Assurant Vehicle Service Contracts Reviews

Our vehicle has been experiencing issues related to the turbo lately, which has been causing the vehicle to lose power, misfire, make a loud whining noise, and at times the engine dies while idling. After dropping the vehicle off at the dealership, they inspected it, then filed the claim with Assurant for replacing the turbo and catalytic converter. After about a day of having the vehicle, we got a phone call from the dealership, stating that Assurant needed us to call them, because they needed service records to prove we've been taking care of the vehicle. While that's all good and well, I do the oil changes myself, as it saves time and money, and this is where things start going wrong.

I called Assurant, and I was initially told by the lady I spoke with that the claim is currently "under review," and that there is nothing more that they need. I explained that I was told that they did needed service records, and the lady again said that there are no notes in the claim about needing any documents, so I asked if she could verify it in some way, since the dealership said Assurant specifically asked for this documentation.

The lady then checked with Claims, who indeed stated that they needed documentation of oil changes, so I asked the woman what I needed to do about the oil changes I did myself. She assured me that all I needed to do was to provide receipts for any oil changes I had done at a shop, but for those that I did myself, I just needed to provide a log of service dates and mileages, along with receipts for the oil and filter. She then told me I could either provide them directly to the dealership handling the repair, or email them to their email address; I chose to email them directly to Assurant, thinking this would help expedite the claim, since we're down a vehicle, and we both work; that was VERY wrong, because Assurant will not contact you directly, and only contacts the shop handling the repair.

A day went by, so I contacted Assurant to see where the claim was at, and they told me that it they had received everything I emailed, and that the claim was "still under review," but usually doesn't take long to move past this. The next day, I checked the claim again, and it was still "under review." The following day I got another phone call from the dealership, who stated that Assurant had contacted them again, asking them to remove the valve cover and take pictures of the valves and send to them, to "verify that everything looks clean." I asked them why they needed that, and they said they weren't sure, but that they mentioned that we had missing service records. I asked the dealership to hold off on removing the valve cover, because if Assurant denies the claim, guess who gets to pay for that...

I called Assurant back and asked them why they're asking the dealership to remove the valve cover, and this lady told me that it was because I had missing service records. I asked the lady what service records were missing, because I had provided them records for all necessary oil changes for the time we'd owned the vehicle. She said that it was because of the oil changes I had done myself. I explained that the woman I spoke with initially told me that this would be fine, and that I just needed to provide my service log and include receipts for the oil and filter for each, which I did. The woman said "Yeah, sometimes that works, and sometimes it doesn't." What does that even mean? "SOMETIMES it works?!"

The woman then stated that they needed the dealership to remove the valve cover and take pictures, so that they can make sure it all looks clean. I explained that we're having issues with the turbo, which has already clogged up the catalytic converter, which means that the area they want pictures of may not look clean, simply because of the nature of the issue, so I asked it means if it's not clean. She told me that they would probably deny my claim. I said "Look, if you deny the claim, after asking the dealership to remove the valve cover, now I have to pay for that labor, so what is the likelihood that they will get the valve cover off, send the pictures, then deny the claim, whether it looks good or not?" She said "it's pretty unlikely." Again, "pretty unlikely?"

At this point, I'm pretty frustrated, because 1.) I don't just buy oil and filters, nor keep a literal Excel spreadsheet of service dates and mileage for the fun of it, so I'm obviously pretty annoyed at this point. I told this lady that Assurant will be paying for this service one way or another, because if they deny my claim, I will cancel the remainder of my contract, and they will then have to refund me the remainder. Mind you, we've had the car not quite two years, but we bought the best plan they offer, so we've still got over half off our contract, in both time and mileage, remaining. The woman said "I understand. We just need this to verify that the vehicle is being taken care of." I said "That's what you said about the service records, too, and again about 'just needing a log and receipts,' which was obviously not correct."

I asked what I needed to do at this point, and the woman said, just have them remove the valve cover, take pictures, then send them to us." Then she said "Make sure to tell the dealership that they MUST contact us once they submit the photos, because we will not contact them first." This is so stupid, and only used to delay paying out claims. After hanging up with Assurant, I called the dealership back to authorize them to remove the valve cover and take pictures for Assurant, letting them know that they MUST contact Assurant once they do so. The dealership said they would get on it. Fast forward to today, and it has been several days now since authorizing the dealership to remove the valve cover and send Assurant pictures, and the claim still said "under review." The dealership claims they sent the photos days ago, but that they have not heard anything from Assurant yet, and nor have I.

The horror stories you will see on the internet about Assurant are true; they WILL do everything they can to deny your claim, because they want your money, but do not want to have to actually pay for any repairs. I am going to contact Assurant again tomorrow (Monday), since they're closed on weekends, where I'm expecting them to either tell me that it's still under review, or just flat-out denied, because the valves are dirty. Of course, why wouldn't the valves be dirty, the turbo is acting up, and I would wager A LOT of money that they're going to use that to "prove" that we haven't keep up with the maintenance on our vehicle.

Assurant may be good for smaller things, like electronics, and other things you can do without for a little while, but this is our second vehicle, which we need because we both work. Of course, our contract does include rental reimbursement, but only $40 per day, and has a max reimbursement amount of $280, which gets eaten up by all of the additional rental fees, a max time of 7 days, plus it all has to be approved by Assurant prior to obtaining a rental, and you have to work through the repair shop to obtain one, and if the claim gets denied, we have to pay the cost of the rental, in addition to the removal and reinstall of the valve cover, AND the repairs for the actual problem.

This is one dastardly company. Should they actually come through and approve the repairs, I'll be astonished, but I will come back and update this review to note it. That said, I'm not holding my breath, because the dealership has had our vehicle for almost two weeks now, and we're no further along in this process than we were the day we dropped it off.

Original: Don't count on this company to do anything they say or claim they will do. Denied an obviously covered repair. They just lie, lie, lie. The employees should be ashamed to even take a check from this company. Lucky it only cost me $275 and then canceled. Terrible company that is in business just to take your money and not pay claims. THEY SUCK.

My insurance is up in November if I weren’t giving my car to my daughter who has two babies. I would ask for my money back for the rest of the policy and cancel. I can tell you this insurance company is making money off of people because they even sell this insurance policies in stores where you buy appliances small and large. DONT BUY!! You will not get anything back!!!! I am going to continue to plaster their name so no one else gets ripped off.