Safe-Guard Products International
Reviews and Complaints

Horrible, just a horrible company to deal with! After repeatedly sending in the required forms via email AND the portal everything gets accepted then weeks later, rejected FOR NO REASON repeatedly over & over again. Spoke with multiple supervisors who are inconsiderate and provide misinformation. My insurance agent, financial agent, & the dealership have ALL sent in the required docs as well and they get rejected too. This company is a scam! The mental distress they cause is terrible & unnecessary! They are crooked, do NOT buy Gap from them! ZERO STARS

Customer service is terrible. Denied claim and gave me a different reason each time I called and I was told to just cancel it because they were not going to pay. Finally went back to dealership and they talked to them, provided paperwork and made it sound like they would pay but again I was told no benefits with another reason with a different explanation. Now I'm looking to retain a lawyer and let them deal with it. I thought the purpose of taking out GAP INSURANCE is to cover what other insurance doesn't cover. Safeguard says it's not. Would not recommend them to anyone.

I was traveling when I damaged a tire beyond repair. It was replaced. I replaced it while I was traveling away from home. When I got home about 5 weeks later I looked up my wheel and tire policy I purchased from the dealer. I called and the claim was immediately rejected because they required you to get authorization within one day of the incident. That one day policy was not written anywhere in the pamphlet the Ford dealer gave me. I called to cancel my policy and they did a complete 180 and wanted to approve the claim. I am in the process of canceling the policy because I no longer want to do business with a company that hassles their customers and does everything they can to try and deny legitimate claims.

I contacted Safe Guard to cancel my GAP insurance because I was refinancing and my Credit Union offers GAP at 1/2 the cost. I have a pending loan that I made them aware of and I requested the cancelation be expedited, and was told it would be. When I called back today 2 weeks later, I discover that absolutely nothing had been done to process my request. They finally canceled it today and then tell me that they wont even mail the check for another week, then it HAS to go to the dealership, before they will send it to the bank to be applied to my loan. So minimum of 2 more weeks will go by and my preapproval will expire. So now I have NO GAP, no preapproval, and my credit score has been affected, and technically nothing has been done. The company assures me there is nothing they can do to fix the situation.

Unprofessional staff. It seems like all the Safe-guard employees are in one house and it doesn't matter whom you call, it goes to one house and they are all giggling and talking to each other in the background. I realized that when I needed to raise an issue to the supervisor and noticed the sameChildren background noise when I talked to different departments!
They don't give any confirmation when you submit your documents, and when you call back to check in your claim status they simply deny receiving the documents. I submitted the documents again and when I ask for confirmation for submission of documents so this time I will not be called a lier they said they can not provide one and all I can do is wait. They just yell at you and in the middle of conversation they go silence whenever the kids in the background come over to ask for snack! It is the most frustrating experience l. It is not worth going through all that trouble for couple of thousands of dollars if God forbid you have a claim

Will do anything to get out of paying claim. Took car in for oil leak and was told the repair was covered under the 10 year 100,000 mile warranty and car would be ready the next day. The next day came and was told by Hyundai dealership that the car was fixed and taken out on a test drive and my timing chain broke. Hyundai sent the claim and they denied it. I can't seem to wrap my head around how the repairs were covered at first and fixed and then the claim gets denied. They had the audacity to tell me it was my fault the car leaked oil and they denied my claim based on that and that I refused to pay for the repairs when I was told the repairs were covered and no cost to me I even have receipt proof I wasn't charged for the repairs. Now I have to pay 5,000 dollars for an new engine and not to mention they just settled out of court for engine problems related to my car make and model. I'm so frustrated im still paying the car payments and insurance and renting cars to get around I don't have 5,000 to get my car fixed.

I had a great Supervisor who helped me resolve my issues concerning my reimbursement for a tire. So, I was not aware that I needed prior approval before getting my tire fixed if I wanted my warranty to be honored. I just purchased my QX55 Infiniti and when the tire blew out my policy was so new the dealership that I had fix it called in to Safe Guard but was told they didn't see my policy. At that time I was told to call them back myself with my receipt to be refunded. So that started 2 weeks of back and forth and a denial because protocol wasn't followed. This company is great because they overturned the denial and the Supervisor facilitated getting my check cut ASAP! After dealing with several customer service agents it started getting annoying until I asked to speak to a supervisor and the Supervisor solved all my issues. And went above and beyond to call me back to inform me that my check was on its way! Exemplary Supervisor skills! I'm so Satisfied and feel secure and confident that this company will always take care of me.

