AVOID GRSA/GUARDRISK

Absolutely terrible service from GRSA, underwritten by Guardrisk. One can only applaud the actuary's that work for this company, in making sure that the customer doesn't see a cent of assistance towards a claim unless they get exceptionally lucky. The package - in my case, a vehicle warranty, gets up-sold to you by a dealer (who no doubt gets kick-backs for punting this scheme) as a great service, making you feel like you are nicely covered in case things go wrong. This is far from the truth. They will try to find every loop-hole possible in the policy to deny your claim. The policy I was provided seems to show that I would have been covered, but upon trying to make such claim, they pull out more terms never presented at the start, and try their utmost push back on my questions, coming up with vague reasons to deny you. Be careful, because if you email back, they just start ignoring you. There is no attempt to compromise and cover certain items, just a flat "no" despite many items on the repair quote seeming to fall under their policy. They also have a nice general clause "items not explicitly mentioned in this policy are not covered", and they use this as a way to deny individual items; for example: I'm apparently covered for "Transfer case" but little did I know that actually doesn't cover all the items that make up a transfer case, only one or two things - most likely the things that never fail anyway. Don't expect the person who emails you to come with any sort of real assistance or customer care (looking at you, ***), and be prepared for being made to feel like an idiot for trying to make a claim. I'm not sure who is really to blame here, General Risk SA or Guardrisk, but no doubt they will point the finger at each other. Just Go elsewhere.