Empire Auto Protect Reviews

So far, I like the company and then, I see the reviews after the customers made complaints about them, im in the process of cancelling my contract with them Monday at the lastest and let my bank know afterwards so anything that comes from them deny it cause it's sad how they lie and lay out the contract cause I was told when I got the policy since last year it goes month to month untill you cancel it but, due to losing a debt card I want to be ensure I didnt have any lapse in payments and when I try to ask about the contract they tell me it's 12 month contract, I thought it goes long as you want it till you cancel it and now they got me boiling cause of the lies and so forth and I'm displeased with them to the fulllest and I'm a customer whom been with them since 2025 but never used it, just having it on my policy

Will lie to make a sale, commission based sales team so it makes sense but at the end we are the ones who pay the price.

I was lied to and when I tried to cancel within 72hrs I was basically talked to like absolute trash. It says there is a 30day 100% guaranteed refund which is an absolute lie. After reading the consumer comments this happens frequently.

Horrible company! Poor customer service. I cancelled my policies and they keep charging my credit card. I had to put a lock on my card to keep them from taking my money. My credit card company had to refunded my money.

This company is a sham. They have the rudest customer service. They lie. They will take your money after you cancel your policy and refuse to give you a refund. Please take the time to read the reviews on them because I did not and my husband and I got burned by them very badly. They should be put out of business so that no one else can be burned.

Worst staff. Rude. Unhelpful. Would not give info or policy no hung up. Holds excessive. Very unprofessional. James, Raul and others.

RUN! Not worth the hassle or your sanity. I was a customer for over a year, once I needed to get my AC fixed, all went downhill. The shop held my car longer because the warranty denied claim, attempted to tell the shop what was needed and was wrong, had no idea...After two days of the shop almost begging them to pay for the part that was needed, they again denied my claim, stating my mileage rolled back... after further investigation from me and the shop, that was not the case...anyhow Empire promised to pay me all my payments within 30 days and to contact customer service for further details, this is where it got unprofessional and immature.

STAY AWAY! THIS IS A COMPLETELY FRAUDULENT BUSINESS AND THEY BUY THEIR GOOGLE REVIEWS!! I purchased a policy for my McLaren 570S and got the top tier that they offered. It specifically covers leaking seals "on a standalone basis." My main rear seal began leaking and they denied my claim. I spoke to the "claims manager" and asked him if he could please reference the contract and explain his rationale for denial. He was extremely rude and then put me on hold and came back and said that even though it's covered under my policy they weren't going to pay it and to "do whatever you wanna do."

Hello, all I have to say about Empire is that they are the worst company with lies all to get a monthly contract. I thought I was dealing with a nice place. I bring my car in for service after I am over my time. Period. That you are to wait the car Shop says. Empire denied my claim. I was given false information regarding the time stamp you can use your warranty. I canceled my policy a few days later they took the money out of my account. I was calling for two weeks to get my money reimbursed as they were telling me I never canceled. They were giving me the runaround. They said I cannot get my money back because they never seem to cancellation in the computer. Well, I got proof. I called there 27 times regarding my cancellation and they told me my money is not refundable. Well guess what? My bank refunded it so you lost out. Not me. Stay away from this company. It’s all bull crap.

Not a warranty company ease avoid. Was lied to about coverage amounts and received no help at all. Staff was rude, specially Clifford and Bob. They have no issue telling you after the fact that they are only a broker and to call the claim company they sold the contract to. Will tell you how much will be handle when a claim is needed then come to find out it covers less than a ⅓ of my claim. Please avoid this for what it clearly is...

I purchased a vehicle service contract in October 2024 for my 2016 Acura MDX and made my monthly payments. By June 2026, I had paid approximately $2,400 toward the contract and only had about $480 remaining on my payment plan. My June 23, 2026 payment failed because my debit card had been lost/stolen and I was waiting for a replacement card. On June 25, the company contacted me to advise that my payment had not gone through. I immediately explained what happened.

Stay TF away. It’s Total scam. Customer Service is crap. Eric is a thug and a thief. You never get any Claims paid or a refund after you cancel that snake oil policy. Save your money and go somewhere else. I'll sue the shit out these scammers.

