Portfolio Protection Vehicles & Services Reviews

When I purchased this product I was never told that the only place I could have repairs made were at the dealer I purchased it from. If you are within 40 miles from the selling dealer you must take it there. Outside 40 miles require pre-authorization. As it is I do reside more than 40 mi. My truck needed struts so I called and was pre approved. I made the appointment, got the work done. When the mechanic called the claim was disapproved because it was made closer than 40 miles. Here's the kicker they measure the distance by straight line not by driving miles. So this policy is useless unless I wish to drive 1.5 hours or have it towed at more expense than the repair. DO NOT BUY THIS POLICY.

Do NOT buy a warranty from this company. All they do is decline every claim saying it’s not covered. When you buy a bumper to bumper warranty and they say it’s not covered. That is their normal answer. You would have to know every tiny little nuance of your car. It states they cover the air conditioning but when an actuator malfunctions and it clicks and runs even when the car is off and could drain the battery or worse the wiring catch on fire that is not covered. 3 things I’ve brought my car in for in less than a year that their answer is NOT covered and get rude about it. Their customer service sucks and give attitudes. STAY AWAY from them.

I was under the impression I could take my vehicle to any Jeep dealer for service. Well lo and behold I have been at one for almost three hours today for this. Protection company inform me my stuff is covered but needs to be brought back to where I bought the vehicle. Seriously? This is 100% inconvenient for the customer that paid you just under me $3,000.00 for this dumb **. Ask if the dealer can go with another company for your protection and not this one.

So I have to submit an update regarding my initial review. Portfolio wasn’t completely at fault for the entire process and it took way too long to find that out. So after my initial claim was filed on 3/10 it took until 3/16 and probably 20-30 calls in that time frame to portfolio to finally be told that the authorization they were waiting on that was coming from the underwriter was coming from the dealer that sold me the car! So all the escalation emails sent from portfolio's customer service reps as well as a couple supervisors that weren’t responded to from the selling dealer was a huge waste of time. I finally asked the question of, "Who is this underwriter you’re waiting on?! I’ll call them!" That’s when I find out that it’s someone working for the dealership that sold me the car! 6 days later! So I got in touch with the selling dealer and a day later I am completely approved for the work to be done on my vehicle!

I took my 2016 Chevy 3500HD Duramax truck into the dealership. I thought it was a brake system problem but turned out to be the steering box gear. It took 3 days, pictures and phone calls by the dealership over those 3 days to get an answer from Portfolio. They authorized the repair which is about $1500 retail. The process took longer than I thought it should. The dealership made it sound as if Portfolio might not authorize the repair. In the end the truck was repaired and all it cost the $100 deductible. I was happy that the truck was fixed, but it took from Monday (with appointment) until Friday to get the truck back. So the process is not as smooth as it could be, and that is why I gave them 4 Stars.

I would recommend not using this company for warranty work. The cost of a plan I feel they should have covered a failed loose axle bolt on a car we're still paying on. They say they cover parts such as axle and support of axle but then block payment because of a term like bolt, they use terms such as support but when a support fails they start to call on terms like bolts or fasteners and use word games so they can say no to coverage. Even when they don't have the term washer they turn around, call it a fashioner and the bolt is not a support for the Axle. They just take your money and do no work sometimes. Just trust me. Say no. Save the money. It's not gonna pay out. They will play Scrabble with part names.

We are HIGHLY disappointed in Portfolio Protection. We have been paying for 3 years on this coverage and are just now needing help with our car and we are told that the sensor is not covered. According to our dealership, the sensor is a ECT Sensor. It controls the temperature gauge, causing the temperature to drop and rise, the fan kicks on and then the air conditioner kicks off. This is NOT due to normal wear and tear on the vehicle. This is due to a defective sensor. This SHOULD be a covered part. We will NEVER again get this type of coverage.

