I purchased an extended warranty for my Volvo XC90 On Jan 2007, I had some issues with the car and whenever I bring it to my local Volvo Dealer, the warranty work ends up being delayed and not fully covered for one reason or the other.
I visited the shop about three times between 2007 and 2008; I had to arrange for alternative transportation every time I needed repair work done. This warranty company takes 24 to 48 to inform the dealer of part / work they will cover.
During my last trip in winter of 2009, the service department agent told me directly and I quote: "we deal with all kind of warranty companies out there, yours is the WORST one, They are very hard to deal with"
I finally had enough, the repairs started to cost me money, because the Royal [There is nothing royal about them] refuse to pay for most of the work and I was always digging for my wallet to pay for work done and alternative transportation.
But wait, it gets better! I had a 4 year term or 100K miles, I got sick of the whole thing that I bought a new sedan and wanted to cancel the warranty to get the unused portion or 2 years premium refunded as I was promised by the car dealer during my purchase. Not so Fast!
I called Royal Admin and they asked me to put it in writing, which I did that same day just to get a letter in the mail telling me that I was out of luck!
When I inquired they told me that their secret calculator showed that they do not owe me anything because they paid for claims on my account and that the balance paid exceeds certain magical benchmarks and referred me to their policy.
Well, that was not nice and was not fair! I paid for 4 years, I used 2 year and any five year old will agree that they owe me the difference. I filed a complaint with the A/G and the BBB and got their response in form of copy of policy that was 5 pages long that I never saw! The dealer had me sign the last page when I was picking up my car in a hurry thinking that it was a policy confirmation. I was not giving the run down but I remembered clearly that when I asked about termination, the dealer was adamant that it was eligible for retro credit: "you only pay for the portion used" That was the answer I received.
This is deceptive, unethical, highway robbery! Buyer be aware!