Assurant Reviews 

Well it all makes sense now having read all these reviews. I’m having the exact same experience as all of you who have their mobile phone insurance through Halifax bank.
Delay, lack of contact, inaccurate communication.
Just wrote to complain
I am amazed Halifax & Lloyds banks haven’t read these and moved their business elsewhere?! I pay a lot of money for my bank account and these benefits and have for years.
AVOID.

Assurant accepted our claim after I provided an abundance of very specific information about the nature and location of the damage, including photos.
The claim was referred to the repair company who requested further photos and did not raise any issues.
Repair guy came without a dent-puller, even tho they knew we had dents due to the info provided and the photos, then said that they don't pull dents on site and left. Further speaking to Assurant I was told that the scope of damage was outside their policy. At this point it was too late to claim on our main car insurance. Assurant have cost us £1000s. They have tried to say it is our fault as the damage is outside what they cover, but they are the party that accepted the claim after extensive written and visual evidence. After a further complaint call I was promised a call back, which I did not receive. Nothing they say holds any water as the damage-reporting is so exhaustively detailed. If there is a fault then at that point it lies with them and their damage-reporting/acceptance process and not with the claimant.
We had a claim with our main insurer to cover damage to other driver's car. We could have used this ourselves with no trouble and no extra cost to anyone. Instead we got shafted by Assurant and are now on the hook for all the costs... Stay away from this lot!

I recently had to make a claim with Assurant through Halifax Mobile Insurance after my handbag was stolen in a restaurant last Sunday, which unfortunately included my phone. I contacted the Halifax mobile insurance claims line on Monday to lodge the claim, and the process itself was very easy. Sam, who handled my initial call, was very friendly and helpful. However, I was advised that the claim could take between 1–5 working days, which I found frustrating as my life had pretty much come to a halt with everything being on my phone.
I became even more frustrated when the claim wasn’t processed until the 31st of December. On the 1st of January, I emailed the complaints department and spoke with Jared Talbot on the 2nd of January. Jared was incredibly understanding and acted swiftly to resolve the issue. He immediately took ownership of the situation and worked with Lee from the claims team to process my claim there and then.

Thanks to Jared and Lee’s excellent teamwork, my replacement phone was delivered within 24 hours after the complaint. The service at that stage was extremely swift, professional, and reassuring. I was able to reclaim my number and restore everything onto the new phone without any issues.

Despite the initial delay—especially during the holiday period—I’m very happy with how everything was handled in the end. They sorted it out within a week of me losing my phone, and the customer service from Jared and Lee truly stood out.

Thank you both for your help; I really appreciated it.

I had one of the worst experiences I’ve ever had with a car warranty company.

My car developed an overheating issue and I followed the process exactly as instructed, taking it to an RAC-approved garage. That garage quoted £2,600 for the repair. My policy has a £1,000 claim limit, meaning I would have to pay the difference myself — which I simply could not afford.

I was then forced to move the car to another VAT-registered garage. That garage repaired the fault for £267, proving the original quote was wildly excessive.

Despite this, the warranty company delayed authorisation repeatedly and eventually decided they would only pay £97, claiming they price parts based on where they source them (GSF), not what garages actually charge customers.

During this time:
• I was left without transport
• A courtesy car was refused despite my policy wording
• I spent significant money on alternative transport
• My complaint was dismissed with no meaningful resolution
• I was treated with a complete lack of empathy or accountability

The policy terms are written in a way that allows the company to delay, underpay, and shift costs onto the customer. When you actually need help, the cover is effectively meaningless.

If you’re considering this warranty, understand this clearly: You may pay for cover, but when something goes wrong, you are largely on your own.

I would not recommend this company to anyone.

£75 excess to replace a pixel 6 screen. 3 to 5 days without a phone.
Or £79 in town and done in 30 mins. Waste of time.

I am extremely disappointed with Assurant’s handling of my insurance claim.

Despite providing all requested information, my claim was delayed, poorly communicated, and ultimately handled unfairly. Responses were inconsistent and dismissive, and I was left without clear explanations or proper support throughout the process.

As a customer, I expected transparency, professionalism, and fair treatment, none of which were provided. The way this claim has been managed has caused unnecessary stress and inconvenience.

The matter is now being pursued formally, as the issue remains unresolved.

I would be willing to update this review if Assurant engages properly and resolves the matter fairly.

Joke of a company. My bank phone insurance is through Assurant. I made a claim a month ago and still my phone has not been fixed. The store partner hasn't had the parts needed for a fortnight now, every time i call they say they don't know when they will receive the parts. I have chased assurant on it three times, every time they promise a manager will come me back, which is yet to come to fruition.

I would never ever take out any form of insurance with assurant.

You can see my other review... But!! made a claim in September after the phone suffered water damage and went in for repair. The initial repair was handled promptly and the phone came back working.

However, in November, the screen failed. I contacted Assurant again and, to be fair, once the phone was returned they repaired it within the week.

Unfortunately, the screen failed again not long after. This time it wasn’t a black screen but random colours across the display, and when I tried screen mirroring via cable the output was completely black. Whether this was a cable issue or something deeper, at that point it was clearly not right.

