Assurant Reviews 

2,390
TrustScore 1.5 out of 5

1.6

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Review summary

Created with AI, based on recent reviews

Evaluating 258 reviews, most reviewers were let down by their experience overall. Many customers reported extremely poor customer service, describing it as unhelpful, unresponsive, and difficult to reach, with promises of callbacks often unfulfilled. People frequently faced issues with their claims, including rejections for unclear reasons, prolonged delays, and a lack of transparency in the process. Reviewers also expressed significant dissatisfaction with product repairs and replacements, citing the use of non-genuine parts, poor quality replacements, and devices returned with new or unresolved faults. Some people were dissatisfied with the warranty process, finding it complicated and designed to deny claims, with inconsistent information provided by different representatives. However, some customers also noted positive experiences, with claims being processed quickly, replacement devices arriving in perfect condition, and helpful interactions with specific customer service agents.

What people talk about most

Claim

Customers express significant dissatisfaction with the claim process, frequently reporting that claims are... See more

Product

Consumers find product quality to be a significant source of dissatisfaction, often receiving replacements or... See more

Service

Reviewers express widespread dissatisfaction with the service, citing issues such as faulty repairs, hidden... See more

Customer service

Users describe negative interactions with customer service, with many reviewers reporting that the service is... See more

Warranty

Reviewers highlight negative aspects of warranty, with many expressing dissatisfaction and frustration over... See more

Reviews shaping this summary

Rated 2 out of 5 stars

Customer service and care is arguably one of the worst I've received. They do not care about you. My recommendation would be look elsewhere. They will actively make it as difficult as possible for yo... See more

Company replied

Rated 1 out of 5 stars

I’m sad I can’t give a negative rating. Appalling service. Forced me to send my phone in. Claimed I never sent it. 4 weeks without a phone and about to embark on an ombudsman investigation. F... See more

Company replied

Rated 1 out of 5 stars

Absolutely appalling customer service at assurant. Accepted my claim 8th May, took my excess & allege to have not received my phone despite DPD tracking saying they did! I’m out of pocket by £1400 for... See more

Company replied

Rated 1 out of 5 stars

This company will replace your screen with off brand very poor quality parts, the screen is very poor quality and is nothing the same to the original screen on my iPhone 15 pro max. I filed a complain... See more

Company replied


Company details

  1. Insurance Company

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1.6

Bad

TrustScore 1.5 out of 5

2K reviews

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No recent history of asking for reviews

This company hasn't invited customers recently, so reviews may not be representative

Replied to 99% of negative reviews

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1.6

All reviews

(2,390)

252 reviews in the last 12 months

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Rated 1 out of 5 stars

We have our mobile/gadget insurance with Virgin

We have our mobile insurance with our Virgin account. My husband accidentally closed the car boot on his phone leaving it slightly bent, as it was a new phone decided to get it fixed. Phone came back quickly but with fault of fussy sound when speaking to someone… fast forward, assurant ‘fixed’ it and it was still not working… told to go to Apple Store for diagnosis test! Yep.. sound board faulty!?! Eventually had someone who sent a replacement phone! Fast forward again May, I pad suddenly stopped charging… sent off returned exactly the same problems!!?! Are you honestly telling me that tests were done on an I pad that won’t charge or turn on!?! Am sending it back again… i have a disable adult son with me all day… I now have to drag him out again in the rain to send this parcel… I’m sorry this is not acceptable! I thought we as a family were just unlucky… wrong it appears it’s the norm!!!!

13 May 2026
Unprompted review
Assurant logo

Reply from Assurant

Thank you for taking the time to share your experience. We’re very sorry to hear about the issues you’ve encountered and understand how frustrating this must be, particularly given the inconvenience caused and your personal circumstances.

We aim to provide a quick and reliable repair service, so it’s disappointing to hear that the issues you reported with both your phone and iPad do not appear to have been resolved first time. This is not the standard of service we expect our customers to receive. All devices are subject to testing before being returned, however we recognise that in some cases faults can persist or reoccur, and we sincerely apologise for the disruption this has caused.

We are pleased to hear that a replacement handset was ultimately provided for your phone, although we appreciate this followed a frustrating experience. In relation to your iPad, we understand your concerns and the inconvenience of having to return the device again. We would encourage you to continue working with our team so we can ensure this is fully resolved as quickly as possible.

