We too purchased the warranty with a full refund if never used. After calls to our dealer we found out that we were on our own. Because Signet is based in California we filed a complaint with the CA Attorny General's office and the CA Insurance Commissioner. You can do this online. From the CA Secretary of State website we have found out that Signet's business is still active and they are represented by the James C. Kuppenbender law firm in Sacramento, CA. read full review »