Portfolio Protection Vehicles & Services Reviews

This is by far the worst company I have ever dealt with. If you have this company for your gap insurance I suggest that you either cancel it because it’s not gonna do you any good or or ask to get with another company because they will lag and make you do all the footwork and tell you that they cannot do anything. They have me going back-and-forth from my insurance company to the police station. After I seen the paperwork they asked for they asked for more.

If Kafka and Orwell collaborated on a business model, they might have birthed something eerily similar to this vehicle warranty company. Engaging with them is like playing chess against an opponent who insists the rules change every time you’re about to win. One can only marvel at the Kafkaesque bureaucracy, the labyrinth of fine print, and the dazzling display of strategic incompetence they’ve managed to weaponize against their own customers.

Total Scam!!!! I purchased an RV. I purchased the GAP insurance thru Portfolio. Thought I was covered! NOT! My RV got totaled when it got beat seriously by hail. I had only had it for 2 years. The insurance company paid out but it wasn't enough. It was $8000 short. I filed the paperwork for the remainder thru Portfolio. They refused to pay the difference. The dealer I purchased it thru called them and they still wouldn't. I ended up talking to a Supervisor and he said he would send it back thru. I asked if he would send me an E-mail saying that he was doing that, He said he would not! I am stuck paying the difference on that RV. They have no clue what GAP Insurance means.

Horrible process and an attempted scam. I had to threaten a lawsuit over the course of two months to finally get reimbursed for a car repair that was explicitly covered under the warranty I paid for through this company. Absolutely terrible company.

I have had the worst experience imaginable with Portfolio Co. They have sought every possible technicality in order to try denying my claim, before they ultimately approved it. They asked me to track down every record possible, took forever to get back to me, sent adjusters out multiple times all trying to deny a major claim of mine that would've left me with a $5k bill. At the end of this, I am simply trying to get a rental car issued because I've been without my primary driver for 2.5 weeks, and now they have passed me back to the dealership, to a different warranty provider, etc.. PORTFOLIO CO DOES NOT TAKE CARE OF THEIR CUSTOMERS. They claim on their website they are "with you" and that could not be further from the truth. Embarrassing service.

We purchased an extended warranty with Portfolio for our 2023 Suburban in January. We are having transmission issues with it and it's been at the dealership for 4 weeks. Portfolio keeps running us in circles on the claim. I would not recommend portfolio to anyone looking for extended warranty.

This warranty company is a joke. My 2016 Cherokee had a slight banging issue with the rear differential. I took it to the dealership to be serviced, they put in a claim and Portfolio Protection (Warranty Forever), sent the service center a differential to use to replace mine. It wasn't a new part, it wasn't even refurbished. It was just pulled out of a Cherokee in a junkyard and shipped to my dealership. It is in worse shape than the current one that is in there. I tried calling, it took 6 tries to get someone who wouldn't just transfer me to an automated message.

Portfolio is not the problem. The repair time STG automotive repair is the main issue. It's takes a week or more to diagnose problem and get approval, another 2 weeks for a simple repair. This happens every repair, every 3 months goes wrong with the vehicle. Getting to work, children to school has taken a toll on my family. I would not recommend.

Recently bought a brand new Mazda. The dealer kept bragging about their "free" Warranty Forever product through a 3rd party supplier. They promised that I'll be covered for powertrain as long as I own my car. Sounded great until I did some research and asked questions. Here are a few things I found out. 1. This protection starts after the manufacturer 5/60 powertrain warranty ends. Sounds fine so far. 2. You need to continue to follow the maintenance schedule exactly (1000 miles wiggle room). Only approved service centers. If you don't, the coverage is voided.

I wish I could write a positive review. And will update this if I can find a satisfactory conclusion. I've played phone tag with this company since october and thought I had finally gotten things taken care of in december. I did everything they wanted me to. Had the repair shop jump through hoops to get everything they asked of me and even had authorization that if I did what they asked my claim would be approved. Then after the repair was done, they said that I would have to pay for the repair and they would reimburse me for the diagnostic and repair. The first few months after the repair I would get an automation that they would call me back within 4 hours which apparently means they will call me back midday the next day. As soon as I would answer it would hang up and now I'm stuck unable to return the call.

I bought a warranty with Portfolio and felt good that I was ok if something like my engine failed. Turns out they make you jump through hoops and never intend to pay out on any car covered ever. They call it Warranty Forever but it should be called Warranty Never! I'm a single mom that is a teacher and I can't even get to work because my car is worthless and the warranty won't cover what I purchased the warranty for! DON'T EVER TRUST PORTFOLIO!!!!

Scam. The only goal and guarantee they will offer is NOT to cover your claim. I did everything I was suppose to do. I drove 2 hrs away to my home dealer to have oil changes done with in their recommended time frame. I have a problem with my vehicle now, a 2017 Honda Pilot Touring, they are denying the claim. Alleged, I went over the miles between oil changes, when I called their 1800 number 1 TIME, to let them know I could not make it all the way to my dealer I would need to go somewhere closer and their Representative completely discouraged me saying, I still had "10k miles to my next oil change" and saying "your car only needs 3 oil changes a year".

I was reading all this bad reviews after I purchased this warranty, and I thought I made mistake. But my claim was accepted same day, everything went smoothly, I don't know what are you guys talking about here TBH.

Pamela ** here, I just purchased my 2020 BMW X7 M50i. My front differential just blew and cracked my oil pan. I'm now just waiting for a response from Portfolio Co. Reading these reviews have me on edge. I have briefly spoke with someone and he was very helpful and assuring so hopefully I will get my baby back soon with the process of Portfolio Co. I will keep you guys updated.

This company is trash. My vehicle broke down due to the power steering pully locking up. When I started my vehicle since the pully was locked up the torque broke the bolts that hold the pump in place. This company refused to pay the extra labor hours it will cost to tap and remove the broken bolts from the coming belt cover. Also won't pay for a new timing cover instead of just removing the bolt. All they say is we do not cover fasteners, even though the part they are covering is the reason the fasteners broke. This is robbery and thievery. Reporting them to the BBB and FTC. Do not purchase from these people.

Joining the ranks of all the 1 star reviews.... I have spent some time reading all of these horrible reviews around Portfolio. I have cancelled my extended contracts. Simply due to the fact that this company Portfolio Protection Vehicle & Services is so closed minded and not willing to help their customers. My story is this and sounds familiar to many I have read here. In October 2022, we purchased a pre-owned Infiniti QX80 from Foundation Chevrolet here in Denver. At the time when we sat with the Finance Manager who I understand was fired 6 months after we bought the car. This guy did nothing more than boast to my wife and I that we were buying the top of the line Extended Warranty Plan and NEVER once told us that all oil changes had to be done by them.

I believe they are a complete scam! I've been trying to file a claim for over 3 months. It's impossible to get through to anyone. I don't usually write negative reviews, but if I could save just one person the $7000. I paid for nothing, it would be worth it.

Thank you Julio and Les at portfolio RV insurance for getting us a new AC when we were in the desert with the temperature around 100 degrees. My 84 yr old disabled vet husband with breathing challenges and multiple health issues is now comfortable again! Thank you so much!

Do not get warranty through this company. They don't pick up the phone when service department called them. They put you on hold for over 30 mins..We had to pay the dealership service department out of pocket.. We provided proof for the claims and payments and they refused to reimburse us the full amount.

My experience with Portfolio has been horrible. It’s been 3 weeks now since my vehicle broke down over an hour from home and still no answers. They requested maintenance records which I submitted within 12 hours. They then told the dealership that they needed to send an inspector out. Told the dealership they would be there Monday. It’s Friday. Still nothing. I’ve been on hold with the warranty company numerous times with no one picking up my call. My anxiety is through the roof with not having a vehicle, not knowing how to get my child to school, how I’m getting to work, the costs of having my vehicle towed, Lyfts, etc. I wish I would have looked at the reviews for this warranty company before purchasing a warranty from them. You purchase a warranty for peace of mind, not the case with Portfolio.

This warranty company is horrible. They will not pay to fix your car. I had my car towed to the original dealership where I purchased my car and this warranty. That dealership wrote on the service form that they weren’t able to fix my car due to not having the right equipment. They sent my car to the dealership that is the make of the car. They sent Portillo warranty 5 different times maintenance records and each time they denied the request. The dealership was saying I needed a whole new engine. It is very common in this make/model of car that need new engines when they reach a certain high mileage.

If I could give 0 stars I would. I’ve paid for Warranty forever along with the auto loan on vehicle for the past two years. Since Feb of 2024 to currently March of 2025 I have been trying to get the suspension of my truck fixed, which under my warranty agreement, is supposed to be covered for the lifetime of the vehicle. A year later, they’ve consistently denied claims for false reasons and only overturned those decisions once complaints were filed with the BBB and States Attorney General. Even then, I’ve not received approval for a rental even though my warranty covers such. I’ve not received refunds for expenses paid out of pocket to fix the truck. I sit on hold for hours just to reach anyone and that’s only if I lie and say that I’m a dealership calling because if you say you’re a customer they won’t even give you the option to sit on hold. They say leave a call back number and never call you back.