If I could give this company 0 stars I would. I bought a windshield protection package for my Jeep. When I got a 3 inch crack in my windshield I contacted this company to have it repaired. I had to call them 3 times before they contacted me back to schedule a repair. By the time they sent someone out to repair it - it had expanded to a 6 inch crack and by that point was too large to repair and the windshield needed replaced. They rep said they would have someone contact me to get that scheduled. Of course, they did not. I contacted them 3 more times over the period of a few weeks - every time they said they would have someone contact me and no one did. Finally on my 6th contact to them - they said they don't cover replacements - I said well had you come when you were supposed to it would have been a repair. Then I tried to cancel - they said its a non cancellable contract - which no one told me, is not documented in anything I signed. Now I'm stuck with a warranty that does me no good and a shattered windshield. Terrible service, terrible communication.

A complete waste of money to purchase this "plan" sold by the Honda dealership upon closing on the purchase of a new car. Had a screw in a tire and was leaking air on a 1200 trip home at 5:00 p.m. on Friday 10/8 night in remote Missouri. Luckily found a "Mom & Pop" rural shop to repair at a cost of $20. Got home on Saturday, unpacked, and called Safe-Guard on Monday for a claim. The representative was arrogant, belligerent, and snotty. She said to read the contract which tells me the claim had to be made BEFORE the tire was repaired. She said they might have reconsidered it if I had called on Saturday instead of "waiting until Monday". Since I have the "ULTIMATE PROTECTION PLUS" contract, I inquired about time limits for other repairs. She said, "read your contract." Appears I purchased the "PACKAGE" based on the Honda dealer's recommendation and should have read the fine print on the final contract, that you do not see until after you have purchased the "PACKAGE". If there was a "NO STAR" category, this company would get it. Their business product/plan is to bring in cash and avoid any pay outs.

The very worst underbelly of the auto industry.

I terminated my lease & needed to get a refund for a warranty product I purchased.

The sheer number of hoops & red tape these guys made me go through is ridiculous. This system is designed to keep you from getting your money back.

Why the *** do I even have to deal with these losers? I was under the impression that I'm buying something from a BMW dealership, but somehow they pawned me off to these guys.

1. They made me sign 3 different forms which all have the same freaking info. They deliberately sent me wrong forms to frustrate me.
2. They require you to call BMWFS multiple times and get all kinds of statements & certifications. Instead of doing their job, and calling BMWFS themselves.
3. They require 8-12 weeks to process payment. Are you insane? Who is the sloth who built this system? I demand to know who this person is. I will personally see to it that they experience the misery that I did.
4. They then sent the check to the wrong address (No not my address, the leasing company's address). How the *** do you do that?
5. They then made it my job to prove that the check is lost in the mail? Again, your job not mine.
6. If I find even 1 more person who had this experience. We will come at you with a lawsuit. I promise you. This is gonna cost you.

Fun fact: it's been 90 days since I returned my car & I still don't have my money back.

This company is a joke. The dealership sells you this *** claiming that you will be protected if your vehicle is a total loss. This company is a scam. Our car was vandalized on 2/27 and on March 13th the vehicle was deemed a total loss. The insurance company only paid 3956.00 We filed the gap claim and all they want to pay is 74.36 which they sent to the lien holder. I called them on 4/7 because I could not believe that this was all they were going to pay. They said that we have a warranty on the powertrain and to cancel that and they will be able to get the money for this which is suppose to be 3250.00 but the problem with this is the warranty on this expired when the car mileage reached over 100,000 miles so therefore gap should have paid this to the lien holder. They were also suppose to pay the 500.00 deductible but all they did was add it to the amount that the insurance allowed so they did not even pay this. They also deducted 2193.00 because the insurance took this off of the claim because of the vandalism and tried to say that it was prior vehicle damage which it was not. I talked to them and they told me to have the insurance send them a letter. How is the insurance going to send a letter when they already closed the claim. I am going to try to find a lawyer because I am tired of scam companies stealing people's hard earned money. Furthermore we never agreed for the car lot to add the extended powertrain warranty we only asked for gap. However, gap is a joke because they are suppose to pay what the insurance did not that is the whole purpose of paying for insurance not to pay all of this money only to find out they are only going to pay 74.36 what a joke.

