Top critical review
16 people found this helpful
Relic from the bad old days
on March 25, 2014
The good news is that the company is very prompt in emailing you a cover sheet, a summary sheet, and the actual binding terms and conditions.
The bad news is that the T&Cs seem to be unchanged from a 1970s or 1980s draft (for example, mine, purchased for a Canon *digital* camera, was originally listed as a contract for a 35mm camera!). Not only that, but they're written in pretty opaque legal-esque language that seems designed to give the company cover to deny just about any claim (again, shades of the bad old days of service contracts in the 1980s). An example of this was that the contract specifically covers accidents but rules out cases of negligence!?!
Clearly, no one has proofread the T&Cs for a while, as shown by the sprinkling of incomprehensible sentences (I even saw one with NO verb!) and the instructions for canceling the contract, which instruct one to somehow physically mail (yes, via snail mail!) the "original" contract (which exists only as an email!) to a specified postal address in Georgia.
I consider a service contract as a promise to be there years down the road if I have a problem with the covered item, so I need to be confident the company's promise is sound. A poorly-written retro-style contract like this one really didn't inspire any confidence, so I sent off my letter to Georgia. We'll see what happens!
Update 5/2014: I'm dropping my rating to 1 star based on my experience trying to cancel the contract and get a refund:
a) I followed the T&C instructions and mailed my cancellation request and paper copies of the documents they emailed me, and a paper copy of my Amazon order to the designated address in GA within the initial 30 days. After 2 weeks, no response.
b) I called Assurant's customer service, described the above, and had to escalate to a supervisor to get them to agree to cancel and refund my contract. After 1 week, no response.
c) Called Assurant customer service again, and they agreed to refund my purchase price. After a few days, a *partial* refund appeared!
d) Emailed assurant using the Amazon web site issue-with-vendor process, describing all the above and asking that they give me a full refund. No response after a week.
e) Filed an Amazon A-to-Z Guarantee claim against Assurant for remainder of my purchase price. Got rest of refund from Assurant within a few days of this filing, so Amazon closed out the case.
Don't let it be said that Assurant doesn't make you work for your money back! :)