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Protection Direct Review: Is It a Scam or a Lifesaver?

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Protection Direct Review: Is It a Scam or a Lifesaver?

Updated: July 18th, 2023

Protection Direct is an extended car warranty company that has been in the industry for years, earning a reputation for its expertise and commitment to customer satisfaction. Many car owners turn to Protection Direct to safeguard their vehicles and their wallets from unforeseen repair expenses.

This comprehensive review delves into the different features and services offered by Protection Direct to determine if they truly live up to their reputation.


24/7 roadside assistance
Flexible payment options
Prices available on the website
Trip interruption reimbursement


Contracts are not transferable
Limited to 10 roadside assistance occurrences over the course of the contract
May not be available in California


Quick Stats

BBB Rating
Cancelation Option
$89 per month
Customer Experience
Maintenance Coverage
Maximum Mileage
Up to 500,000
Money-Back Guarantee
Number of Plans Available
Repair Shop Choice
Your dealer or any licensed repair facility
Term Limits
Trustpilot Score
Waiting Period
60 days
Operating Status
Business Started
Online Quote
Not Available

Exploring Protection Direct as an Auto Warranty Provider

Protection Direct, a direct provider, has successfully covered over a million vehicles and paid claims totaling over one billion dollars. While it’s worth noting that the Better Business Bureau (BBB) doesn't accredit Protection Direct, the company has been assigned an A+ rating by the BBB. Protection Direct claims to offer flexible plans that fit your needs and budget. Besides extended warranties, you are also offered some additional benefits, including 24/7 roadside assistance, courtesy towing, and flexible payment terms. Protection Direct aims to cater to diverse customer needs with a wide range of policies available, from car and home insurance to life, pet, travel, and more.

Are you curious about what sets them apart from the competition? Dive into our comprehensive review of Protection Direct to gain a better perspective.

Why Choose Protection Direct?

We want to provide you with a balanced perspective of the pros and cons to help you make an informed decision based on your individual needs.

Some of the perks include:

  • Accessible mechanics: Protection Direct shines in several areas that make them stand out from the competition, one of which is their extensive network of authorized repair facilities. This means that wherever you are, you can easily find a reputable repair shop that accepts Protection Direct's coverage. Say goodbye to the stress of locating a trustworthy mechanic while you're away from home
  • Around-the-clock roadside assistance: Another aspect is their 24/7 roadside assistance and emergency services. We all know that breakdowns can happen at the most inconvenient times, whether it's during a road trip or in the middle of the night. With Protection Direct, you can have peace of mind knowing that help is just a phone call away. This service includes features for covered breakdowns, with benefits including: towing assistance, lodging reimbursement, battery boost/jump start service, flat tire changes, lockout assistance, and much more
  • Payment made easy: They provide a range of payment options to ensure flexibility, accommodating diverse financial situations with ease. Recognizing that not all individuals can afford a one-time payment, they offer flexible payment plans, enabling you to distribute the expenses of your coverage over time. By doing so, they ensure their plans are accessible and budget-friendly for countless car owners

While Protection Direct has numerous strengths, it's also important to address a few potential drawbacks. Like any auto warranty provider, Protection Direct has certain limitations and exclusions in their coverage plans.

Some of these drawbacks include the following:

  • Mileage limitations: Some Protection Direct plans have mileage limitations, meaning that coverage may not extend beyond a certain mileage threshold. If your vehicle exceeds the maximum mileage limit specified in the coverage plan, you may not be eligible for certain repairs or components
  • Transferability limitations: While Protection Direct allows for the transfer of extended warranty plans to a new owner if you sell your vehicle, specific conditions and limitations may be associated with the transfer process for each specific plan provided. It's important to carefully review the terms and contract with Protection Direct to understand the requirements for transferring the coverage to a new owner
  • Limited availability: Although Protection Direct operates nationwide, some individuals may find that their coverage is not available in certain states or regions or has different terms and conditions. It's important to verify the availability of coverage in your specific location before considering Protection Direct as your warranty provider

Review the terms and conditions included in the contract to understand what is covered and what is not. Reading the fine print will help ensure that the coverage aligns with your expectations.

Coverage Plans & Options Offered by Protection Direct

Protection Direct offers a range of coverage plans tailored to meet the diverse needs of car owners.