This company is a complete and total pain in the rear. They will do absolutely anything to make it the most difficult experience so that you will give up on filing your claim. To the point of down right despicable. I purchased the theft protection plan which states if your car is stolen and subsequently totaled you are entitled to a $2,500 cash payment. One of the requirements is a police report with a description of the event. My theft included a violent carjacking with people being shot in their body and face. My wife and I lived through this, thank God. But the police repot I obtained clearly stated that I was the victim of both a theft and carjacking. This wasn't enough for Safe-Guard. They decided to make me re-live this event. I have been required to write a detailed description of the event and have it notarized. A very traumatic even like this, you don't want to have to think about it again. The reason Safe-guard wanted this is to tell them where the keys were at the time of the event. I am not sure what their definition of a carjacking is, but where I come from that means you were physically in the car and violently removed and your vehicle stolen. Not sure how they keys could have been anywhere but the ignition. We were in the car! Instead of using logic Safe-guard chose to be ignorant. I feel totally disrespected and wish I could do more than type this to them. I feel like they would rather torture someone than to pay a measly $2,500. My car salesman said he sells this warranty to almost everyone who purchases a new car from them and after 27 years of selling cars, I would be the first he ever had use the warranty. So it is not like they aren't making a fortune off of this sham.

I purchased a car with *** and they offered GAP insurance through Safe-Guard Products International. When my car was totaled *** told me that the information would be filed on by behalf for my GAP. All the information that was retrieved went to *** who retrieve information & determine what Safe-Guard will accept or not. I was ntacted by *** about the information that was given to them and they told me that they trashed a document because it was not what they were looking for, After going back and forth with the insurance *** it was determined that the information was what they had to accept. I emailed *** agent back and never got a response. I called the agent & left a uple messages then I called and was told the person at that extension was no longer with the mpany. I tried to call any other numbers to no success. this has been going on for over a yr. now I get an email from Safe-Guard that says my claim has been denied. I asked why had they not ntacted me? I was told they are not an outbound *** had been emailing *** for the information. I asked why not email me and they told me it was only enough room for one email. Not one time was I ntacted from Safe-Guard for them to tell me they needed any information. *** says to call your lein holder and your lein holder tell you to call your GAP *** which they give information to *** but they are a 3rd party to Safe-Guard who you don't find out about until they don't get what they want from the 3rd party mpany to tell you that you are denied. When I asked then why was I not ntacted I was told by the Supervisor, that had gotten upset with me, *** that they only need to ntact *** as they are the lein holder. I was like, but I paid for the service.

I will be putting in a complaint as well. I used this company for GAP on my 2018 Ford Fusion that, unfortunately, was in a total loss accident on 9/30. My remianing loan balance was $20,010.13, car insurance paid $16,147.09, initially the GAP insurance stated they would not cover the remaining balance and when I called to ask why I was given false information. First I was told that my car insurance had left off features and these features cost more than the reamining balance on the car- resulting in no benefit. I contacted my car insurance to be told that this information was provided and was simply over-looked. I made GAP aware of this and then they told me they wouldn't pay out because of my extended warranty on the vehicle. GAP put that the extended warranty was over $2k, once again, resulting in no benefit. After contacting the car dealership, they cancelled the warranty and paid out $1,173.72. I provided this information to GAP for them to re-evaluate, they stated they will pay out $2,689.32 but my remaining loan is for $3,436.38, I have contacted them daily to see where the process is at because the self service site is awful. After about a week I have the same information on the self-service portal so I called again to check today 11/10 and was told that a check of $2,689.32 was sent to the lean holder as of yesterday- well, yesterday on the self service portal it said that it was still in audit. I made the woman aware that there is still a balance that will be owed and she told me that it isn't their responsibility and that she didn't see documents that I had provided to them multiple times. The past month I have spent more time making sure these people do their job than I have actually spent on my own job. It is so sad that they can't help, especially when someone is already down in a bad situation. I am still waiting as the woman put it into a re-evaluation spot once again and this time I was told 5-7 days to wait. Last re-evaluation I was told 24-48hrs. When I tried to clarify she argued with me and had an awful attitude so I asked to speak with a manager. For some reason this company just cant connect clients to managers so I was told I will receive a call back. I tried to provide my number but the line was silent. I am appalled, this is the worst customer service I have ever endured, in such awful times as well. I would NEVER recommend this company to anyone.