Purchased this gap insurance top of the line plan for my son in case of an accident, well that accident happened and yes his fault, not really sure why I paid over 2,000 for this insurance to help cover the cost of the loan that was left over after insurance covered there portion,, 848.00 left over, only to hear them say months later, denied!!! That you're at fault with with the accident,, it's called an accident, nowhere in contract does it state that you won't cover for an accident... Rude people on the phone,, won't send me information I have requested,, I asked for the full contract in WRITING,, nope still have not received that,,, Portfolio is a Scam!!! Take your money and run!!!! Never again will I purchase gap insurance through this company... I'm glad your title has changed to private investigator and you were there to witness any of this!!!!

All I have to say I will be using Portfolio plan in about 2 months the Warranty was put on by my dealership not by my choice, however after reading all the reviews across the nation from people with their experience using this company.. I had read my coverage and my brake calipers are covered..if they give me the runaround? About this issue I will Lawyer up and I have one, it's sad to read negative reviews from people being misguided and a company who can not back up their words or contract or better yet I'll get Judge Judy involved . Hahaha. Wish me luck folks. I refuse to be pushed and get the runaround. I also read many reports in the BBB section as well. So sad..ok. Portfolio best man up . It wouldn't be the first time I drove to a company in person and demand my rights to be honored.. We live in a greedy world, you pay out they don't cover. If that's the case close shop.

I called the number of the company on my warranty contract, which is also the number on their website, of which it tells you to call to to submit a claim (1-800-242-9442) and the woman who answered the phone said they get calls for this company all the time but it’s the wrong number but she can forward me to the correct number (1-800-705-4001). Once forwarded the new customer service lady she said they were the wrong company as well and gave me the number of the “correct” company (1-800-323-5751). I called that number and it was the fax machine! I paid $1,500 to get the run around, poor service, and this is a total scam in my opinion. Learned my lesson! Shame on the dealerships for selling such a poor warranty product to customers. Now I also know what dealership I will never go to again!

We had an issue with the slide on the 5th wheel and called the claims number and was told by a female it was covered. After I spoke to the repair shop I called again to give them details and Brian confirmed there was coverage. Now the work has been completed and the claim has been denied. Total incompetence. Repair shop spent 30 minutes on the phone and in the end told it was not covered outside of the U.S. (policy states covered in USA and Canada) and they claim it falls under trim!! The floor separated from the wall on the slide. Now they say it was bolts which are not covered and yes the policy does cover Canada. Buyer beware - do not waste your money.

After my car unfortunately was totaled out I reached out to these clowns to cover the balance the left after the car insurance company paid their share. Sent them a mountain of documents from the insurance company, dealership, finance company, and law enforcement and no follow on their part and when I call their customer no service department I get a run around claiming not to get the paperwork. After sending the paperwork certified mail I think it will be best to proceed to file a civil suit and seek damages in court.

The product was sold to us by Hyundai Genesis dealer as a warranty that will cover wear and tear issues at the end of the car lease. The dealer told us that after we return the leased car, they will send me a bill which I will submit to LR3. However, after I returned the car, Hyundai send a bill for dent repair but LR 3 refused to pay, under the pretext that the claim has to be opened 30 days before the end of lease. Now I see that this a rip off and they are using the 30-day condition as a way to get out of paying for the repairs.

I find it VERY odd that almost every positive review on this site ends up with a "Thanks Portfolio!" ...almost as if they were written by one person... Just my observation. I just bought a new plan through Portfolio and have had either any Positive or Negative experience but I do wish I would have read these review BEFORE I bought the warranty.

Although I did anticipate that a refund request would probably require some administrative processing time (which is perfectly understandable, because requests do after all, have to be reviewed and properly documented), it did however, take a bit longer than I had thought it would or should. However, to be fair to Portfolio, Portfolio did review my request, reviewed the supporting documentation and calculated the appropriate refund amount (indicating that a refund was on the way). The last two representatives I communicated with were quite helpful, thus I am elevating my rating.

Absolutely a wonderful a professional company! I got a flat tire on a Saturday night, I went Sunday as I need brand new tire, Monday Morning I went to the dealership to find out how to get reimbursed. They told me just to call the number on my paperwork. I did that Tuesday Morning, got the paperwork faxed then faxed it back, I was told 7-10 business days I would receive my check for $170. Well it was on the 4th day I received a check $170! Thank ya'll for the fast & easy work. So worth the money I pay for the extended warranty! Ya'll are doing a great job!!