We also want to acknowledge the additional difficulty this situation has created for you, and we are sorry for the impact this has had on your day-to-day responsibilities. Your feedback is important, and we will be reviewing this internally to identify where improvements can be made.

Please continue to liaise with our support or complaints team so we can focus on resolving your current repair as a priority, however to make sure these concerns are with our team, please can you respond to our message.

Rated 1 out of 5 stars

Very poor repair quality and handling…

Very poor repair quality and handling of my iPhone 14 Pro claim.

After a repair, my original OLED screen was replaced with an inferior LCD display. The screen is noticeably dull, has light bleed on black backgrounds, and has already developed screen burn despite limited use. Even worse, the screen is poorly fitted, with uneven gaps around the frame and parts touching the metal edge, increasing the risk of cracking. An iPhone 11 Pro with its original screen looks noticeably better.

The camera was also replaced but repeatedly fails with a “finish configuration” error. Apple confirmed this indicates incorrect configuration and may affect image quality.

I sent the phone back to the insurer, who claimed a 100+ point assessment found no issues. However, an Apple Authorised Repair Centre identified multiple serious faults within 20 minutes and recommended further repairs costing £349 for the screen and £195 for the camera.

Since the repair, battery life has worsened significantly and the phone has powered off unexpectedly — issues that never existed before.

To make matters worse, I have raised a formal complaint and have received zero communication in response — not even an acknowledgement to confirm the complaint was received.

Overall, the device was returned in a worse condition than before the claim, using sub‑standard parts, poor workmanship, and followed by unacceptable customer service. I would not recommend this repair service for premium devices.

5 May 2026
Unprompted review
Assurant logo

Reply from Assurant

Thank you for taking the time to share your feedback. We’re sorry to hear that you’re unhappy with your experience and appreciate the opportunity to respond to the concerns you’ve raised.

We take all feedback seriously and would like to reassure you that your device was repaired in line with our policy terms and through an approved repair process. All repairs are completed either by, or in partnership with, Apple Authorised Service Providers, and any parts used are required to meet strict quality and performance standards. This ensures that devices are returned in a fully functional and reliable condition.

Following your repair, your device underwent a comprehensive quality assessment prior to being returned to you. Based on this assessment, no faults impacting the functionality of the handset were identified. While you have highlighted concerns regarding the display, camera performance, and battery behaviour, we have not identified evidence that these issues represent faults caused by the repair itself. In particular, notifications such as “finish configuration” messages can occur where devices require additional software configuration or updates and do not necessarily indicate a hardware fault.

We also note your comments regarding the use of parts. Under the terms and conditions of your policy, repairs may involve the use of non-branded parts where appropriate. However, all such parts must meet required quality standards, and their use does not compromise the overall functionality or integrity of the device.

We are sorry to hear that you feel communication has fallen short. This is not the level of service we aim to provide, and we will review this aspect of your experience internally to ensure improvements are made where necessary.

If you are still experiencing issues with your device, we would encourage you to respond to our message.

Rated 1 out of 5 stars

spent £3k on their top level car…

spent £3k on their top level car warranty, pretty much covers nothing

To clarify, the engine, mounts / fixings (including engine mounts) , electrical, hvac, and hydraulics, any trims, stereo are some of the items not covered.

12 May 2026
Unprompted review
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Reply from Assurant

Thank you for taking the time to share your feedback. We’re sorry to hear that you feel disappointed with your warranty cover.

Our policies are designed to provide protection against specific types of mechanical and electrical breakdown, and full details of what is and isn’t covered are outlined in the terms and conditions provided at the point of purchase. As with all warranties, there are certain exclusions and conditions which determine what can be claimed for.

We understand that this can sometimes be frustrating, particularly if an issue falls outside of the policy coverage. We would welcome the opportunity to review your experience in more detail and ensure that everything has been handled correctly.

Please don’t hesitate to respond to our message so we can make sure this is passed to the right team.

Rated 5 out of 5 stars

Claimed via my bank's acccount…

Claimed via my bank's acccount insurance benefit, smooth transaction, got a new phone 3 days later.
Updates about my claim status were sent timely, no issues at all. Very happy customer .