DO NOT BUY A SAFE-GUARD BACKED WARRANTY! My experience with the safeguard warranty products international warranty could not have been any worse. When I sold my vehicle and attempted to cancel the policy, I was given a complete runaround about the cancellation process that totally contradicted the language in my contract. I was quoted a $3452 refund, which was later denied in contradiction to the contract language. Safeguard Warranty Corporation seems to know that most people will not file a lawsuit against them for $3,500. I would not recommend this warranty company to anyone. My warranty was the Porsche back warranty, so I am hoping for relief through Porsche.

Purchased the vehicle on April 4, 2023 which was a 2022 GMC Sierra Limited AT4 with 10,124 miles on April 22, 2023 had left front tire get a screw in the side wall tires are pretty much new 2/32 worn off had to replace. Called Safe _ Guard they said I had to file a claim manually due to the truck was not registered yet they were behind. We did the claim step by step and filled the form out with discount tire who did the work. Sent in the claim and today is 7/13/2023 and still no payment on a $425 tire replacement. Have made many attempts to reconcile this and they keep saying the old saying the check is in the mail BS. I want what I paid for them to take care of the claim and pay me back I am paying intrest on this and they don't care. I have all the supporting paperwork for this if needed

Safe guard is refusing to pay off remaining balance of car loan due to accident that i had. On March 13 I was driving on Interstate 95 on Hillsboro Dr when i apparenyly ran over a unknown object As i continued to drive i heard noise coming from underneath the vehicle so i pulled over at next exit to inspect the damages and that is when i noticed a oil leak. i called state farm insurance who then sent out tow truck to tow the vehicle to Autobahn Mechanic shop. I didn't make an initial police report at time of incident because I didn't think the damages would be a total loss of the vehicle. I was told by State Farm Insurance that I didn't need a police report. Due to covid19 the vehicle sat for one month at Autobahn before being inspected. After one month I was then notified that the vehicle was a total loss. State farm then paid off 16,958.25 to CarMax the remaining balance was to be paid off by Safe Guard Gap Insurance who are now refusing to pay off remaining balance I was then told by safe guard gap insurance that I needed a letter from state farm regarding loss of vehicle and then they would cover remaining balance. I emailed Safe Guard letter from State Farm and Safe Guard still refuses to pay remaining balance of claim. Purchase date of Vehicle May XX XXXX Model number 2013 *** Benz GL350. Account number XXXXXXXX Total amount of vehicle 45,929.00

Safe Guard is refusing to pay for my GAP protection for an accident i had 07/03. Claim # with them XXXXXXXX. After 2 month and based on retaliati Safe Guard is refusing to pay for my GAP protection for an accident i had 07/03. Claim # with them XXXXXXXX. After 2 month and based on retaliation. The stated the won't refund all the money i already paid and also the denied my claim for filing the claim. Here are there responses. Our processing Department has completed the review of your claim which resulted in a negative benefit and below is the detail: OUTSTANDING BALANCE AT DATE OF LOSS: $3,697.91 NADA - VEHICLE VALUE AT DATE OF LOSS: $4,100.00 The GAP protection assists for the difference between the value of the vehicle and the loan balance at date of loss but, as you can see, the value of your vehicle is greater than the balance. Take in consideration i paid 7,000 for this car a nissan versa 2011 and i paid 3 years. So how come a car cost more totalled than running? Also this is what the emailed when asked to refund my money: we are unable to cancel your contract at this point since a GAP claim was filed through it. So if you file a claim you don't get your money back? How is that even possible? I think this company is fraudulent and based on the reviews no one should be scammed like this. Someone has to do something. They literally steal your money. Please help.