After being denied any service related to a broken transmission, dealing with rude service personnel on the phone, finding out that the implied warranty was way different than what is actually covered in the contract I requested a refund, still waiting after two months for my refund.

Difficult to reach, poor customer service. A waste of money, I'd look for a different company. It doesn't cover most of the things I was told it would. The claims department is useless, doesn't return calls, and is short on follow through. An expensive lesson for me. You would be wise to go with a different company.

My husband got me a 2016 Chevy Cruze in July 2018. He thought he was doing the right thing by purchasing an extended warranty recommended by the dealership. He paid $2000 for the top coverage, road side assistance and theft protection for four years. This was a certified pre-owned vehicle. May 2019 we noticed that the car engine was missing and surging, so we took it to the dealer, who said there was a problem, but we had to take it to a Chevy dealer for warranty work. Made an appointment and took it in on June 7, 2019. Turns out the head gaskets are bad and then the service engine light came on.

Terrible service. Terrible phone skills. Leave on hold for 45 min twice, RV repair company could not get approval for a covered problem. Told required “committee approval“ that takes 48 hrs. And they will not call you back with results. The client has to call back for determination. RV repair shop stated they never have problems like this with other insurance companies.! I get the feeling they’re doing all they can to make filing a claim a real headache and trying to avoid any payouts.

Part 1. This company is living up to its 2 star rating. I wish I had been aware of their reviews on this page. Dealing with them is like is like walking through sand wearing 10 lb shoes made of molasses. Making personal contact is difficult, their reply to the dealership runs at the speed of the pony express. They want to use shoddy OEM parts. How shoddy? The first that was sent by Meridian (Portfolio’s version of Harbor Freight) didn’t work, not a bit of compression out of this compressor. I hope the next one, if and when it arrives, makes it beyond a few months.

Keep away, I work for a RV repair facility and every time a customer brings one from Portfolio we want to run away. Extremely hard to get approvals, they will stall you for days or weeks hoping you get frustrated and give up. Both the repair shop and the policy owner have to be very consistent and diligent to get any repairs covered. Once they told us that the repairs were not authorized after the repairs were completed. We had a claim number and the amount. It took some time to resolve the issue. The excuse was the person who authorized the work didn't make a note in the computers. It's a joke of a company. DO NOT BUY!

I bought this insurance, just in case of an accident, to help me cover the difference between what the car insurance would pay and the balance of the car loan. After six months of driving the car, got in an accident and it was a total loss. After my car insurance paid the settlement amount, I contacted the GAP insurance. I got a big list of documents that I had to submit; So I called the bank, the car insurance, the dealer, the police department, etc. and gathered all the documents (they won't process your claim until you send them every single document that they ask for). At the end, my balance with the bank was about $3700.00 but they only paid $1390.00!! If you want GAP insurance do your research first and read the fine print. If I ever have to get GAP insurance again, I will make sure it is NOT with this company!

I purchased this plan when I bought my used Dodge Ram. The truck transmission failed after 56000. The warranty was good till 6/2021 and 75.000 miles but Portfolio kept saying it expired due to time, would not pay and dealer won't honor it. Either Contract was worthless.

I bought the highest coverage (and most expensive plan) to have peace of mind in the event a major breakdown happens to my certified used car. After two years of normal use, the transmission broke. I called them and was told to take it to the place I purchased it. I informed them I live now more than 200 miles away, so I was told to take it to the Chrysler dealership where I had to pay $250 diagnostics fee, when they came up with the estimate of $3,400 dollars, I was asked to submit maintenance records, which I had and showed them. After that, they called and denied my claim, because I had replaced the tires with a slightly taller ones, and because of that, they could not pay for the repair.