Warranty claim by Ford dealer was rejected by Portfolio Potection. Sent in all the maintenance records. Per their guidelines oil changes had to be done every 10,000 miles with a grace mileage of 1000 miles. Now they are telling me no grace period. Cam phasers are a known issue with ecoboost motors so going over the max mileage by 850 twice in 92000 miles will not make a difference. This company is a fraud. Car dealerships should not be selling warranties for this company. Social media and LinkedIn are great platforms to get my message out.

This “warranty” is worse than the worst… of ANY PRODUCT or service. The people selling this are SCUM. They KNOW they are blatantly STEALING YOUR HARD-EARNED MONEY, KNOWING full-well that you, their “valued customer“ will never have this piece of useless paper, that looks official, honored. DO NOT HESITATE TO REPORT THEM TO THE ATTORNEY GENERAL. READ their reviews. Maybe 2 or three are written by their own employees if the reviews are above a “1.” This is a “1” because there is no zero.

The denial of my extended warranty claim for the failed headlamp and daytime running lamp control module on my vehicle. The denial letter provided to me was vague and failed to specify any contractual basis for rejecting my claim. The policy language itself is ambiguous, as it does not clearly identify these parts as excluded. Denying a claim based on unclear or misleading policy terms constitutes deceptive business practices and violates multiple consumer protection laws.

The gap policy is trash. They make you jump through leaps with a stupid checklist. We have done everything they have asked us to do, we have sent in every document they have requested from us and they still continue to reject our claim. We filed a claim to have our 800.00 gap addressed on the car and the way they are making us work our ** off to pay the gap is absolutely ridiculous. This company is trash! When I called to complain...the representative was rude and continued to cut us off and speak over us. My name is Carol **. My gap contract number is **. If anyone at this company wants to make this right. Please give me a call. If not...I will continue to write negative review about this company.

I purchased a vehicle with Portfolio warranty. In the beginning there were no issues. Now I've been waiting for a response from this company on a repair that I've had my vehicle at the dealership since November of 2024. Portfolio will not return the dealership's endless calls and emails or mine. I've called portfolio myself as early as today. No answers no response! As a customer paying car payments this is completely unacceptable. I will never recommend this warranty company to anyone. Please call Blaise Alexanders Selinsgrove Pa!!!!

at final review. Will filing complaint BBB.

I have been trying to get in touch with this warranty company since 9:30 am this morning. It is now 3:52pm.. I have been trying to get an update and so far nothing. I am leaving this review in the hopes that somebody will call me back. I have had to wait on hold before but this is ridiculous.

Portfolio Protection Everdrive Powertrain Warranty is the biggest scam in the warranty business. Provided meticulous service oil change records that the owner performed, and this company denied the claim. I also discussed the fact that I do all my maintenance with the dealer at the time of purchase and was told that I would be covered as long as I had service records. I requested a call back from a supervisor, but no one called me back, just denied my claim.

Never buy again. Always say bumper to bumper but anytime you have a problem they say that's not covered. I understand regular maintenance is not covered. Don't say bumper to bumper if not going to cover things that aren't regular maintenance.

My husband and I bought a used SUV. We’ve had it for a year and a half and we’ve had to take it in for several repairs already. The first few times portfolio was pretty efficient and had it taken care of. I recently brought the vehicle in due to a solenoid issue. My vehicle has been sitting at the ford dealership since February 4th. My service advisor has called several times to find out why the vehicle hasn’t gotten approved and what’s taking them so long? The answer she keeps getting is that it’s in, “Review”?

This is a terrible insurance company with poor management and organization. I purchased a Plan F Hi-Tech policy which covers the repair that my car is currently in the shop for. First, they denied my claim on 02/11 even though it was clearly covered under my service contract. My service technician tried again on 02/12 because IT IS COVERED. It finally goes into “Processing” status. Now, I need a release from my original selling dealer to get my car serviced at another shop. I purchased a Mini Cooper with Portfolio warranty from a Honda dealership. The original selling dealer (Honda) cannot complete repairs on my car so I have been needing to go to a Mini dealer which is unfortunately within the 50mile radius of the original selling dealer.

The extended warranty I purchased has been the worst experience ever. You can only use it at the dealership where you originally purchased the vehicle, even if that dealership is unable to perform the necessary repairs. You must then find another repair service that will accept the warranty and attempt to get it transferred for service. It has been a nightmare. Don’t bother getting the more expensive full-extended warranty that claims to cover everything bumper to bumper, as it doesn't.

I would give negative review if I could. Spent almost $8000 for the Platinum package just to find out they are giving you trash coverage. Portfolio works hard to earn that 91% 1 star review. Simply look at their response here “Benefits are listed on the contract, and claims are reviewed in accordance with the contract.” 
I cannot be upset if any of my issues were in the exclusion list which the service advisor double checked together before we submitted the claim for the problems I got from the car. We already expected they won’t cover the sound system going weird but the steering wheel with electrical issue. Who knows what would happen if more problems will occur if there is something really wrong happens after?!

I can see here that this company has a history of not paying claims. My Truck has been in the dealership for over a week. My claim has been in review for just as long. It's a 1000 dollar part and labor. They take 24 hours to get back to you if you even speak to anyone. Continually telling you it's under review. Nothing gets Done. The latest is it's not at the right dealership but we meet the mileage requirement. Needless to say you can't drive it over an hour away when broken. You buy a warranty for peace of mind. You don't get that here. You get ignored and your Truck sits unfixed. I paid over 7000 for this warranty. I would give you minus stars if I could!!

It has been a week since my claim was submitted and I still have not received authorization to proceed with the fix. My truck went into the dealership and it was determined it needed a new transmission. The dealership has contacted portfolios several times via email and phone. Most of which have gone unanswered. They have submitted the required service documents and were told they would have an answer yesterday by 1230. We still haven’t received an authorization. I have called several times but the only option is to be put on a callback list. You can’t even speak to a representative. I still have not received a callback. They seem to have more representatives monitoring the business rating sites than their actual phone lines.

Oh what can I say about Portfolio One besides the fact that they are absolutely horrific to deal with. We have owned our vehicle for 6 months and the transmission went out. We pay for a “Premier” warranty. It took them 2 weeks to get someone out to the shop where the car was located, write up their own report although one was sent to them already, and “review” the case. We called for three days asking about the car and were told they still had 24 hours to review the case. Finally after threatening with a Lawyer they approved a used transmission but wouldn’t cover the transmission flush that is done also. We were also responsible for some labor. Now, I will say the $500 bill is much better than $4,000 but their customer service is subpar at best. Stay clear!

Absolutely horrendous, have denied claim because all oil changes were not done at exactly 5,000 miles some were at 6,000k and some at just over 7,000. When the fully synthetic oil used said good up to 10,000 miles. Would not even inform me of my denial. Just left me in the dark for almost 2 weeks with no contact. Whatever you do NEVER buy a warranty or any other products from this company, they will take your money all day long but deny you when you try to use the service.

Wish I could give 0 stars. My vehicle was brought to the dealership for engine repairs and come to find out I need a new engine, ok I'm not worried I have a warranty. Well they want service records, I provided 2 recent oil changes from a mechanic shop showing nothing major going on with the engine but they want more. My son is a mechanic, actually worked for the dealership the vehicle was brought to and did a few oil changes at home prior to the recent oil changes done at home, I did not think of keeping receipts for oil I purchased. Now they're trying to deny the claim because I can't provide mileage information for oil changes done at home. How many people do their own oil changes and don't think of keeping receipts.

I have been attempting to contact Portfolio for 2 days to discuss a rental car as our vehicle is currently at the dealer being assessed for repairs. All I get is an automated - please confirm your callback number and we will get back to you. No calls are ever returned/received. Very discouraging considering I paid for the highest level of warranty for our vehicle.

I just got off the phone with Anna from Portfolio and as it turns out, the part IS covered by the service contract and the claim that was denied will be re-opened. Thank you Anna. I’m grateful.

Updated on 01/06/2025: This is a continuation and update of my review dated December 26, 2024 regarding our for the failed transmission in our 2019 Honda Odyssey. After numerous calls to Portfolio Protection regarding the status of our claim, I finally received a call-back on December 27, 2024 and was told that the company had assigned a third-party inspection of the vehicle to verify the claim. The representative said once this inspection report had been received, then a claims adjuster would review it (and make a decision I guess).

