Portfolio Protection Vehicles & Services Reviews

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.

One word.... DON'T.... just DON'T! For reference, my repair was simply tie rod replacement at a Ford Dealership (a few hour job). First off, it takes AT LEAST 2 days to get a response from them weather you or a service tech calls the necessary number for repair authorization. And if there is a follow up call needed, another 2 days AT LEAST for an answer, so a simple repair can and most likely will take a week plus to get resolved. My simple tie rod replacement took 3 weeks! Then, once you get approval for repair and after the work is done, they don't cover average hourly labor cost or average parts cost as stated in the service agreement. Shame on dealerships that sell this trash with new vehicles ! Just wish I would have researched this warranty company before purchasing this with my vehicle, I guess I'm not alone here... 0 stars.

Portfolio one warranty worked out for me. Got my car fixed in a week. I gave them A++++. Customer service was great to me. I give them A+++++ And I am very happy with my warranty portfolio one A++++++. Very satisfied with my warranty and thank you again.

Bought a new Ram 3500 in 2018, let the dealer do all maintenance and Service so if something happened, I would have maintenance records. Had a warranty claim for my radio and cruise control. They fixed it no problem. Then, a year later, I had a transmission problem they denied it. Said because it was a 3500 commercial truck. They had no problems taking my money and fixing it the first time... these warranty centers are here to make money. If you have a major problem, they will deny you this company has a terrible record. Don’t let the dealer ship sell you this warranty. I thought what I bought was a factory warranty they never disclosed that to me. Go online reviews everywhere, this company is terrible.

If I could rate Portfolio a 100 stars negative I would. I bought the best policy they sell for a used truck. I have taken my truck to two different dealers for the same issues. Both issues are covered under my warranty. Portfolio refuses to pay for the repairs and says there is nothing wrong with my truck. Don’t give them your hard earned money. Portfolio does nothing for you but give you lots of frustration and a run around.

Very difficult to contact company regarding transfer of EW contract to new owner. Phone numbers link the account to the Assurant site related to the car's built-in 60K warranty. I'm suspicious that these EW are often not a legitimate product.

I would give negative stars if I could. This company is a huge scam. I paid over a year into the program only to get a huge dent scrape in my bumper from a parking garage. I called and they said they would only fix dents that are exactly 2 inches in length with no paint issues. REALLY??? Wow. How amazing, I wonder who can ever get anything from this company. They steal your money and this is written in micro language and you're left high and dry.

This “warranty” is a joke. The forever warranty they offer is supposed to cover the powertrain, but when I had an issue with the transmission they wouldn't even cover half the cost. Everything should have been covered under this warranty and they would only pay for 1 hour of labor and wouldn't cover the full extent of the parts. I ended up paying over $600 because they refused to honor the warranty in full. The dealership said they were made to jump through a bunch of hoops which was out of the ordinary with most of the extended warranties they deal with. This company doesn't honor their commitment to cover issues that should be covered. I would never recommend this place!

I bought a 2022 Springdale by Keystone with a 5 yr Extended warranty at COLTON RV in North Tonawanda NY. Recently my Fridge crapped out. I took it to RV unlimited for repair. When I mentioned I had an extended warranty they told me it could take a while for that to go through so they informed me I could pay out of pocket and submit the claim after. Well I was given wrong information. When I submitted the claim portfolio said that RV unlimited was the reason and RV unlimited said Portfolio was the reason. Then RV unlimited tried to sell me there warranty. Well Colton RV won’t return my Phone call now and I’ve about had it.

Please please!! Don’t use this company for gap insurance. They will claim they haven’t received documents when you sent them time and time again. They will avoid paying out at all cost. Please don't use them. Save yourself the headache and financial stress and go with another company.

Purchased extended warranty 3500.00 on a 2022 5th wheel trailer. Door of refrigerator bottom plastic frame broke. The refrigerator has been discontinued therefore we have to replace refrigerator per repair shop. The claim has been denied because the door is not mechanical but the refrigerator doesn’t work without door. New refrigerator cost plus labor cost 7,000 to 8,000. Poor customer service, they will not let me speak to adjuster, not willing to work with me. This warranty that they sell is taking advantage of people. I would never make the purchase again.

Our car needs a torque converter. It skips when driving and was diagnosed by dealer. Portfolio was horrible, NO communication and denied the claim. Took 2 weeks, then denied. Awful company. You can't even speak to a customer rep!!