Would not recommend this company for any of the products they offer. I work in insurance and I know how long claims generally take. I had a total loss on 08/31/2018 and it is currently 02/06/2019 and no payment has been received from Portfolio. I had all paperwork that was requested submitted by 09/11/2018 (which by the way is an astronomical amount of work and paperwork needed compared to any GAP company I've ever dealt with). And even after they received all the paperwork they requested they still haven't approved the claim. It has been 5 months. I've called in 5 times a day every business day since 10/01/2018 with my average hold time being 10 minutes. My lender has also called in several times in an attempt to get the claim approved. THIS COMPANY IS AN ABSOLUTE JOKE AND IS THE REASON EXTENDED WARRANTIES/GAP INSURANCE HAS SUCH A BAD REP. I wouldn't trust them covering a hot wheels toy car.

We have a 2014 Forest River Fifth Wheel that developed a leak in the shower faucet behind the wall. The leak created a soft floor in the entry way, adjacent to the wall. The faucet is covered, but the floor is not. We have a 7 year warranty, and we still owe over $20,000 on a trailer. We only use it in the summer months, and never anticipated to be out thousands of dollars, in just 4 years.

I have been using Portfolio for many years and every time I call Beverly in VSC Administration with a request it gets handled. I can always count on Beverly to handle any request quickly and completely. Even if my request is outside Beverly's department, she works and follows up to make sure it gets handled. Beverly is my "go to" person when I need anything regarding contract tracking, inputting, rating, remitting etc. She is always professional, always polite and always happy to help. Thank you very much Portfolio and thank you very much Beverly!

My car was in the shop for 1 whole week for about a 2 to 3 hour repair. The claim was filed and an urgent was sent for me needing my car because of travel and holidays. The shop waited on the reviews team for a few days and finally was approved. Well in the meantime you cannot rent a car until the reviews are approved and when they are the pay a whopping $35 towards the rental (not even half). One 1 week to the day I went to pick up my car and the shop told me they are still awaiting payment.

The first issue is that they require that the vehicle be taken to the seller. Even if the seller has no maintenance or repair facilities. The Second issue is that I was told it was a Bumper-Bumper warranty. It is quite the opposite. It only covers things that are specifically listed in the policy. Frankly, this policy covers very little and uses ridiculous things to keep from paying.

Warranty reimbursement not what I was told. By the time that they read the claim 2 months had already passed and still no resolution. Read claim on 9/11, 60 days passed when it is read they might answer. Sent the email on 7/13, it was read on 9/11 and it's 60-90 days after that they might answer. Will never recommend them or buy a warranty from a dealer again. You're better off buying your own from a reputable company.

I can't believe the Portfolio Extended Platinum Used car Warranty service wants the mechanic (a trusted Certified Mechanic) to use USED Parts to repair my car. I paid good money for the extended premium extended warranty. I was also surprised to find out that they keep refusing repair of parts that are clearly covered under the warranty in writing on the contract. They also refused to pay for the rental car during the diagnosis phase of repair and only covered up to a total of 5 days (smallest and cheapest car available) per PO#. They took weeks to make a decision and the auto mechanic had difficulty getting them to call him back to get approval for the repairs.

Bought a Portfolio extended service contract on my son’s Nissan Sentra as a “just in case” because he was going to graduate school a 12 hour drive from our home. Boy am I glad I did. The car had multiple issues (air compressor, transmission). My son was able to get the issues taken care of with relative ease. They even gave him a rental car so he wasn’t stuck without a car while they repaired his car. Thanks, Portfolio.

Portfolio refused to cover the labor to replace 2 year old TCI trailer axles on our Genesis Supreme with excessive camber that dangerously wears the outside edge of all four tires. No damage was done to the axles, and they still refused. Don't waste your money buying this extended warranty.

Just want to share my personal positive experience I had with this company. My car was Total Loss due to accident. Express Gap paid off the difference of interest, depreciation as well as my $1000 Insurance Deductible. I could've end up still owing over $6000 for my Total Loss vehicle. I see no valid reason to buy any car without Gap Insurance.

Best decision I have made for covering my leased car. My dents were fixed as I was in the lease and my lost key was replaced at no cost to me. Definitely recommend this product. Plus it provides 24 hour roadside assistance.

