Where is the best place to get a car warranty plan in Canada? Buying a car can sometimes feel like gambling. You're always wondering how long it will be until something goes wrong and the car needs a major repair. While you can't necessarily predict future events, many car buyers choose to purchase an additional extended car warranty to cover such expenses for a specified number of kilometres or model years.
Best Option
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Providing trustworthy extended car warranties for Canadians since 1978, Ensurall offers plans for used cars up to 10 model years, and it's easy to request a quote online. Claims are handled quickly and rental service is included, making it easy to get back to driving when your car needs a covered repair. With the best customer satisfaction reviews we've seen, Ensurall once again tops our list for the best extended auto warranties in Canada.
Great
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With zero-deductible plans covering what you need for your vehicle, Obvi protects drivers from unexpected repair costs throughout Canada. Clients choose their preferred mechanic for repairs, and Obvi works with them to get their vehicles back on the road quickly. This Canadian company has covered millions in claims since they began in 2017 and has a stellar reputation with the BBB and customers, earning them a spot near the top of our list. Depending on your location, Obvi may be the best plan for your car warranty.
Very Good
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Providing extended warranties for drivers throughout most of Canada, Autopair Warranty offers three plan levels for cars 10 years old or newer. Since 2018, they have offered zero-deductible coverage with no inspection required. However, their required waiting period for policies to take effect, combined with a lengthy claims approval process and mixed reviews, keeps Autopair Warranty from landing in one of our top two spots.
Good
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A-Protect Warranty Corporation supports Canadian car owners by featuring six types of extended warranty plans. The combination of low complaints reported and superb customer reviews makes their service stand out. However, by limiting the number of claims permitted on a warranty and requiring drivers to use their designated repair centres, the company ranks as just above average on our list.
Ontario residents may obtain an extended car warranty from GuardTree. Their unique monthly payment option makes it affordable, though prices can fluctuate. The company excludes many makes and models, though it's easy to get an online price quote. With a solid reputation but no customer reviews, GuardTree ranks as just average for us.
Fair
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With a monthly subscription model, olive provides something unique to the car warranty industry. The US-based company expanded into Canada in 2022, though Canadian drivers have kept quiet about their experiences with the company and not left many reviews. Most auto brands are covered and there is no waiting period or inspection required. However, despite boasting a 100% online experience, we were unable to request a quote from the company or learn anything about pricing on their plans or where they may be purchased, causing olive to slide down our list of the best warranties for Canadians.
Subpar
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Offered only through dealerships, Global Warranty has been protecting Canadian drivers and their vehicles for almost 40 years throughout all of Canada. Their five coverage levels can be customized for cars of any make, model, or year, but claims must be authorized by their approved repair centres. Customers complain about the service received, making Global Warranty a below average option when looking to protect your vehicle.
Poor
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For twenty years, CarShield has provided coverage for vehicles throughout North America. They may have a well-known actor promoting their warranties, but the US-based company doesn't cater to their Canadian clients, and it's difficult to tell which areas are covered. While they mention a money-back guarantee, it's without any details. Thousands of complaints to the BBB make us wary of this company, placing it at the bottom of our list of options for an extended warranty on your vehicle.
Continued from above...
Buying a car can sometimes feel like gambling. You're always wondering how long it will be until something goes wrong and the car needs a major repair. While you can't necessarily predict future events, many car buyers choose to purchase an additional extended car warranty to cover such expenses for a specified number of kilometres or model years.
When purchasing at a dealership, an extended warranty plan is often presented as something to consider. Did you know that you may qualify to get one even if you get your car from a private sale? Getting a car warranty could be a shrewd financial decision, depending on a number of factors, as purchasing a policy can help cushion you from major repair costs. The real question every driver needs to consider though is whether or not these policies are worth the financial investment. Many can be extremely pricey and list pages of exclusions. However, if you purchase from a reputable company, these extended warranties are absolutely worth the investment you'll make.
Did you know that you don't have to buy your extended car warranty from the dealership? Convenience aside, dealers can mark up their plans and often provide less coverage for more money. Savvy shopper that you are, you're going to check out independent companies that sell these plans so you can get one on your own.
Canada is home to several reputable auto warranty companies which provide complete coverage at great rates. Some companies are based in Canada while others simply service the country but are based elsewhere. One warranty company asserts that Canadians should consider consumer protection laws and be certain they are covered by a Canadian company in case of a dispute, though the choice is completely up to you.
Keep in mind that these plans can vary widely so you'll have to compare apples to apples when you look at prices. What repairs do you want to cover? Some people choose just the powertrain while others seek bumper-to-bumper protection. Electronic components will be included in many plans, but you're not going to get new brakes or other normal wear-and-tear items covered by a car warranty.
One thing you'll need to keep in mind with many car warranty plans is that you must maintain your car according to the manufacturer's schedule and be able to show a record of service from licensed repair facilities - meaning you can't change your own oil or brake pads if you want to qualify for coverage. In fact, some policies are voided if you work on your own car.
Also note that pre-existing conditions are not covered by most car warranty plans, even if you didn't know there was something wrong with your automobile. Some companies will require an inspection before they'll cover your car, while others suggest you have one done yourself.
There are many factors to consider when comparing extended auto warranty companies. Here are the top ones we keep at the forefront of our search:
At Top Consumer Reviews, we want to help you to be protected from costly repairs and unpleasant surprises. We've identified the most popular Canadian car warranty companies to review their services and rank them so you can choose the best option for your situation. It's our hope that this information allows you to keep driving smoothly once you encounter the inevitable breakdowns covered by your extended warranty.
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The Basics of Auto Warranties
Cars are expensive investments, whether you like to purchase new or pre-owned. In protecting that investment and to avoid future repair expenses on your car, you may want to consider purchasing an auto warranty.
Most new and some used cars are covered by some sort of warranty when purchased. For example, new cars are usually covered by a manufacturer's warranty. These warranties vary greatly and are limited in duration. They may cover a variety of repairs until either a time limit or mileage limit such as three years or 36,000 miles. Once you reach that time or mileage limit, the warranty will either totally expire or much of what it covers will be void.
Some manufacturers also offer various program warranties on specific used or pre-owned cars, usually called "certified used" or something similar, that extend the original manufacturer's warranty or parts of the warranty.
If you plan on keeping the car past the life of the manufacturer's warranty, you may want to consider purchasing an extended warranty. Extended warranties are insurance policies against expensive, unforeseen repairs. In essence, extended warranties are actually service contracts. They cover expenses incurred that your warranty doesn't cover.
Unlike manufacturer's warranties, extended warranties are purchased separately from your car. They can be purchased either through the original manufacturer or through a third-party, independent warranty company. In some cases, you'll receive offers to purchase extended warranties in the mail or over the phone from the manufacturer just as the original manufacturer's warrantee is expiring.
Extended warranties are all different. They each differ on what repairs are covered, how much is covered, duration of the coverage and cost of the warranty. Before purchasing any extended warranty, determine what is still covered on the warranty you possess, determine how long past the life of the warranty you'll keep the car, what you want covered and for how long.
When researching the details of the warranty you want to purchase, look for information on the policy's deductible, whether the policy is transferable if you sell the car and whether repairs can be done anywhere or only with specific shops. Also, look for specifics on what is covered and what is not. For instance, does the warranty cover breakdown of parts as well as wear and tear? A warranty that only covers breakdown requires the part to break before the warranty will pay to replace it. A wear and tear policy will cover parts that need to be replaced because they are too worn to work efficiently.
Purchasing an extended warranty can be a smart investment. Don't forget to research the warranty specification and the companies offering them online before making the purchase.
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