ASURION Auto Accessories Plan Review: 7.2/10 Verdict
Starting at just a few dollars for some tiers, the ASURION Auto Accessories Protection Plan draws in buyers with promises of “no deductibles, parts, labor, and shipping included.” But after digging into hundreds of user stories, the verdict lands at a 7.2/10 — strong for straightforward claim experiences, but with cracks showing in device type restrictions, refurbished replacements, and deductible surprises that leave some feeling shortchanged.
Quick Verdict: Conditional — worth it for those who value fast replacements and broad coverage, but read the fine print and know your device type eligibility.
| Pros | Cons |
|---|---|
| Fast claim approvals (often same or next day) | Refurbished replacements not always flawless |
| Simple online claim submission | Restrictions on certain devices (e.g., fold/flip Samsung) |
| Parts, labor, shipping included in key tiers | High deductibles for some claims |
| Coverage for drops, spills, cracked screens | Possible delays for backordered models |
| Good customer experience when reps are proactive | Mixed communication and follow-up issues |
| Accessible via phone or online | Some feel monthly costs outweigh benefit without frequent use |
Claims vs Reality
ASURION advertises “no deductibles or added costs” for portable products under certain plans. Amazon listings repeat that “parts, labor, and shipping included.” Yet in practice, deductibles do appear in mobile device coverage. On Trustpilot, one reviewer said: “I pay $33 a month for insurance and have never used the coverage… when I finally did I had a high deductible. I don’t see the sense in having it if I have to pay a high deductible to use it.” For auto accessories like dash cams, an Amazon buyer praised it as “reasonable price… extra protection warranty is good to have,” reinforcing that the benefit shifts dramatically depending on category.
Another claim — “fast and easy claims process” — holds true in many cases. Twitter posts glow about receiving replacements “within hours” and a tech arriving onsite to fix screens. A ConsumerAffairs reviewer confirmed: “Submitted the claim. Less than one week later had a new case… very waterproof and super durable.” Still, some report online form glitches halting claims until they called in, undercutting the ‘always smooth’ promise.
Marketing also suggests coverage after manufacturer warranties expire, but Reddit user solitaire0199’s fold/flip device story shows not all scenarios are honored: “Was told they do not cover any repairs to fold/flip devices… only option is an $800 phone replacement.” This gap matters for buyers expecting nuanced repair options.
Cross-Platform Consensus
Universally Praised
A recurring strength is speed. Asurion’s replacement shipments often arrive next day, a lifesaver for those who need gear working immediately. A verified buyer on Amazon noted: “Basic questions asked online, return the goods and the checks were on the way.” That rapid turnaround benefits commuters, delivery drivers, and anyone whose auto accessory or mobile device is integral to their routine. From Twitter, the repeated praise for “same day service” echoes across feedback — a grandmother filing an iPhone claim said it was “so easy… thank you so much.”
Customer service quality also earns applause when handled attentively. One Trustpilot review described a rep handling a delayed FedEx delivery like “her personal problem,” securing alternate arrangements. These moments build loyalty, especially for families managing multiple devices under one plan.
Common Complaints
Refurbished replacements are the top frustration. Buyers expect new units, but many receive visibly worn or flawed devices. One Trustpilot account was blunt: “The replacement phone i received does not work properly… bad touch screen… pathetic.” In auto accessories, this risk extends to refurbished electronics like stereos or GPS modules, where wear can affect performance. High deductibles — sometimes close to market value of the product — compound the disappointment. A Redditor dropped their deductible as “way better than buying a new phone,” yet others feel paying $149 for an older refurbished unit makes less sense.
Device-specific exclusions catch users off guard. Foldable Samsung owners discover they’re locked into costly replacement fees without repair options, a stark contrast for users with standard devices who enjoy flexible fixes.
Divisive Features
The breadth of coverage is a selling point for some — “always good to have” — but others question value relative to monthly costs, especially when incident frequency is low. A ConsumerAffairs reviewer found peace-of-mind worth it, while another declared: “Insurance is a total waste of money… they charge $89 for screen repair when local shop does it for $100.” The dividing line often comes down to individual risk tolerance and repair market prices.
Trust & Reliability
Patterns in Trustpilot reveal occasional “run-around” cases, often on backordered models, with delays stretching into weeks. A buyer of a $2,500 refrigerator under ASURION’s protection battled repeated breakdowns with little resolution, citing “epitome of why the lemon law exists.” While many others have smooth claims years into their plan, trust erodes quickly when communication lapses occur. On the durability side, several long-term Amazon reviewers keep buying ASURION plans for each purchase, citing consistent payout history — “sent a check 2 out of 3 times I had to use the warranty.”
Alternatives
Some reviewers shifted to carrier-offered insurance for phones after bad experiences, citing lower monthly rates and broader coverage. One Amazon customer recommended checking what your provider offers before buying standalone ASURION plans. eBay Motors partnered with Assurant Solutions for similar auto part coverage — offering scenarios without deductibles where ASURION might not be as competitive — giving savvy buyers options beyond Amazon’s offerings.
Price & Value
Pricing for auto accessory plans on Amazon can be under $10 for multi-year coverage in lower cost tiers, with mobile device protection running higher monthly. Value is strongest for products with high failure rates or critical daily use. Community tips stress reading plan terms closely: exclusions, deductible amounts, and repair options matter more than headline price. Purchasing alongside expensive electronics yields better return than on low-cost gear, unless claim frequency is high.
FAQ
Q: Does ASURION cover cracked screens for auto accessories?
A: Coverage for portable products includes drops and physical damage, but cracked screen repair is specific to mobile devices. Auto accessories benefit mostly from mechanical/electrical failure coverage.
Q: Will I get a new replacement?
A: Not always. Many receive refurbished units, which may differ in brand, color, or condition, though ASURION states they meet functional equivalence to the original.
Q: How fast is a claim processed?
A: Many users report replacements shipped same or next day after claim approval, though delays happen with backorders or verification issues.
Q: Are deductibles always $0?
A: No. Deductible amounts depend on the product type and plan. Auto accessories often avoid deductibles, but mobile device claims usually require them.
Q: What if my model is discontinued?
A: ASURION will attempt to provide a comparable replacement, but user reports show this can mean refurbished units or alternate models.
Final Verdict: Buy if you rely on your covered device daily and value rapid replacements with minimal hassle. Avoid if your item is low-value or easily repaired locally. Pro tip from community: check your device category’s specific deductible and repair options before purchasing — restrictions matter as much as coverage in real-world use.
