National Auto Care Warranty Reviews

The policy states that you have sixty days to cancel your warranty if there wasn’t any claim they would refund you 100%. I canceled my policy within that policy period and they charged me $379.00, stating mileage, which wasn’t a part of the contract. The contract states no claims. I asked to speak to a manager or supervisor but was refused. Do not do business with this unprofessional company. They took $379.00 and I can’t get a good answer. Bad company to do business with, would never recommend them for warranty or anything. Deloris ** Purchased from (KIA) Wilmington NC 2023 KIA Sportage; cancel policy within 60 days with no claim

It took over a month to get my car back. Most recent experience: First 2 weeks of the dealer emailing pictures over and over for rim and tire repair. After approval and repairs it took over 2 weeks for dealership to get paid. Other experience: 2 weeks of pictures for approval for tire replacement. But very quick turnaround for a flat repair.

I purchased this coverage on my vehicle. I recently broke down and my cell service was not good. I called them for a tow and was told the fee was $275 and I was covered for $250. I agreed to pay the extra $25 while I was on the phone. The customer service sent me a link by text, I paid the fee and called them back the next morning to see when car would be picked up only to be told the claim was not valid because I didn't stay on the phone while paying the $25. I would have to open another claim and pay again while I wait for the first $25 to be refunded. This is a scam. I will never recommend them. I've called several times and just get out on hold and sent to different departments.

I bought a 2013 Ford Flex Limited from the local Mitsubishi dealer. I asked for the best warranty available. This is what they offered and included it in my financing. Within months, we started having serious mechanical issues. I took my car back to the dealer who sold me the warranty. They diagnosed the issue. The warranty company paid for it. The issue persisted over several more months. In each occurrence, the warranty company paid for it. Eventually, it was determined that the engine wiring harness was faulty and the entire thing would need to be replaced. They said that because of the difficulty that it would require 21 "M" hours of labor, + parts. Once again, it was submitted and accepted. My Flex runs perfectly now. Based on all the other reviews, I assume this Warranty is probably better suited to ASE dealerships than local shops.

This company won't stop harassing me, and I am on the DNC and have told them I am currently with Endurance. They are rude, aggressive, **, who hang up on you when you tell them you are on the DNC.

If I could give it a negative 5 stars I would. Nina ** is the person handling my father's claim. A five year old has better communication skills and professionalism than she has had handling his claim. We have submitted all the paperwork required on the portal and via email maybe a total of 4 times. I have tried getting ahold of her supervisor. When I get someone on the phone they say they'll email them but they are not able to provide me with the supervisor's information. I will make sure to NEVER buy GAP insurance with National Auto Care. Make sure to file a complaint with NAIC.

Many of the reviews here are from NAC customers, and many of them are not favorable. My review (complaint) is coming from our repair shop. Back in early December we repaired a young lady's vehicle who has NAC coverage. NAC agreed to cover the repair, but only after a bit of back and forth to get the cost down as much as possible on their end. We agreed on a price, the customer's car was repaired on December 12th and she paid us her deductible portion of the bill.

I filed for my gap insurance repayment in September 2025 due to a weather total loss in August 2025. During the months of September, October, November and now into December I still do not have movement on receiving my money. I have submitted the correct documents since September and when I call- after being on hold for up to 2 hours I am told they "now" have the correct documents and it will take 7-14 business days for them to reply to me. That time passes and nothing so I call back and receive the same information. I ask to speak to a supervisor and am told there is never anyone available. I am beyond frustrated! This has been months now and I still have not received the gap insurance settlement.

Bought a Silverado from my local dealership with a National Auto Care warranty. I had an issue not for far along into my ownership. Took my truck back to the selling dealer. They were about to get he issue fixed. Only charged me my deductible which is great. Saved me over a thousand dollars has I not had the warranty contract.