Beware! I used Consumer Affairs to look for a Mechanical Breakdown Insurance (MBI) policy for my 2024 Nissan Rogue SV and was immediately called by a representative named Joel **, supposedly with EMPIRE in New Jersey. He pushed a "bumper-to-bumper" policy for $1,864 but absolutely refused to email me a written contract or a secure payment link. He demanded my credit card over the phone, claiming I could only pay the first part over the line before getting a link for the rest. When I stood my ground and refused to give financial information without seeing the paperwork first, he hung up on me.

This warranty company is a complete scam. They advertise coverage and make it seem like they’ll help when you need repairs, but once it’s time to use the policy, they hit you with hidden rules and fine-print policies that were never clearly explained upfront. I paid for this warranty expecting protection, but when I needed assistance, they denied my claim because I had driven my car over 1,000 miles. That makes absolutely no sense. What’s the point of paying for a vehicle warranty if you can’t actually use it after driving your car? Cars are meant to be driven.

Customer service is shit, there's never a manager available, or they "are" the manager. I was hung up on 3 different times. The one guy I talked to with (who had multiple names) was extremely rude. I had asked for a refund of my money that I paid into the warranty because they weren't going to cover it due to a branded title. (Mind you, I gave them the VIN off of my vehicle so they could check it.)

Deceptive tactics, Empire does not administer claims, which is done through third-party. It's extremely difficult to get anyone to answer a call or provide actual responses. I filed a claim that was denied because it wasn't covered, but by their sales pitch, it should have been.

I purchased the policy from Empire Auto Protect for my two thousand twelve GMC Acadia. I was told a hundred and eight dollars gave me full protection, and I would not have to pay for anything when my car went into the shop. I call back later and spoke with someone who told me I would have to pay the first 60% and the company would pay 40%. So I told them I wanted to cancel, and I was told I cannot cancel without having a bill of sale for my new vehicle and had to talk to a customer service supervisor which I was never sent to no one ever talked to me and all they did was hang up on me. I told them to cancel my policy. I sold my car. I do not have it anymore. And they continued to take money from my account. This company is really bad. I plan to report them to the \n Business bureau.

On May 29th at approximately 4:52 PM, I called 1 (888) 345-0084 regarding unauthorized monthly charges being deducted from my account. I explained that I had already paid $3,500 for warranty coverage and wanted to know why additional monthly payments were still being withdrawn without my authorization. I was told I was getting transferred from my Mercedes to my dodge. Come to find out it’s not the same company my vehicle was warranty lied with. They lied and enrolled me into a policy and refuse to refund me. They told me 99 was a transfer free and then sent a letter 157 is being deducted from my account. When I called back, they said, "Oh don’t worry. We transferred the Mercedes to your Dodge warranty coverage. We’re just waiting to update it." Nothing should Again, they went ahead and stole money from my account.

They are a unethical company! Do not trust them. I purchased an extended auto warranty and was told on the phone that I would be receiving their elite top coverage and when the vehicle service agreement arrived in the mail, it was their basic package. But they already had my credit card billed, and when I told Eric Nics to cancel my policy, he became argumentative and lied again by not canceling my policy. They continued billing my cc for 5 months, and I had to call and block their payments from going through, and filed a claim for reimbursement. They are not to be trusted. BEWARE!

Absolutely terrible company. I got a different price two or three different times - when I said it wasn't making sense, I was told it was because there were "taxes" on the price. Not only were the "taxes" an unusually high amount, I then found out there is no sales tax in Delaware. This place should not be in business at all operating with tactics like that. Still waiting for them to confirm cancellation and refund my enrollment fee. I've also given written notice to them and the warranty provider that they are not authorized to charge my credit card for any payments. The "risk manager" they switched me to in order to jack up my quote was also very rude.

PLEASE think twice before agreeing to this company! The process was extremely easy and, yes they were friendly, BUT there are a few hidden things that come back to bite you! Their 3rd party does nothing to help you out and are very rude. Secondly, you’re left to pay things that they (the 3rd party company) feel shouldn’t be covered when in all reality, it should be ESPECIALLY when that’s the warranty you signed up for, and now they aren’t doing anything to fix the mistake. I would just use extreme caution before signing up.

