Guardian Warranty

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Any way to avoid paying a claim
Posted by on
WILKES BARRE, PENNSYLVANIA -- I bought a Subaru on Monday, May 2nd, 2011 from Clear Choice Auto in Mechanicsburg, and the GWC warranty came with the car. 3 months or 3000 miles. When I bought the Subaru I noticed it had an alarm, but no remote, so I called the local Subaru dealership and made an appointment to get one the next Monday. Around Wednesday I noticed my car was starting to have hesitation when shifting it into drive, and as the rest of the week progressed, the car also started shifting really hard from time to time. But it's a Subaru and it's only had 88000 miles on it, and they go forever, right?

So I take it to the dealership and ask them while they're at it, would they check the transmission fluid because it's shifting wonky and I explained to them what it was doing. They set up my remote and then came out and gave me a whole laundry list of things that were wrong with the transmission. I asked them if they accepted my warranty, and they said they would call. I had to speak to the GWC rep, who treated me like I was trying to pull some sort of scam. Why didn't I go back to the original dealership? Why was I at a real dealership? Did any lights come on? What exactly did I mean by shifting hard? Did I understand that I would have to pay the difference between this place's hourly rate and the allowance that GWC has for hourly rate? Actually, I didn't know much because the original dealership didn't provide me with any more information than my policy number. But I did know that this GWC representative was treating me like I did something wrong. So I explained to him that I didn't expect there to be anything serious wrong with the transmission, I thought they would check it and say it was low on fluid, or was just being wonky because the car sat for some time before I bought it.

So the guy on the phone decides he needs a fax, which my dealership provides. After the first hour, my dealer calls and leaves a message asking them what's going on (they don't answer phones very often, I've tried calling them myself). He reminds these people that I am sitting here and have been for some hours. The second hour goes by and they finally call back and say their adjusters need to come and see the car....tomorrow. My dealer says that he would like approval to give me a rental car so that I can go home. They admit that my policy does cover rental cars, but they refuse to pay until their adjuster comes. So I wait another hour for the shuttle to take me home. The next day, the adjuster doesn't arrive until after 3 and fools around until about 4:30. I get a call from the dealership around 4:45. The adjuster has agreed that everything they have shown him is in bad shape. He made a call to his office but says he can't make a determination until he talks to his superiors (then wtf is he doing being an adjuster?). SO, the company gets yet out of paying for a rental car for me for a 2nd day.

I am hopeful that I will get some sort of answer from these jackwagons tomorrow. I need to have a vehicle, and I am absolutely livid that they are dragging their feet like this. According to their website they work with "reputable dealers". Let me tell you, the place I bought my car from was not a "reputable dealer". The day after I bought it, I took it to get new tires because I wanted to have good tires on it, I bought a Subaru so I would be able to drive it in all sorts of weather. I knew when I bought it that the tires weren't all that great, and I don't expect GWC to cover the tires. What I also didn't expect was when the service people at the tire place said that the dealership I bought it from should not have inspected it in the first place because one of the tires didn't match the other 3. Not legal here.

But that's not really my point. My point is, if they pay for repairs at "any reputable dealership", then what is the holdup? Their adjuster saw that the parts were bad. Either the place I took it to is reputable, or it is not. There should be no issue here. I am not over the mileage limit, nor the time limit, and the transmission is supposed to be covered under my contract, by their own admission. So when he came, the work should have been approved, or I should have been told where to take the car. And I should NOT be sitting here without a vehicle when he plainly admits that the parts are indeed bad. But they did their best to make sure they haven't had to pay for a rental.

My next call will be to the attorney general and I am filing a report with the BBB and any other organization I can get to listen to me. Being a single female, I am sure there are plenty of women's consumer protection places that would love to hear my story. The automotive industry has ripped women off left and right for years, and GWC is no different
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Alain on 05/12/2011:
Put in a call to your state's attorney generals office, as well, to see what advice they can give you about dealing with this problem.
Jaime on 01/23/2013:
Thank you!
Linda on 08/03/2013:
You have to insist on getting a copy of your warranty and you must read the labor charges and limits of liability that are normally included in the contract. This is insurance-- would you buy automobile insurance without reading your policy?
Pissed on 09/03/2013:
In experiencing the same problem with them. I purchased the warranty at the car lot, was told a complete package with cards and info would be mailed. 6 months later no cards no contract, I call and oh we are sorry we will check into it. In the mean time car breaks down call tow truck and it starts. Only pay to tow 10 miles you pay the rest!
They tow to a small no name mechanic shop who is several weeks behind and has never worked on my make of car! I pay to have car towed to dealer, transmission needs repair, they will send adjuster tomorrow not sure if that's covered! Dealer says this is internal transmission and is covered they just don't want to pay... Rental car, I was told cannot approve that until they agree on repairs then I pay for it, they will reimburse up to 35.00 a day BUT only for labor time, so if it is an 8 hr repair they cover the rental one day regardless if it takes a couple days to troubleshoot get parts and then repair!! Not happy this warranty cost me 3500.00
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Cannot cancel my warranty
Posted by on
BALTIMORE, MARYLAND -- Two weeks back I bought a used car from a car dealer in Baltimore, MD. The dealer conned me into signing up for a 1yr extended warranty for $850. as is clear from many other posts on this forum, this company is rip-off.

