I had an engine replacement covered through Empire Auto Protect, and the entire process was handled far better than I expected. From start to finish, communication was clear, professional, and timely. They walked me through the claim, coordinated with the repair shop, and followed through on what was promised. An engine replacement is a major repair, and Empire Auto Protect truly stepped up and honored the coverage without unnecessary delays or excuses. The repair was approved, completed properly, and I was kept informed throughout the process. This experience gave me real peace of mind and proved the value of having a warranty like this. I highly recommend Empire Auto Protect to anyone looking for reliable coverage and support when it matters most read more

Run from this place !!! I had a really disappointing experience with Empire Auto Protect. I paid for coverage for about a year, expecting to use it once my manufacturer warranty expired. When I called to ask about activating/using my coverage at that point, the representative instead told me my policy would be canceled and that I wouldn't be refunded for the time I had already paid. There was no clear explanation upfront that the coverage wouldn't work the way I intended, and no effort to resolve the situation fairly. I feel like I paid for something I never actually got to use. If you're considering this company, make sure you fully understand when your coverage starts, how it works with existing warranties, and what their cancellation/refund policies are because my experience was not what I expected. read more

Do yourself a favor and stay clear from this company! What a rip-off! The salesman clearly told me that the Extended Warranty Policy would cover 50% of the cost, and that if the vehicle required engine or transmission repair, that it would cover 100% of the cost, which is untrue!!! The most it will pay out is $500.00 per occurence with a maximum of $2,000.00 per calendar year. I feel like a complete idiot for not doing my due of diligence, which is why I am writing this review. I was paying $99.96 per month for this policy and I'm just so mad that I fell for this scam!!! STAY AWAY!!!!!!!!!!!!!!!!!!!!! read more

This company is a scam!!! We purchased a plan for our BMW X3 and they told us the plan covers front and back brakes once a year. That was a lie. 3 months into the plan we needed our brakes done and we were told " we don't offer that anymore" What a joke. We were told on the phone that the plan covered 100% with no deductible... another lie. It's 70% and max payout is $3,500 per year. We spoke with Sean and the manager Eric who was very rude and yelled at up with cuss words when we said we canceled and our bank was reversing the charges. Shows right there how unprofessional they are. It was very low class. Stay away from this company. If you bought a plan call your bank or credit card. Report that's it's a scam. They'll help you out read more

This company is run by crooks!! Less than two years ago I bought a top-tier aftermarket warranty for my car from Empire Auto Protect. At 59,800 miles my car had multiple engine failures, which are all covered under said service warranty. These guys have given me the serious runaround while my car sits in the shop for six weeks. The Voicemail hell, the promise to call back, the lack of reply in email, claiming I don't have a warranty, then saying oh they found it, this has been going on for six weeks. Now they refuse to honor their agreement and abide by the contract. I'm filing a lawsuit, I've contacted BBB, and will continue to post exposing who they really are. Don't be fooled like I was! read more

I would not recommend Empire Auto Protect based on my experience. I purchased two vehicle service contracts in Sept2025 and paid $6,400 upfront in good faith Oct2025, including paying both policies off early. After only a few months of use (March 2026), I requested cancellation and a prorated refund as outlined in the agreement. Instead, I was quoted approximately $399 with no clear explanation or written breakdown. When I requested documentation showing how my payments were applied and how the refund was calculated, I received vague responses and was directed to a third-party payment processor rather than being provided answers. As a matter of fact the response provided was, "there is no refund as the agreements were FINANCED". But the $6400 was paid in advance. What was being financed? At no point was I given a clear payment ledger or a proper prorated calculation. The lack of transparency and consistent communication has been extremely frustrating. Based on my experience, I would strongly caution others against paying large amounts upfront. If you cancel early, you will not receive a refund that reflects the unused portion of your agreement. read more

$100 deductable turned into a $650 bill I had to pay. They look for any reason to deny or diminish the value of the claim