Signed up back in January of 2026 for my Jeep Wrangler. Kept having issues with the jeep ended up trading it in. I called later to cancel my membership and due to a mishap on my side, I did not follow up until a month later. I was going over my bank statement and saw that I had another charge from this company and called again, speaking with a Rep named Brian. He told me that he would not be refunding my account. I requested to talk to a manager and he told me that managers only speak with customers and was rude. He then hung up on me. I called back and spoke with Shawn who stated he was in the capacity of a manger. Shawn went over my account and explained how my request was outside of the deadline, which I completely understand. It's a loss at this point, but the rudest customer service rep was Brian. He should not be working with customers.

So. When I purchased my contract I specifically asked if my hybrid truck battery would be covered, the salesman said yes multiple times. Well when I purchased the contract they sent a sample contract showing what mine would look like. Obviously it was missing my name on the paperwork. Well I called them back a couple of days later and spoke to someone on the phone who said yes multiple times that my hybrid battery would be covered. A few weeks go by and I once again call and ask if my hybrid battery is covered and once again the company said yes. I have both conversations recorded.

HORRIBLE. HORRIBLE. They sell under false advertising and false information. They are stealing from the public. Taking advantage of consumers. They are practicing - selling under deceptive, unfair, or fraudulent business practices.

TERRIBLE HORRIBLE RUDE OBSCENE PEOPLE THAT WORK HERE. Not only would they not let me cancel my policy the first day I got it, but they also told me to call my credit card and stop payment. I called at least 4 times to make sure it was cancelled and I was ridiculed and laughed at. I reported them to their own billing company as well. I have continued to get texts from them, even though i say no and block them. Last Tuesday I called and asked them to stop! They hung up on me twice, pretended "stupid" and when I ask for a supervisor, he told me to "KNEEL DOWN ON THE GROUND"... REPEATED IT..."Kneel down on the ground and lick your phone". I HUNG UP. I tried to call back and report him to management, but my phone was blocked. Then they were closed. TERRIBLE. Awful company. Nothing I was originally told when I signed up was true. They lie.

Everyone was really nice until I had to file a claim. I then realized that I'd been lied to, on the phone they called my plan Platinum (sounds better) but then they send me the policy and it says Royal Repair. See their website screenshot, that is not even on their list. Immediately I called to ask about this and they explained that it was the same thing. Supposedly, it covered a whole list of issues besides Power Train, including ABS issues and key replacement (see photo). That was 6 months ago. However, as soon as I had a problem it only covered the Power Train, because "it's not our fault that you vehicle is 20 years old, it's time to get another car!" He kept mocking me, saying, " Your call is 40 years old, your car is 65 years old." I'm not even kidding you. Like a child. I said I want to cancel and he said why. I said I don't have to tell you why. He goes, "How do you know, do you work for this company?"

Was calling trying to find out why my claim was only being paid partially. This gentleman if you can call him that answer the phone and said claims department was at lunch and I should call back in an hour with my old ass. I thought that was real rude and I hung up.

After 5 months of payments I turn in a claim and they refused it because the vehicle had a salvage title. NOTHING was ever mention up front about the title. They were glad to take my payments but refused the repair the problem. NO REFUND and said it was my fault for not telling them it was a salvage title. I did not get a copy of the agreement until two weeks after they started taking payments out of my account . I have never been ask for the title from any other Warranty Company. It's a fraud.

This company will go out their way to find reasons to deny or unvalue your repair. $100 repair turned into $650 pay out of my pocket to get my truck back.

This business is a ripoff. Don't give them your money. You will be SORRY.

Empire Doesn’t protect should be the name of this fraudulent company. They claimed they signed me up for there platinum plan. When it came time how soon did I find out. Oh your vehicle wasn’t eligible for that. Mind you I was told that with 84,000 I qualified for supposedly there best offering plan. Then not only were they rude disrespectful and THREATENING. I spoke with one nice guy who helped me and said he would give me a refund. As I didn’t sign up for a comprehensive plan. Well I never was able to speak to that particular person again. They said you’re not a customer and we don’t transfer non customers. But when they were calling me continuously daily. Trying to get me to sign up it was a different story! Please shut this company down…don’t not sign up as they don’t pay out claims!

