Portfolio Protection Vehicles & Services Reviews

Avoid this company at all cost, my car had an issue with a wastegate actuator and solenoid, they said that they were not covered because it is a minor repair and maintenance related when that is not true, now i am going to call them to cancel the contract, they are scammers like most of this so called extended warranty companies.

I purchased my Portfolio One RV extended warranty in February, 2026. I made my first claim in August regarding simple problems with some issues in the interior of the rv (ie; window blinds coming loose, loud rattle/squeak in the kitchen, faucet handle coming off, rear ladder needed to be secured, etc). I have made similar claims with a couple of previous rv's and with different warranty companies, and all were covered by those companies. Within about two hours of my repair facility sending in the claim, Portfolio denied ALL the items listed, citing "fasteners" weren't covered.

This plan is a scam to me because they want you to be 40miles or more to get service. Then when something is covered they say another part that's connected to it cause the problem so it's not covered. Like you didn't build the car so they covered the part so they can say that and denied the part .Nothing is ever covered like I paid $3500 just to not have anything covered.

I purchased Portfolio Protection's Hi-Tech extended warranty because I wanted peace of mind knowing expensive electronic components would be covered if they failed. Unfortunately, when I needed to file a claim for a major electronic repair, Portfolio Protection did not uphold what I believed I was paying for under the Hi-Tech warranty package. Instead of honoring the coverage I expected, my claim was denied, leaving me with a lengthy delay, significant frustration, and unexpected out-of-pocket costs. After spending considerable time trying to resolve the issue, the only assistance I received was a one-time goodwill payment rather than the warranty coverage I believe should have applied.

Absolutely the worst, they make everything more difficult. Lost my uploaded paperwork 3 times now. Slow slow slow. Shame on any car dealer that use them!!!!

I am very unhappy with the claims process. They seem to continuously lowball compared to what things cost. I have been waiting several days for approval and I am stuck in a hotel until I can get my car back to go home. No one has answers they just expect you to keep waiting

Absolutely the WORST company to use for GAP insurance. I wrecked my car on 3/19. I was contacted by the company via email to send over documents. I did and a month went by, when I checked back in I was told that I couldnt email the documents, that they had to be uploaded to a portal I was never told about. When I uploaded everything I was told I was missing documents, even though everything on the list was checked off as recieved. On the portal it states that "The estimated processing time is up to 20 business days." When I called they say "We have over 1000 claims so it's taking longer." I was also told that I needed to wait 25 business days since they were so busy.

I've been waiting a week for them to accept or deny a claim from the dealership which is just crazy.

Horrible, horrible company!!!! Uncommunicative, and slow in processing. Their whole gush is to cheat you out of money. If you want to contact them, be prepared for a maze to actually reach a person. Who, will not be able to help you. I feel like contacting an attorney, wish I never purchased GAP from them. Beware!!!!!

Incredibly POOR customer service! Long wait times Disorganized Passive Aggressive Representatives Time Consuming and Frustrating!!!

DO NOT use this company, worst customer service I've ever had. Impossible to talk to a human, with any authority or knowledge of the process. HORRIBLE.

Will follow up with civil suit. Deceptive business practices, misleading elder community into a contract in the state of California. Have multiple cases. Company that is the third-party Happy Daze RV just settled class action suit for millions for cheating their employees.

Denied my claim of over 2000 dollars - very poor communication leading to details not completed by their standards that they used to deny. Seems like their goal is to deny claims instead of to run a good fair business. Do NOT recommend!

We bought our car in 2014 with a lifetime warranty for drivetrain as long as we met the maintenance agreement. When the head gasket malfunctioned we were denied by this company because just once in our ownership of 12 years we went 200 miles over the 10000 miles for an oil change. That loophole saved these guys 4400 dollars. And we got the shaft. 200 miles in twelve years and every other record is intact. Just the facts.

If I could give zero stars I would. This company has the most worthless customer experience I have ever experienced. Then you try to ask questions and get the run around of answers. It takes you weeks to get an answer to simple questions. I would never recommend them to anyone. Because they give the dealership incentives they are still in business getting pushed on customers. It seems with all the reviews I see I am not the only one who feels this way. But I guess when a company doesn't need happy customers to stay in business they can be however they want to be. Will never buy from them again or refer them to anyone. So if you are thinking about them DO NOT DO IT.