Omg so I made the mistake by taking the first offer that was given to me I should of looked around more because I ended up finding a better deal and so since they told me I can cancel anytime I figured I'll call explain why and just cancel and wow I have never dealed with such unprofessional people in my life, one they kept asking who?? And how and give me the information to the place you're going through so when I finally did i think it was a lady laughed at me and said you're not smart we are and when I told her ok I just want to cancel please and she said no after 90 days you can and I just go ok I'll put a hold threw my bank so the money doesnt come out, she laughed and said please do so we can take your car and make more money off you, I was like how I make my monthly payments and she goes thats why we get your vin number and laughed again and she goes we're smart you're not and when I told her omg you guys are dirty she said no we're not we're just smart. I told her wow your costumer service is horrible let me speak to a supervisor and she goes im the owner and I was like thats even worse and she said its ok you'll be back cuz of your dumbass decision. I would rather pay out of pocket to fix my car then give my money to this unprofessional warranty company, straight disgusting, save your time here dont even bother they are so rude then had the nerve to say I was rude so thats why they were I would admit if I was even the slightest and I know I wasnt they got all crazy from the moment I said cancel read more

I don't know who uses Yelp! But maybe this will help someone. When I contacted the company, I was told that the warranty would fully cover the power train and other major components at 100%. However, when received the policy, it clearly states 40% up to $2,500. In addition, I was told there was a one-hundred percent refund if canceled within thirty days. I called to clarify and was told that it the forty percent was for other maintenance, contrary to the verbiage. I called another warranty company and received the proper coverage. Thus, I attempted to cancel the alleged warranty from Empire Auto Protect and was told that the cancelation department opened at 10 CST. At 10 CST, I again called and was told the Cancelation Department queue was full and I would get a callback. I waited three hours and called back when the no call was made to me. When I called, the customer representative told me that I could not cancel because I was dissatisfied with the product that was not what I was sold (bait-and-awitch). He stated that was not a good enough reason. When I asked him if customer satisfaction was not a good reason, then what was? He stated he didn't like my attitude and hung up. I called my financial institution to stop all future payments and dispute the last payment that was made. I then again called Empire to attempt canceling the warranty. The customer service representative asked me why and I told him it was already covered under another policy. He asked who and I replied Endurance. He lied and told me they were the same company. He stated that he would recommend that I should keep my Empire policy and he would cancel the more expensive Endurance policy. He also informed me that I had home coverage and that was due today. However, I never agreed to any such coverage. After getting nowhere with that rep, I received notice from my bank that Empire attempted a charge of $104.04, but it was blocked by the stop payment order. Empire is guilty of bait-and-switch, fraud, and deceptive business practices. read more

I wanted to talk to claims department to figure out why only partial payment of claim with being paid and a gentleman answer the phone and told me the department was at lunch and I should call back in s hour with my old ass. read more

This company would just take your money even though they claim 30 day money return guarantee is not true I have been calling them and requesting my money back and every time is someone else telling me a different reason why I have not received my money I could just imagine if I needed a car repair payment They are rude and they are a scam read more

they lied from the first day. the contract was nothing luke they said. cancelled immediately. they continue to contact me and my daughter...even called her and lied and said she signed up again. she did not. i continue to get texts telling me i can still sign up. i block them and they use a different number. yesterday i called to have my information removed...got hung on twice...got rude people 2 more times...then got a supervisor who told me to "get on my knees and put my tongue on my phone". i hung up. be careful if you sign with them. check your credit card. they lie. they make fun of senior citizens. they are terrible. (and they refuse to remove my information. 20 minutes later i got another text. read more

The worst ever compared. Rude not knowledgeable very very poor customer service most agents don't know their job got my plan mixed up several times. Everyone tells a different story and passes you from one side none knowledgeable person to another. Definitely would not recommend . I would give them zero stars and that would be a compliment!!! . read more

Don't use this company! It's a fucking joke especially costumer support! nothing but lies and fraud.. avoid using this company at all cost. They won't even let me end my membership. Also have a recording of the agent who lies and lies read more

