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The Best Canadian Car Warranties

The 6 Best Canadian Car Warranties

Where is the Best Place to Get a Car Warranty Plan in Canada?

If you're buying a new car, you might be offered an extended warranty plan that kicks in after the factory warranty expires. Or, if you're purchasing a pre-owned vehicle, an extended warranty may be your smartest financial move to help offset the cost of repairs that you know will be necessary sooner or later.

Are they worth the money? Absolutely! We all know the frustration of having something major go wrong right when the manufacturer's coverage expires - or, worse, just a few days after driving that "as-is" car off the used car lot! However, buying your extended warranty directly from the dealer is often not the best option: they charge high mark-ups and might not offer the most comprehensive coverage or the widest network of mechanics to choose from. Fortunately, there are several reputable auto warranty companies in Canada that provide excellent coverage at competitive prices.

Saturday, June 19th

2021 Canadian Car Warranty Reviews

Ensurall Review Top Consumer Reviews Best-In-Class Blue Ribbon Award 5 Star Rating

Ensurall

5 Star Rating Top Consumer Reviews Best-In-Class Blue Ribbon Award

As one of Canada's longest-standing providers of car warranty plans, Ensurall should be the first place you get a quote for your vehicle's coverage. All three of their packages include car rental allowance and trip interruption benefits, and you can have your car serviced at the mechanic of your choice. Although their warranties are not available in British Columbia, Alberta or Saskatchewan, for Canadians living in every other territory and province, an Ensurall auto warranty is a great way to protect against expensive, unexpected car repairs.

Obvi Review 4.5 Star Rating

Obvi

4.5 Star Rating

Obvi covers vehicles in British Columbia, Alberta, Saskatchewan and Manitoba up to 10 years old and under 200,000 km. You'll find that their two car warranty plans are some of the most affordable on the market, while providing genuinely comprehensive coverage. You can get a quote emailed to you almost instantly. While Obvi will need to expand its coverage area to more territories and provinces to reach higher in our rankings, this is our preferred provider of auto warranty coverage in the provinces where Obvi is available.

GuardTree Review 4 Star Rating

GuardTree

4 Star Rating

Monthly premiums instead of a big one-time payment? Carbon offsets with every payment? You can get all of this and more with GuardTree - as long as you live in Ontario (for now). Started in late 2020, this car warranty provider shows promise and will likely become one of the best options on the market, once it's available throughout more of Canada. You'll want to keep an eye on GuardTree, especially if you use your car for ridesharing or meal delivery.

AutoPair Warranty Review 3.5 Star Rating

AutoPair Warranty

3.5 Star Rating

AutoPair is one of the newest car warranty companies in Canada. They have three plans to choose from, all of which include towing and car rental. You can use any mechanic you like, and you won't pay a deductible on claims. But, because they accept all makes, models and years of vehicles, AutoPair has a 30-day waiting period once your warranty begins. This company shows great potential as they continue offering coverage, but they're not quite up to par with our top-ranked auto warranty providers yet.

CarShield Review 2 Star Rating

CarShield

2 Star Rating

CarShield has offered car warranty plans in the US and Canada for over 15 years. Both of the plans they provide in Canada include towing and rental car reimbursement, but you'll have to speak with a company representative to get a quote specific to your vehicle. While some customers have had good experiences with CarShield, thousands more have not; many people say that this company will do everything possible to deny claims and refuse to cover repairs. There are better options for Canadians who need an auto warranty plan.

Global Warranty Review 2 Star Rating

Global Warranty

2 Star Rating

Global Warranty has been around for over 30 years, so you'd think they'd be a name to trust in the Canadian car warranty marketplace. Unfortunately, despite having a solid reputation with the BBB, this company doesn't live up to expectations: customer reviews say that getting claims covered is such a hassle that many of the mechanics in Global's preferred network have stopped accepting their claim work! You'll be better off with a different provider of auto warranties.

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Continued from above...

What's included in your extended warranty plan? That depends on the provider and the tier of service you select. Much like car insurance, these plans can cover just the major systems like the powertrain, or comprehensive bumper-to-bumper protection for everything but normal wear and tear. (In other words, they'll fix your in-dash electronics if they go out but they won't pay for your new brakes or tires.)

As you compare the different Canadian companies offering car warranty plans, how can you tell which one should get your business? Here are several factors to help you make your decision:

  • Price. What will you pay for your auto warranty coverage? Is it a one-time lump sum or a monthly payment? How long will you pay for it before it kicks in (i.e. if you're buying a new vehicle that has a manufacturer's warranty in place for a year or longer)?
  • Coverage. This is the most important aspect of any car warranty. Be sure you understand exactly what's covered and what isn't. Choose a plan that gives you the most coverage for what you can afford.
  • Service. What steps are required to get repairs made? Do you have to see an in-network mechanic or can you take your car to the repair shop of your choice? Will you pay for the repairs out-of-pocket and submit receipts for reimbursement, or will the warranty company pay the mechanic directly?
  • Reputation. What do other customers say about their experience with the car warranty? Are claims paid quickly and without a hassle? Does the provider have a good reputation with customers and mechanics alike?

TopConsumerReviews.com has reviewed and ranked the best choices for car warranty plans in Canada. We hope this information helps you choose the right plan for your vehicle, giving you the peace of mind that comes from knowing you're covered when something breaks!

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Canadian Car Warranty FAQ

There are lots of companies offering warranty coverage for your car. They work very similarly to health insurance: you'll pay more for higher coverage, some things are covered and some aren't, and your policy will have a time limit. You can shop around for auto warranty plans just like insurance, too: you don't have to go with the plans offered at the dealership.
That depends on your car and your coverage. On a new vehicle, you might pay $25/month for bumper-to-bumper coverage, but an older vehicle's premium could be three times that. You can usually pay in full or monthly, with no difference in total cost.
The cost of your auto warranty will never be cheaper than when your car is new. But, you'll want to read the terms of your plan very carefully. While warranty plans at the dealership usually start from the time the manufacturer's warranty runs out, third-party plans often start from the date you purchase them. That could mean you're paying twice for the same coverage.
Probably. Each provider sets the limit for coverage, but there are options for cars with up to 150,000 miles! Most auto warranty plans are available for cars that are 20 years old or newer.
YES! The most important part of choosing an auto warranty plan is knowing what's covered and what isn't! Even comprehensive plans don't cover items with normal wear-and-tear, like brake pads and tires. The most user-friendly plans usually give you a list of what isn't covered - and if it's not on that list, it's covered!
Sometimes, but it's usually limited to the first 30 days after the purchase date. Again, be sure to read the terms of your auto warranty plan very carefully, to avoid any unpleasant surprises when you go to use your policy for the first time.
Almost all plans let you use the mechanic of your choice. Some providers will reduce your deductible if you go to one of their network partners.
Despite all of the annoying spam phone calls you've gotten, desperately trying to contact you about the expiring warranty on your car, auto warranty plans are a real thing. And, when you choose a plan from a reputable provider, you can save thousands of dollars on car repairs.
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