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ASC Warranty vs AUL Corp

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Pros
  • $0 deductible on all plans
  • Transferable contracts
  • Straightforward claims process
  • Live chat option
  • Supplemental coverage
Pros
  • One of the widest plan selections of any dealership provider
  • No waiting period on most plans
  • Wear and tear coverage, included on select plans
  • Disappearing deductible feature on select plans
  • Financing available at point of sale through vehicle loan
  • Wrap coverage available for vehicles still under factory powertrain warranty
  • Comprehensive ancillary product suite available
  • Transferable to new owner on most plans
  • Coverage at any licensed repair facility in the US or Canada
Cons
  • Prices not advertised
  • No direct quote engine
  • Limited coverage
  • No sample contract
Cons
  • Sold exclusively through dealerships
  • Dealer markup means no standardized or transparent consumer pricing
  • Prior authorization required before any repair begins; no paid costs reimbursed
  • Stringent cancellation requirements
  • Not available in New York
  • Maintenance record requirements strictly enforced
  • C+ BBB rating for Protective Asset Protection with active consumer alert
Summary

ASC Warranty protection offers complete extended car protection plans that are made to fit the needs and budgets of each customer. With an extensive network of approved repair shops, they make it easy to get high-quality help. ASC Warranty is dedicated to providing excellent customer service by ensuring that cases are handled quickly, and questions are answered immediately. They offer four plans: Drivetrain Plus Coverage, Platinum Drivetrain, Deluxe Coverage, and Factory-Type Coverage. 
From what customers have said, ASC Warranty is praised for its wide range of coverage choices, dependable customer service, and around-the-clock emergency assistance. These good customer reviews show that ASC Warranty is a trustworthy and dependable company that is at the top of its field. Some customers have expressed worries about the cancellation process and certain service gaps. It can be difficult to cancel service plans or get returns. Some customers' claims have also been turned down because of problems with the process for approving claims.
 

Summary

Founded in 1990, AUL built their reputation as a dealership-based vehicle service contract provider before being acquired by Protective Life Insurance Company in 2022. Today, AUL-branded contracts are administered through Protective Asset Protection and remain available exclusively through franchised and independent dealerships. This means consumers cannot buy plans directly online, and pricing depends on the selling dealer, vehicle, coverage tier, deductible, and any dealership markup. AUL’s biggest strength is the breadth of their coverage lineup. Their catalog includes powertrain, stated-component, wrap, exclusionary, lifetime, hybrid, and EV, and technology-focused plans. Some products also offer Any Year Any Mileage eligibility, while most plans begin on the day of purchase with no standard waiting period. Benefits may include roadside assistance, rental reimbursement, trip interruption coverage, transferable contracts, online claims submission, and same-day claims payment on approved repairs. However, customer feedback is mixed, with concerns around claim denials, inspection delays, rental reimbursement limits, cancellation complexity, and pricing transparency. AUL may appeal to dealership buyers who want broad coverage options, but reviewing the contract carefully before signing is essential.

Quick Stats
  • BBB Rating : A+
  • Maximum Mileage : 120,000
  • Money-Back Guarantee : Available
  • Number of Plans Available : 4
  • Waiting Period : 30 days
  • Operating Status : Active
Quick Stats
  • BBB Rating : C+ (not accredited)
  • Maximum Mileage : 150,000 miles; ‘Any Year Any Mileage’ on select entry-level plans
  • Money-Back Guarantee : Undisclosed
  • Number of Plans Available : 10+ named products across new and pre-owned vehicle categories
  • Waiting Period : N/A
  • Operating Status : Active
  • Deductible Range : $0–$250
Selling Points
  • Customer portal which allows members to manage all aspects of their contract
Selling Points
  • "Any Year Any Mileage" eligibility on select plans
  • Absolute Lifetime Protection and unlimited time term options available
  • Coverage for hybrid drive battery, electric drive battery, and high-voltage battery
  • Advanced driver assistance systems and tech component coverage
  • Same-day claims payment on approved repairs (most within two hours)
  • eClaims portal allows repair shops to submit claims online 24/7
Coverage & Plan Flexibility
  • High-mileage
  • Exclusionary
  • Powertrain
  • Undisclosed
    $0 deductible option
  • Commercial/rideshare
  • EV/hybrid components
  • Undisclosed
    No waiting period
  • Undisclosed
    Option with free maintenance benefits
  • Undisclosed
    Transferable
Coverage & Plan Flexibility
  • High-mileage
  • Exclusionary
  • Powertrain
  • $0 deductible option
  • Commercial/rideshare
  • EV/hybrid components
  • No waiting period
  • Option with free maintenance benefits
  • Transferable
Claims & Repair Experience
  • Undisclosed
    24/7 roadside assistance
  • Undisclosed
    Any licensed repair shop
  • Direct shop payment
  • In-network repair network
  • Undisclosed
    Mobile app for claims
  • Undisclosed
    Online claims portal
  • Undisclosed
    Trip interruption coverage
Claims & Repair Experience
  • 24/7 roadside assistance
  • Any licensed repair shop
  • Direct shop payment
  • In-network repair network
  • Mobile app for claims
  • Online claims portal
  • Trip interruption coverage
Customer Support & Transparency
  • Phone
  • 24/7 customer support
  • Email
  • FAQs / Educational resources
  • Live Chat
  • Undisclosed
    Mobile Application
  • Undisclosed
    Online quote without phone
  • Undisclosed
    Sample contracts online
Customer Support & Transparency
  • Phone
  • 24/7 customer support
  • Email
  • FAQs / Educational resources
  • Live Chat
  • Mobile Application
  • Online quote without phone
  • Sample contracts online
Contract & Payment Terms
  • Undisclosed
    Contract (lump-sum) payments
  • Pay-in-full discount
  • Month-to-month payments
  • Undisclosed
    Cancellation fee
  • Undisclosed
    Multi-vehicle discount
  • Price lock guarantee
  • *Not all payment methods are available in all states
  • *Some payment methods may incur additional fees
Contract & Payment Terms
  • Contract (lump-sum) payments
  • Pay-in-full discount
  • Month-to-month payments
  • Cancellation fee
  • Multi-vehicle discount
  • Price lock guarantee
  • *Not all payment methods are available in all states
  • *Some payment methods may incur additional fees
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