Completely worthless “warranty”. My claim for a failed transmission on a car with only 20,000 miles was denied because of inconsistent documented engine oil changes. This has nothing to do with a transmission failure. This a totally unethical and scummy company. STAY AWAY...Don’t waste your money on these fake warranties!

My truck took 8 months to be repaired and handed back to me. Incompetent employees that have no given right to hold claims up that long, simple claim for transmission work, instead of putting a new one in they rebuilt the original which lasted 2 days when they returned it to me. Only for them to put a new one in. Now I have a new claim for the timing chain, and they are stalling. We are into 5 weeks and I get rude people on the line when I call and ask what the hold up is. I paid for an extended warranty for a reason and this company will do anything in its power to make the claim unbearable. I'm $1500 deep in rental fees and there is no end in sight. I see a small claims lawsuit coming their way. Disgusting that this is allowed to happen. They should not be allowed to be in business.

Purchased warranty from dealer and am having issues with them fixing the problem. This company should be shut down. With things the way they are in the world today this company makes sense. So disappointed in people who can justify this kind of service.

Don’t know how to explain this correctly, but Portfolio has been a terrible/okay company. I’ve owned 5 vehicles and never have I ever been hung up on mid conversation wanting to talk to the person directly denying my claim after they assumed and said that I was at fault for hitting a curb, but was a pothole in the middle of the road. I’ve had issue after issue with them. Just for wheels/tires alone and I’m not looking forward to anything mechanical at this point.

If I could give this company 0 stars I would. I paid 1k for this scam, and had a total loss (second time I’ve ever had a total loss by the way). They denied my claim. Won’t even cover a hundred dollars. And this is 3 months after my accident. The representatives are rude and disorganized. If I knew how much of a scam they were I would have never purchased their gap insurance. I really wish I just went to my original gap insurance from my first loan. They were so good. I didn’t have the hassle that this poor company gave me.

It has been a year of me providing Portfolio with information and the vehicle I "had" to buy GAP insurance for has still not been paid off! What a waste of money!

I purchased a 2019 Ford Fusion several years ago and was sold two different warranty packages from Portfolio. Felt like overkill at the time, but I figured better safe than sorry. They told me that if anything went wrong with the engine or transmission, that it would be covered. Felt good to know that I would be taken care of down the road.

Garbage company. Customer service is terrible. All they really want is to deny claims and void warranties.

THIS COMPANY IS CRIMINAL. ANY dealer that uses them KNOWS IT. Never, in my life, have I seen a company with so many one-star ratings. NEVER. They have countless unachievable stipulations and scenarios that keep them from honoring your claim. DO.NOT.GET. BAD. ATTORNEY GENERAL SHOULD SHUT THEM DOWN.

This company has fake reviews. They will not reimburse you for repairs if you paid out of pocket like some 5 star reviews have mentioned.

I bought my Horizon Portfolio Protection Truck extended warranty in 2021, there was always a hassle reporting the claims and they have to confirm the claim with the underwriter. Now two Ford Dealerships turned me down and did not accept the warranty. They said they don’t like the hassle. The third dealership accepted it but I had to cover the extra labor cost, because Horizon only covered X amount of the Hourly Rate. I was told I had a $100.00 deductible and that’s it. Today I paid almost $500.00 out of pocket. I’m very disappointed with this warranty. I hope will help someone.

Dishonest company. Each time I called them about a claim, they gave me a different story to avoid paying, and lied! This went on for 3 months! I got my car fixed out of pocket in an emergency. Called them with my situation and they assured me of a refund stating that since this was my first claim I can get a refund. They said they can only do this for first time claimants, which was fine by me.

Grade “F” for customer service! I am getting ZERO response from Portfolio One, on my requests to cancel both of my RV extended warranties! Very frustrating having to spend hours calling and emailing Portfolio One to get a response. Add Lemke RV, Rocklin, CA.

