Cardinal Assurance Corp is truly where the bottom feeding scum of society go to find employment. DO NOT ENTERTAIN ANY SALES CALLS OR PURCHASE ANYTHING FROM THIS COMPANY! They will take your money and promise you the world and what they deliver certainly falls short.
My story is as follows: I purchased a extended auto warranty from this company and was told about the wonderful coverage and peace of mind it would bring me. I made a snap decision to buy and that is what these people are banking on. I read over the documents I receieved from them and found out that many of the items I was told would be covered on my car, were not. I then searched the internet and found many reports of Cardinal Assurance and their program administrators being a scam. I am now in the process attempting to cancel the contract, but they are very unclear on how to do so. You must email "[email protected]", but nowhere in the contract does it say this. They took my intial down payment which was supposed to be a one time payment and then charged me again. I have since been in contact with the FBI's wire fraud division and they are looking into the criminalistics of this situation. The agent I spoke with gave me the feeling that he had heard of Cardinal Assurance Corp before.

VERY IMPORTANT: DO NOT DEAL WITH ANY OF THE FOLLOWING COMPANIES
Cardinal Assurance Corp, Vemeco, Warrantech automotive of Florida, Wesco Insurance Company, or Amtrust Financial. They are all thieves and will take your money and run.

1. Avoid companies that have little history in the auto business. If the company goes out of business, you will have to pay for your own car repairs.

"Cardinal Assurance" has been operating for less than 6 months although the site claims management has over 45 years experience in the field, they must be referring to some 3rd-party they are trying to piggyback, b/c this particular business that you reach when you call the # just started up and is a tiny start-up company. Dont be fooled.

2. Don't make a down payment before you see the full written warranty and its terms. Don't give out your personal or banking information over the phone.

I took a job at Cardinal Assurance for telesales and was told it was credible. However soon after starting training, I realized this is just another typical sales job where they expect you to over-sell the product, make statements that sway the auto-owner to believe the waranty covers entire systems, when in reality it is only SOME parts, not the whole "electrical" system for instance.

They use high-pressure sales tactics to convince the auto-owner that he/she must purchase the waranty SAME DAY, "because if they were to re-submit for approval later, it would look like the driver had gotten into an accident etc and wouldnt be offered the same low price" . That's just a smokescreen, not true at all, and a lie to create false urgency to close a deal. They pretend they are running a verification, may even ask for your VIN but they will sell any and everyone, there is no verification. I am tired of these fly-by-night companies and quit soon after realizing they have no morals.