I purchased a Kia Sorento in June 2017 and I wasn't sure about buying GAP at first but boy am I glad I did! Sadly someone crashed into my parked car about 4 months later and I had to open a claim with my insurance company and with Portfolio for GAP. I luckily did my research and was able to upload all the required documents on their website. I was able to track the claims progress on their site and see that a claim payment was sent to my lender about two weeks later. So happy that GAP took care of my outstanding balance and I was able to finance a new vehicle without having old debt from a totaled car. Thank you Portfolio!

I made a claim for 456.00 on a motorhome policy that costs over 7 thousand dollars that after my 200 deductible = 256 and it was held for 6 months with every excuse why it wasn't paid like it's still sitting on the desk of the person who writes the checks! Called the broker in CA and got her to light a fire under them! I Just now called to make my next claim and it's a 45 min wait to even speak with someone. Seems most reviews are similar to mine. So take a note and pass on these guys.

Submitted the required information 3 times via regular mail. They kept giving me a different box number each time saying the post office gave them a new number. I called all the phone numbers in the warranty and online numbers and no real answers as to why they are not honoring the warranty. This is a very dishonest company and they rely on the dealership to sell their policies. I suggest to go after the dealership where you purchased the warranty.

On April 13th my car had a check engine light. I brought my car to my local BMW dealer to get it diagnosed. It turns out my car had an oil gasket leak, an A/C evaporator leak, and needed new thrust rod bushings in the front of the vehicle. All of these repairs were going to cost around $5500. Luckily, I bought the "exclusionary" extended warranty to cover the cost of repairs. I was a bit skeptical of the warranty, seeing all of the negative feedback Portfolio has received from other customers. However, after the inspector came out to look at my vehicle, they ended up approving all of the repairs.

I purchased a car for my son October 2016, the car was totaled December 2017. I submitted a claim with Portfolio immediately, who asked me to provide several supporting documents to complete my claim - which I did. After 30 days of review, Portfolio paid the lien-holder $82 even though my balance was $1,100. Apparently, because my insurance company deducted money for preexisting condition (other dents and dings) of the car Portfolio would not cover the remaining balance. This company should be out of business. This company is a bunch of hustlers. I purchased the car from Fairfield Ford with a dings. I totally want to start a class action against Portfolio for fraud to consumers.

I purchased the extended warranty on my new used car. I had a brake sensor highlighted on my dashboard stating it required immediate attention. It was an emergency that I get the brakes fixed. I got them fixed at the local mechanic shop. I contacted them I asked them if they were going to cover the charges, they stated that it would be covered. That was nine months ago. They kept telling me I need to submit different proof that the job was done. I did that, then they stated they weren't going to cover it. As far as I'm concerned to the future consumers out there do not purchase Portfolio extended warranty protection. They do not do what they state they will do. Save your money and pay for the expenses yourself.

These people are a joke. I first called First Extended Service corp after a claim at dealership was denied. They couldnt tell me anything other than what the claim itself said. They gave me the number to Portfolio who directed me to the claims dept within their company. Per Jose - "All we do is process payments". He gave me the number to First Extended Service...again. I explained that I have already called that number and was told to call Portfolio. This is a never ending circle of unresolved crap. DO NOT WASTE YOUR TIME/MONEY WITH THIS RUNAROUND. And avoid dealerships that work with these companies!

I bought a low mileage used car recently from a dealer and purchased the Portfolio Protection warranty. Unfortunately the car has been a lemon. Failed door actuator, failed fuel vapor system, failed transmission. Total cost of repairs has been over $6,000 in the first four months of owning the car. Portfolio Protection covered all of the repairs with my only having to pay a $100 deductible. They worked quickly in all cases, paying the dealer the same day so I could get my car back (dealer won't release car without payment for repairs). Would highly recommend Portfolio Protection. I will buy their coverage in the future. If you are making a valid claim they do honor their commitment and act quickly.

I had a 2015 Nissan Altima. It was flooded in Aug. 2017. I bought my car in 2015 and purchased GAP from these people through the dealership. I had a collection agency call me today trying to collect a debt in the amount of 8,624.27. GAP claims that they was not entitled to pay anything because I had not paid but 17 payments of 35 and was late. I did have two deferred payments. Nissan shows I was never late. So I don't know what to do now. I am guessing a lawyer maybe in the plan if this doesn't get resolved through arbitration between Nissan and the Portfolio.