I am currently working on my second claim for repairs of items that are stated as covered by my extended RV warranty and so far it's just like the last, they lowball and don't really cover all the things that say they will. This claim is for my refrigerator that stopped cooling, which is very typical of rv refrigerators. My rv shop submitted the claim for diagnostics and replacement. Portfolio only approved 2 hours of service including diagnostics which is absolutely ridiculous to think they could diagnose and replace in 2 hours. Then they approved a lower price for the replacement since "they found a refrigerator at a lower cost online", instead of going to the manufacturer website to obtain a like replacement from the manufacturer.

Blew my engine more than a whole month ago and they still keep telling me we need to wait 24-48hrs every time I call. Inspector took a whole week to inspect the vehicle from the 24-48hrs that they promise you. All customer service says it’s sorry for what’s going on with your vehicle( sorry is not cutting it) when I ask to speak to a supervisor there’s never a supervisor available. Told them I could lose my job if I could not get to work until I eventually did due to long duration of them not getting my car fixed to attend work. Even if I did get a rental they only cover 35 dollars a day for 5 days which they expect you to pay and then refund you.

As with all the other reviews on here I've had a horrible experience with this scam of a company. My vehicle was in the process of being sold on consignment to a new buyer, but buyer backed out because the truck wouldn't engage reverse. I immediately got my vehicle and brought it to the dealer who sold me this 5 year, 60K warranty on my used 2017 Titan. Service department verified transmission had failed. Asked for service receipts which were provided to dealership. Service department couldn't tell me for sure if Portfolio had received or reviewed documents as if they are in cahoots with this company to avoid paying out claims.

Customer brought in their "new to them" vehicle with an expensive "all inclusive" warranty from Portfolio Protection. Vehicle had an obvious head gasket leak that was denied, ostensibly because nothing else was broken. Apparently you have to destroy the engine to be covered when you pay over 5k for an extended warranty. Absolutely worthless warranty. I'm my opinion they should be ashamed for taking advantage of people who just want peace of mind while buying a car.

2.5 months of fighting to have a transmission replaced to no avail. Numerous calls, providing information etc then my calls were no longer answered and no response. I was finally told I would be refunded 20% of the warranty cost and I was on my own. Now I have a car I can't drive with a useless warranty. First claim I've ever filed in the 4 years I've owned the car and flat out declined.

Updated on 03/03/2025: Absolutely nothing has been resolved. Portfolio didn't have the courtesy of call me after numerous calls on my behalf. Anna ** referred my case to someone else without letting me know the status. I spent weeks and months going back and forth trying to find out what the next steps are. I was told to take my car back to their shop a second times to reevaluate the repairs. I truly believe after several trips to the shop last year that my car was misdiagnosed. No one should be treated this way. The reason I purchase the warranty was to repair my car. Not to give you $2k and be ignored.

I bought my F250 and it came with Warranty Forever. I bought it from a Kia dealership 6 hours away so had to have general service done locally. I faithfully took my truck to a local Ford dealership for service within the required maintenance window and have full documentation. I forgot to pre-auth my last service in November, so called today to let them know I had service done and could provide paperwork. They cancelled my warranty because I didn't get the oil change pre-authorized for a FORD dealership. Yes, I'm sure the contract states service intervals must be pre-authorized. People forget. What a snaky loophole to get out of paying for future warranty claims. It doesn't sound like I'm the only one who's had this issue.

I have Portfolio through the dealership I purchased my car from. I made my purchase based on my Forever Warranty. I have filed 3 claims and the halfway denied my claim for a fuel pump because I live too far from the Nissan dealership I purchased it from even though I live almost an hour away and it was not drivable. I managed to get it to the closest dealership in my town. It was a Dodge dealership. My car is a Dodge Durango. Didn’t matter. They had a loophole and I got the short end of the stick. Now they denied another claim. They used another unreasonable reason. Then I call to dispute and was told on a recorded call that there is no appeal process. Their decision are final. Questionable business practices. No one will help. Now my car sits at a dealership in California and I’m carless in Utah. Not to mention that my car is equipped with a mobility scooter ramp. I’m disabled and it is still my ramp is on my car. So frustrated!!!

Terrible response from the company. My car sits at the dealership because the repair is "under review" purgatory. Customer service can provide nothing other than "Your vehicle claim is under review." Please be aware, if you use this company you will be at the mercy of their "review" process. Count on not having your vehicle back for an extended and unreasonable amount of time.

Worst experience dealing with this company. When I purchased the warranty I was told I could take it to any authorized dealer for repairs. I have a a Toyota so I took it to a Toyota dealer. They provided me a diagnostic but Portfolio is denying the claim. They are stating I must take it to the dealer where I purchased it. I purchased it at a Hyundai dealership. They are also denying the diagnostic fee that I’ll now have to pay at Toyota. I asked to speak to a supervisor and was basically told me no one was available and that they couldn’t do anything for me. I’m now going to look into how to cancel this worthless warranty.

Had an extended warranty on last RV. Had a few problems but nothing terrible. Got new one a year ago so RV just out of factory warranty. Had terrible water leak on a Friday night. They are not open on weekends so unable to get pre approval. Called Monday am. Said they would allow it one time as a favor, without pre approval, and to send receipt. I did. Came back couple days later with email. Had many requirements and had to reply to their email!! Not being computer savvy, took me a long time to figure it out. Supplied everything they asked for including many pictures of what TV tech found and what he did Waited 39 days. Got a rude email stating it is denied because it wasn’t on an official invoice!! And didn’t have my signature that the work was completed.!! I’m done. Going to Better Business Bureau with this scam.

I will never use this as a warranty again. I've talk to 15 different people and car is just sitting at dealership not getting fixed. Nobody knows what's going on. They just direct you to different people. I don't know how y'all are even still on service. It's that bad. If I could give zero stars I would.

The “Contract Administrator” First Extended Service Corp. Executive Team reviewed my claim and contacted the “Contract Provider” Portfolio with additional information. Portfolio re-evaluated my claim and issued and additional $1,111.25 as reimbursement. I am 100% satisfied with this decision. Thank You!

I recently had a frustrating experience with Portfolio Protection that I feel compelled to share. After holding my Portfolio Protection agreement for five months, I sought to cancel the service. Initially, I contacted their customer service by phone, where I was advised to reach out to California Beemers Teslers in Costa Mesa to process my cancellation.

These guys are horrific! Was told they would cover labor on a part under manufacturer warranty and now they refuse to cover it. I would strongly recommend going with another warranty company. Now, the reps are decent, but the company itself sucks!

I give this company a one star rating only because I cannot leave a 0 or negative. In June 2024 I purchased a 2018 vehicle with about 72k miles. The dealer sold me a Portfolio Extended Warranty, Their "Plan H Hi-Tech" plan which offers their most extensive overage for 48 months or 48k miles. That plan was $4k. The vehicle just has 7k+/- miles since purchase and I have it in the shop. The engine threw a code on or around Oct 5th. I called Portfolio on Oct 7th, as their contract states, because I am outside the mileage to return to my purchasing dealer and was told I can take it to any local Ford dealer.

Purchased an extended warranty through Portfolio on my 2019 Mercedes cls 450. Paid $4500 for their best plan. My Thermostat went out on car. Car is still under the warranty. Took in to the dealer. They said they don’t cover Thermostats. Find this highly skeptical. It’s part of the coolant system. My adviser at the dealer tried and tried to get a hold of them. Got transferred 4 times. This process went on for almost 2 days while my car is sitting up there. Finally got ahold of them and denied the claim straight out. To top it off. They only cover $50 for roadside towing. Do NOT go with this company. They are frauds. Eventually they will have a class action suit against them. This company does not care about their customers. It’s all about the money back in their pockets. The REVIEWS explain it all.

If I could give zero stars I would. I purchased my warranty as an added peace of mind for when an issue arises. I purchased one of the best warranties offered by Portfolio Horizons for my 2020 Chevy Traverse. My traverse needs a catalytic converter and the exhaust manifold is cracked. The dealership called Portfolio to get authorization, they denied me. They came back saying the catalytic converter isn't covered. However an exhaust manifold is covered, the catalytic converter is BOLTED to the exhaust manifold. In what world are you rightfully denying me? The only party benefiting from these warranties are the company themselves.

We purchased a one year old park model camper and they convinced us to buy Portfolio Protection for the camper. Initially I said NO, most warranty companies never really pay out. The dealer convinced me this Company was amazing and everyone works with them. 9 months after purchasing our camper the refrigerator stopped working. We called to make a claim and could not find any repair companies that would work with Portfolio. We called Portfolio and explained this to them and they told us to pay out of pocket and send in a PAID receipt so they could write us a check to reimburse us. We paid over $3000 and sent in our PAID IN FULL receipt 4 months ago and STILL have not received any check. After calling multiple times and being told it is under review again, I am ready to notify every news station and let them know how this company is completely scamming people.

