Ace Auto Protect Reviews 172

submitted my 3rd claim. All denied. THIS tme the claim included a speed sensor for the transmission.

Update: It has now been a year and they refuse to answer my calls or emails . This company stinks and nobody should do business with the,. They have stolen my money and I will be reporting them to the police for theft.

Signing up was easy and they were responsive. Canceling after selling my vehicle was an entirely different experience. I sent the paperwork in April of 2024 and received no response. I again sent the paperwork via FedEx in late October. They approved my cancelation but as of May 21, 2025 I have yet to receive the prorated refund and they will not take my calls. I have already contacted an attorney and if nothing happens quickly I will file a lawsuit.

I regret ever doing business with this company. I paid $3,000 for what was supposed to be an extended warranty that would protect me from unexpected car repairs. Instead, I ended up with a worthless contract and a lot of wasted time.

When my vehicle broke down, I followed all the required steps: contacted them in advance, got the green light, and used a licensed mechanic. But when it came time to pay, they suddenly claimed they couldn’t “verify my coverage.” Just like that, they walked away from any responsibility.

Dealing with their customer service was a nightmare. I was transferred from one person to another, stuck on hold for hours, and given conflicting information at every turn. Eventually, they tried to shift the blame onto me, accusing me of approving repairs without authorization

In the end, I was stuck paying for the $2,400 repair out of pocket, on top of the $3,000 I already spent for the warranty. No reimbursement. No accountability. Just a cold shoulder.

Save yourself the stress and the money. This company is all talk when it comes to coverage and support. You're better off skipping the warranty and setting that money aside for future repairs.

I don’t usually leave reviews, but I feel obligated to warn others about this company. I paid $3,000 for an extended warranty thinking it would give me peace of mind. Instead, I got months of runaround, empty promises, and zero help when I actually needed it.

When my car broke down, I followed their procedure exactly, called ahead, got approval, went to a licensed mechanic. Then suddenly they “couldn’t verify coverage” and told me I was responsible for the full repair. I called multiple times, was placed on hold forever, transferred endlessly, and fed excuse after excuse. Each rep gave a different story. At one point, they even tried blaming me for “unauthorized repairs,” even though I did everything by the book.

In the end? I was out over $3,000 for the warranty and $2,400 in repair costs that they refused to cover. No refund, no accountability, just corporate shrugging.

Avoid this company at all costs. It’s a glorified scam dressed up in legalese and false promises. You're better off putting that money in a savings account for repairs. Trust me — you’ll save yourself a massive headache and a ton of money.

I decided to cancel my policy with Ace Auto Protect after two negative experiences. It became clear that things would likely continue to decline, so I chose to cut my losses and move on.

I contacted a representative at 1-800-293-9223, and within 15 minutes of requesting cancellation, I received the cancellation affidavit and instructions via email. I completed the documents and returned them via certified mail to ensure tracking.

About a month later, I called to confirm whether the documents had been received. I was told they had not yet been logged into the system and that an email would be sent internally to check the mail. I followed up three weeks later and received the same response.

Approximately 2.5 months after sending the documents—around mid-March 2025—I was finally told that the cancellation documents had been marked as received. At no point during this process did the company proactively communicate with me.

Roughly 30 days after that, I called again for a status update and was told that my refund check would be mailed on Friday, April 28. As of May 14, I still had not received the check. I called once more and was informed it would now be mailed on May 30.

I will continue to monitor the situation and update this post with any developments.

UPDATE: As of July 9, 2025, I have not received the refund I am entitled to under my contract with Ace Auto Protect and their signed cancellation affidavit.

Buyers, beware: Based on my experience and the overwhelming number of negative reviews, this company appears to operate like a Ponzi scheme. While a small number of customers report receiving payouts—often reflected in 5-star reviews—the vast majority have had bad experiences, including denied claims, delayed refunds, and poor customer service. This pattern suggests that funds are not available to pay repair shops or honor most claims, which may explain the high denial rate.

I strongly urge potential customers to research thoroughly before doing business with Ace Auto Protect.
If you have been taken by Ace Auto Protect making their life a living hell by contact the following agencies:
Better Business Bureau (BBB):

State Attorney General’s Office: Report them for deceptive practices.

Federal Trade Commission (FTC):

Consumer Financial Protection Bureau (CFPB): If you paid through financing or a credit product.

This is a scam company. Do not use them. They do not pay claims and they do not refund premium due on cancelled policies. They will blow you off and never return phone calls.

We purchased a 5 yr warranty from them and had to cancel 6 months later as we purchased a new car. Ace Auto has a cancelation policy that will pay the refund based on time with contract. We received our cancelation verification email and spoke with someone in October of 2024 that said the refund check would be sent out within 30 - 60 business days. 7 months later and several calls and emails we have received nothing. Called again today and was told it would be sent to their supervisor who would respond within 30 days. A total and complete joke of a company.

Updated Review – Submitted Under Duress

I am writing this updated review under pressure. I was contacted by Marcus Miller, the Accounts Supervisor of the Investigations Team at Ace Auto Protect, who insisted that I remove my original negative review and replace it with a 5-star review in exchange for immediate processing of my refund check—six months after my initial cancellation.