Purchased a plan F warranty when I purchased my 2004 F250. Took it to dealer after noticing an oil leak. The dealer submitted my claim to Portfolio and they denied my claim. They stated that they did not cover oil cooler gasket. Plan F reads all gaskets and seals. Do not purchase a warranty from Portfolio. They will just take your money... Portfolio shouldn't offer a used car warranty if they don't cover anything their plans offer.

5 months ago I purchased a truck from a dealership. 2 months after I owned it I needed repairs. I brought it to Firestone, paid for it out of pocket, called PORTFOLIO, followed the instructions to get my reimbursement. A month went by, I haven't heard anything so I called, I was told that they haven't gotten anything in the mail, so I asked for a fax number or email that I can send the documents to. I was told that it HAD to be sent by mail. So I sent the documents again certified mail. That was 3 weeks ago. I talked to them today and I was told the same thing, I even asked for the manager, or someone higher up. I was denied. I REALLY think this a scam, if you deal with a dealership that deals with PORTFOLIO... RUN. DO GIVE THOSE PEOPLE YOUR HARD EARNED MONEY. Now I'm out of over 3000 U.S. dollars.

They kept us waiting for 3 days, gave us the runaround, and frustrated us to no end without approving our claim even though they told our mechanic that the repairs were covered. I wound up canceling the contract. Would never recommend this scamming company to anyone.

We purchased a 4 year extended service contract for our 2010 Tiffin Phaeton RV on June 19th, 2015 in the amount of $5680.00. On September of 2017 the Inverter in our RV went bad. We took it to Lazy Days for repair. It was required by Portfolio that we take it to the dealer we purchased it from for the repair. We were scheduled to go on our annual trip the next day, so after confirming with Portfolio that the inverter would be covered, we elected to pay Lazy Days directly so we didn't have to wait any longer to leave on our trip. The replacement and installation of the new inverter was $5060.20. I mailed the required documents to Portfolio on Oct 3rd. They requested the 1st page of the contract, the invoice and the paid receipt along with our contact info.

I bought the gap policy at EDH Mercedes Benz when I purchased the car in 2015. The car was in an accident April of this year and my primary insurance totaled it and paid $18,000+ to lender leaving a $440+ gap. To this date they are playing games with document request monthly after you think they've settled. I have countless hours of time in this and the lender and primary insurance are baffled at the insane amount of documents requested. I've requested they just refund my money being it's greater than the gap, no can do since claim is open they say! This companies business model appears not to provide gap coverage but to scam you out of your gap purchase. BEWARE!!

While on Spring Break in San Antonio, Texas, I had a flat tire on a Sunday. I don't know why the garage was open, but they said my tire was ruined and they'd have to replace it. They found a replacement for this rare tire on a crossover SUV, and I was on my way within 2 hours. But they said they saw my Portfolio card in my car and gave me the 800 number to call. I submitted my receipt for around $250 online, got expert friendly help from the Portfolio lady, and my check in less than 2 weeks to reimburse me 100%. Not many warranty places actually help you get your reimbursement check. Best warranty service I've ever experienced.

I had to take my 2011 Ford Flex in for repairs. No problem, I thought, it's still under the extended warranty from Portfolio/First Extended Service Corp. Then I find out that even though I have the "Plan B" coverage, which is the "Plan P" and "Plan A" combined (or basically everything) they don't cover fuel pumps and I'm on the hook for over $1100. Thankfully I have an outstanding service rep at Santa Margarita Ford who called Portfolio and argued on my behalf and they agreed to reconsider and cover the repair. Portfolio then tagged me with a $100 deductible.

