I recently had signed up for an extended warranty that I was from the start very skeptical about, but a few months later everything I thought about this company became true.

They offered me a month-to-month contract of $90 a month. My 2007 Honda Civic was COMPLETELY fine as I signed up for their plan. 60 days later, my engine starts making loud pulley noises and I realize that my AC compressor clutch needed to be replaced. And I was thankful that I had signed up for this warranty 2 months ago. However, when I brought it into the repair shop, my claim was denied. Here's what happened:

Day 1, I bring my car in for repair. The repair facility calls me saying that Service Protection Direct will be sending a mechanic to look at my car.

Day2-5, the mechanic doesn't show

Day 6, he shows up, finally

Day 7, they deny the claim.
I ask the Honda repair facility why it was denied, they said,

"Your warranty company said that you havent passed the waiting peroid of 45 days and you havent driven past 1000 miles from the date of the sign up"

I look back at my contract.
Date of sign up: 3/3/2011
Mileage recorded: 48085

I look at my car and today's date:
Current date: 5/5/2011
Mileage: 49300 (estimated)

so THAT WAS a LIE.

I call the warranty company: they say that my condition was pre-exisiting and that they could not cover it.

Here's where I get mad. They tell the dealership that I was still within my deferral peroid. They tell me that its a pre-exisiting condition. Two different stories.

me: "How do you guys know that its pre-exisiting?"
them: "We had a mechanic to check it out, he concluded that your condition occurred within your deferral peroid"
me: "but my car was running fine, it only started up late April"
them "sorry thats what the mechanic told us"

And I ask them to send a copy of the mechanics report. They said they can't give that out.

I ask them if I could speak with their Claims Officier (named Mark). This guy was rude, didn't give a single explanation as to why they concluded it to be pre-exisiting. It's becoming a the mechanic's word against mine type of deal.

I reason it out with him, I said
"I didn't know that this was a pre-exisiting condition. My engine hadn't made this kind of noise until recently. It might have been a pre-exisitng condition but i did not know about it. And if my engine breaks down, and you deny my claim saying that it was a preexisiting condition, you may be right, but my car had run over 2000+ miles with a slowly degrading engine. Would you guys deny the claim then saying that my engine wasn't up to par during the deferral peroid? HOW DO YOU GUYS ASSESS A PRE-EXISITING CONDITION??

His answer
Sorry, I can't help you

So the next thing I say is
Transfer me to sales, im getting off of this plan.

And so he did.

Zero reliability, Zero integrity, Customer service was terrible. Yes, they probably do fix cars, its not a scam, but these rats try in every way to turn the favor to themselves. It's sleazy and unethical.

No I do not approve of this company.
Save your monthly premiums, and when something does happen, you can fix your car with the money you saved. Rather than have these jackasses handle your case with a relatively high chance of your claim being denied.

Regardless of what you think, an insurance company's target is to make profit. GOOD companies place the trust of the public before profits, and their reputations matter more. This one, unfortunately, will be willing to take your money at the expense of any trust and their integrity.

I won't be surprised to see that this company will struggle down the years. Please be wary of Protection Service Direct, please.

We recognize that there are a lot of negative comments and customer complaints toward Protection Direct, and some of it is absolutely warranted. We are currently working with the BBB to improve our rating (read more about that here: http://bit.ly/joR2b3), and we are actively trying to improve our image by resolving existing complaints. It’s our hope to change our industry by leading the way with solid business practices, responsive customer service and transparent communication.

Post here about your recent experiences (the good, the bad and the ugly) or send them to us through [email protected] and you will be heard. If you’re a current customer and want us to look into a specific incident, be sure to email us your full name and customer ID number so that we can quickly identify your case and try to get the issue resolved.

Customer satisfaction is very important to us and we’re here to help!

Someone made a comment about how they are probably just a collection agency trying to gather info. Thought you all might find this interesting.
http://stlouis.craigslist.org/csr/2032130579.html

That link will probably only work for a few days, but if you dont read the real ad its an employment ad for collections agents in Downtown St. Louis. The email address is listed as [email protected].

HI ALL THE INFOR MATION I FILLED ON TOP OF PAGE I BELIEVE ITS ABOUT THE COMP. I AM COMPLAINING. I REC'D A LETTER OF AN EXTENTED WARR. FOR MY VEHICLE WHICH WAS OUT OF WARRANTY. I CALLED THINKING IT WAS A INSURANCE FROM WHERE I PURCHASED THE CAR. WELL AFTER I TOOK THE INSURANCE AND THEY HAD ALL MY INFORMATION TO MY SURPRISE, I GAVE THEM THE PAYMENT OF $310.00 IN A CREDIT CARD . THEN MY WIFE CHECKED THE COMPANY THRU THE WEB AND TO MY SURPRISE THIS COMP. HAS MAY COMPLAINTS. I AM SO SORRY EVER DEALING WITH THEM. I CALLED TO CANCEL THE POLICY AND WAS TOLD THAT THEY HAVE A VERY GOOD RATING WITH BBB, THEY GOT A A WITH THEM. ANYWAY I WAS TOLD THAT MY POLICY WILL BE CANCEL AS OF TODAY BUT THAT I WONT GET ANY REFUNDS BACK. WHAT A SCAM THESE PEOPLE ARE, I CANT BELIEVE THIS, ITS ONLY BEEN 3 WKS AND I HAVENT EVEN USED THE POLICY S SERVICE AND I WONT BE GETTING NO MONEY BACK. WHAT CAN I DO TO GET ANY REFUND BACK? I GOT SCAM AND WAS TAKEN FOR A SUCKER. WHAT A SHAME THIS IS. I'M SURE THERES LOTS OF ME OUT THERE. MY NAME IS AGRIPINO FIGUEROA AND I LIVE IN PUERTO RICO

I paid over $2000 for this warrenty and have tried to use it numerous times but nothing that has gone wrong with my car has been covered. I have purchased other warrenties from dealers and have been totally pleased with what they covered. I just spent another $1500 today because nothing was covered. I will never buy a warrenty from tele-marketers (SPD) again. I don't see how every repair that I have needed, not one item was a covered item. I had the dealer look over it today and he said it is a big rip-off and to contact the BBB. I am going to do so.