Empire Auto Protect Reviews

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.

We were lied to. When we purchased a extended warranty for our car, the rep said they were part of Genesis and they are not. Just bought our car in and they would only cover $125 and we would have to pay $700! We called them and they are disrespectful and did nothing but lie!

I had a great experience with Empire Auto Protect. My A/C compressor was approved quickly and without any hassle, which was a huge relief. On top of that, they helped make sure I had a car loaner, so I wasn’t left without transportation while my vehicle was being repaired. The process was smooth, professional, and stress-free from start to finish. Thanks so much, Dan, for your excellent customer service and support — it really made a difference. I highly recommend Empire Auto Protect!

If y'all are smart, you will not use them. They won't help you at all, so please don't be dumb like I was. Stay away, they won't pay even if you did not know at the time you take out the policy that something is wrong till after, which I think is dumb. If you paying over 100 dollars a month, they should fix it no matter what.

Avoid at all costs. Just signed up. The same customer service person charged my card 3 times saying it was declined. He said he would transfer me to his customer service department and he hung up on me every time. His name is Adam. Complete Scammer. Now I have to call my bank in the morning and get this straightened out. NEVER EVER USE THIS COMPANY.

Complete scam. Happy to take my money but refused to honor my claim when my vehicle suffered catastrophic mechanical damage. On top of it all they were incredibly nasty. Avoid this organization at all costs - disgusting!!

Warning! Avoid this company at all costs! They are fraudulent!!! They created a contract and account under my name without my consent and charged my credit card without authorization 6 mos after I canceled when I realized they were fake; then refuse to refund. This has happened to me twice! Thank god the credit companies are willing to reimburse for unauthorized charges . It’s always the The same 2 guys who answer the phone & they have caller ID to screen their calls and they insist that there is no upper management to address complaints. When they are confronted they become very defensive and accusatory. The girls name on the emails is never ‘in the office’ also believed to be a part of their fake business that is scheming people out of money.

Terms sent do not match policy miles or duration promised on phone. Asked to cancel 3 days later, but they say the cancelation department is "out to lunch", and "I will have them will call you back". They never call you back, then Brad ** requests a "cover letter" explaining why you want to cancel, despite the fact you've already told them why. After sending the pointless cover letter, first Brad says it will take 24 hours to get a cancellation notice... then Travis says it will be 48 hours... Never-ending run-around. Better Business Bureau is next stop.

Wow. I thought this was a legitimate professional company, but the customer service person was terrible to me and refuse to let me cancel the service. Don’t get involved with this company even at $100 a month. It’s a waste of money.