On 3/17 I purchased a new Ford truck at Ford dealership that I recently found out is closed (Tom Peck Ford in Huntley IL). When I purchased the truck I also purchased an extended warranty. I traded in the Ford on [protected].I reached out to the warranty company to get a refund since I no longer have the truck. I was informed on 3/9 that I was only getting a partial refund instead of the entire amount I paid of $3365.00 the company did some math equation I didn't understand and told me the refund is around 1200.00less. Apparently, the extended warranty starts the day of purchase. I have NEVER heard of an extended warranty starting the day the factory warranty starts, the day of purchase!The point of extended warranty is to extend a warranty when the factory warranty expires. In fact there's an article in Forbes magazine about Ford extended warranty that says-"Ford motor company offers it customers the opportunity to purchased extended warranty after the factory warranty expires". The entire point of purchasing an extended warranty is to extend , why would anyone have an extended warranty during the timeframe the vehicle is covered by factory warranty'!I spoke to a extended warranty rep today and she told me that my warranty was cancelled on 3/9 and sent to the dealership for refund. That dealership is no longer in business. I have no idea how or when I'm getting my refund. PLEASE HELP

Purchased mechanical vehicle warranty Nov. 21. Had vehicle malfunction Dec. 21. Contacted warranty company and was told I can choose any dealership just to make appointment. Contacted my local Cadillac dealership, made appointment, dropped off vehicle Tues. Dec. 28th. Contacted by dealership and was told companies adjuster had come out as well as what work would be performed. Was contacted again the next day and told what warranty company would cover and estimate of what my portion of payment would be. No problem! Jan. 5th vehicle done but was told from dealership they were still waiting for payment. No problem. Jan. 7th, still no payment from warranty company. Followed up and they claimed they never received an invoice. At this point dealership faxed twice as well as emailed. I spoke to a representative i. the morning on the 7th and was given their email address to have it forwarded. Email received after noon that day. Was advised payment processing can take up to 48 hours. No problem. Called dealership on Tuesday Jan. 11 before noon to confirm payment, still hadnt received it. Been calling twice daily since then and get a conflicting stories literally every time I call. Was told a credit card payment would be made. Nothing. Called back. Was told a check was sent out but a stop payment was requested to do the credit card payment. Called back was told the check never went out. Different story every time I call. Been getting told Id get a call or email from a supervisor since Monday. Its Friday and Im still waiting.

I cancelled my warranty with safeguard product on9/18/20 after trading my 2016 RAV4 in. They sent the 65.59 to the wrong address and refuse to replacI canceled my wheel and tire warranty on 9/18 when I traded my 2016 RAV4. I was told at that time I will be mailed out a refund of 65.59. I was told the check will be mailed to *** E. ***, pa XXXXX. I informed the representative at that time I have not resided at that address in over two years and at that time gave them the correct address of ***, pa XXXXX. The representative said she's updated the system with the new address. Approximately one week later I called the cancellation department back to get an update and was told the check was mailed out. I informed them I never received the check I then asked what address was it sent to and was told by the representative *** E. *** Ave which is the wrong address. I was told had to wait 30 days for the check to be verified that it wasn't cashed and another check will be sent out. I called but on 10/25 which was 30 days after the first check was mailed and was told another one will be sent out to the correct address. I called back on 10/27, 10/28, 11/3 and 11/5 told be told by the representative it's still being investigated. The last seven of my vin# is DXXXXXX which is what the representative always ask for to locate my account. I want my refund due to their negligence of sending the check to the wrong address they refuse to issue me another check. This is unprofessional and disrespectful

The original person on the call was extremely rude and had me shaking. I am a business owner and handle stress very well. This employee was one of the most disrespectful women I have spoken to, she raised her voice many times on the call when I told her I wanted to cancel the *** She asked why and I told her about the previous claim, she said I filed the claim wrong (which I was told specifically how to file the claim by a Safe Guard representative) I filed a tire claim and they never paid and I spent hours on the phone this company does not care about their customers. This business SHOULD BE INVESTIGATED BY THE *** My sole request is for their company to provide the proper refund from the *** coverage that was sold to me through VROOM. The company provided a cancellation document states the checks are issued within a month. It has been three months. I no longer own the vehicle. I would like compensated for the out of pocket cost I had to pay to replace a tire that SHOULD have been paid for by this insurance $321.51 , and I want a refund of the remainder premium with a cancellation of June 2022. Please help me I advertise with Complaintsboard.com and have for 5 years. I trust Complaintsboard.com and I believe you have the power to make this situation right. I have not filed any legal action on this complaint. It would cost me more money to put my legal counsel on this than I would receive back. I'm not going to be able to make an example out of this company, I only want what I paid for and did not receive and I want this coverage cancelled and the remaining premium refunded. Thank you so much -