Scam company. I was running through my info in phone then had to take an urgent call, said I would call back to finish purchasing nut dont do anything yet. While on other call person said he careful about then, I looked them up and saw issues- all the time they kept calling me nonstop. I did call back and said sorry not interested in purchasing and no exaggeration, rep started cursing/insulting me calling me a liar,etc.. real professional. Then i got notice later they put sale through without my permission! Then came non stop calls and emails from various reps to sell me further. And it was hell getting them to erase transaction, they kept hanging up on me etc. this is NOT a legit company, stay away! read more

Very Rude and Racist, i was Called the N Word multiple times and told to sell my car if i wasn't able to afford their premium, because i requested a list of covered items in their policy. I of course am able to cover any expense that i choose to purchase, but they seemed very reluctant to answer questions regarding the services i wanted. Please at ALL COST DO NOT DO BUSINESS WITH THIS COMPANY. The Yelp and Google reviews are also ALL NEGATIVE !'nnn read more

I just got off the phone with one of their representatives. I called to cancel my policy and he was curt, very rude and at the end of the call, called me a f***ing dick At all times I was polite BTW I canceled because what they quoted me and what they charged me was different. This was a red flag! read more

All I can say is my experience with this company has been nothing but a nightmare. When you get ready to file a claim they pull out every trick in the book to not have to pay. Stay away from this company. It is not in your best interest. You will end up spending money monthly thinking you are protected and if something happens to your car you will end up paying out of pocket because they will find a reason why the repair is not covered even though it states in the policy it is. Fraudulent and deceptive people. They need to be closed down. Very shady. The companies they work with are just as fraudulent and shady as well. My dealer's choice... Magellan service corporation... They are all in cahoots to take consumers money and NOT PAY CLAIMS. BEWARE!! read more

Very deceptive sales and customer service. They have an offer that if you pay for two years you get two more years free. I was reluctant and the sales guy said I'll give you a third year free if you say yes right now. Okay I accepted the 60 month plan and they billed me for the first month. I gave him the odometer reading and had him read it back to me. When I get the plan information booklet things didn't look right. First the cards had no company name on them. Very odd. I read the fine print and the plan a said 48 months, not 60. On top of that they recorded the odometer at more than 9,000 over. I told them I only put 4-5k @yr on this vehicle. Any claims would likely be denied because of mileage discrepancy. I called customer service. The CSR said he could see that my plan should be 60 months and asked for a photo of the odometer. Said it would be corrected and I would get a confirmation call and new contract asap. Ten days went by and no word back. I tried calling and lines were busy so I requested a call back. No callback! Days went by and I kept calling until I got somebody. CSR said they were denying the 60 months and that was my only option. I said cancel plan immediately and issue a refund. He said that he would do that. I saw a refund in my credit card and was pleased. Then after the plan was cancelled, they billed me for another month! The actions of this company are disreputable and unethical. So be warned. read more

For some reason, I thought I was ordering auto insurance from Endurance and ended up on the Empire Automotive website. I tried to place the order, but the AI voice said my card would not go through. I was also not prompted to enter my VIN number. I realized I had made a mistake in less than 24 hours. I contacted them and spoke with Ashley, explaining the situation and asking for a refund. Ashley transferred me to Jeffrey. Again, I explained the problem, and he denied that the company would have done that. I told Jeffrey the AI's lady's voice said my card did not go through, and to try another card. Knowing my card was valid and in good standing, I tried again and again, but was told my card did not go through. I told Jeffrey that because I was so frustrated, I hung up. And the next morning, I saw his company charged me, and I wanted to be reimbursed. He was now very annoyed and asked for my VIN so he could reimburse me. I told Jeffrey he didn't need it, and we were now arguing over not giving him my car's VIN. I asked to speak to his manager, and he yelled, " I am the manager." I called on May 14th to ask for a refund and got yelled at. After waiting three days, I have not received a refund. Empire Auto Protect is a SCAM company. Class Action Lawsuit potential! read more

Went to collect on a claim on my a/c they turn the claim down because my mileage was wrong when got the policy I wrote 105000 miles the mileage was 102000. Since there was a difference in mileage even though it was in there favor they would not pay fore the repair read more

