protectiveassetprotection.comReviews of protectiveassetprotection.com

Company refuses to accept replacement claim from certified dealership service center. Replacement is in warranty contract, but company refuses to honor contract.

I have protective asset protection warranty on my 2019 Mini clubman. initially, I was very concerned as I had read some poor reviews about their warranties. I had maintained my car perfectly. I have only put less than 20,000 miles on my car since purchasing it two years ago I do not drive often. In that time. I have changed my oil four times. I have changed the filter twice. I have changed all the spark plugs. I have replaced the rotors the brake pads. I have also changed out several hoses connecting to the turbos that were leaking and corroded. I have also done other work to the car that was just generalized upkeep and maintenance. This was pretty extensive. For less than 20,000 miles. The car needed significant repair upwards of $6000 which I was so concerned that the warranty would not cover. I was shocked when I found out that they covered the entire cost of this. it did take some time for them to actually make all of this happen and it was over Easter. I appreciate their help. I will be purchasing another warranty from them. It was definitely a relief. I am in palliative care. I am very sick. I am on chemo and it was stressing me out beyond belief to think I was going to have to shell out more money on this car. I think everybody has to realize that part of the problem is you need to be doing all the maintenance to your car you cannot expect a warranty company to uphold their end of the warranty if you are not upholding the maintenance on your car. I uphold the maintenance perfectly on all my vehicles. I take very good care of my cars and I do believe that that is why they stood behind their end of the warranty. I appreciate them and I will be back as a customer. I’m giving them five stars.

I do not recommend this company. This company ignores safety standards and will only replace parts AFTER they have failed. My vehicle has been in the shop twice in the last two weeks after fuel injectors failed and gasoline spilled everywhere risking a vehicle fire. Both times my mechanic tried to get them to approve replacement of all the injectors and they declined my claim. They play fast and loose with their contracts and put profits over people and safety.

I purchased the highest coverage possible: the Ultimate Guard. In addition, added the "Luxury Electronics Coverage" which was supposed to cover as follows: "The following emissions related components are covered: Air fuel ratio sensor; anti-knock sensor; fuel sensor; idle air control valve; intake air temperature sensor; intake manifold; manifold air pressure (MAP) sensor; mass air flow sensor; oxygen sensor; powertrain control module (PCM); exhaust manifold." The check engine light came on and I took it to the local dealership. They diagnosed it as an emissions-related component failure, specifically the Evaporative System Integrity Module (ESIM). The service manager contacted Protective whereupon the claim was denied. Even though emissions-related components are supposedly covered under the additional Luxury rider, this particular part was not "specifically listed." As it turns out, it is a $20 part that takes 5 minutes to replace. Protective refused to cover it or the diagnostics related to it. This appears to be bad faith. When one is sold the top tier coverage with the additional luxury package coverage, one would expect a simple $20 part be covered, especially given the misleading coverage wording.