I was bambozzled by these guys who are middlemen. They sold me a plan that was 24 months. Found reasons not to pay. They were one of the only that covered high end cars so when they called to extend I did because some was better than none. 6 months in I had a claim and they denied it saying my car was ineligible for coverage. I asked how and I was covered the entire time before. He said he sold me a new policy with exclusions the other one didn’t have. I said I didn’t agree. He said, "We signed your name to the new form to push it through." I said I wanted a refund. He said no and hung up.

When I contacted the company, I was told that the warranty would fully cover the power train and other major components at 100%. However, when received the policy, it clearly states 40% up to $2,500. In addition, I was told there was a one-hundred percent refund if canceled within thirty days. I called to clarify and was told that it the forty percent was for other maintenance, contrary to the verbiage. I called another warranty company and received the proper coverage. Thus, I attempted to cancel the alleged warranty from Empire Auto Protect and was told that the cancelation department opened at 10 CST. At 10 CST, I again called and was told the Cancelation Department queue was full and I would get a callback. I waited three hours and called back when the no call was made to me.

I purchased the warranty because I had 30 days to cancel the policy. If I changed my mind a full refund would be given back. However when I call them they said changing my mind was not a good reason to cancel the policy but it had to things like I sold the car to the car was totaled. Just complete lies.

I had an excellent experience with Empire Auto Protect when it came to getting my engine repair approved. When my vehicle started having serious engine issues, I was honestly stressed about the potential cost. After filing my claim, their team walked me through the entire process clearly and professionally. The claims department was responsive, communicated directly with my repair shop, and handled the inspection quickly. Once the issue was verified, my engine repair was approved without unnecessary delays. They covered exactly what my contract stated, and there were no surprise complications.

I would never recommend these thiefs to anyone. I called a week after giving them money. They told me I didn't have a good enough reason to get my money back. This a supervisor. They need to check themselves. I'm calling BBB. I never heard such robbery in my life. DO NOT SIGN WITH EMPIRE 00000 stars.

Empire Auto warranty is a scam. I’m having difficulties getting my 99.95 back. I stopped my payment on Sunday 5.54 pm evening, and my credit card put a block to stop the payment and it went through, how can that happen. Empire changed finance companies without notifying customers they were a new company taking over payments and when I asked for their contact is customer rep told me no and hung up on me. They are stealing from me. I’m cancelling my subscription and they are still charging me for a service I cancelled. I had been a customer with Empire, had no kind of issues with them, until I told them I was cancelling my subscription, they got so upset. I called them 4 to 5 times today, and I was recording my conversation; they were so unprofessional. SANTANDER Finance is the new bank that took the payment.

Totally lied to over the phone. I received our contract, was not the terms we agreed to over the phone. I paid four months in advance over the phone, canceled days after the coverage started just to he told what I paid is not refundable. This business is a total scam, do not do business with them.

I got a Platinum coverage contract with Empire in 2025 for a pickup truck I had. After selling it I called and switched my coverage over to my Chevy van and not realizing that a new contract had to wait another 30 days to be covered. My water pump broke and I called for coverage. The gentleman who said he was the manager that spoke to me was very rude and ridiculed me. And when I told him that was horrible because nobody notified me I had to wait another 30 days he hung up. The next day I received an email telling me that my policy was canceled. The manager showed absolutely no compassion and was extremely rude. There are plenty of coverage companies out there. Please do your diligence you can find better than Empire!!!

I recently purchase a Service Contract with Empire Auto Protect. The rep was very nice & professional. However, he did NOT give me the full picture of how the contract works, and I asked lots of questions. I called my local dealership (after signing up), and they gave me the real deal. You're basically buying a discount... most likely 40% (they pay) and you pay the remaining 60%. Oh, and there's a $2,500 cap per year. If the Empire rep would have told me that upfront, or marketed that from the beginning, I may have kept the service. But it was shady from the time I made the initial down payment. I just cancelled the contract... which is not an easy one-time call (again, shady!). We'll see if they refund me as promised, or if I have to escalate the matter.