While on the phone with him, I was told that unless I submitted the 5-star review while he was on the line, my check would not be mailed that day. I complied, wrote the review under duress, and once he confirmed he saw it posted, he assured me the check had been sent and provided a tracking number.

Original Review – My Honest Experience

Ace Auto Protect has effectively stolen my money. I canceled my motorcycle extended warranty in September 2024, worth over $1,700, and have not received a full refund despite countless follow-ups.

I made numerous calls to Michael Rose (the original salesperson) and his supervisor, Thomas Williams. The company repeatedly passed me from person to person, each one promising a resolution that never came. I was told—twice—that my refund was under “investigation,” yet no meaningful action followed. After six months of this ongoing runaround, I had no choice but to:

Contact an attorney

File a police report

Begin pursuing additional legal action

The company eventually issued a partial refund, but they kept over $300 without justification. They denied my claim, failed to provide the service promised, and delayed the refund for half a year. This is fraudulent behavior.

The "Forced" 5-Star Review I Was Pressured to Post

"Thank you Marcus Miller, Accounts Supervisor of the Investigations Team at Ace Auto Protect, for resolving my claim with immediate action."

This review was written solely to meet their demand and get part of my money back. This is coercion and extortion.

Final Thoughts

I stand by my original review. Ace Auto Protect is not a legitimate or trustworthy company. Their business practices are unethical, deceptive, and possibly criminal. They should be investigated and shut down. A class action lawsuit is absolutely warranted.

BE WARNED: DO NOT DO BUSINESS WITH ACE AUTO PROTECT.
RUN!!! RUN!!! RUN!!!

Horrible. They took advantage of my elderly father. He paid for coverage and makes one claim they denied and couldn’t explain anything that made sense.
They cancelled his contract and promised he would receive a refund for the remainder of his money and he sent the requested paperwork three times incurring notary fees each time and they claimed they were not receiving the paperwork. He finally sent it again certified and it came back REFUSED.
These people scam the elderly, happily take their money and then cut contact and don’t follow through on their empty promises. Absolutely criminal. We have opened cases with the BBB and the AG. I will be the loudest voice against this company. I have all the correspondence and conversations. I have his VSP number and I have the name of the person he was dealing with. They have now just stopped responding. This company is horrible and should be charged with elder abuse and theft.

They don’t approve anything. They take days to get back. They ask for information from the dealer that has nothing to do with the problem of the car. If you get ace, you will lose your money. It’s the worse thing I ever spent money on
When you out in claims they ask the mechanic for things about your csr if you ever did business with that mechanic. They ask for so much stuff and it takes them so lint before they will even accept a claim. And after you put everything in it takes another 24 hours before they will determine whether they will cover your car. Most of the time they don’t approve and it’s cheaper just to fix your car than go through a service that you pay thousands of dollars for. I’m going to the attorney general. Do not buy this service

We previously gave ACE 5 stars, because the salesman Marcus Miller was so engaging. We are lowering to 1 star because, once the sale was done, there was no service. After our first car was totaled, before the coverage start date of the policy, we of course cancelled that policy and bought another policy from him for our new car. In order to get a refund on the first car, ACE required a notarized affidavit. We submitted all the paperwork but have still gotten no response from anyone, written nor verbal, despite several attempts, after spending $4600 on these two policies. We see from other reviews that clients have had similar problems, and that mechanics do not get paid either. So, we are canceling our new policy as well.

Marcus was very supportive and helpful. Thank you Marcus!

I haven't used this yet, so I don't know how I feel about it.. Only paid the initial $100. Waiting to make 1st payment

He remembered pretty much everything we discussed and he was really friendly!! Thank you again!!

Signing up for this service was fast, easy and very reasonable.

Great service and detailed explanations

I bought a comprehensive policy at a reasonable price. The salespeople were not overaggressive, much was my experience when gathering information from another company.

Very good customer service best prices can’t beat them very professional five stars for sure 100% recommended

Complete rip off. These guys are not honest. They want your money up front and then deny any claim. Even when they agree to cover a fraction of the repair cost as a $500 "good will", the check never came. Do not waste your time.

ZERO STARS THEY ARE A FRAUDULENT COMPANY AND A SCAM. WHEN I DID MY FIRST CLAIM THEY SUSPENDED MY ACCOUNT TOLD ME TO PAY OUTTA POCKET THEN WHEN MY CAR FIXED CALL THEM BACK WTH I REPORTED THEM FOR FRAUD AND GOING AFTER THEM NOW TO GET MY MONEY BACK PLUS!!! THEY WANNA TAKE YOUR MONEY THEN U HAVE RO PAY OUTTA YOUR OWN POCKET FOR A CLAIM. THIS COMPANY IS BS AND ITS A FULL SCAM AND NOT EVEN A LEGIT COMPANY. DONT GO THRU THEM. ANY POS REVIEWS ARE FROM THEM THEY HAVE NO POS REVIEWS THIS WHOLE LLC IS A SCAM.