9 May 2026
Unprompted review
Rated 1 out of 5 stars

Disappointing

What a surprise! You submit a phone with a defective screen for recycling, accept their cash offer, then when they receive it they say it's non-functioning and offer you nothing! Of course it's non-functioning it has a defective screen. Pretty underhand and wouldn't use them again. NB - in response to Asurant comment, the phone did power up when submitted via your online portal. It was merely the screen that pixelated periodically.

9 May 2026
Unprompted review
Assurant logo

Reply from Assurant

We’re sorry to hear you were disappointed, and we understand how frustrating this must have felt.

When a device is submitted with a declared faulty screen, we factor that into the initial estimate. However, once the phone arrives, it still needs to power on and function beyond the display (for example, responding when connected to diagnostic tools). If the device is found to be completely non‑functional and unable to power on or be tested at all, unfortunately we’re unable to offer a recycling value.

We appreciate how this can feel unexpected, and it’s never our intention to be underhand. Our terms do explain that all offers are subject to physical inspection and functionality checks once received.

If you’d like us to review the assessment or discuss returning the device to you, please respond to our message so we can make sure this is passed to the right team.

Thank you for taking the time to leave your feedback, it genuinely helps us improve how clearly we communicate our process.

Rated 5 out of 5 stars

Assurant Exceeded My Expectations From Start to Finish.

My Claim Number: 56056628
“After reading many customer reviews online, I was honestly concerned and unsure about what to expect. However, my personal experience with Lloyds Bank /Assurant was completely the opposite. The entire replacement process was smooth, efficient, and stress-free from start to finish. Everything was handled professionally, and the delivery was seamless with no delays. My replacement device arrived perfectly packaged and brand new. Because of my experience, I was genuinely surprised by the amount of negative feedback I had seen beforehand. Assurant delivered exactly as promised, and I couldn’t be happier with the service provided.

7 May 2026
Unprompted review
Rated 1 out of 5 stars

A shambles I had to send the phone to…

A shambles I had to send the phone to them and pay which cost £10 and on receipt of my so called repaired phone it wouldn’t even work so I have had to send back and have logged a complaint but they are not interested and state the phone worked when it left them. I will be going to the Financial
Ombudsman. Had other insurances which have always been first class so I will
Be cancelling my policy.

7 May 2026
Unprompted review
Assurant logo

Reply from Assurant

We’re very sorry to hear about your experience and understand how frustrating this must have been, particularly after paying to send the device and then finding it wasn’t working on return.

All repaired devices are tested before dispatch, and our records show the phone was functioning when it left our repair centre. However, we fully recognise that faults can sometimes reoccur or develop during transit, and we understand how disappointing that is for you.

We’re concerned to hear that you feel your complaint hasn’t been taken seriously. That is not the level of service we aim to provide. Any formal complaint should be reviewed in line with our complaints process, and customers are always entitled to escalate to the Financial Ombudsman Service if they remain unhappy with the outcome.

We’re sorry that this experience has led you to consider cancelling your policy, and we genuinely regret the stress it’s caused. If you’d like us to review the complaint handling or confirm the next steps available to you, please respond to our message.

Thank you for taking the time to leave your feedback, it helps us identify where we need to improve.

Rated 1 out of 5 stars

Not recommended Assurant (Expect 23% of your repair fee back)

Further to my Trustpilot review on 7th April 2026 (my reference number 280699020426), I rang Assurant and they confirmed I will receive £89.63, which is 23% of the fee I paid to Evans Halshaw Vauxhall Leeds on Gelder Road.

After my complaint, Assurant issued the final investigation letter on 2nd Apr and they quoted the following from T&C. This is right, but these will cause you problems and more hassle:

Labour Rate Term: “In giving authorisation for Maintenance or repairs, we will assess repair times in line with Autodata (or equivalent industry standard) recommended repair or service times and hourly labour rates at a maximum of £55 per hour.”

Parts Term: “The Administrator may authorise Maintenance or repairs immediately; call for other estimates; nominate another repairer; investigate the Maintenance or repair request further; insist on the use of factor or pattern parts; exchange or remanufactured units; or appoint an independent assessor to inspect the vehicle.

However, I rang Assurant on 7th Apr, the lady politely explained that they generally used two standards for price comparisons, but they seek the advice from the dealer, which is Evans Halshaw Vauxhall.