Liars, Liars, Liars!!!! requested a cancellation and refund hours after my transaction with them. I was ignored. To this day they have not honored their 30 day unconditional cancellation and refund policy and its been more than 3 months since my request. I filed a complaint against Empire Auto Protect for fraudulent and deceptive sales practices and for failing to meet their stated obligations, with my Banks credit card fraud Division and more importantly with the Consumer Financial Protection Bureau (A Government Agency). I won my case against Empire Auto Protect (with my bank)and my funds were returned to me by my bank.Overall it took me 3 months of frustration and aggravation to complete the process. I can't state strongly enough how unsavory representatives of this company are. If you are seriously thinking about doing business with them don't. They will lie to you and then lie about their lies. They will deceive and manipulate you to sign up with them. Their word and their guarantees are worth less then nothing. Forewarned is forearmed! I wish I would had investigated them properly before acting against my own best interests Do not make the same mistake I did. I promise you, you will regret it. read more

I was called several times from Empire Auto Protect. Eventually I signed on with them late January early February. When courting and begging me to sign on daily. They were quite courteous. I stoned up for I was told was the Platinum plan. This is what I was told and quoted for my 2020 Cadillac Escalade. However, upon encountering an issue with my vehicle in March. I found out that I wasn't covered because they put me on a comprehensive plan. Which I never once discussed with know one. So, when O called I explained the issue with a SUPERVISOR named Shawn. Who sympathized with me and apologetic for them misleading. Assuring me that I'd receive a full refund since that's not what I signed up for. Nor was I ever spoken to about a limited plan without coverages for a vehicle with 80,000 miles. I never received the refund so I started calling daily for Shawn whom I spoken with on March -6, 2026! Well that's when the shenanigans began. From the rudeness threats and being told you're not a customer I'm not transferring you to Shawn. He's out then call back in 20 minutes. Those folks are frauds thugs and wanna be gangsters. One of there customer service reps told me he'd come to Miami and do something to me. I've never encountered such a horrible unprofessional company. They should be shut down!!!!!! read more

0/10 fraudulent, slimly, shady, scam!!! Signing up is rainbows and butterflies saying your covered and getting you signed up as easy as pie. Canceling is another story and apparently even when you cancel on a recorded line they still charge you and don't cancel it just comes form a company called EFS companies. Bank called me and reversed the charge thankfully. Stay far away. read more

Empire Auto Protect - Auto Insurance Near Me - Dover, Delaware

Trying to cancel after only 3 days (I have 30 days to review & cancel) after reading the bad reviews and having difficulty reaching someone to do so. I have emailed, called & Left voice mail. I would be leary of doing business with Empire Auto Protect for such reasons. If they weren't unreachable & unresponsive to cancellations, them I wouldn't be concerned but now I am. read more

One of the worst companies i have ever seen i had them for a year and 2 months and when i sold my car and i tried to cancel my policy because I don't use the car any more i called them the first agent he was super rude and said can't help you and the second one asked me to pay the monthly payment so he can process the cancellation process read more

STAY AWAY. This outfit is super shady. As soon as payment was made over the phone when signing up for a policy, I received an email that was blocked by Gmail because it came through from an email spoofer. Not from a trusted alias. This made me suspicious. This initial email was supposed to contain an onboarding packet/explanation of coverage, but did not. I attempted to email the (likely fake) email address in the email and never got a response. After reading terrible reviews on the BBB and several other sources, everything in the reviews was lining right up. I had originally spoken with an alleged "Eric" who's caller ID actually showed as a different name. After taking payment, "Eric" was MIA and unable to be reached. Once the red flags were raised, I called to cancel. I was transferred to an extension that did not exist, so I called back. Again I was transferred to an invalid extension. I called a 3rd time and was told that "the department that takes cancellation is likely out to lunch and that is why they didn't pick up"....but, the extension was INVALID, so this was obviously a lie. I was told to call back in an hour. I did, then was told by Customer Service that management was going to reach out to me. Of course, nobody reached out. What I ended up doing was going to my bank and stopping payment and disputing based on being unable to make contact with Empire and cancel for refund, which they had stated was a no questions part of the deal for the first 30 days. The next day, for peace of mind, I called Empire to make sure they would cancel my policy. Immediately upon answering, I was greeted by a very rude and overly patronizing person on the other end of the line. The tone was extremely unprofessional and they did confirm that I had been cancelled already, but it was because I disputed. DO NOT DEAL WITH THESE PEOPLE. If you do, and you are not proactive about taking care of yourself, you will end up getting screwed, just like the hundreds and hundreds of bad reviews everywhere say you will. read more