If there was a zero star, I would have selected that. Our 2019 KIA SOUL had two issues, recently and of course neither was covered by the warranty. The first, the key was stuck in the ignition. We had to yank it out of the ignition, to turn off the car and to leave it in a parking lot overnight. The warranty company denied the claim since they said it looked like someone had attempted to steal the car. Again, we had to yank the key out unless we wanted to sleep in the car from 2 am until 9 am, when we could get it towed to the dealership. Since the warranty claim was denied, the towing of the vehicle charge was denied as well, and we were stuck paying $140.00 for the diagnosis of the problem from the dealership. We also had to pay over $1000 to have this issue fixed.

2019 Coachman RV, purchased new, to protect the interior. The legal speak is way too confusing and this place is worthless. You pay over $3k thinking you will be covered and then find out, oh wait a minute, you continued to use your RV after you contacted us with a problem and did not get the estimates in a timely manner (no time frame was given to us to turn in the estimates). Their reasoning is "We continued to use our RV". Of course we used our RV, we live in the RV traveling 6 months a year. I will be contacting Coachman Factory & any Coachman dealership I see and in the strongest possible way encourage them to stop working with Portfolio Protection. Stay away!

I purchased a used 2015 KIA Soul and the extended warranty from Portfolio in 2022. Nothing I have had done to the car mechanically has ever been covered. Now the car is using more oil than it should. I took it to the local KIA dealer and they contacted Portfolio to see if they would cover the combustion clean which they declined. I asked, and the dealer said that Portfolio would not cover engine replacement until engine damage was evident. What happens if I am miles from home? I am a 100% disabled retired combat veteran and I think it's terrible that I spent 3000.00 for an extended warranty that I have not been able to use. I will tell you I will never use Portfolio for my future vehicle I might purchase.

I would advise others to request a different company when proposed with a portfolio service contract. I bought a 2016 sierra with AFM in Sept 2022 with a 3-year/36000 mile warranty through Portfolio for 3200. First time in the shop for a misfire was an incorrect diagnosis of something not covered, no fault of theirs. Second time in for the same misfire was diagnosed as fuel injector replacement, which was covered under my contract. They covered the injectors, approved it quickly, and all was well. I was still having misfire issues and one day the AFM lifters failed. These lifters are a very common issue amongst these vehicles, there was a class action about it due to its prominence. I figured the experience would be the same as the injectors, but I was mistaken. They asked for service records for oil changes before approving the repair, which I do understand.

This optional car purchase insurance is a total waste of money. DO NOT PURCHASE IT. It's a waste of money because they are quick denying an automobile repair claim the the selling dealer represents which I'm sure they get a cut.

Purchased the extended warranty through the dealer, and while still under warranty, I experienced power steering failure and vehicle power loss while driving which is an extremely serious and dangerous issue. Took the vehicle to the dealers service department, where they determined the issue was due to fuse block resistance and needed to replace the fuse block along with the cable. I was advised by the dealer service advisor that it is a common issue on Chevy Silverado's and he was confident that the warranty would cover the repairs, however, Portfolio "denied" the claim, stating that since the black negative cable which is not under warranty is connected to the fuse block which is covered by warranty, they would "not" cover neither, including the the fuse block which was apparently covered by warranty.

Avoid Portfolio at All Costs - Terrible Service and Deceptive Practices. Portfolio deserves an award for the most egregious and frustrating process, coupled with the absolute worst customer service imaginable. My daughter was in a serious head-on collision last December, resulting in the total loss of her car. Dealing with Portfolio Insurance since then has been a nightmare.

If ZERO was an option I would have chosen ZERO! We traded a truck from "Red Rock Honda" when we had a breakdown 2 years ago. We gladly purchased a 7 year FULL extended warranty for $3400.00. Good for 84 months,150,00 miles, expiring 4/15 /2029. Our truck had 28,000 miles at purchase and it has 46,000 miles now. The transmission went out on the new 2018 truck. We took it to the Honda dealer and they verified that the transmission needed replacing. 2 weeks ago. We have provided proof of oil changes, not that oil has anything to do with the transmission. We are communicating with them directly as they are giving Honda the runaround. Never the same person and always the same response.

Repair was finally approved thanks to Portfolio!

I have had my vehicle for six years and Portfolio gave me the runaround requiring receipts for all service, CarFax, was not acceptable and after giving them all I was told the vehicle did not tell me when an oil change was due soon enough (13,000 miles with recommended change at 10,000). This was 60,000 miles ago and has no bearing on a general wear and tear issue (rear main seal). They will find any and every excuse to not pay out. Anna who I spoke with as well as Darius were incredibly rude and demeaning. I cannot express enough how terrible this company is. This company is terrible, do not buy from them.

Don’t buy their warranty. I bought a used car at 50k miles and the warranty. Nearly a year in, the head gasket failed and they refused to cover it because of an exhaust. They constantly said the exhaust caused the engine failure. If you know about cars you know that’s not possible. It only had 10k miles put on since purchase, and it's a clear manufacturer’s defect. It doesn’t make sense because, the manufacturer themselves has aftermarket exhausts on their cars, and they still warranty it. Not only that, when my car first initially went out, they would not allow me to take my car to the manufacturer’s dealership. They give you a list and it can only be taken to third part mechanics.

When this warranty was purchased, we left the dealership with the peace of mind that we had "bumper to bumper" protection should repairs be needed. After 1-1/2 years and still under the maximum mileage, we found that the company was requiring service records before approving our claim. Unfortunately after moving around a lot, these records were not available; however, after reading every scrap of paper we were given at the time of purchase, this requirement WAS NOT DISCLOSED. The claims people were also citing "excess mileage" which was another "condition" THAT WAS NEVER DISCLOSED.

I must admit, I was preparing for battle after reading these negative reviews. In fact all were negative. However I brought my truck into temecula Valley GMC and within 24 hours my claim was accepted and a day later I picked up my repaired truck. The only thing I can think of is CR website only gets visitors from people with a bad experience. That would explain why all the reviews are bad. Except where Portfolio made things right and the review was changed. Portfolio paid my claim of about $900 without argument.

If I could give this company a 0 star review, I would in a heart beat. I started a claim on 4/16/24 and it is now 4/26/24 with absolutely NO response or answers to my claim. I was told that once the claim goes to review, it takes 24-48 hours and we would hear back. Every time that I call, they tell me it's still "in reivew" and that they cannot share any information with me. I have been without a car for 10 days. I have a job and 4 kids that have school, sports, appointments. I am not approved for a rental car until the claim is approved. So I've been left with no answers and no time frame as to when my claim will be approved.

Pay attention to the start date of your warranty. Bought a car in 2019 five year, Hundred thousand mile warranty. They didn’t start the five years when I purchased the warranty, they started the five years from when the car was new first purchased by somebody else. Read your contract. This is false advertisement. I didn’t get what I paid for.

The worst warranty company EVER!!! Save your money, don’t do it. This was my first car (2021 Audi q5), bought it in Nashville, I live 3 hours away from the dealership, so when my car suddenly died on me while trying and jumping it off wasn’t working, I had to have it towed to the Dealership which I got approval from warranty I could take it there. I paid for the tow and they did reimburse me but 5 weeks later and my car is still at the dealer because warranty is fighting every single charge, refusing to pay even though it is all covered because I read through the contract, first they said Audi was overcharging 8 hours on labor, they explained that’s what their guide tells them it takes, warranty claimed there’s was 4 hours, so they told Audi to just let us pay for that.

This company will do everything in their power to avoid approving a warranty claim. Automotive repairs usually place people into varying degrees of hardship and inconvenience that necessitates repairs being done ASAP to get back on the road and going again. That will not happen with Portfolio. If the repair exceeds a certain dollar value (I'm not sure but I think it is somewhere around $1,200 to $1,400), it will take a higher level of approval which usually takes an additional 48 hours.

Bought my 2018 Tahoe from a dealer. Less than a year later and only 6000 miles the transmission went. They've had it for more than a month and portfolio is playing games with McDermott Chevrolet with getting it authorized for the repair. They didn't seem to have a problem taking my $4100 for the extended warranty plan but now that I need it... NOTHING. I would give them 0 stars if it was available.

I have been without my car for nearly a month and a half and most likely will be at least two months at this point. I have been calling for the past two weeks and get no update. Keep getting told my issues have been “escalated” but never get an update. They are supposed to be ordering me a used part and sending it to the dealer. This part was supposedly ordered Feb 20th. It’s now March 14th and no one can tell me where it is. Also the 5 day rental is a joke! That’s not nearly long enough!!! Luckily I am borrowing a vehicle from a family member because I don’t know what I would do otherwise!