I rang Evans Halshaw Vauxhall Leeds, they explained these are the standard hours for this work and they don’t use non-genuine parts, which cause problems.

My recommendation: If you want more than 23% of your repair fee back and fix your car properly, you know what to do.

1 April 2026
Unprompted review
Assurant logo

Reply from Assurant

Thank you for taking the time to share your experience and for providing detailed feedback.

We’re sorry to hear that you’re disappointed with the outcome of your claim. As outlined in our final response, all claims are assessed in line with the terms and conditions of the policy, including labour times based on recognised industry standards (such as Autodata) and a maximum hourly labour rate. These assessments can differ from a main dealer’s internal pricing structure and labour allocation.

In addition, the policy allows for the use of factor, pattern, refurbished, or remanufactured parts where appropriate. While we appreciate that some dealerships choose to use genuine parts only, this can result in costs that fall outside the scope of cover under the warranty.

We understand how this can feel frustrating when repair invoices are higher than the policy limits, and we recognise that this may lead to a contribution being required from the customer. Our aim is always to assess claims fairly, consistently, and in accordance with the cover purchased.

Thank you again for your feedback, which we will share internally to help improve how we explain policy coverage and expectations at the point of claim, if you wish for this to be reviewed further or require any further details, please do not hesitate to contact our Customer Relations Team.

Rated 1 out of 5 stars

Very unprofessional and rude customer…

Very unprofessional and rude customer service and they are making their own theories to reject the claims stay away from assurant they are stupid 😡

30 April 2026
Unprompted review
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Reply from Assurant

We’re sorry to hear that you feel unhappy with your experience and appreciate you sharing your feedback.

We aim to provide a professional and respectful service at all times, and we’re disappointed to learn that this wasn’t how your interaction was perceived. Claims are assessed based on the terms and conditions of the policy, and decisions are made using the information available to us at the time—not on assumptions or personal judgement.

We understand how frustrating it can be when a claim doesn’t progress as expected, and we would welcome the opportunity to review your concerns further. If you’re willing, please respond to our message so we can look into this further on your behalf.

Thank you for taking the time to leave a review.

Rated 5 out of 5 stars

Spoke to Melanie today 10/10

Spoke to Melanie today, she was absolutely fantastic!!! Had an issue where I didn't have proof of payment on a previous replaced phone and she when above and beyond and got the claim submitted for me, she was gentle, kind and honestly God bless her

5 May 2026
Unprompted review
Rated 1 out of 5 stars

Do not repair the phone properly

I am extremely disappointed with the service I have received from Assurant Mobile Phone Insurance.

I first made a claim in January, and since then my iPhone has been sent in for repair five separate times. Despite this, the device has still not been restored to a satisfactory or manufacturer-standard condition. On more than one occasion, I was required to pay the excess fee—even when the repair was clearly not completed properly.

In one instance, the phone was returned without being correctly sealed, which resulted in condensation forming inside the camera lenses. This is a basic quality issue that should never occur following a professional repair. Even now, after being told the phone has been “repaired,” there is still clearly visible condensation in the front camera.

I have now been without a properly functioning phone for several weeks, which has caused significant inconvenience. While I acknowledge that repairs are processed relatively quickly, the lack of proper workmanship completely undermines the purpose of having insurance in the first place.

At this stage, I have lost confidence in your ability to repair the device to an acceptable standard. I would expect a more appropriate resolution, whether that be a full replacement device or a permanent fix carried out to manufacturer specifications, without any further charges.

I hope this matter can be resolved promptly and fairly.

28 April 2026
Unprompted review
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Reply from Assurant

We’re really sorry to hear about your experience and understand how frustrating it must be to have your device returned multiple times without meeting your expectations.

We aim for all repairs to be completed to a high standard and for devices to be thoroughly quality‑checked before being returned. We recognise how inconvenient it is to be without a fully functioning phone, particularly where further issues are identified following a repair. While repairs are intended to resolve the reported fault, we appreciate your concerns around workmanship and the impact this has had on your confidence in the process.

We’d like the opportunity to look into this further and review what’s happened in your case, including the repair history and the concerns you’ve raised. Our team can reassess the situation and discuss the most appropriate next steps with you directly.

