Repair Ventures
reviews and complaints

Dear Sir or Madam:
This letter is in response to thecomplaint submitted by ***, BBB Case #***. Please be advised, Olive sells mechanical breakdowninsurance to consumers for their automobiles.
Our records indicate that on July26, 2021, *** purchased a mechanical breakdown insurance policy (MBIpolicy) from Olive for his 2017 *** F-150. At the time of sale, a downpayment of $36.10 was collected from *** by Olive.
Furthermore, our records indicatethat *** contacted Olive by phone on August 19, 2021 to requestcancellation of coverage. At that time, Olive requested *** email hiscancellation request to *** inorder for Olive to proceed with cancellation and issue the appropriate refund.On August 20, 2021, Olive emailed *** as a follow up to confirm hiscancellation request.
On August 27, 2021, *** Olive to inquire about his cancellation request and request a refundof the August 26, 2021 monthly payment of $36.10. At this time, *** Olive that he sent a cancellation email on August 19, *** addition, *** forwarded to Olive his initialcancellation request that day. Olive immediately completed cancellation of Mr.Abdallahs MBI policy and issued a full refund of his down payment and firstmonthly payment in the amount of $36.10 each for a total refund of $72.20.Olive confirmed cancellation and refund amount issued with *** byphone that day.
After further review, Oliveexperienced a technical issue regarding *** initial email sent onAugust 19, 2021. We appreciate *** contacting our office directly onAugust 27, 2021 to resolve his concerns. Olive is working diligently to correctthis technical issue to prevent any other delays regarding cancellation andrefund requests.
Olive strives to provide eachcustomer with the best customer service experience by processing all inquiriesand requests in a timely fashion and to the best of our ability.
Should you have any questionsconcerning the above, or if we can be of further assistance, please do nothesitate to contact us at ***.
Sincerely,
The Olive Team

Dear Sir or Madam:
This letter is in response to the complaint submitted by ***, BBB Case #***. Please be advised, Olive sells mechanical breakdown insurance to consumers for their automobiles. Please note that Olive is not the coverage administrator of the mechanical breakdown insurance and does not therefore review, *** or deny claims.
It is our understanding from the coverage administrator QBE *** (QBE), the company that has the contractual obligation to adjudicate and pay valid claims under the terms of the mechanical breakdown insurance policy, that the claim was not denied. The information herein regarding the status of the claim is incorrect.
QBE required further diagnosis by the repair facility to properly adjudicate Mr. claim. The repair facility needed approval from *** to perform this additional work to move forward with the claim process.
It is our understanding from QBE that Mr. claim has been approved for the head gasket as of December 2, 2021.
If *** would like to follow up on his claim, please contact the coverage administrator, QBE, directly at *** should he have any further questions or concerns.
Sincerely,
Olive

Dear Sir or Madam:
This letter is in response to the complaint submitted by repair facility representative, *** on behalf of ***, BBB Case #***. Please be advised, Olive sells mechanical breakdown coverage to consumers for their automobiles.
Please note that Olive is not the coverage administrator of the mechanical breakdown coverage and does not therefore review, *** or deny claims.
It is our understanding from the coverage administrator QBE *** (QBE), the company that has the contractual obligation to adjudicate and pay valid claims under the terms of the mechanical breakdown coverage, that it contacted *** repair facility representative,***, regarding the concerns mentioned herein and an agreement had been reached.
Additionally, an Olive representative contacted *** to confirm this matter was resolved. *** stated he was satisfied with the resolution and would withdraw this complaint.
If *** or *** would like to follow up on this claim, please contact QBE directly at *** should they have any further questions or concerns.
Sincerely,
The Olive Team

Dear Sir or Madam:
This letter is in response to the complaint submitted by ***, BBB Case # ***. Please be advised,Olive sells mechanical breakdown insurance to consumers for their automobiles.
On June 28, 2021 prior to coverage being purchased, an Olive representative reviewed the coverage options with *** thoroughly, including the olive *** coverage. Later that day, *** contacted Olive and the Olive representative read verbatim what is excluded from the policy, the exclusions in the terms & conditions, which *** later purchased. On this date,*** provided his exact mileage as 112,311.
*** purchased a mechanical breakdown insurance policy specifically the *** policy (*** Policy) from Olive on September 20, 2021. Also, at the time of purchase, *** provided his mileage as *** which is a 221 miles difference from June 28, 2021.
Please note that Olive is not the coverage administrator of the *** Policy and does not therefore review, grant,or deny claims, or have any role with respect to the payment of claims.
During both sales calls, *** was asked if there were issues with his vehicle. *** response was a clear no, there are no issues with my car. Additionally, *** was very thorough in his questions and was concerned about working with dealerships and how to go about filing a claim and the process. *** was informed he could contact Olive for assistance getting connected with Claims prior to filing a claim. At no time did *** discuss the catalytic converter with his Olive sales representative as mentioned herein.
On October 7, 2021, *** contacted Olive and was transferred to the Claims phone number for assistance.
It is our understanding from the coverage administrator QBE *** (QBE), the company that has the contractual obligation to adjudicate and pay valid claims under the terms of the *** Policy, that the claim was denied due to a pre-existing condition.
According to QBE:
On October 10, 2021, QBE warned *** about pre-existing conditions and requested his repair facility call to submit information for the claim. QBE was informed that the repair facility replaced the catalytic converters, but problems still existed. *** repair facility reported that the vehicle was brought into them on September 24, 2021, 4 days after the *** Policy purchase date, and the vehicle had a mileage of *** miles which is a difference of negative 19 miles from mileage provided at the time of purchase.The repair facility reported three concerns (1) check engine light is on, (2)intermittent radio operation, and (3) vehicle is consuming a quart of oil per week. As the vehicle is consuming a quart of oil per week, this is a sign of a pre-existing condition. QBE also warned the repair facility about pre-existing conditions being excluded from coverage and informed repair facility that they would have to show an immediate failure of parts that would have occurred from the time the *** Policy was purchased. The repair facility was to obtain *** authorization for further diagnosis and have *** contact QBE.
That same day, *** contacted QBE. QBE inquired about the mileage discrepancies at the time of purchase and how many miles hed driven since purchase of *** Policy. *** stated that the start mileage provided to Olive was a guess.QBE inquired how many miles *** had driven since he purchased the *** Policy, and he informed the claims adjuster that he had driven 0 miles before the problem started and the only mileage driven was after the vehicle started cutting out. Then, *** took it to the repair facility. *** was informed on this call that pre-existing conditions are not covered.
The following day, the repair facility called QBE and reported that the vehicle does have a newer catalytic converter installed but it had been installed for a while. QBE asked the repair facility for any proof that can show an immediate failure. The repair facility said they would investigate. The repair facility later provided an incomplete freeze frame printout showing the vehicle had traveled zero miles and that the freeze frame data currently stored shows an active oxygen sensor code. However, the system also showed that this code had previously been reset prior to the current code which again is an indication of a pre-existing issue.
On October 12, 2021, QBE informed the repair facility that claim was denied due to pre-existing conditions.
Subsequently, *** verbally requested Olive cancel his *** Policy on October 15, 2021. That day, Olive proceeded with *** cancellation request of the *** Policy. Later, on November 1, 2021,Olive received *** written cancellation notice via email. An Olive representative left *** a voicemail confirming the *** policy was cancelled.
If you would like to follow up on the denial of the claim, please contact QBE directly at *** should *** have any further questions or concerns.
Sincerely,
The Olive Team