Oh my God, I have been trying to cancel this for days. I signed up not knowing the full details of this company. They say they are a full warranty company but they are not. I can't get anyone on the phone to cancel my contract, they keep saying they will send out a email. Nothing. Now I have to cancel my debit card just to stop them from charging me for something I have been trying to cancel for days. It was also supposed to be $99 per month. just received something from Mepco wanting to charge me $133 per month.... What gives...??? DO NOT SIGN UP!!!!! For real.... This is not a money back guarantee, if you sign up for the $99 bucks... Just consider gone. You will not get your money back. Just cancel your card and move on. read more

I recently filed a valve cover gasket claim with Empire Auto Protect and had a very positive experience. The claims team was professional, responsive, and clear throughout the entire process. They coordinated directly with the repair facility, which minimized delays and made the experience seamless. The claim was reviewed and approved efficiently, and the repair was completed without issue. This experience reinforced the value of having reliable coverage, and I would confidently recommend Empire Auto Protect based on their handling of my claim. read more

i signed up for an extended warranty but when i received the booklet outlining the benefits i found that the salesman outright lied about the coverage. when i confronted them on the phone their representative was very rude. i am trying to get my money back but, to date, no success and no response to a detailed complaint sent to the company. read more

Called 4 times during 30 day period to cancel policy. They said very rudely "we will not cancel policy" they had me in tears I was so angry. Do not do business with this company, they are rude, their policy states they only covered 50% which i was not told, they do bait and switch, they are just a bad company. I sent a complaint to the CA State Insurance Commissioner today. read more

Bought a plan, called after a week to cancel it, as i was under 30 day money bck guarantee. Cs askes why i wana cancel it, i stated i dont need it any more, Cs sed not good enough reason, than i stated iam not satisfied with the product. Customer service sed not good enough reason to cancel it. I asked for supervisor he sed iam supervisor. He refused to transfer call to his supervisor. I calles again i guess same person answered it, sed ur plan is canceled, i complaint about previous call ,he sed i dont wana hear it. N block me from calling. Pathetic customer service. read more

Read this carefully, along with their other reviews. THIS COMPANY IS A SCAM!! After a long conversation with Christian Lucas and taking copious notes, I gave him a down payment and a credit card for monthly payments, with the promise that I had 30 days from that date to review the contract and cancel if I wanted to. Ten days later I received the contract and it was totally different than he told me. He told me $99 for the down payment and monthly payments (24 total), but the contract said $195 for the down payment and $108.54 monthly (25 total). He said my car repairs would be covered 100% "bumper to bumper" with a $100 deductible, except cosmetics, paint, seals, gaskets and tires. When I inquired later, I was told my EV battery would be covered. When I received the contract 10 days later, it said I would get a 50% reimbursement for repairs and there were 26 items listed as not covered, including my EV battery. The "manager" Richard I spoke to that day told me that, if I wasn't happy, I should cancel...so I did and told him to refund my down payment and cancel my credit card. I also sent a letter and email to the company headquarters (no phone number). Less than 30 days after signing up, they charged my credit card for a monthly payment, and I have never received a refund for my down payment. When I spoke with a "manager," he wouldn't give me his name and called me a "F___KING BITCH." (I was not rude!) He said they had received no notification that I had cancelled. I sent another letter to the company and no one has responded. Thirty days later they tried to charge my credit card again, but I had cancelled it. read more

