Where is the Best Place to Get a Car Warranty Plan in Canada? Whether you're buying a brand new car or a gently used resale, the prospect of an extended warranty plan may be on your radar. An extended warranty could be a shrewd financial decision, to help you have a cushion against the inevitable costs of future repairs.
Best Option
Ensurall, a family-owned Canadian business with almost 50 years of experience, has been a stalwart in protecting car owners from hefty repair costs. Fully insured by Unica Insurance, a subsidiary of La Capitale General Insurance, Ensurall has maintained an "A+" rating and accreditation from the BBB for decades.
3 tiers of service
For warranty coverage here, you can choose from three plans: Powertrain Plus, Essential Components, and Fully Loaded Coverage, each providing well-rounded benefits tailored to your car's needs and your budget. We encourage you to look at the handy comparison chart on the Ensurall site, so that you'll know what's covered and what's not. But, it tends to follow what you'd normally see elsewhere: Powertrain Plus covers powertrain/seals and gaskets/AC/electronics, Essential Components adds on ignition systems/suspension/brakes, and so on.
Best coverage for cars under 6 years old
Ensurall's plans are particularly attractive for cars under 6 years old, offering higher coverage eligibility without per-claim maximums.
Start quote process online, finish with a phone call
To see your options, click on the "free quote" button, and provide details about your car, including its year, make, model, odometer reading, purchase price, and special features. However, keep in mind that the quote process involves waiting for an Ensurall representative to reach out via phone or email.
Perks include your choice of mechanic and car rental allowance
Regardless of your plan, you have the freedom to choose any mechanic when you're ready to make a claim, and every plan includes trip interruption benefits and a car rental allowance for extended repairs.
#1 for customer satisfaction
Although there are a few limitations here (they won't cover cars more than 10 years old, and plans aren't offered to residents of British Columbia, Saskatchewan and Alberta), Ensurall really stands out with respect to customer satisfaction. We found review after review from loyal clients who said they've used Ensurall to cover multiple vehicles over many years. "Over the 5 years of the policy, I had four repairs that were covered" and "I would not hesitate to purchase an additional warranty from Ensurall down the road" (from a customer who purchased two policies) are just two examples of the glowing praise from happy Canadians who have trusted these auto warranty policies.
Still our first choice for car warranties in Canada
Ensurall continues to be our #1 pick among Canadian car warranty options. There are no hidden costs or surprises when it's time to make a claim, customers are almost universally thrilled with the value of their policies, and you can trust Ensurall will have your back. This should be the first place you look for an auto warranty in Canada.
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Whether you're buying a brand new car or a gently used resale, the prospect of an extended warranty plan may be on your radar. An extended warranty could be a shrewd financial decision, to help you have a cushion against the inevitable costs of future repairs.
Are extended warranties worth the investment? From a reputable company, absolutely. We've all experienced the frustration of a major malfunction just as the manufacturer's coverage runs out - or, even worse, a mere few days after driving that "as-is" car off the used car lot.
But here's a nugget of wisdom: buying the extended warranty directly from the dealer might not be your savviest move. Dealers often slap on hefty mark-ups, and their coverage might not be as comprehensive or flexible as you'd like. Fortunately, Canada boasts several reputable auto warranty companies, providing stellar coverage at competitive prices.
Now, let's get into the nitty-gritty of what these extended warranty plans entail. Similar to car insurance, these plans range from covering just the major systems, like the powertrain, to offering comprehensive bumper-to-bumper protection, excluding only normal wear and tear. So, while they'll handle your in-dash electronics going haywire, don't expect them to foot the bill for your fresh set of brakes or wiper blades.
As you embark on the quest to find the ideal car warranty plan in Canada, keep these essential factors top of mind to guide your decision-making:
For a comprehensive rundown of your options in the Canadian car warranty marketplace, check out the reviews here at Top Consumer Reviews. Our experts have meticulously reviewed and ranked the best choices, arming you with the knowledge to pick the perfect plan for your vehicle. We're confident that your chosen warranty plan will provide the peace of mind that accompanies knowing you're covered when the unexpected road bumps appear!
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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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