First person told me there were no guidelines for getting vehicle repairs, spoke to dealer I purchased truck from, they told me to bring it to Dodge dealer. Made appointment, they diagnosed problems, Portfolio declined repairs. Got dealer I purchased truck from involved, as portfolio told me there were “tie- backs” meaning they needed to speak to them. Finally think you’re getting somewhere, but portfolio keeps delaying process and denying coverage. 3 weeks later and still waiting. This is the worst warranty company. They try to get you completely frustrated and pay for repairs yourself. My favorite is deny valve cover gaskets repair because it’s not a leak, its seepage. Sent pictures of stains in driveway from the seepage.

I would give them ZERO stars if I could. My car has been in the shop for 11 DAYS and Portfolio keeps bouncing me from Customer Service to the Claims Department and only providing me with the status of it's in review. I need a rental car. It is NOT OKAY for me to be out of a vehicle for 11 days. Their policy is 24-48hrs and I am on DAY 11. This is unacceptable. I would NEVER purchase a vehicle with this insurance ever again. The customer service department, Jolee kept me on the phone for 1 hr just to tell me that I had to speak with claims but they had closed 2 min earlier. The next day I talked to claims who informed me that I have to talk to customer service. AWFUL SERVICE!! I have contacted an attorney and will be cancelling my insurance. STILL NO CAR, NO CALL AND NO SERVICE!

I was told by the dealership that my front struts needed to be replaced, as well as crossbars and boots. Portfolio would only cover crossbar and boot replacement, but not struts because they said they were not completely failing and no hydraulic fluid was leaking. So, basically I'm rolling the dice every day on the road waiting for my struts to fail so that Portfolio will cover the parts? The warranty states that STRUTS are covered for replacement. NOWHERE in the contract does it state that the struts need to be completely failing in order for me to be covered to get them replaced. I will be looking for another protection plan. Portfolio obviously does not live up to what their contracts state. What a fraud this company is.

My car is at the shop right now. I purchased the Hi-Tech package from the dealer when I bought the car. This is supposed to cover almost everything on the car except for common wear and tear items. I have a 2017 Camero and the authorized service center I took it to is saying it need a new transmission. They are having a terrible time getting them to approve anything and saying it isn't covered. I have family members who are attorneys and I will get them involved if they refuse to cover what should be covered. This is my daily driver, and they keep dragging this out. I read over the contract really thoroughly and what needs fixed should be covered.

Was told this coverage was not eligible for refund. Only had it 3 months. My car was totaled in an accident. What a rip-off. Called the dealer who sold it and was told the same thing. Nowhere on my paperwork does it read "NO REFUNDS"!!! NEED BETTER WORDING!!!

Updated on 12/08/2023: I got response from the same person I had emails with. Robert you have my information in your emails. Poor customer service over 23 emails. Total of 10 phone calls and holding for 2 45-minute wait periods. The list goes on and on. This is not the way to do business. I was in customer service myself for over 15 years and never treated customers like this. I paid and fixed my car myself. I also cancelled this warranty. That also was a process. You can't just call up and have them do it. You have to call your dealership and go thru more hoops and hurdles. Will I ever see my warranty money back.... I seriously doubt it. I will never use this company and stress to many to only purchase from the manufacturer that car warranty.

Took my truck to da certified GMC service department for a heater core replacement. The dealer submitted the claim on Nov 1st. The company open and closed the claim the same day with no explanation or communication to the dealership or myself. They assumed my Manufacturer warranty was still in place because I have low miles on the truck. The warranty had expired for 30 days which you can verify on the contract document from the sold date to the claim date. After daily calls to customer service by the dealer and myself.

We purchased Portfolio extended warranty coverage for our Ford F-150 from the car dealership for peace of mind. We have had extended warranty coverage from other companies before on our vehicles purchased from Mercedes Benz and BMW dealerships. We never had any issues with filing claims all the issues were handled immediately and efficiently. No denied claims or back and forth arguments unlike with this insurance company Portfolio. This insurance company is a scam, buyer beware and don’t waste your hard earned money!

I purchased an extended warranty for my wife’s car. Only to later find out that front struts are not part of the “covered front suspension” when I purchased the warranty, I was told it is full bumper to bumper warranty. Clearly it is not. It’s no surprise they have just over 1 star average review. I don’t know how this company or its employees sleep at night and I don’t know how the dealerships selling them do either.

This company PORTFOLIO PROTECTION is nothing but frustration and headache + expense on top of more expenses while dealing with their 'policy contract' We were very unfortunate enough to have this Sca-mpany be forced onto us by the used car dealer that, at the time of the pandemic, we had to really buy a car from. Needless to say, hoping for a bit of 'peace of mind' buying the used car, we ended up keeping the policy.

Purchased a 2019 Nissan Kicks brand new in April of 2019. 2 weeks ago my vehicle shuts down in the middle of the road struggling to turn on. I managed to get it back on take to the dealership but experienced a couple more shutdowns on the way. At the dealership, they diagnosed it was a faulty alternator that was producing an excessive ripple that in turn was interfering with the electronics & shutting down the vehicle. Mentioned they'd have to get the service claim approved first since it was through Portfolio. A week goes by only to find out that the claim is being denied because the Portfolio inspector wasn't able to find records of a "mechanical breakdown" which was false because the technician provided paperwork that showed what the issue was.

I purchased a used BMW X3 (yay, love the car) with a $3,995 extended warranty for 24 months or 24,000 miles. Each claim is a struggle, with my dealership supposedly having to go to bat for me. AM radio did not work from time of purchase and they did not want to cover that. Now the thermostat is not working and they do not want to cover that. I understand they are protecting their portfolio, but I thought I was buying coverage for mine? I have 2 other vehicle warranties from different companies (on a Cadillac and a Ford) and they are a breeze any time an issue comes up.

I purchased a new vehicle extended warranty from the Ford Dealer the same time I purchased my 2018 Ford F350 truck. My complaint is It was not clearly explained that the extended warranty and the factory warranty run concurrently. I purchased for thousands of dollars a warranty that doubled up my existing ford factory warranty for 3 years actually only giving me a 2 year extended warranty not 5 yr 100,000 mile as written on the contract. Also the Ford Factory warranty covered drive train for 5 yrs and 100,000 miles, exactly the same as the so called extended warranty that I purchased so I did not receive any kind of expressed warranty at all.

Purchased a CB exclusionary plan in 2021 for my 2018 Chrysler Pacifica. As soon as my factory warranty was expired at 60,000 miles, my radiator is leaking a needs to be replaced. This is covered by my warranty through Portfolio but the claim is sitting in the review process for nearly a week now. They claim that there is a 24-48 hour review process but here we are, without my vehicle, still waiting. Believe all of these 1 star reviews… they’re correct. You won’t get your car fixed. Do not purchase this warranty!

I purchased a 2014 Toyota Corolla with approx. 97,000 miles from a dealership, and a little after purchasing it developed a rattle under the car. The car had previous wreck damage, but had been repaired within spec. The dealership we bought the car from, and from whom SOLD ME THE POLICY had performed a 100 point inspection before selling me the car. Nobody up till the point found the car to be out of spec. I ended up taking it to a Toyota dealership to get looked at, and was told that a nut had come loose inside for the knuckle, which played havoc on the axle, wheel bearing and rotor.

My 2019 Dodge Ram is being worked on for a water pump that is leaking and camera that malfunctions. The water pump is covered, but on this vehicle you also have to remove the thermostat and replace it because it has a one time seal attached to the thermostat. Portfolio protection will not cover the part. My high tech component coverage also does not cover my rear camera which stops working and goes to a blue screen. The only person allowed to speak to a claims adjuster is the repair shop, and when you call the 800 number at the bottom of your contract, the customer service rep can give you no information.

Purchased Plan F Hi Tech extended warranty for our 2016 Ford Explorer in August 2020. We had a dealer warranty on the vehicle to 100,000 miles. In May 2022 the actuator failed, not a covered expense with Portfolio, but came to an amiable conclusion with the company that services Portfolio. Because of this, I felt confident that Portfolio was a company that could be communicated with. In July 2022, while on vacation, the check engine light came on. When we returned home, we took it to our local Ford dealership. Code reading was 'Cylinder #4 misfiring.' However, the repair shop was more concerned with who last worked on the engine harness. My response: no one under our ownership.

This warranty is trash. If you want to waste your money, then go ahead and buy this warranty. I have been trying to help my parents with their vehicle that smoked a motor with 51,000 miles on it, and it has been completely babied. These people won’t give us the time of day, by the end of this, we will be into it $13,000 dollars and have had zero help from Portfolio.

I purchased a 2017 Kia Sorrento with around 48,000 miles on it. I also purchased the extended warranty. The engine blew in this car a month ago and Kia has had it since then because Portfolio still has the case in review even go to have all of the paperwork is required. I’m left with no car. I have two kids at home and a job and they don’t seem to care. No rental is being offered or honored. Such a waste of money.