On 1/11/2022 a claim (***) was filed for wheel and tire coverage. On my way out of town 3 rims and tires where damaged on the hwy. this company has done everything to avoid paying out. I have now been stuck out of town for an entire week with no vehicle. The first four days they were denying the claim saying I wasnt the registered owner of the vehicle because it still had temp tags. It was escalated and finally approved on the 21st and parts ordered. Come Tuesday the 18th Im traveling from three hours away to pick up my vehicle only to receive a call saying they are not wanting to pay out on part of the claim. Claiming that they did not provide sufficient price of damage and leak to some of the tires. I have a copy of the mobile inspection submitted and the damages are very clear. When asked to speak to the supervisor she said that there was no proof of leak in the pictures. When I asked what she needed to see or if a video could be submitted she stated no they dont accept videos and she needed to see bubbles which on 1/11 the 2nd image sent on the mobile inspection clearly shows. When I brought that up she said well the images requested on the 13th doesnt and refuses to let me talk to a supervisor. I have plenty of pictures and evidence of all damage. When I mentioned it was approved on the Friday the parts where ordered she stated even tho it was escalated that manager didnt have to authority to approve a high claim such as this. All around very shady. They have now cost me a weeks worth of income and unnecessary travel expenses on top of not following thru with the contract.

My vehicle was totaled last April , and until now they haven't agreed to the terms of the GAP insurance contract. On 9/21, I purchased a vehicle for my son. It was a Dodge Challenger, 2016. It was purchased at *** Chevrolet, INC. located at *** E. *** Street, ***, XXXXX. The vehicle was financed through Ally Bank, PO Box 8104, Cockeysville, MD, XXXXX. At this time the total financed amount was $25157.32. The vehicles ***# 2C3CDZAG7GHXXXXXX. I signed a GAP contract #XXXXXXXX at the time of purchase of the vehicle. The vehicle was totaled approximately around April . Until now, they haven't followed the contract and I have an outstanding balance with Ally Financial that has been turned over to the credit bureau. I started working on this within 2 days of State Farm insurance's payment on the vehicle at the rate it was worth when totaled. My contact at State Farm is Amanda Knotts who works at Benee Irwin, State Farm Insurance. 411 Sophia Lane, Shreveport, LA, XXXXX. The phone number there is (XXX)XXX-XXXX. On May 20, I informed Mrs Knotts that I spent over 4 hours on the phone being told 4 times I don't have a GAP contract even when I informed them that a signed copy was in my possession. They listed that I filed a claim on [protected], and it's still in progress. This isn't true at all because I was in communications on [protected], in which I sent them a copy of the contract to prove that I had a contract with them. I emailed this company and called numerous times since June and until now Ally Bank is calling me on an almost daily basis for the remainder of my outstanding total.

I traded in my car and the dealership never processed my paperwork to cancel my gap insurance after I informed them. An employee at the dealership claimed she submitted the paperwork on 4/13/22, but it was never done. Months later, I discovered the paperwork was never submitted. I resubmitted the paperwork on 6/6/22. My bank sent the bill of sale information. The insurance company confirmed they were processing it. On 6/24/22, I received an email about canceling my gap insurance in error. I called and was reassured it was a mistake. On 7/29/22, I was told my paperwork was incomplete and nothing was received from my bank. I'm frustrated with the runaround and want the $1200 I'm owed. I'm unhappy with the dealership. I bought a 2020 330i that had constant motor issues and spent more time in the shop in Fairfax than with me. I've sold the car and canceled the policy; I want the refund for the service I canceled. These companies don't record calls and seem to frustrate customers into giving up on refunds. As a consumer who bought and sold the car back to the dealership, the least they could do is refund my money, but my complaints and inquiries are being ignored.