Please can you respond to our message so we can make sure this is passed to the right team.

Rated 1 out of 5 stars

I had a really frustrating experience…

I had a really frustrating experience with Assurant UK when making a claim for my lost iPhone 17 Pro. What should have been a straightforward process dragged on for nearly two weeks, with very little communication or clarity along the way. To make matters worse, the way my claim was handled felt less like customer support and more like an interrogation. I understand checks are necessary, but the constant questioning and tone made me feel like I was being treated with suspicion rather than as a genuine customer.

I constantly had to chase for updates, which only added to the stress and inconvenience. Now that the phone claim has finally been resolved, I’ve been told I still have to wait even longer for the accessories claim to be processed and I’m still awaiting any meaningful update on that. It feels unnecessarily slow and poorly coordinated, as if each part of the claim is handled in isolation rather than as a single case.

I’ve used Assurant in the past without issue, but something clearly seems to have changed. Looking at recent reviews online, my experience doesn’t appear to be an isolated one. It gives the impression that customer satisfaction is no longer a priority, which is disappointing for a service that’s supposed to provide peace of mind.

Overall, the lack of efficiency, poor communication, and uncomfortable claims experience have been very disappointing. When you’re paying for insurance, you expect a smoother and more supportive process especially for something as common as a lost phone. Unfortunately, this has been far from that.

6 April 2026
Unprompted review
Assurant logo

Reply from Assurant

We’re sorry to hear about your experience and appreciate you taking the time to provide such detailed feedback. We understand how stressful it can be to make a claim for a lost device and are disappointed to learn that the process felt slow, unclear, and unsupportive for you.

Claims do require a series of checks to help protect customers and ensure policy terms are met; however, this should always be handled with clear communication and a respectful, supportive approach. We’re sorry if the tone or repeated questions made you feel uncomfortable or as though you were being treated with suspicion.

We also appreciate your feedback around communication and coordination, particularly where different parts of a claim are handled separately. We understand how frustrating it can be to have to chase for updates or feel that progress is fragmented, and we regret that this added to your experience.

Your comments have been noted and will be shared internally, as feedback like this is important in helping us identify where improvements can be made. If you’re still awaiting an update on your accessories claim or would like your experience reviewed further, we’d encourage you to contact us directly with your claim details, further to this, please respond to our message so we can ensure this is escalated to the right team.

Rated 5 out of 5 stars

This is the first time I've broken my…

This was my first time dealing with a broken the large foldable screen phone, but thankfully my insurance covered from Lloyds Bank it and I got a new one super fast. I really appreciate how quick your service was - I got a replacement Samsung Fold 7 within a week! My only small issue is that the color of the new phone is different from my old one, and I wasn't asked about it first. But I'm sure I'll get used to it. Thanks again for your help!🙏🙏🙏

26 April 2026
Unprompted review
Rated 1 out of 5 stars

Horrendous - Cancelling my virgin account

Horrendous, delayed my mobile phone claim by a week asking for all sorts of nonsense, sent me the wrong colour with chips on it, older than me existing with a slip in the package saying they gave me a better spec phone as they didnt have mine in...... which they didnt, they just gave me a disgusting colour.

22 April 2026
Unprompted review
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Reply from Assurant

We’re really sorry to hear about your experience and understand how frustrating this must have been.

Any request for information during a claim is to ensure we can correctly assess and validate it, but we appreciate this can feel like a delay from your perspective. Regarding the replacement device, where an exact match is unavailable, a like‑for‑like or upgraded specification may be provided instead. We’re sorry that the colour and condition of the device you received did not meet your expectations, as replacements should be thoroughly quality‑checked before dispatch.

We’d welcome the opportunity to look into this further and address your concerns properly. Please respond to our message so we can review this further.

Rated 1 out of 5 stars

Lazy workers

I've used them before. But what is going on!. Paid for a mobile insurance claim. They haven't emailed me the next Steps I clouding the form. Called today and I get a disinterested worker who says "the person who deals with sending emails will do it today" seriously WTF is this. We're well into the afternoon I've paid my excess and you are delaying my repair. What's wrong with you guys

23 April 2026
Unprompted review
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Reply from Assurant

We’re really sorry to hear how frustrating this experience has been, particularly after you’ve already paid your excess.