I bought the extended warranty for $2250 at the dealership. 2 years later, I thought it would come in handy. WAS I WRONG. Car was towed 8/29/16 to the Pep Boys repair shop. On 9/7/16 Pep Boys called me to inform me that they could not get in contact with Portfolio Protection/First Extended Corp to authorize the work. They were concerned because the part was needing to be ordered. It was nice to know Pep Boys cared I had been without my car for a week. I told them I would see if I could make any progress - I called the warranty company only to be on hold for 15 min. The customer service guy was named Mike - I think. He was beyond rude. Did ZERO to help me. I asked if he could please have someone call Pep Boys since they obviously couldn't get through by pressing #1 for repair shops. He informed me they were an Inbound call center not an Outbound and it was Pep Boys job to call them.

So I bought my used 2011 Honda Civic from my local Chevrolet dealership here in Oklahoma City. When I purchased the vehicle, I went ahead and bought the extended warranty on the vehicle from Portfolio (First Extended Service Corporation) just in case something happened. Well with my luck, it did. Brought the car to my local Honda dealership and they diagnose that the bottom end of my motor is knocking so they will need to replace it. I dropped my Honda off at the dealership on June 20th, 2015 knowing they won't be able to diagnose it till Monday.

I have the hi-tech service agreement from portfolio. I have read all the fine print and understand that the service agreement is with the company from which I purchased my vehicle from. National Automotive Group of Jacksonville, NC is denying a claim for a leaking exhaust manifold because the warranty doesn't cover bolts that are broken. But the warranty does cover the manifold and all seals and gaskets of covered parts, which in turn would cover the repair minus the bolts which would need to be taken out to repair the gaskets anyway. I would be willing to pay the service department inflated price for the hardware if they would cover the repair as the warranty states they should. Overall I believe the warranty is waste of consumer money.

In August 2014 the radio on my 2012 Hyundai Azera stopped working. Since the car contains a lot of electronic systems I purchased an extended coverage warranty from Portfolio/First Extended Service to cover just this type of eventuality. So walked in with my contract thinking I was in good shape, big mistake. My service department contacts Portfolio and they don't want to replace the radio - they want to try and see if they can fix it. To do this they need to remove the radio, ship it to a repair shop, have repair shop evaluate it to see if it can be repaired, order parts, wait for parts to arrive, perform the fix, then ship it back, then have it reinstalled. Total time period = 3 weeks.

My wife, Sterling **, purchased this warranty through the dealer, Equity Auto Center in Tempe, Arizona on 11/03/2012. The price of this product was approximately $1552.00. The salesman said that this particular extended warranty was the best you can get, "top of the line." The salesman presented this warranty as a "peace of mind" for a young college girl on a limited income. The salesman and the company brochure stated the following: "YOU WILL DRIVE WITH CONFIDENCE AND SECURITY WHEN YOU CHOOSE THIS EXTENDED SERVICE AGREEMENT." She was lead to believe that she would be covered for any expensive repair including high tech electrical problems. They also stated that they would provide roadside assistance and towing to the nearest repair facility.

I purchase the highest plan (Plan F) coverage for my Toyota when I bought it from the dealership (Dorsch Ford Lincoln Kia of Green Bay). Couple months down the road (4/3/14), one of the level sensors went bad. I called Portfolio aka First Extended Service on 4/3/14 about warranty on my Toyota. First Extended told me to bring back where I purchase the SUV from so they can diagnose it. I drop off my SUV to the dealership where I purchased from, dealership called and said First Extended will not cover the parts or service, it needs to be repaired. I called First Extended and talk to one of the reps, and he told me they will NOT cover the sensor.

2006 325xi under an extended "Plan F Hi-Tech Coverage" warranty with Portfolio/Virginia Surety. On January 22, 2013, I started my car and it immediately started shaking. The "service engine soon" light came on. I took it straight to Autobahn DFW dealership of Fort Worth, TX. They repaired it the same day. The problem was an ignition coil, which they replaced. The dealer called in to Portfolio and was told this problem was not covered under warranty, so I paid $364.91 out of pocket to get my car back. I called Portfolio at 1 -800-527-3426 twice to try to get this resolved and speaking with a manager the second time. I explained that an ignition module is listed as covered under my warranty and when you look up that term on the internet, it says the ignition module is an interchangeable term with ignition coil. I sent them proof of what I was referring to. They still denied my claim and were very unwilling to cooperate or come to a resolution.