Claim On Feb 22, 2022, I brought my 2014 Jeep Grand Cherokee SRT to the local Dodge dealership for inspection where they found both head gaskets had failed and were leaking coolant into the cylinders. They asked for permission to tear it down and further inspect. I called Safe Guard to verify this was covered and they said if a problem is found it'll be covered. I gave the authorization to the dealership and they tore the engine down. The dealership found that both heads were warped and both head gaskets failed. The dealer contacted Safe Guard and for 2 weeks played phone tag with them about the repairs and payment. After the 3rd week, Safe Guard denied the claim saying I caused the damage to the heads even though their inspector said the head gaskets failing was the cause. Safe Guard only picked up the cost of the head gaskets themselves and left me with the entire rest of the $6,000 bill. I've called Safe Guard literally every day and no one will talk to me, I'm told a supervisor will reach out to me but one never does. The dealership contacted Safe Guard again and they put my claim back into review but here we are going on the 5th week and still nothing. I've been told by a Safe Guard employee to stop calling and when I ask for a supervisor I'm told I have to wait for one to call me. I paid $3,000.00 for the best extended warranty Safe Guard offered which means that I'm actually paying more from the interest on it so it's way more than $3,000.00. The way this company handles claims and disrespects its customers is outrageous and shouldn't be allowed. I am planning legal action with legal representation if Safe Guard doesn't fulfill their legal contract they signed with me.

I bought GAP insurance from SafeGuard for my vehicle (2021 Hyundai Sonata) earlier this year. It was totaled by someone evading the police and hitting me. AAA settled my claim for a replacement vehicle's value, and the GAP insurance was to cover the remainder. I've provided all documents to SafeGuard, but I can't obtain the full police report due to an ongoing case. I managed to get a preliminary report from Brentwood PD and confirmation that the full report is unavailable until the case ends. Despite having all this information and contacts for the officers involved, SafeGuard won't process my claim, insisting on the full police report. They're unresponsive about paying out claims, leaving me without the promised support. I'm passed around with no one able to assist, reflecting their poor business rating. I regret trusting them and now seek the resolution they're obligated to provide.

I bought my car insurance in November at a dealership. My 12-year-old son was with me, and I considered the plan while talking to the finance representative. The dealership was selling a product associated with a well-known car retail chain, but it was managed by Safeguard Products. I asked several questions, but I didn't inquire about how these companies might find ways to deny claims. Now, I've learned that my two new rims and tires, damaged by a pothole, aren't covered. Despite the service team declaring the car undriveable and needing new wheels on the left side, a contract loophole allows Safeguard to deny the claim because the tires haven't deflated yet. This wasn't explained when I purchased the contract. To make my car drivable, I'm facing over $2000 in costs for the wheels, even though there's a severe vibration when driving at certain speeds. I feel deceived by the insurance I bought. A responsible actuary would recommend repairing the tire rather than driving on it until it leaks. The company's response was to fix it myself. They've profited from my policy and denied a legitimate claim. As a veteran business school administrator who established a master's program in business analytics, I recognize this as fraudulent behavior. Moreover, they're asking their low-paid employees to defend this predatory practice rather than assess the claim's merit. This experience has caused me emotional distress and eroded my trust in the dealership and their partner, Safeguard Products, LLC. Beware of their sales pitch; they won't honor legitimate claims.

I applied for reimbursement for an expensive auto repair two days after the work was done. I contacted the warranty company and they assured me that my claim was under warranty and could be covered. The contract indicates that we need to have prior approval for repairs. However, since I could not locate my paperwork, I was unaware of this. I contacted the company and they assured me (several reps stated this and it is documented in their notes) that they will approve the claim even though it was 2 days after the repair was performed as a one-time exception. They told me that all they needed was proof of payment. We sent them the receipt that the dealership gave us showing a zero balance. They indicated that the receipt does not have a "paid in full" stamp or "paid in full" wasn't written on the receipt. We spoke to several other reps who indicated the same thing. We told them that we paid a $400 deposit in cash and that the rest was paid by debit card and was paid in full. I sent them evidence of this. That wasn't enough. They told us that they needed something from the dealership on letterhead noting that the repair was paid in full. They wanted this signed by a service manager. This was told to us after multiple phone calls with several managers. A service manager from the dealership drafted a letter himself with his signature noting that the repair was paid in full--something that took months for us to receive because this is outside of practice for the dealership. The dealership noted that they have never experienced this from a warranty company before and that it is unprecedented that a regular receipt was not acceptable. The letter was sent. The repair was performed in March 2022. Today, September 6th, I called to follow up and was told that now they need evidence of payment through a debit or credit card only and that they would not reimburse cash payments. This is not noted in the contract-attached.

