protectiveassetprotection.com Reviews 

I’m extremely disappointed with my experience with this GAP insurance company. The reason I purchased GAP coverage was for peace of mind in the event my vehicle was totaled. Unfortunately, after my vehicle was totaled, I was surprised to find that the benefit I received was only a little over $1,000, leaving me with approximately $5,000 still owed.

I understand that the terms of the policy are outlined in the fine print, and I take responsibility for not fully understanding how the benefit would be calculated before purchasing the coverage. However, I was very disappointed by how difficult it was to get a clear explanation of the calculation.

I have reached out multiple times by email and phone requesting a detailed written breakdown of how my benefit was determined. Instead of receiving a clear explanation, I was directed back to my lien holder, who had previously directed me to contact the GAP provider.

My biggest concern is the lack of communication and customer service throughout this process. I understand that there are specific terms and limitations to the coverage, but I believe customers deserve a clear explanation of how their claim and benefit were calculated, especially during an already stressful situation.

If you are considering purchasing GAP coverage through this company, I strongly recommend reading the policy carefully and making sure you fully understand how the benefit will be calculated in the event your vehicle is totaled.

I am still requesting a detailed written breakdown of my benefit calculation so I can fully understand how the final amount was determined. I hope the company will take the time to provide that information and improve the customer experience going forward.

Had the diamond plus package on our Infinite Q80 . Had our catalytic converter fail in the middle of South Dakota and had to have it towed into a Nissan dealership in Rapid City.. cost us $800 just for the towing. This company refused to cover even the towing or the repair on the converter.. on top of that the Nissan dealership refused to fix an Infiniti vehicle. Request requested that we tow it to Denver, Colorado.. on the same trip windshield tore off our window molding of the windshield. RPM refused to cover this.. please don’t waste your time or money on this #Warranty it’s a complete rip off.

I wish there was a way to put down negative stars. This company definitely lives up to it's name with the negative reviews all over the internet. I have never had such bad experience with a warranty company.

If you try to cancel with them, they will hold you hostage. They expect you to honor and abide by the contract you sign but they don't believe the same applies to them. They will fight you and make up additional restrictions and parameters on the content of their contract just to avoid either helping with a claim or canceling the contract. I cannot believe that a reputable company like Toyota would sign up their customers with this ridiculous company. I seriously believe this company is a scam or some fraudulent scheme that people are not fully aware of yet. Avoid them at all costs.

I have had so much back and forth with them and then they eventually stopped responding to my emails entirely and no matter how many follow up emails I have sent, they continue to ignore me. I will probably take legal action against them and everyone who has a bad experience with them should at the very minimum report them to the BBB.

Their contract very specifically says that a customer has two options of canceling their warranty. Either go to the dealership that sold them the vehicle OR the customer can directly email them with all the necessary information they require to cancel warranty. I have done this and no matter what I do or say, they refuse to cancel my warranty and after some back and forth correspondence, they stopped responding and have been ignoring every effort I have made to contact them, follow up or get an answer.

Next time a car company tries to sell me a warranty with this company name, I will refuse immediately. You basically sign up for a scam with no one to offer any help if you need it.

Drags out the process while attempting to "prove it not the owners' fault." Denies understanding of common manufacturer issues of fault. 2017 jeep 3.6l valve issue... Diag, Diag, Inspection, Review, Diag? etc...

The devil is in the details... I got a battery-replacement-for-life coverage for my new motorcycle. The battery failed at almost but not quite 6 months. Dealer service concurred that the battery was bad and opened a claim on my behalf. That claim was initiated at 175 days. The detail missed by both the dealer and me was that there is a 180 day waiting period for coverage. My dealer rep called Protected Asset Protection (PAP) to get the clarity on the denial. The dealer also was told that since the denial was in place that it would stand without a chance to resubmit for that battery even after 180 days. My call to PAP yielded a similar response. Give it to them for consistency.
The dealer and I take responsibility for not reading the contract in depth. Especially with this being a new coverage that they could offer at the time of sale. Reportedly I was the first to purchase this plan at that dealer.
Read your contact and don't get smeared by PAP because you missed a detail to which they will strictly adhere.