Once a claim is registered, next steps are normally issued by email as quickly as possible, but we appreciate that any delay or lack of clear communication can feel unacceptable, especially when you’re waiting for a repair. We’re also disappointed to hear that your recent contact didn’t leave you feeling reassured or supported, that’s not the level of service we aim to provide.

We’d like the opportunity to review what’s happened, confirm the status of your claim, and ensure you have the correct next steps without any further delay. Please respond to our message so we can make sure this is passed to the right team.

Rated 1 out of 5 stars

I reported my phone as lost and sent…

I reported my phone as lost and sent all the required documents by email. Since then, I haven’t heard back. I’ve also tried calling a few times, but I haven’t really been able to get any clear information or help. Claim no: 56048910. I send all the documents Tuesday, still no response. Just I call the customer service they didn’t help me too.they says just wait to the email. It should not be that much hard.

20 April 2026
Unprompted review
Assurant logo

Reply from Assurant

Thank you for bringing this to our attention. We’re sorry to hear about the lack of communication you’ve experienced after submitting your lost phone claim — we appreciate how concerning this can be when you’re waiting for an update.

Once a claim is registered, it’s important that all required documentation is reviewed before we can progress to the next stage. That said, we recognise how important clear and timely updates are, and we’re sorry if this hasn’t been your experience.

For data protection reasons, we’re unable to discuss claim details publicly. However, we’d like to look into this for you. Please respond to our message so we can make sure this is passed to the right team.

Rated 1 out of 5 stars

This compnay is a complete joke

This compnay is a complete joke! after 8 months of over and back and a complete breakdown of communication on their end, I was told I would get a £2,000 claim paid.. this was on January 5th.. today is April 21st and I havent received any payment or replies to any of my emials over the last few months.

Currently sitting at 1.6 stars, this is the lowest I've ever seen on Trustpilot. complete joke of a company

Update: I've sent you the detaisl on top of more emils but this comany wants nothing to do it!! absolute joke!!

21 April 2026
Unprompted review
Assurant logo

Reply from Assurant

Thank you for taking the time to share your feedback. We’re very sorry to hear how frustrated you feel and that you’ve experienced delays and a lack of communication, we appreciate how disappointing this must be, particularly where a payment has been expected for some time.

We’d like the opportunity to look into the status of the claim and any outstanding correspondence to understand what’s happened and ensure this is reviewed appropriately. If you’re willing, please respond to our message so we can ensure this is escalated to the right team.

Rated 1 out of 5 stars

I had a very disappointing experience…

I had a very disappointing experience with Assurant while making a phone insurance claim.

Despite explaining multiple times that my device was a genuine gift from a friend, I was repeatedly asked to provide proof of purchase, which I clearly stated I do not have. It felt like I was being asked the same questions over and over again without any consideration of my situation.

The whole process became unnecessarily stressful and frustrating, with excessive documentation requests and no flexibility for genuine cases like mine.

Because of this experience, I decided to withdraw my claim and cancel my Ultimate Reward account.

I would not recommend this service based on my experience. I hope they improve their customer support and handle cases more reasonably in the future.

21 April 2026
Unprompted review
Assurant logo

Reply from Assurant

Thank you for sharing your experience. We’re sorry to hear how disappointing and frustrating you found the claims process, and we appreciate you taking the time to explain your concerns.

Proof of purchase is a standard requirement under the policy, as it allows us to validate ownership and eligibility for cover. We understand this can be difficult in situations where a device has been received as a gift, and we regret that this caused additional stress or repetition during your claim.

We’re sorry that this ultimately led to you withdrawing your claim and cancelling your account. Your feedback has been noted and will be shared internally as part of our ongoing efforts to improve how we support customers in complex situations, if you would be happy to, please respond to our message so we can ensure this is reviewed.

Rated 1 out of 5 stars

Worst experience ever .

Worst experience ever ..
i am gonna leave nationwide bank’s insurance

20 April 2026
Unprompted review
Assurant logo

Reply from Assurant

Thank you for sharing your feedback. We’re sorry to hear that your experience has left you feeling this way. If you’re willing, we’d like the opportunity to understand what went wrong and review your concerns further. Please respond to our message so we can look into this further on your behalf.

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