I purchased "First Class Wheel and Tire Protection Plus" for my 2017 Audi on July 14 for a total of $1,790. A few weeks ago we noticed a bubble forming on the tire and reported it to the Claims Administrator for First Class on July 7, 2022. We were issued a claim number (claim #***) that same day. I then immediately contacted the Audi dealership and was informed that they did not have the correct tire in inventory and would have to place an order for it. They informed that the tire would not be available until July 18, 2022 and scheduled service for that day. On July 18, 2022, the dealership contacted the Claims Administrator prior to proceeding with the work and was informed the claim was denied as it was past the contract expiration date of July 14, 2022. The Audi dealer informed the claims administrator that they were unable to perform the work when the incident was reported on July 7, 2022 as they did not have a tire in inventory. The claims administrator indicated the policy expired and the denial stood. The damage to the tire well within the policy term and the claim was reported prior to the contract expiration. Pursuant to the contract this is a covered event and was reported timely. I followed up with the claims administrator on July 18, 2022 (while at the dealership) and was informed they would escalate the claim. No other information was provided (eg phone number for the escalation *** or who the claim was escalated to). I requested an immediate call back but no call was received and thus I had to move forward and issue payment out of pocket. I then left a detailed message for *** in the *** (legal ***) but received no call back. Our out of pocket cost should have been limited to the $50 deductible; as a result of this denial we were left paying $361.51 for the tire. We have yet to receive any call back. We request your assistance in helping us resolve this matter to avoid litigation.

In April, from a dealership, I bought a 2018 BMW X6 at around 50,000km. I bought an extended warranty (Platinum) for up to 160,000km. The salesperson handling the paperwork assured me that the extended warranty covers everything, including mechanical issues, particularly the engine. I also had a service-maintenance warranty that I intended to renew. I've always maintained the vehicle on time at the BMW BAVARIA service department. The car was trouble-free until last week when it failed to start, turning over but then stalling immediately. After towing it to the dealership, I was informed the car needs a new engine, quoted at over $36,000. A week has passed, and the warranty company is still 'investigating the cause.' They requested permission to disassemble the engine for further inspection, which I granted, but approval for warranty-covered repairs is still pending. It's clear they're looking for reasons to avoid covering the new engine costs. I'm confident the engine issue isn't due to negligence on my part, as I've consistently followed maintenance schedules and recommendations at the BMW BAVARIA Service. I also doubt the cold weather is to blame. When purchasing, I was told these vehicles don't need block heaters and are built to start in cold conditions. Last winter, it started without issue in temperatures down to -40°C. Last week, the temperature was -27°C when it wouldn't start, parked at my workplace. I usually park in an insulated or underground garage, exposing the car to the elements only while at work. Moreover, I urgently need a loaner car to commute, but BMW BAVARIA has been unable to provide one.

I purchased the tire and wheel warranty protection for my vehicle from Safe Guard. I needed to take advantage of my warranty recently. It qualified and was eligible for the warranty confirmed by the company's customer service claims department. It was approved. I was given a claim number. I was told I just need to take my vehicle to a shop and get the work done. I went to a shop and got the tire replaced. Before leaving, the customer service rep at safe *** spoke with the service tech at the shop to confirm all the information and pay for the claim over the phone. I was assured that safe guard would be capable, and I would not have to pay out of pocket and get reimbursed. This wasn't the case. I had to pay out of pocket. Safe guard is lying about business practices and making false claims to customers during the claims process with no consequences, something completely unethical that *** on illegality if we get technical. I pay for the tire replacement and am told all I need to do is email the paid invoice to the claims payment team in order to process my reimbursement. They said my check would be sent in the mail a few business days following the email being sent. I call back then to check the status of the claim. The customer service rep said they never received my invoice and said to email it to their supervisor for review so they could process it for me. I did so and was then told my check would be in the mail a few days later. I call back then to check the status again to find out my claim is no longer accepted and is back in review even after having it approved and going through the whole process already and doing everything exactly as they told me. They said they need to confirm info with the shop even though they already spoke to the shop and did that. Obviously, Safe Guard hoodwinks people through their claims process. They lie and convolute the process to avoid ever making payment. Modern day scam that takes advantage of the little guy.