Protective Asset Protection has willfully refused to honor my January 3, 2024 Vehicle Service Contract cancellation, despite a verified Staples Fax Confirmation (#122317) proving timely notice. They have falsely accused me of altering PDFs, a malicious, defamatory tactic to delay payment, while internally using the same format for GAP refunds—showing bad faith, selective enforcement, and intentional obstruction.

They also ignore a July 30, 2025 phone call where their representative instructed me to accept a 90-day refund and “fight for the rest” (call unrecorded due to mobile signal). After nearly two years of delay, they only acknowledged cancellation after my July 28, 2025 signed form and arbitrarily limited the refund, disregarding clear proof of my original cancellation.

Evidence: Staples fax confirmation, email correspondence, GAP refund records, signed cancellation form, call notes.

Failure to comply by [insert date/time] will result in:

Immediate regulatory complaints with Missouri DCI and PA Insurance Department
Legal action for breach of contract, defamation, and bad-faith practices
Public escalation, including BBB profile and media exposure

Supporting Evidence:

Staples Fax Confirmation #122317 (January 3, 2024) – verifies cancellation request

Email correspondence with Protective Compliance – confirms submission and follow-ups

GAP refund records – showing internal acceptance of PDF archives

July 28, 2025 signed cancellation form – confirms later acknowledgment of contract

Call notes and written admissions – confirm prior instructions from Protective representative

Demand:

Full acknowledgment of the January 3, 2024 cancellation date
Immediate issuance of the full retroactive refund owed
Cessation of all defamatory accusations
Failure to comply will result in formal complaints with state regulators, legal action for defamation and bad-faith practices, and public escalation.
Consumer Name: Chris Allard
Date of Original Dispute: January 3, 2024

My door handle was damaged. For some unknown reason, the company refused to cover this. It cost me $465 to have it fixed.

Extended Warranty Warning – Protective Asset Protection

I want to share my experience with Protective Asset Protection, the extended warranty company I was sold when I purchased my vehicle about four years ago.

At the dealership, they highly recommended the extended warranty and convinced me to go with the premium package, claiming it would cover everything mechanical and more. I trusted their recommendation and paid over $2,000 for the coverage.

In four years, I’ve only needed to use the warranty twice—but both experiences have been extremely frustrating.

First Claim – November 2024

My 2016 Chevy Suburban began having transmission issues. After taking it to the dealer, my vehicle sat there for over 45 days while the warranty company delayed and debated the coverage. Despite the clear need for a full overhaul, they only approved repairs of select parts, insisting on taking the “cheaper route.”

Fast forward six months later, the same transmission problems returned—proving that the band-aid solution didn’t hold. Now my car has been at the dealer for 50 days (and counting), and again, Protective Asset Protection is delaying approval. This time, they required the dealer to open the transmission, just to justify another repair rather than a proper replacement.

Rental Coverage Is a Joke

Their rental reimbursement is completely unrealistic. They only cover $35 per day for a maximum of 7 days—but rental agencies simply don’t charge that little anymore. In my first experience, they took 30 days to approve the repair, meaning I had to pay out of pocket for a rental. I spent over $500, and they reimbursed less than half.

Now, with the car again in the shop for nearly two months, the warranty company still hasn’t approved the repairs—so no rental reimbursement is being offered at all.

⸻

In summary:

I paid over $2,000 for “peace of mind,” but all I got was stress, long delays, and poor coverage. Protective Asset Protection may sound premium, but they do the bare minimum and constantly delay or deny legitimate repairs. Their priority is clearly saving money—not protecting the customer.

I strongly advise others to think twice before buying this warranty. It’s not worth the cost or the frustration

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.