I checked this company on the net only after I signed :(. I didn't have high hoped but still tried to get it cancelled just to discover that the terms&condition say that it can be cancelled only in case of "total loss, theft or recalled by lien holder." none of these apply. so I am stuck with it.

I had to get some repairs (timing belt, spark plug etc) done immediately after buying the car and of course both the dealer and warranty company backed up.

All this happened within 2 weeks of buying the car. Not a pleasant state of affairs at all ...

So beware and do not sign up Guardian.
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Anonymous on 07/16/2006:
If you financed the car contact your lienholder and request that they cancel the warranty. If that does not work, contact the Maryland insurance commissioner. Either party should be able to help. Good Luck
ssomani on 07/16/2006:
dealerdirect - thnx for the ray of hope! I did get the car with a loan from a credit union. will try to contact the credit union and MD insurance commissioner.
rhondam718732 on 07/18/2006:
"Conned" into buying it? I feel for you but other than elderly and young kids - who can reasonably say they were "conned" into making a $850 warranty purchase?? Just say "No thanks"
vicki3836 on 07/19/2006:
I had no problem canceling my last Guardian Warranty. The contrat states that you can canel withen 60 days for a full refund if you have not used the warranty coverage. If it has been more than 60 days they still refund the policy, it is just prorated. They do not send the check to you they send it to the lein holder, so your principal balance will go down, but you do not actually get any money back in your pocket.
ssomani on 07/19/2006:
vicki3836 >> that is interesting. Which state did you get the warranty in ? I went through the terms and conditions but there is no 60 day clause in it.
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The Customer is Never Right!!!
Posted by on
DETROIT, MICHIGAN -- I had my car towed to a auto repair shop referred to by this warranty company on Tuesday June 20, 2006. No one looked at my car to see what was wrong with it, even after numerous calls, until Friday June 23, 2006. Even though they had looked at the car, NO CLAIM HAD BEEN FILED. This now makes one week without a vehicle to drive. I called the warranty company to seek advice on how to hurry the "the shop they referred me to" along. They were of no assistance. In fact everyone in the company was down right rude and unhelpful. Finally on the following Tuesday the claim finally came through. The warranty company never called me to tell me to go to get a rental car, seeing that I had already been out of a car for 2 weeks. I had to call them to see if I was covered. This job being done was scheduled for 16 hours. This amounts to 2 days of work in my book. My car has been there in excess of 4 business days and it is still not ready. This warranty company does not want to extend my rental stating that they have no control over the shops busy schedule. This sounds like a circle of people that rip you off and laugh in your face. If you can change your extended warranty company NOW!!! They will not be there to help you.
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Doc J on 07/08/2006:
Manufacturer's warranties are only "fair". Extended warranties not generated by the manufacturers are a very bad idea. You pays you money, you takes you chances. Shops are not contracted due to quality work. Shops some companies refer to often pay a percentage of the repair fees back to the warranty issuer as a kickback (whoever gives the bigger kickback gets the most referals). Look for warranties where you pick the shop, the quality of the parts used in the repair, and where the repair is guaranteed. Otherwise, when you get your car back from a major repair, you may wish to sell it. Good luck!
CrazyRedHead on 07/08/2006:
God forbid they have other vehicles there ahead of you. Four to five days is not unusual.
Anonymous on 07/09/2006:
Spot on Doc, Good post
Ponie on 07/09/2006:
Right, Doc. You get what you pay for. I shopped several companies before purchasing my extended warranty. Granted, it wasn't the lowest in price, but wasn't the highest either. They paid for a tire change when I was stranded on the X-way. I saved money in the long run by being able to cancel my auto club membership. My niece purchased from the same company on my recommendation and they paid for a jump-start. She also canceled her auto club membership. Of course all this was spelled out in the benefits list prior to purchase.
rhondam718732 on 07/10/2006:
Frustrating I imagine - but as far as rental service - ALWAYS ALWAYS ALWAYS know ahead of time if you have it and what limits. I carry rental service on my insurance policies for both my cars and on my extended warranty. It usually costs a few $ a month.
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Guardian Warranty Corp - BEWARE!!!
Posted by on