Empire Auto Protect is a complete scam! Happy to take my money but denied my legitimate claim when my vehicle suffered catastrophic mechanical damage. I'm now out $15K plus the money I've wasted with Empire. On top of it all they are incredibly nasty. Avoid this company at all costs! read more

SCAM!!! DO NOT PURCHASE ANYTHING FROM EAP! They act friendly and make false claims to get you to purchase their platinum or titanium plan that "covers everything!" once they have your money they are rude, hang up on you, place you on hold indefinitely, change their names and act as though they are someone else! Im in the process of suing them after they blatantly lied on their response to the Better Business Bureau complaint I filed! Do your research and stay away from this company!!! SCAMMERS! Read these reviews!!! read more

I would never recommend this company to anyone. They are a bunch of scammers. I paid $165 a month for my plan and my vehicle needed to go into the shop. Had it towed to the shop had them diagnose it. And waited for empire to confirm there findings. As soon as they confirmed they all of a sudden denied my claim. Mind u my vehicle has been sitting there for 6 months no rental no nothing. And now because they won't honor there part of the contract my vehicle is going to be impounded. They lack customer service, they are rude in the phone. Never call u back when they say they will. And the only good reviews that they have I'm pretty sure are from the ppl that work there. They steal your money so please do not use this company. You will lose more then just money. I lost money and am about to lose my car. read more

This company appears to be like a scammer. They tell you one thing at the initiation processes and then later on you find out it wasn't that at all what they were claiming. At the beginning they kept calling me to sign me up and finally since I was looking for a good warranty company for my BMW 530I, I accept their offer. Then they made me pay $99.00 and I then called to several times to talk to the same salesperson who sold me the so-called warranty, he was nowhere to be found, despite the fact he had told I can call anytime to ask him any questions. Ultimately, after several tries, I was able to talk hold their switch board and talk to them and asked to cancel the policy but the flatly refused and hung on me. I tried several times, but no response at all. Make sure you do not choose this company for you auto warranty, they seem to be scammers read more

If there was an option for 0 stars, that is what I would select. This company is fraudulent and should not even be in business. I was lied to over the phone when I purchased my extended warranty plan and told it would cover 100% of the repairs included in the plan. It was a pretty exhaustive list so it sounded good. Then I read through the little book they send you and that is not the case. So now I want to cancel and I have called 5 different times, been given the run around on how to cancel and denied a refund because it is month to month. They do not care that I was lied to and did not make any attempt to rectify this. DO NOT USE THIS COMPANY! read more

I purchase coverage for my older car. I thought that I was getting the full coverage . Come to find out I was paying 99.95 per month just for a battery replacement. They told me also that I wasn't approved for it because how old my car was. Didn't tell me nothing at all, but kept on taking my money. read more

​I strongly advise everyone to STAY AWAY from Empire Auto Protect. This company is an absolute fraud and does not honor their policies. I purchased a plan for peace of mind, but when my vehicle experienced a legitimate mechanical failure, they did everything they could to avoid paying the claim. ​Endless Excuses and Denial ​My car needed a costly repair. I followed their claims process, but the nightmare began as soon as the repair facility submitted the required documentation, including the itemized repair bill. ​On the phone, their representatives were not only unprofessional and had an extremely poor attitude, but they also constantly gave me excuse after excuse. They claimed they couldn't "hear" the details of the repair receipt or that the documentation wasn't formatted exactly how they wanted it--a clear tactic to stall and deny the claim. It's obvious they are intentionally making the process impossible to pressure customers into giving up. A Dishonest and Fraudulent Company ​I believe this company is engaging in fraudulent business practices. They take your money, but when it's time to honor the contract, they use every dirty trick to deny payment. I am out hundreds of dollars for the policy and now have to pay for the full mechanical repair myself. ​Do not waste your money or your time with Empire Auto Protect. They are not a protection company; they are a complete scam designed to collect premiums and never pay claims. You will be better off putting your money in a savings account for repairs than trusting these people. read more