I want to share a costly, frustrating lesson with the Rivian community so nobody else makes the same mistake I did.

Last month, I purchased the Rivian Care vehicle protection plan administered by Assurant (Contract #CC311A57516D) for my 2022 Rivian R1T, paying a monthly installment of ~$167 ($2,000 annually). It felt like smart peace of mind for a vehicle approaching high mileage.

Fast forward to this week: I brought my R1T into the Rivian Service Center with 78k miles because the alignment was out. Because the truck was nearing 80,000 miles, the service center performed their standard comprehensive inspection. During that inspection, they discovered hidden mechanical issues—specifically, bent suspension arms and a rear compartment leak—totaling $4,500 in repairs. I have a $500 deductible and obilgated to pay $2000 now for nothing.

Here is how Assurant completely handled the claim:

• Immediate Denial: Assurant flat-out denied coverage.
• The 'Pre-Existing' Trap: They sent an independent adjuster who arbitrarily labeled the damage a 'prior/pre-existing condition' solely because it was uncovered during an internal service inspection.

Think about how predatory this is: You buy an insurance contract to cover mechanical breakdowns, but the moment a service center actually inspects your vehicle and finds hidden wear, the insurer weaponizes that inspection to claim it was 'pre-existing' before day one. They take your money every month, but the second you actually need them to cover a real-world repair, they claim they don't cover anything.

To make matters worse, I just purchased a brand-new 2027 Rivian R2, showing deep commitment to this brand. But partnering with an insurance administrator that rolls out non-covering antics and takes money for absolute nothing is a massive red flag.

My advice: Do NOT buy Rivian Care through Assurant. Cancel your contracts if you have them, stop throwing your money away every month, and put your repair fund into a high-yield savings account instead." or Pay double!