Let’s take a look at the three plans:

  • EZ Guard: Offers comprehensive coverage for vehicles with a maximum mileage of 100,000 miles and covers engine and transmission failure, high-tech electrical parts, AC, the fuel system, the steering system, seals and gaskets, suspensions, CV joints, and differential assembly
  • EZ Elite: This plan provides all-inclusive coverage, similar to the EZ Guard plan with additional components such as fuel and a water pump (for detailed information, refer to the sample policy on their website). It Covers vehicles with mileage between 100,000 and 150,000 miles
  • EZ Select: This plan covers vehicles with a high mileage of up to 150,000 miles. Coverage includes the engine and water pump, transmission, and transfer case

The website outlines three plans, but they assure customers that they can tailor these plans to meet individual needs and budgets, demonstrating flexibility. So, if your vehicle falls outside the coverage parameters of these plans, you can customize an extended warranty plan that works for you.

Details on what these plans do not cover are available in your contract's “Exclusions” section. These exclusions encompass normal wear and tear, breakdowns due to inadequate maintenance, any component not explicitly mentioned in your contract, and generally any incidental damage. Make sure to read the whole section of your contract regarding your vehicle's eligibility before you make a decision.

Is It Suitable for You?

Protection Direct offers a basic coverage plan covering necessary repairs and components, ensuring your vehicle is protected against common problems. Their comprehensive coverage plan is a great option if you want more extensive protection for major repairs. Even better, Protection Direct allows you to tailor your coverage to your specific needs. Whether you own an older vehicle, travel long distances frequently, buy a used car, or are on a tight budget, their services provide security and assurance.

While Protection Direct offers comprehensive coverage options and benefits for many car owners, there are certain situations in which their services may not be suitable. Consider factors such as the age and mileage of your vehicle, existing warranty coverage, future plans for your vehicle, and your budget to make an informed decision about whether Protection Direct's plans are suitable for you.

Remember that each person's circumstances are unique, and assessing your specific needs and vehicle situation is critical before deciding on an extended warranty provider. For more information on suitable extended warranty companies for you, feel free to check out our blog, reviews, and comparison pages.

Real Customer Experiences & Testimonials

To provide you with a well-rounded review, let's take a moment to share some real customer experiences and testimonials. We encountered a combination of both negative and positive feedback during our evaluation process.

Some individuals have reported positive experiences, praising the company's prompt claim processing, budget-friendly plans, and hassle-free repairs. These customers appreciate the convenience that comes with having Protection Direct coverage for their vehicles.

One customer shared his positive experience: two years after purchasing a warranty with Protection Direct, he encountered an engine issue and took his vehicle to a trusted repair shop. When the claims department was contacted, they responded quickly and covered both the repair and diagnostic costs. He was pleasantly surprised by the efficient service.

On the other hand, there have been reports of negative experiences from some Protection Direct customers. These complaints include difficulties in reaching customer service representatives, claims processing delays, and coverage eligibility disagreements.

One customer had an unfortunate experience with an agent from Protection Direct. This agent displayed rude, persistent, and pushy behavior when contacted by the customer. He didn't end up buying a plan.

These stories illustrate that individual experiences can impact the perception of Protection Direct. We suggest that you read all available customer reviews on the BBB’s website before making any decisions.

Customer Support

Protection Direct operates Monday through Friday from 9 AM to 5 PM. You can call them at their toll-free phone number, 800-964-5096, or email them at You can also contact them using their online form, and a representative from customer service will be in touch.

Protection Direct offers a hassle-free claims process. Just give them a call on their toll-free number for assistance before any work is carried out on the vehicle. You should have your policy number, repair invoices, and any other necessary documents available for reference. Once the claim is processed, you will receive the payment through a check or direct deposit to your bank account.

It's important to note that Protection Direct only covers repairs from certified mechanics and not all types of damage. Be sure to read the terms and conditions for the claims process included in the contracts.


In conclusion, Protection Direct is a reputable extended auto warranty provider with a track record of customer satisfaction. Their comprehensive coverage options, responsive customer support, and extensive network of authorized repair facilities make them a strong contender in the market.

When considering an auto warranty provider, remember that the choice is subjective and dependent on your individual needs and preferences. We encourage you to carefully review Protection Direct's coverage plans, terms, and limitations to ensure they align with your expectations. If you still have doubts about the company or need additional information on various auto warranty providers, feel free to browse our blog, review, and comparison pages. These resources offer comprehensive information and insights on different auto warranty providers.

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