I bought a used 2020 motorhome in 2021. Purchased the extended warranty since it would cover very expensive repairs if they would come out of pocket. So on 6/13/2023 I took my motorhome to a repair facility to see why my AC unit was not blowing cold air, they said the unit need to be replaced. I had them call Portfolio to get approval for the repairs. I gave them all my contract information. The repair facility told me that they were told that due to the amount of repair it had to go into a review process that would last 24 to 48 hours.

I was contacted by a representative regarding this claim and was provided information as to why there was a delay. Though I am not happy with the hassle it took to get this claim paid, I am happy that they stood behind their contract. I do feel like there is a definite communication disconnect.

Have a transmission failure, covered by warranty. Called before taking to service center to verify with warranty company that this was a location that was authorized for repair should it be covered. Paid out of pocket to tow. Service center called for preauthorization prior to checking transmission, received preauth. Claim denied saying I need to take it to a different location. Open for re-review as reps show in their notes THEY authorized this location and are UNSURE why there's a holdup. Service tech confirmed I did not cause the issue. Have an open case with the state ins dept. Customer service refused to give me the denial in writing, although required under Ca law. Keep getting the runaround. Vehicle has sat since early June, was towed for service June 5th, and here I wait with no resolution for a covered service.

We purchased a five year extended warranty when we purchased our fifth wheel in 2020 and have tried to submit two claims for slide outs that started creeping out as we were driving down the highway. In the first instance it happened on a weekend when their office was closed and we took our RV into a repair shop and they braced it so it would stay in place (saying they didn't have the parts to fix it) until we could get into a repair facility. We finally got into a place but because we had taken it to someone without calling them first, they denied our claim. It does say at the bottom of the form that you have to call before any teardown or repair is started. The second guy did call, but because we said we had taken it to someone else first our entire claim was denied. So maybe that's on us.

So I purchased my barely used RV and purchased an extended warranty. I was told by the dealer and repair shop that this was the most expensive plan. I think I paid nearly 7500 for warranty. To my dismay I had a slide room get stuck closed and took it to a repair shop to get it repaired. It was a catastrophic failure that required both sides of slide room hardware to be removed and replaced, as these parts had to be custom made. So the slide room had to be removed as it was stuck, new hardware ordered and assembled and replaced.

Purchased this warranty for a 2015 GMC pickup. I took it in to have the leather seats repaired, a crack in the windshield fixed and some faded paint repaired. I purchased specific warranties for all three of these problems when I purchased the car in 2022. They denied all of it. As far as I’m concerned this company is selling fraudulent worthless warranties. Do not fall for it. You’re better off saving the money you’d use to buy this garbage and using it to fix the problems when and if they come up.

The Warranty Company authorized to fix the car on 5/5/2023. I just received the car back on 5/16/2023. The processing time is too long but the payment is fast according to the repair shop.

Like many others on here, I purchased a Hi-Tech Extended Warranty Plan when I purchased my 2017 Dodge Journey. Basically it was the top tier warranty plan. My vehicle was diagnosed as needing an engine oil cooler which I was told was not covered because my plan was "item specific" and it was not a listed component. They had no response when I pointed out that it also wasn't listed in the Non Covered Components. It is an engine component that literally cools the lubricant for the entire engine. There is absolutely no reasonable explanation as to why this should not be a covered component.

I bought my vehicle at Gateway Chevrolet, they had asked if I wanted an extended warranty, working in the industry I know it’s smart to purchase one, so I did, given the pretense that I would be able to take it to ANY Chevrolet dealership. I was not informed about ANY stipulations on this contract, they handed me a USB with the contract on it, no paper work or anything. (Which I found odd, but maybe trying to use less paper? I don’t know) My check engine light came on, so I took my car into the Chevy dealership next door from where I work, which was great because it’s so close I don’t have to worry about driving the vehicle without causing more damage to whatever is going on.

I purchased the extended warranty for my 2018 Lincoln Navigator. The sunroof would no longer open and the sunroof shade would only close halfway. I took it to a Lincoln dealer on a Monday to get it diagnosed and the diagnosis (made on Monday afternoon) was a failed motor on the shade and cracked guide on the sunroof. After receiving the diagnosis, they informed the service rep that it would be placed under 24-48 review. By Friday I called the dealer and they informed me they had not heard anything from the warranty company. I called Portfolio and they informed me that the repair was approved so after having to be the go between for the dealer and the warranty company they finally emailed the approval.

I currently have a claim (#**) for the replacement of my transmission, it appears based on all accounts that Portfolio once again is not living up to their obligations as we have all read by others. The typical claim for denial is that my truck has been modified and as I read my "valid" agreement there are very few exceptions for denial of a claim based on a vehicle modification of which my truck clearly does not fall within any of those categories. Contacted Portfolio and the selling dealer, no one wants to answer the true and hard questions, just keep making excuses.

I cancelled my contract with Portfolio after I read the "What is not covered" section of the contract. The contract states the refund will be paid within 30 days. It's been 10 weeks, and still no refund. They blame the dealership, and I have no reason to doubt it is indeed the dealership is giving me the runaround when I call and not Portfolio. I'm giving the dealership a similar review. However, Portfolio's name is still on the contract as the provider. Even if the dealership is primarily at fault, Portfolio still bears blame for working with them. First person I talked to at Portfolio actually surprisingly good-natured despite dealing with dissatisfied customers like me all day. The latest one was unsurprisingly grumpy.

We bought a used 2016 Sprinter base Class C, 18 months old with 7500 miles. We were impressed with the coverage as well as the terms of 4 years and 50K miles offered by the policy even thought pricy at about $3500. We started having problems with the air conditioner tripping the generator on extremely hot days, 110 DegF. We went to a National R.V. Repair to check out a/c, nothing found so nothing covered. Then we went to Cummins shop to check generator. Problems found but nothing related to a/c tripping, Portfolio would not cover the entire bill only part of it. Cummins did not want to deal with 3rd party insurances because of reluctance to pay; never less, Portfolio required interfacing with the shop. We're stuck in the middle. This may be unique with 2 shops dealing with a problem, each saying the problem lays elsewhere. Portfolio was no help to resolving or paying for the a/c tripping the generator.

I took my vehicle in due to the transmission needed to be replaced. They inspected the vehicle and confirmed that the transmission needed to be replaced, but would only authorize a fraction of the cost of the transmission as they sourced the price on a transmission that would take 7-10 business days to get to the shop. The contract covers 5 days of rental. The repair facility that the vehicle is with has a re-manufactured transmission in stock and can complete the repairs but the warranty company will not approve. I now need to wait 2 weeks for them to order the part and for it to arrive. Nowhere in the contract does it state this. Now I am stuck without a car for another 3 weeks - waiting on part and repairs or pay the difference myself. Complete scam.

Took them 2 weeks to approve a transmission repair claim and they only approved it since the transmission does not require servicing until 150,000 miles (Car has 93,000). Cam Phaser claim was also made but they would not approve it since I only had an oil change log but no receipts (I could not get some of the receipts since one of the oil change places are no longer in business). Save your money on buying this warranty because they will try to find any reason not to pay for the repairs. Also, they offer rental car coverage, but only for 5 days and reimbursable up to $35 a day. That does not even cover the cost of a rental and it took them 10 business days to approve the claim. Terrible company, and Woody Ford should be ashamed for even selling their services.

I purchased gap insurance with them almost 5 years ago. My car was stolen and my primary insurance paid over 12,000 for the car and all I owe was 6,000 and they refused to pay it because they say I had late payments and because my primary insurance paid over what they was supposed to.... Like what type of stuff is that???? They clearly told me that my primary insurance has nothing to do with my gap insurance.... They will find Anything not to pay people.

The engine in my truck failed due to a SPECIFICALLY LISTED COVERED PART. Portfolio took 6 weeks to even start looking at the claim. After 7 weeks they "approved" the claim. The repairs cost 9k they offered 2k. Also they wanted to find out why the engine failed. I'm assuming to try to get out of paying for it. So they had the mechanic tear the engine apart. Not only did they offer to pay 2k of a 9k repair but they also refused to pay the cost of diagnostics to tear apart the motor. I called them to get an explanation and all I was told is that "sorry we don't know why they won't pay more than 2k. All decisions are final, and there is No appeals." Throughout this process customer service has been God awful. It's a total scam.

Thank you Kim for reaching out. It would help if I didn't have to create a review just to hear back from someone from your company.

I purchased a $2,700 extended warranty for the peace of mind. Boy was I wrong. I brought my car to the dealer for repair two weeks ago and I am still waiting to hear back from their claims department. Reading all the negative review, I can see that there is a pattern to this foot dragging: misdirection from customer service, "accidentally" hanging up, claiming nothing can be done on their end, and the list go on. They will try every trick in the book to avoid fulfilling a claim.

