussing a resolution.

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      CNA National Warranty Corporation
      Response from CNA National Warranty Corporation

      Hubert, thank you for providing this feedback. Please send the VIN or contract number to reviews@cnanational.com, so we can have a team member investigate the situation further.

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      Customer ServiceCoverageTechMaintenanceTransparency

      Reviewed Oct. 4, 2025

      Updated on 10/11/2025: This company continues to give the runaround in covering our claim. After sending our complaint to their review email suggested in previously posted review, and sharing information from the dealer showing that they did not cover the control arm that had failed but covered the least damaged one instead, the Senior Claims manager stopped responding.

      Original: Purchased a lifetime bumper to bumper and they are trying to deny the claim saying there was a gap in maintenance. Two of the dealerships previously used for service have gone out of business so a carfax report showing the dates and companies used for all maintenance services was given to then and now they say they can no longer use car fax reports. The supervisor refuses to allow us to speak to a manager and will not provide phone numbers for a higher point of contact.

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      CNA National Warranty Corporation
      Response from CNA National Warranty Corporation

      Cynthia, thank you for providing this feedback. If you'd like us to review the claim further, please send a note to reviews@cnanational.com with the VIN or contract number.

      Verified purchase
      CoverageTechPriceMaintenance

      Reviewed Aug. 28, 2025

      We bought our 2016 370z in 2019. I believe 1 1/2 yr after purchase the rack and pinion was leaking oil. Took it to the Nissan dealership and CNA paid to replace the whole unit, then on 1/03/24 the transmission wasn’t shifting above 3rd gear, we took it into the dealership and it ended up being a bad transmission. They cover that with a manufactured transmission. Another $7262 parts and labor. August 12, 2025 an air bag light flashing. Took it to Nissan and it ended up being the sensors in the lower cushion of the passenger seat. $3649.97 and all was covered. We are very happy with CNA! The good thing we had a disappearing deductible of $200 and we did not pay anything after the first repair. I would recommend this company to anyone looking for a reputable company.

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      CoverageTech

      Reviewed Aug. 28, 2025

      Purchased a car from a private party. The husband had purchased the policy and had passed away. I purchased the car from his wife. When attempting to transfer the Service Contract, I was told that I needed a Death Certificate and a document showing who the executor of the estate is. The husband died years ago and the elderly wife does not have these documents required for a transfer at her disposal within the 14 day period required for transfer. I thought the car was being covered, but apparently after making their money with the original purchaser the company has no motivation to extend the coverage to a new buyer without impossible hoops to jump through.

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      Coverage

      Reviewed Aug. 12, 2025

      Worst warranty ever. Sold me a 10 year 125,000 bumper to bumper warranty. Now 2 front sensors are constantly beeping. They said that because of a clear coat on the sensor, which is from the factory they will not cover the $1,100 repair. Be careful of this CNA. They are scammers.

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      CNA National Warranty Corporation
      Response from CNA National Warranty Corporation

      Thank you for providing this feedback. Please share the VIN and contract number via email to reviews@cnanational.com. We can have a team member review the situation.

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      TechRental Car

      Reviewed Aug. 8, 2025

      Do not buy this warranty from any dealership. They refused to provide me with a rental after refusing to use the correct parts on my truck. The aftermarket part failed causing damage to the entire front end of my truck. The parts are 45 plus days out and they refused to provide me with a rental car for them not letting the dealership use the correct parts on my truck which took three different parts and it still wasn’t right.

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      CNA National Warranty Corporation
      Response from CNA National Warranty Corporation

      John, thank you for providing this feedback. If you're still needing support, please email reviews@cnanational.com with the VIN and contract number.

      Verified purchase
      Customer ServiceCoverageStaff

      Reviewed July 25, 2025

      I don't usually take time to write reviews, but CNA National's customer service was excellent and far above the norm and I felt it was important to share that. This was my first experience with gap insurance and all it entailed. Each CNA representative that I came in contact with was professional, approachable and informed. The turnaround time was faster than I had anticipated and each step of the process was well communicated to me. In a world of automated systems, I appreciated the human contact that CNA representatives provided. My questions were answered in a user-friendly fashion and with patience as I worked my way through the process.

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      Claims HandlingTechBillingTransparency

      Reviewed June 19, 2025

      As a mechanic shop, this company needs to update their claims process. Have had to hold for over 2 hours twice already. Will be billing the client for this extra time. Once contact was made, things were smooth. Not sure why they don’t provide an online option to get a claim started.

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        CNA National Warranty Corporation Company Information

        Company Name:
        CNA National Warranty Corporation
        Address:
        4150 N Drinkwater Blvd.
        City:
        Scottsdale
        State/Province:
        AZ
        Postal Code:
        85251
        Country:
        United States
        Website:
        www.cnanational.com