ASURION Auto Accessories Plan Review: Conditional Buy
Starting with a headline number that should make insurance skeptics pause — ASURION Auto Accessories Protection Plan holds a 4.5/5 rating on Amazon and 4.7/5 on major review aggregators. That high score isn’t just marketing fluff; it’s backed by thousands of stories from customers who claim it “saved me hundreds” and “handled everything within 24 hours.” Yet, digging deeper into user reports reveals situations where quick replacements met resistance, costly deductibles surprised buyers, and fine print excluded entire device categories.
Quick Verdict: Conditional Buy
| Pros | Cons |
|---|---|
| Fast claim approvals, often within hours | High deductibles on some devices |
| Replacement devices shipped next day | Refurbished replacements not always equal to original |
| Covers drops, spills, and mechanical failures | Unsupported categories like Samsung fold/flip repairs |
| No deductibles for certain auto accessories | Occasional poor communication on repairs |
| Optional mobile technician visits | Restrictions based on purchase date and product condition |
| Friendly, helpful reps praised for professionalism | Repeat repairs may cause new issues post-service |
| Peace of mind for high-value items | Geographic/partner coverage gaps |
Claims vs Reality
ASURION markets its Auto Accessories Protection Plan as “no deductibles or added costs; parts, labor and shipping included,” promising day-one coverage for drops and spills. For portable products, this sounds comprehensive. A verified Amazon buyer noted: “They sent a check 2 out of 3 times I had to use the warranty… basic questions asked online, return the goods and the checks were on the way.” This aligns with the marketing in straightforward claim cases.
However, Reddit user solitaire0199 revealed a gap: “Telus and Asurion (Complete Care+) don't honour repairs on fold and flip devices… the only option is an $800 phone replacement.” While folds and flips aren’t common car-accessory devices, this story shows how exclusions can block expected repairs. The promise of “other breakdowns covered after the manufacturer’s warranty expires” holds unless you’re in an unsupported device class.
Another headline claim is a “fast and easy claims process, online or by phone 24/7.” Plenty of Trustpilot reviewers back this up — “Replacement phone the very next day… no hassle or hoops” — but others encountered delays. One customer was “without my phone for over a week waiting on an e-gift card,” pointing to inconsistent processing times depending on claim type.
Cross-Platform Consensus
Universally Praised
Customers across Amazon, Sitejabber, and ConsumerAffairs consistently praise speed. A Trustpilot reviewer said, “I had my fiancé’s phone fixed within 2 hours — the technician even came to our house.” This mobile service model resonates with busy vehicle owners who can’t afford downtime, whether it’s a dashcam or GPS unit needing attention. For Walmart shoppers, one Amazon buyer highlighted reliability: “Always very good… helps taking chance on product easier.” The absence of deductibles for auto accessories in this price range makes lower-cost claims particularly painless.
Many appreciate the professionalism of technicians. On Sitejabber, one reported: “The service man was awesome… ordered the part, gave me a date, came back exactly then, fixed it quick.” For car enthusiasts investing in custom installs, knowing the repair timeline will be met matters for scheduling and safety.
Common Complaints
The most repeated frustration involves unexpected deductibles for certain devices outside pure auto accessories. A Sitejabber user lamented paying $275: “It should be partially charged… I'm not happy how much they make off of this.” While auto accessories under this plan avoid those fees, customers owning mixed device plans are often caught off guard.
On Reddit, exclusions become more pointed when customers find their device not covered for repair, only full replacement at steep costs. Complaints about refurbished replacements also appear; one Trustpilot contributor received multiple faulty units, wasting time and energy: “Two defective replacement phones… now left without a phone to trade in.”
Some long-tail complaints are operational — technician no-shows, rescheduled appointments without notice, and repairs that fix one issue but cause others. A customer recounted sending their laptop back five times: “It seems they only fix the problem that’s on the paper.”
Divisive Features
Refurbished replacements split opinion. Many accept them as fair trade for quick turnaround, like the Trustpilot customer who got “an upgrade better than the one I had” when stock ran low. Others feel shortchanged if condition or specs differ. For auto accessories, refurbished GPS units or in-car cameras can be perfectly functional, but purists prefer brand-new replacements.
Another divisive point: speed versus thoroughness. Some love next-day parts shipments; others find rushed diagnostics miss underlying faults, leading to repeat service calls.
Trust & Reliability
Long-term users generally speak of ASURION as dependable, with several reporting multiple successful claims over years. A Sitejabber reviewer said: “Insurance handled it fast… sent the new… incredibly easy.” Yet patterns on Trustpilot hint at systemic pain points: poor follow-up on complex repairs and reluctance to authorize straightforward fixes when manufacturer warranties overlap.
Reddit’s fold/flip device case is illustrative — the customer had over a year of premium payments but learned retroactively their device type was repair-excluded. This erosion of trust comes not from service execution speed but from opaque exclusions. For auto accessories buyers, reading contract specifics before purchase is key to avoiding similar disappointment.
Alternatives
While no direct competitors for auto accessories protection are mentioned in user data, Amazon sellers and eBay offer Assurant and Allstate plans. eBay’s Assurant Protection Plan boasts “no deductibles or hidden fees” and covers mechanical/electrical failures for new and refurbished parts. However, user familiarity and volume of positive ASURION feedback suggest it owns more mindshare among auto accessory buyers. Allstate’s one-year coverage options are cheaper but shorter-term, making ASURION more appealing for those seeking multi-year protection.
Price & Value
Current Amazon listings put the 3-year auto accessories plan ($150–$174.99 item value) at $16.99. Given multiple verified buyers reporting “full check sent promptly” for claims, value is high for typical dashcams, stereos, and GPS units in this bracket. For large-scale car customizers, the coverage offsets expensive replacements even after warranty expiry.
Community tips stress combining ASURION with reputable manufacturer warranties — “See if Asurion will pick up where the manufacturer warranty falls short,” advised one Amazon reviewer burned by a Murray lawn mower claim conflict. This strategy ensures gaps are covered without duplication.
FAQ
Q: Does ASURION cover accidental damage on auto accessories from day one?
A: Yes, for portable products like GPS units or dashcams, coverage for drops and spills starts immediately after purchase.
Q: Are there deductibles for claims under the auto accessories plan?
A: No deductibles apply for covered auto accessories in this price tier, which users praise for making low-cost claim approval quick and painless.
Q: What happens if the exact item isn’t available for replacement?
A: ASURION may offer a refurbished or upgraded alternative. Some customers welcome upgrades, but not all replacements match the original specs or condition.
Q: How fast can I expect my replacement or repair?
A: Many users receive replacements within 24 hours for straightforward claims. Repairs vary depending on parts availability and technician scheduling.
Q: Can ASURION deny a claim due to overlapping manufacturer warranty?
A: Yes, in some cases claims are redirected to the manufacturer during their warranty period. Understanding overlap prevents surprise denials.
Final Verdict
Buy if you’re an auto enthusiast or daily commuter investing in mid-range accessories and value quick, cost-free replacements. Avoid if your primary device is in an exclusion-prone category or you demand brand-new replacements every time. Pro tip from the community: document your purchase, register promptly, and check for manufacturer overlap to ensure your ASURION plan fills the gaps you actually need.