The underwriter for this company inputted the wrong date on my 48-month warranty, because of this error the claims adjuster stated it ended after 36 months. I emailed proof of their error and it was confirmed to be wrong. They indicated that only the dealer can discuss this issue with them - meaning that my car work by my mechanic is not being completed even though I have a ZERO deductible warranty. I must say report to everyone that the claims adjusters were rude to my mechanic. I hope this helps with quality assurance with this company and I will update this from a one star.

The company addressed my concerns and provided assistance to resolve the problems I was having with obtaining information about the purchased product. The dealership was supposed to provide me with documentation regarding the 2 year warranty, that the dealership acknowledges was not provided. I would still like this company to provide easier access by its customers to reduce the perception, like I had, that the company got its money and is now ghosting them.

Your company is bogus and full of you-know-what!! Please do not buy anything from them. We paid into this service warranty for 2 years which totaled over $3,000. Then, our transmission went out in September of 2022, and these ** refused to pay for any of the repairs stated in the contract. This place is a rip-off. We had to pay $5,000 out of pocket for our maintenance transmission to get repaired. I repeat, do not purchase this product or you will be sorry you did!!

We recently bought an older vehicle with low mileage on it from a reputable dealer in town. They offered us an extended warranty through 2026 from Portfolio Protection. We selected the highest level plan due to the age of the car (2014 model with less than 9,000 miles on it). It was explained to us that the warranty covered nearly everything except normal wear-and-tear items. We read the plan, and it seems exhaustive. After just a few months of ownership, we noticed that our horn did not work. We took it to the dealer for repair and presented our warranty information. They called Portfolio, and Portfolio refused to cover any portion of the repair work. I called Portfolio and talked to a service agent, and she informed me that unless an item is specifically listed, they will not cover it.

I always purchase the top warranty package to avoid any inconvenience due to vehicle repairs. Come to find out Portfolio doesn't provide a car RENTAL, they want you to pay and then they claim to reimburse you. What good is it to pay close to $4k for a warranty if you have to pay first then wait for a reimbursement??? So now we must save for the rental before we can get our vehicle repaired. SMH, I will not purchase this warranty again in the future.

Examples of comments I have heard: Yes, you can take your vehicle anywhere. Yes there are approved repair facilities (took my vehicle there; it was not repaired for covered problem but they did find $1300 is uncovered work they "strongly" recommended be done); took the vehicle to another shop and they found the problem; fixed the problem and now Portfolio has spent over week saying they need more info; they have no info, or the claim is in underwriting. I will not purchase another policy from them. I will seriously recommend you not either. Wasted money.

My car has been in the shop due to a broken axel that was broken while I pulled out of a parking spot. Car completely broke down and had to be towed to Ford dealership. That was on August 18th 2022 and Portfolio has still not even replied to the case! They have told the dealership nothing so far and it's been 19 days! It shouldn't take 19 days to just receive the initial response! I have had a rental car for that entire time for $75/day because I work and need to get around and all the money is stacking up because Portfolio wants to take their time to send an email! Terrible service. I hate to see what is about to happen once they do get back...

I took my car to authorized shop for repair. Repair shop called to get authorization for repair and the claims department hung up. I found out that I have an active warranty through another company still on my vehicle at that time. Portfolio has been collection a monthly payment from me knowing that I have another active warranty that came with purchase of car. I feel I have been frauded by this company for a good sum of money. How rude of them to not discuss the claim and to hang up on the repair shop as well. I now have to pay out of pocket for the repair.

Portfolio is the worst. We purchased a Max warranty with them when we purchased a used vehicle. The engine malfunctioned at no fault of mine and they do not want to fix the vehicle. The vehicle has been in the shop sitting for 2 months, they won't honor a rental car because they won't fix the vehicle. I've talked to over 20 different Representatives there and they all tell me something different. The warranty does not expire until 2023 and I'm still within the mileage for the warranty. They basically won't honor their contract because it's going to cost too much to fix the vehicle. I told them that's not my problem, I purchased the top of the line warranty for this reason, if something happens to the vehicle fix it, but they don't want to honor it because it's going to cost them too much to fix it. I've never ever heard of such a thing in my life.

I want to thank Robert at Portfolio for helping resolve this matter. Robert listened as I brought him up to date with my claim, and offered to look into the claim and get back to me. Robert had the claim re-submitted to the review process, and after they contacted the selling dealer it was agreed that my claim was a valid claim. The work has been completed. A note of appreciation to Portfolio for working with me to resolve this matter.

Bought an RV at Parris RV, the staff are actually very helpful... At least 3 stars here. The problem is that you purchase a $25,000 RV, brand new with ONLY 2 moving parts (beds) and then the beds' vinyl housing rips out within 1 year (noticed 3 days after factory warranty ran out) and extended warranty of $2000.00 doesn't cover. Nothing Parris will do, nothing Horizon Portfolio Protection (5 years) will do either. Not explained, just sold for an additional $2000.00 on top of RV costs. Now the expense (mine) is another $2500.00 to replace factory faulty parts. Unsatisfactory result, less than upfront sales approach on warranty, and worse yet....you as the consumer are left holding the bag.

We bought a brand new coach and as soon as we were done with manufactures warranty, we started having issues. Issues ranging from water heater going out to random roof membrane giving out. All and all we had 17 issues that we submitted. ONE got approved. Care to guess which one? A $10 water heater relay part. They didn’t even cover the trip charges. When I asked why nothing was covered, I was told by the manager to check the warranty and review the guidelines. I specifically asked them to show me where it says it won’t be covered, “damage covered by outside influences.” Water lines that burst had outside influences. Stairs that have way had outside influences. Terrible service. I’ll never use this company again. We canceled the contract immediately.

We needed to repair our new RV just after the manufacturer's warranty ended and the extended warranty we purchased from Portfolio kicked it. To contact them, you need to call, and end up going through a very long phone tree. Once I finally made it to a live human, I will say that she was very friendly and answered all my questions; however, the process she described made it basically impossible to get a claim covered given the current state of the RV repair market. The first strange thing that she wanted me to do was to call back the same number and go through the phone tree again to get to the 'claims department' - but that is exactly how I had made it to her. I asked if she could start the claim, and she did (at least I think, who knows with them), but the problem is I would need to have a dealer look at the issue first, give them an exact list of parts needed, exact breakdown of amount of labor, and how they planned on doing the job.

I purchased a 100,000 mile or 3 year extended warranty in October 2019 for $1800. I have not had to file a claim until 4/18/2022 when I had white smoke coming out of my exhaust. I called the company multiple times to get an approved facility to take my car to (my dealership doesn't have an attached repair shop). They told me I had to call the dealership so I did. The auto repair shop the dealership works with didn't have an opening for 2 weeks so I had to call the warranty company back to get a list of more approved facilities.

Purchased a slightly used 2018 motorcoach in September of 2019. In November of 2021, while only 2 miles from home, a fuel rail issue stopped us in the middle of the road. Took 3.5 hours to get it towed and it went to the nearest Freightliner/Cummins Dealer 26 miles away. Took 4 weeks to get parts and repair the unit. Told the dealer three times to call to get prior approval before starting repairs however they continued to say "hope to get Cummins to pay for some of this so I don't want to call them until we know how much it will cost."

Purchased GAP insurance. Week later a guy hits my truck and it's a total loss. Portfolio says no refund since vehicle was totaled. Insurance paid off vehicle. Never Again!!!! Said it in contract. WOW!

Just bought a brand new car and Dealer emotionally manipulated me to get this service. He never told me this was a 3 rd party and lied to me saying I could use any dealer I want Which it clearly says I have to be 30 minutes away. Dealer Star Hyundai says I can cancel in 5 months. I need to cancel immediately and they are not helping me.

I purchased a 2014 Chrysler Town & Country in 2018, with a 4yr 48k mile warranty. The warranty plan I was sold from the dealership was a fully comprehensive warranty. It was sold to me if "anything happens, transmission, engine, electronics and displays act up you're covered" This warranty added a substantial amount to the note I financed. Fast forward to this month. The dealership says the warranty company is denying any coverage to fix the oil cooler, gaskets, lines, engine thermostat, and the digital display for the navigation. Being sold one thing for peace of mind that if anything should arise, the premium paid for the warranty will take care of it, plus a deductible. Portfolio is easily the biggest scam in auto warranty, next to the automated telemarketers that call about your car's warranty. Such a lie...

Purchased warranty on new 2019 GMC vehicle. Vehicle in for minor repair. I obtained a release from original dealer for a separate dealer to do repair. Service advisor got authorization from Portfolio then on the next day Portfolio denied repair saying the part is not covered. They claimed to only be the administrator and indicated I had no other recourse. Company advertises BBB certified. I will be following up my issues with BBB so they are aware of this company's service style.