Understandably frustrated, I rang up again. Halifax were excellent and immediately arranged a doorstep exchange. Within a week, a brand new Samsung S24 Ultra arrived today (slightly painful downgrade in colour to Titanium Grey :), but I’ll survive).

Absolutely horrible company, don't buy any warranty from them.
They will wriggle out of anything on a wording or technicality, even though they are profoundly incorrect & their ambiguous wording leaves them clearly responsible for the costs of the work needed to rectify my ABS issue...which is clearly stated as "included" within my "Gold" policy.

They intend to delay my claim and left me without phone for 2 days. but on leaving review, they reviwed case quickly and processed my claim fast

Extremely negative experience and unacceptable claim handling.

Despite an active policy and explicit coverage for mechanical/electrical failures starting from the second year, Assurant continues to refuse opening the claim using pretextual justifications. The manufacturer (Apple) has confirmed that the warranty has expired, Amazon refers back to the manufacturer, and Assurant redirects again to Amazon, creating an endless runaround that effectively nullifies any customer protection.

All requested documentation was provided multiple times, including official communications from Apple and Amazon confirming their inability to proceed under warranty. Nevertheless, the case is not taken in charge.

Inefficient customer service, standardized responses, no real support, and a complete mismatch with the contractual terms agreed upon.
In practice, a useless policy.

Not recommended.

I have paid for insurance through spectrum for 10 years and the first time I tried to use it on my iphone 16 pro max which crashed for no reason, they sent a replacement phone that was "stolen/lost" and unable to be activated. The replacement for that phone took 4 days to come in and was also unable to be activated because it had a "block" on it. I will be cancelling my mobile insurance through spectrum if this is who they continue to use as a replacement provider.

Lack of communication, being told different things from different people. Logged a claim on Thursday 11th of December online, called them on the Friday to chase things up as I’ve not received an email to say that have received my claim. I was then sent an email to send proof of purchase and usage which I have, I was told it would take 1 working day and seeing as they work over the weekend they class them as working days. I’ve been told my numerous other people over the phone all different time scales. 3 people said I would hear back today but nothing, spoke to someone today and they told me it could be Thursday by the time anyone gets it touch with me. Absolute shambles. Claim ID is 55173224. Hoping this review will help other people out.

My husband lost his phone on 3rd December and logged a claim that evening when we were not able to find our phone.

They asked us to provide proof of purchase and proof of usage documents which we gave them on 8th December Monday. They assured us that we will hear back within three working days.

AFter 3 days they said send the proof of usage again and said once we receive it we will be in touch in 1 working day. We immediately submitted the document.

it has been 3 working days since this happened and no reponse or update on this and we tried calling them twice but they said its in process its in review.

it has been 9 days since the claim has been made still hasn't got anything. My husband don't have any extra phone and we are stressed because of this.

Update: 15th dec
They have again asked for proof of usage which was sent twice before and 3rd time they have asked us to send original documents.

Do not use any bank accounts that use Aasurant. They use cheap far east parts. Checked in with apple as my screen kept going dark upon receiving phone calls. I cross checked with apple support, even sent in the evidence to Assurant and they have still dismissed it. Jeez these guys know more than apple… who would’ve thought!

Complaints have wiped their hands clean with my complaint even though the phone is clearly not functioning! I will now be raising a charge back against these crooks!

After making the tough decision to withdraw my iPhone lost claim # 55151004 due to excessive delays over a month of pointless questions, Now I have been waiting nearly a week for confirmation about it's closed. Only automated emails and out-of-office replies are all I get. It shouldn't take five days to confirm a simple withdrawal request. Terrible customer service and total lack of follow-up..

I have mobile phone cover through Lloyds bank. They asked me to send the mobile via the postoffice with DPD. DPD have lost my sons phone. 4 weeks on, still no phone back, i have to chase for updates as i hear nothing from Assurant. Absolutely shocking customer service. Cant give me a time scale as they are waiting for DPD!!!! Disgusting. Avoid this company at all cost.

Worst company about . Avoid at all costs , just look at the rating they get , useless staff and work pay pay out , they were willing to put my daughter life at risk in dangerous car
I have told you already you expected me to drive a dangerous car to one of your garages and I would not , you also would not pay out on the suspension despite it being on my parts list, you knew the car was 10 years old and you gave the warranty on it still , just look at the ratings your getting on here , 1.6 stars average, that says it all about how terrible you are

I have an insurance on halifax and I have made a claim through to insurace company for a broken front screen on I phone 13 pro and we have received back an iPhone SE,we have contacted the inaurace and they have mention that they have received an I phone Se and not an I phone 13 pro even if we have received the Device return form from them that states that imei number that we have made the claim is an iPhone 13 pro they still absolutely ridiculous and not recognised that is a mistake on their side
Și I will never ever recommend them and kalifax should check is well as as probably are thousands af people in this situation and ghet foolish by isurace providing company

Very slow to respond and update. Very disappointed with their customer service.

It took 3.5 weeks for my claim to be approved and phone sent out. I've used this company through Monzo insurance for 5 years without luckily ever having to claim. But when my phone was stolen, the claim was not dealt with in a timely manner, despite claiming the day of the incident, included a lot of detail, police report number etc with the aim to avoid any back and forth.
Each time I tried to contact, I either couldn't get through or they were still assessing my claim and then it said the phone wasn't in stock.