I am currently experiencing a long wait time for approval. I have a transmission issue that the dealership says should be covered. However we're still waiting for approval. It's been over 9 days since the initial claim was filed and a decision still hasn't been made as to whether or not the warranty work will be covered. I would not recommend this company to anyone and I will be looking to change as soon as I can to anything that would be better than this.

Very dissatisfied with Portfolio. Starts at the end of October 2025 when repairs were needed due to leaking and failing hoses on the oil cooler and a couple of other areas. They paid just over $1200 for the repairs. Ok, not bad. Now in January a week and half ago I was returning home from a local high school basketball game and my vehicle started running rough. The next morning I drove it to a dealer and left it with them. They called first thing Monday and said that the lifters failed and that I would need lifters, pushrods and camshaft. They submitted it for approval with photos and video to Portfolio. Portfolio came back and said the dealer needs to tear it down. If they did not approve the claim I would be responsible for the $2500 cost to tear down the engine. I agreed (reluctantly) and the dealer submitted photos of the damaged parts.

The gap insurance policy is the absolute worse investment one can make. It does not pay anything. I made all my payments even after the car was totaled. Eventually paid it off while waiting for the gap to kick in. Buyer beware.

Run Away. I’ll keep it short and sweet, This company is flat out dishonest. Never again! I had my window replacement warranty for 2 years, never used, then traded cars. Denied pro rated refund or transfer on a 5 year warranty. Truly sad when companies don’t stand behind their products.

I have only had my Highlander 8 months. The extended warranty was provided to me by the dealership at the time of purchase; I did not purchase a separate warranty product. Based on the information given at the dealership, I was told repairs could be completed at any repair facility. I was never informed—verbally or in writing—that I was required to call in for prior authorization. Less than eight months later, my warranty claim was denied and I was told the warranty was now void. No one has been able to provide any signed documentation or contract language showing that I was required to call in or that I violated the terms of coverage.

I have a 2019 BMW X5, and when my turbo went out, the dealer told me it would cost over $5,000 to fix. I almost started to cry. Thankfully, my husband reminded me that we had purchased the extended warranty. The process was incredibly easy. I gave the service advisor my warranty information, and everything was covered. I only had to pay the $100 deductible. I can’t even express how happy I was especially around the holidays. Even the service advisor commented on how easy the process was.

This company sucks! Do not get a extended warranty through these pos! Charge $3,500 that was supposed to be bumper to bumper! Son's 2023 Nissan Rogue with 65,000 miles on it and his car dropped to idle, he got it off the road and had it towed to Nissan in Milwaukee. Portfolio says over the phone you have to tow if over 40 miles to get fixed for them to cover??? What bullshit Kunes. Had his car from December 20th - January 6th and didn't even diagnose the problem! Kunes sucks, don't buy cars from them! I think they have something like working with portfolio to rip off the customers! If I could give a negative 20 I would! They suck and so does their customer service and support!

What a scam. Don't buy this. So horrible. They commit fraud. Don't waste your hard earned money. They denied my claim because I had a sign on my door for my painting company saying it was being used for commercial purposes. Go figure. A 2500 dodge ram. It's a commercial truck.

Horrible company to deal with! Should be investigated for fraud. Please don’t waste your money, or deal with dealerships that sell their protection plans. They simply steal your money and deny your repairs.

Total scam. Sunroof on my truck has a bent frame somehow and needs to be replaced. They approve the replacement however my windshield has to be removed to do the job. They do not cover the windshield portion of the job. Tell me how to do the job without removing the windshield?

These people are the worst of the worst. They claim that they need a service report on my vehicle. I supplied them with a CARFAX report with dates/work performed etc. They claim that they need the actual invoice. What kind of explicit terminology is that? There needs to be a class action lawsuit filed on these fraudulent types of organizations

Less than one star. My claim has been denied two times with two different claims due to “lack of maintenance” which was refuted by the dealer on multiple occasions. Multiple copies of documentation was sent multiple times. Emails from company were sent by mistake multiple times by different individuals. The warranty lead specialist even was trying to get my claim approved, which proved that I was compliant with the requirements of the contract. But authorizers still denied claim because of price and are going against contract.