Horrible horrible horrible. Don't know how they are in business or haven't got sued yet. They keep on looking for anything to blame the customer so they get away with not having to pay anything. They give you a headache and the licensed shop a horrible headache as well. Then they treat you like you're the third party and they don't want to speak with you at all only with the shop and ask the shop questions of how it happened when the shop has no idea where I was heading or my speed. Try talking to them and they refused to after I'm the one paying them. They're so bad that the licensed shop gave me back my truck free of charge fixed cause they were done getting the runaround with these people. Hope they get what they have coming. Awful. They shouldn't be a thing honestly 🚩🚩🚩.

DO NOT BUY A WARRANTY FROM THESE PEOPLE!!!! They will try every excuse to find a reason why they won't cover you. Horrible customer service. I called to report an emissions code and estimate from dealer. She tried telling me exhaust isn't covered. But, emissions itself isn't a part of exhaust system. Even read to her in contract where it said any emissions controlled devices are covered. Refused.

Bought 2 policies for road side assistance and tire coverage from the RV dealership for 1500$ was told how easy they were to work with and a great company. Then drove the RV and had 2 flat tires and called customer service and was told they couldn’t tow our RV because there were more than 2 people in the RV to pay for the repair and submit for reimbursement both were denied because I didn’t take pictures of the tire damage even though were told by the police to stay in the RV because we were on the freeway. Not sure what if anything these policies cover. Would not recommend.

Very disappointed... have number to number coverage but the one thing I called on 3 years into it and my heat seats are not covered. Really!!!! Don’t understand why this would not be covered because it is between both numbers. Very upsetting to learn this. Not good company policy if you don’t cover everything you said you would.

Well bought the NAC warranty. 2 times took to dealer and all they say is have to talk to warranty company. Then they want 210.00 to just look and hope it’s covered. Not covered as usual. Do not buy this warranty, it’s a scam. Better off buying one one-off TV taking a wild chance anyway. Not buying this one again. Say bumper to bumper, not true. Please read all fine prints. I learned the hard way also.

I call this company thinking it's was calling everything breaks to make a payment. The unprofessional rude person I talk to never told me that not everything breaks. It kept saying everything breaks so I made the payment and kept saying I pay 114 dollars so give him my debit card number. 5 minutes later I check my bank account and seen they took out 157.97 so call them back and told him I made a mistake and pay the wrong company I been paying everything breaks for 11 months. The numbers messed up so I ask them reverse the payment or a refund. Unprofessional rude person said he could so I cancel it. He got going refund or reverse my payment and someone in your put the computer that pay 195 dollars on my credit card last 4 number **. That 4 in my credit card but when I do this 2 weeks ago they kept trying run my credit card.

The biggest scammers I have ever had to deal with. Have been going through the receipts of the claim I sent them 2 and a half months and I have called them 2 times and they always don't even know what they are doing. What a lack of professionalism.

The coverage that you buy is not specific on the repairs that your vehicle needs on the time it breaks down. On my case, they wanted me to approve the teardown by the dealership and once the dealer tell them the finding they will decide if is covered or not, so once you agree, you will be responsible for the charge if they denied the claim. On the power seats, they only want to warranty the motor but not the other items that break on the seat, and if there is no aftermarket parts, then you will be responsible for the tear-down and diagnose charge by the shop. So before you buy, ask them what they cover on all items especially on the ones they need repair, because that part is discontinued.

I filed a legitimate claim for a breakdown in my RV. We paid a lot of money for the top-of-the-line coverage. They denied parts and labor, did not explain, refused to answer phone calls and wound up agreeing to pay one third of the actual repair bill.

I have been dealing with this company now for four years. They try very hard to not pay claims that are submitted by legitimate repair shops. They charge a lot of money to buyers but failed to deliver when you need them the most.

They are straight-up crooks. I have been search for all the complaints about them and their predatory criminal tactics. I have seen a few reviews and complaints about the exact situation/issue I am having. Their refusal to pay for the total repair to fix my sunroof (who would think that's really actually a sun "window").

First time I tried using this warranty I was turned down. I spent 0ver $1,800 dollars on this warranty from the dealership on my wife's new car. Didn't once thought about checking the reviews on this company. My mistake!!!