My car has currently been at the dealership waiting to be repaired for almost 30 DAYS!!! The dealership knows that the issue is the transfer case and has the part waiting to be installed. Once the car was taken apart we had to wait 24-48 hours for the Portfolio warranty inspector to come look at the car and decide if he agrees with the dealership. But of course, he doesn't and wants to choose the cheapest way out (which in return screws us because at this point we haven't had our car for almost 2 weeks and the warranty company only allows a rental for 5 days). So the inspector told the dealership to try replacing the actuator (a part of the transfer case) which the dealership told the inspector that isn't the problem, apparently a inspector knows more than the mechanic that is working on the car.

I bought a warranty in 2016 for my truck. The first time I used the warranty was in 2021 at a repair shop near my house. This experience was somewhat ok. I went to use the warranty again at the end of January 2022. At this time I was told that I could not use the dealership 1 mile from my house because there was a 40 mile tie back to the original dealership in my contract. I was told that I had to bring my truck back to the original dealership because it was only 38.4 miles away. That route is all back roads. If I take the more direct highway route it is 42 or 44 miles away.

Found out my engine was bad and needed to be replaced. When I purchased my vehicle the dealership said it would cover anything. Replacement was denied, due to not getting recalls done, even though I never received the recall notification. After speaking with the Bureau of Automotive Repair, the recall notices usually go to the original owner, which I am not, it was a rental.

Unfortunately, this was not a great experience and while I still have another claim outstanding for work done in 8/2021, I will speak to the 9/2021 claim. The process to get the claim approved and work covered is flawed and full of less than helpful options. I ended up having to pay for the repair services upfront because the process for approval was already more than a week long. Then, it took months to get reimbursed from a warranty that I paid for. I don't know that the process could be any more stressful or cumbersome for the average customer and clearly think the process needs some serious re-work as your customers are not being treated like they matter.

We purchased a brand new 2021 JEEP GRAND CHEROKEE at our local dealership (Salt Lake Valley CDJR, 2309 S State St, SLC UT 84115) and they included 5 Portfolio Warranty products in our purchase contracts that cost us in total of $6795 of which we do not have any knowledge about, the word 'warranty' did not came up once and we were told everything is standard while the contract is signed by sales manager on his iPad in a rush. Only did we realize what happened when viewing our contract afterwards electronically. We immediately requested cancelation but received pushback from selling dealership, we then contacted Portfolio via email, phone, and physical mail and were not yet receiving any help to void or cancel these warranty products.

When my Honda dealership sold me my brand new Accord, it was explained to me that this insurance covers EVERYTHING. Dings, dents, cracks to windshield, wheels, rims. Well turns out they do not cover my rims. I called Portfolio and was told they would not cover because the damage needed to occur on a highway and would need to be significant?? This was never explained nor was any additional information handed out of what this insurance does and doesn’t cover. Very disappointed with Portfolio and my Santa Barbara Honda Dealership. They’ve also been no help with getting this resolved.

If anyone is reading this, stay far away from Portfolio Car Warranty. I had the worse experience ever. I was denied after waiting weeks. Was informed I didn’t have enough documentations. No help at all.

After trading in my car that had the extended warranty on it, I did what the dealership said to do....I called Portfolio to notify them that I no longer have the car. Portfolio's Customer Service Representative told me that I have to go to the dealership where I purchased the car. I did. They processed the paperwork. (Portfolio later told me that was incorrect---the dealership does not process the paperwork, Portfolio processes the paperwork.) For the next two months after my trade in, Portfolio continued to take the money through automatic charges to my credit card. After three months of working with Portfolio to get my money back, I have sent all documentation of the trade-in three times, have talked with the dealership almost weekly and have talked with Portfolio multiple times, going to higher management to get this resolved.

Talk about the warranty company and the situation I currently. Purchased the car a couple years ago. It has under 40,000 miles with the BMW 435. I purchased an extended warranty at California Beemers dealership. I was told that the Warranty claim inspector defined my claim for the rear differential/axle because of a pre-existing Crack in my rim and for this reason they believe there is “impact”. The dealership disagrees and they even put in the writing. When I called to get a report they denied giving me the proof they used to deem this repair a “collision repair”. They are not even letting me appeal the decision. They are making me call my insurance company! It sounds to me like they are trying to take my money and don't care about servicing their customers. This was a horrible experience! I would not recommend this to anyone. Please do not use assurance services. We should get together and start a class action lawsuit against them.

Tried submitting a claim and received the same mileage/service run around as listed by others writing a review. The dealership that sold me the warranty said they could not work on my car and the repair also needed an upgrade which the dealer needed to do. At the time of the sale the dealership (Ford) told me I could have the car service anywhere, my fault for not reading the fine print. I was lucky to call back and speak to Henry at Portfolio who was so helpful and started a claim for me with the Infiniti dealer. Now the car is at the dealership waiting on approval for the repair.

I bought a 2016 Nissan Rouge new and I am having the first problem in September 2021. I moved after buying the car so I took it for an extended warranty repair to the closest dealer. They told me the warranty company would not authorize the repair that I was within 40 miles of the original dealer and had to take it back to them. They were then informed that I now lives 59.3 miles from the original dealer (per Google) and they still refused to let them repair it. Their excuse was they used "air miles" to calculate the distance not road miles!! I looked and couldn't find the airplane button on the dash anywhere. Now I have to drive an hour and a half one way to get this car repaired. Not worth the $1,889.00 I paid. Complete ripoff. Wouldn't buy another again.

I purchased the high-tech warranty on my preowned Chevy truck - dealer told me this warranty would cover everything (absolutely everything). How crazy of me to believe the dealership. I never received any details about my warranty. After bringing my truck months after purchase for an oil change I had an accident (fell on a cracked sidewalk) ended up very hurt. My warranty of course states I must bring truck to dealership for coverage, I called Portfolio to request they waive this as I cannot go to this dealership due to legal issues (even sent them documentation). After at least 15-20 calls this was never addressed or even documented by them. Still isn't.

My vehicle is covered by an extended warranty administered by Portfolio Protection. My vehicle has a bad front hub bearing covered by the warranty. I called the dealership where I purchased the warranty to schedule repairs. The dealership is 3 weeks behind do to limited technicians. I took my vehicle to a licensed repair facility who confirmed my vehicle hub bearing was bad. The repair facility contacted the warranty company who took the information then stated the repair was denied due to the fact that I was not more than 40 miles from the dealership I purchased it from. The repair shop said this repair needed to be done asap and that the dealership was 3 weeks out for the repairs. The repairs were still denied. I contacted the warranty company when I left the dealership and was told they must stick to the contract.

So I have a Dodge Charger and I wanted to take it to another dealership closer to me than the original because the original dealership was 41.7 miles away from me. I called them to verify before I could even take it to dealership and they told me yes. So I take it there, got a rental, 5 days later the dealer calls in says “warranty won’t authorize. It needs to go to the original dealer.” Says the distance between both dealerships is 35 miles. Wtf!! So now I had to pay out of my pocket for a rental for 5 days in the labor work they done totaling to 800 dollars. Do not get this warranty company. As soon as my car gets fixed I’m dropping them.

Would be Zero Stars if that was a rating. We purchased a Tahoe From Murdock Chevrolet in Bountiful Utah in November 2017. Paid for Gap Insurance. On January 6th 2020, We were run off the road by a car trying to pass illegally. Rolled 4 times - Tahoe Totaled. The GAP Insurance, we purchased to Protect us Never Paid. We have resubmitted the claims at least 20+ times. THEY ARE FRAUDS! SAVE YOUR MONEY!!! DO NOT BUY GAP FROM PORTFOLIO! They lie, lose paperwork and never ever pay out a claim!!!! They should not be in business and murcock chevrolet was no help either! Both are terrible. I had to pay the depreciation difference from the loan.

I purchase a used 2016 Explorer in April of 2019 with only 20K miles on it. The Ford bumper to bumper warranty expires and the powertrain would expire in 2 years. I was told by the dealer representative that this was an extended service plan beyond the bumper and bumper warranty and that it would cover everything like a bumper and bumper warranty would for 5 years/100K for $2800. My deductible was $100 and I did have to use the extended warranty a few times on my Explorer which helped keep more in money in my pocket. The only negative is that what the dealer representative didn't say was that it was an IN SERVICE Extended Warranty that in 2 years this warranty will expire, since the vehicle was first purchased by the first owner in 2016.

I've seen it a few times already, they look for terms to deny your coverage. My exhaust manifold is covered, my engine is covered, but the bolts that attach the two together? Sorry, not covered. The crankshaft and the rod are covered, but not the pin that holds them together. Attachment points are the weakest part of any component, but they only cover when a component itself fails, not any of the parts that hold it together despite them still being essential to the part.