We purchased a warranty from Guardian for a used vehicle. After 5,000 miles the car started to have problems. We followed the contract rules and obtained prior approval and even took the car to the repair shop they recommended. The mechanic told us that the motor needed replaced. The car was burning a quart of oil per 100 miles and had a knock in the motor. The engine and all lubricated parts was a covered component in our warranty. When guardians inspector came to review the car his report stated that "nothing was wrong with it." We ended up paying almost $200 for the diagnosis fee. Now a few months later the car is definelty in need of a new motor. Not only were they jerks at the company every time we called but were also a#! h&^%! to the secretary at the repair shop they recommended! A rep. there actually said he was "tired of dealing with our SH*T! I wouldn't buy a warranty from them - definitely go through a company backed by a large insurance company (ie. Nationwide, etc.)
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Anonymous on 12/13/2005:
Anonymous on 12/13/2005:
It's been my experience, that most extended warranties are worth LESS than the paper they are printed on.
Slimjim on 12/13/2005:
Get a second estamate. Try to find a friend in the business or a friend of a friend. $200 sounds like a lot to conclude a motor's bad and how much to replace. Assuning the result is the same, present it back to the warranty company with request for the second estamte costs covered. If they still won't pay, it's time to file suit, of course now with attorneys fees and court costs. In fact, if it goes that way, your motor probably will let go well before the case is heard, so throw in car rental and maybe some other misc. I'd certainly let the warranty company know this is the path you will take if they don't honor their policy.
Anonymous on 12/14/2005:
...............And then, after all that, rub a bald head for luck, smoke a peace pipe and buy a lottery ticket, the outcome will probably be the same.
hibiscus07 on 08/29/2007:
I have been VERY pleased with the Guardian warranty. I bought the gold coverage about 2 years ago--and I was hesitant to do so at the time. I thought it would be a rip off. It the last 2 years, Guardian has covered almost every non-maintenance item for my 1998 Volvo V70, including calipers, rotors, A/C, sensors, etc. I have been shocked by the quality of the service. Every time my mechanics call, there is no issue--they just go ahead and cover it. I'm not sure how the comprehensive and standard plans are, though. If you have the option, go for the gold plan. It cost me $1,900 for 3 yrs/38,500 miles and I have easily gotten twice that much out of it.
hibiscus07 on 08/29/2007:
Oops...I have the comprehensive plan, not the gold plan.
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Posted by on
I paid $1500 + interest for extended warranty service on used vehicle purchased. Intake gasket went bad causing cylinder wall to crack in only 33,000 miles of my ownership. Under warranty but refusal to pay. Agrees to only pay for intake gasket & nothing else. Although engine is covered per contract with no exclusions on policy. These people are a rip off. Now I will see them in court. Anyone out there whom has had similar case paid by these people please notify me.
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Anonymous on 07/18/2005:
Why was the engine block excluded??? Was it excluded because of overheating??? You may want to contact your states attorney general on this one.
chrisu on 09/30/2005:
Pogo11 plaese contact me. I have recently had a similar experience with this company.
tweet on 10/08/2005:
Pogo11 Please contact me and let me know if issue was resolved, we are currently dealing with similar situation
Bennsuzy on 11/14/2007:
pogo11 Have you had any luck with your claim. I have recently had a problem with them. They won't pay for my 4 wheel drive truck repair. I have also always had it serviced and taken very good care of my truck. I only drive it to work, and 7 weeks ago my rear end messed up. It was repaired but when the repairman test drove it, he said the Transmission was messed up. Now Guardian says that I have "abused" my truck (that I love by the way). My truck is a four wheel drive which I have never taken "mudding" or four wheeling. I have only driven it to and from work. But they said I have abused it so they can get out of paying for transmission. Please contact me if you are still on here. Thx
wagz on 12/03/2008:
I've had several other car warranty support contracts with other providers in the past, and I have never experienced anything as bad as these guys.
Stay away from Genuine Warranty Solutions.
I have a Mercedes Benz that needs to have its gas tank replaced due to a baffle becoming lose, and these guys refuse to honor this claim. I have a so called "Factory" warranty with them, and they are refusing to cover the gas tank stating that it's neither mechanical or electrical. Yeah, it's only a gas tank and a part of the cars emission and gas system, not to mention the a huge safety hazard.
If you are considering buying extended warranty onyour vehicle, do yourself a favor and stay away from these guys. I just did some research online and it appears that this is a scam company with a bad track record dating back to Florida. just google "Genuine warranty solutions complaints" and you will see.

I'm in the process of filing legal action myself, but if I can help someone avoid this headache in the future, by all means.
Jaime on 01/23/2013:
So upset, going through the same problems!!!!! What attorney? That is my next step any advice?
Khay on 11/15/2013:
I am having the same issue with them, but for furniture. I have two rips in my leather sectional and they are not willing to fix them claiming WE put them there on purpose. I am beyond pissed and are going forward with an attorney as well. My email is
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