Monthly Archives

October 2019

How Does Obvi’s Claim Process Work?

Going through problems with your vehicle can be a stressful experience — the loss of use of your vehicle, the disruption of your plans and schedule, the new errands required to get the vehicle back on the road, etc.

Obvi knows that the last thing you want in that kind of situation is more stress, which is why we try to keep our claims process as simple and straightforward as possible for clients who have a policy with us.

Here is a quick explainer of how our claims process works for our different policies:

Extended Warranty claims

  1. Contact us and let us know there is something wrong while you go to any licensed repair facility in Canada or the U.S. for a repair estimate.
  2. Have the shop contact us regarding the estimate to repair. We will need a copy of the estimate emailed to claims@obvi.ca. Most claims only take a few moments to approve.
  3. Once approved, the shop can proceed with the repair. We will then pay the repair bill directly via credit card. You’re on your way!

GAP Insurance and New Car Replacement Insurance claims

  1. If something has happened to your vehicle and it has been written off by your auto insurer, contact us.
  2. We will request your claim information for processing.
  3. Once approved, payments will be settled promptly.

 

How To Prepare Your Vehicle For Winter

Winter is right around the corner, and with it comes something that most vehicles owners in Canada dread: winter driving.

Not only are the roads harder to navigate because of all the snow and ice, the cold weather also makes life a lot harder on your vehicle’s engine. Whether you’re trying to avoid dangerous accidents or costly trips to the mechanic, how you prepare your vehicle for winter is incredibly important.

Here are some of Obvi’s top tips and tricks to keep your vehicle safe and running during the coming winter months.

Put winter tires on your vehicle

This one might seem like a no-brainer, but a lot of vehicle owners still neglect to do it.

Even though a set of winter tires isn’t cheap, the added traction and stability on icy, snow-covered roads could save you from the costs of an accident — both personal and financial.

Get a winter checkup

Does your vehicle have enough engine coolant and antifreeze? Is your engine using normal oil or synthetic oil? Are your belts and hoses nearing the point of failure? How strong is your battery?

Cold weather is hard on our cars, trucks and SUVs, raising the chances of breakdowns and other problems. A quick and affordable winter checkup, which can be performed at most licensed repair facilities, is a good idea every year.

Keep an emergency kit in your car

There are few driving situations more stressful — or more dangerous — than being stranded on the side of the road with the temperature dropping.

That’s why it’s a good idea to keep a winter emergency kit or supply box in your vehicle.

Some items that are useful to have on hand include, but are not limited to: a portable (and fully charged) battery pack and connecting cable for your cell phone, a warm blanket (or multiple warm blankets), a change of warm clothes, a flashlight, a first-aid kit, a radio, a bag of sand (to help get a vehicle unstuck), an extra pair of gloves, non-perishable snacks, road flares, an ice scraper and a shovel.

Learn seasonal driving tips and techniques

Simply put, driving on icy and snowy roads is much different than driving on clean, dry pavement during the warmer months. With less road traction and reduced visibility, drivers need to be much more careful and alert when they get behind the wheel.

According to Transport Canada, some tips and techniques for winter driving include removing all snow from the vehicle’s exterior before moving, use your lights to make yourself more visible, give yourself extra time to make trips, avoid using cruise control on slippery surfaces and, most importantly and applicably, SLOW DOWN!

Get vehicle replacement insurance

Even if you take all the necessary precautions and drive as safely as you can, accidents can still happen — after all, you can’t control the other drivers on the road. And if an accident happens in the winter, getting around in the cold weather without a car can be quite a challenge.

In the event of a write-off your insurance company might reimburse you, but what they’ll pay is the depreciated Actual Cash Value of your vehicle —not what you initially paid. If you need a vehicle that can handle driving through deep snow or reliably make highway winter drives, sometimes that insurance payout isn’t enough to get you back behind the wheel of the type of vehicle that you need.

Purchasing vehicle replacement insurance, such as the kind offered by Obvi, is a great way to ensure that your investment is protected against costly depreciation in the event of an accident. You can contact Obvi to learn more about vehicle replacement insurance.

How To Tell If A Warranty Provider Is Trustworthy

extended warranty provider

Imagine the following scenario:

You recently purchased a new vehicle and you’re looking to buy an extended warranty for it to help protect your investment. The dealership you bought the vehicle from offered you an extended warranty, but the price seemed really high and the pushy salesperson in the finance office rubbed you the wrong way.

So, you decide to look online for an extended automobile warranty instead. After a few minutes on Google you discover a warranty policy that’s thousands of dollars more affordable than what the dealership was offering, and the coverage terms are better as well, but it’s being offered by a company that you’ve never heard of before.

The product seems too good to be true. How do you determine if what you’re seeing is the real deal, or all just smoke and mirrors?

To help make life easier for consumers, we’ve compiled this handy guide to help separate the contenders from the pretenders when it comes to warranty products by explaining what factors to look for.

They’re a licensed insurance company

Insurance is an important, far-reaching industry that affects the lives (and bank accounts) of millions of Canadians, which is why provincial and federal governments have enacted a wide array of legislation to regulate it. This is a huge benefit to consumers, who are protected from both fraudulent and careless companies.

When it comes to warranty products, buying them from licensed insurance companies is a huge advantage because they are bound by more laws than non-licensed companies are.

They’re backed by an A-rated insurance company

If one licensed insurance company is secure, two working in collaboration is even more secure! This is a common occurrence in the insurance world, especially when it comes to brokerages and new companies.

Within the insurance industry you can also find credit rating agencies, which specialize in analyzing and reporting the reliability of insurance companies. AM Best is one of the most well-known of such organizations, and they issue ratings using letter scales, with “A” being good and “D” or “F” meaning bad.

If you discover a company you’ve never heard of, but they’re backed by an A-rated insurance company, that is a strong indicator of their credibility and security.

They offer a personal touch

Consumers need to be careful when shopping online. Unfortunately, it’s possible for dishonest individuals to start faceless companies, offer up little background information, take money from customers and then disappear without ever holding up their end of the bargain.

It’s always a good sign when companies offer a personal touch, whether on their website or when they communicate with you. If you know an employee’s name and have a way to reach them directly not only is your business more safe, you’re also more likely to receive excellent customer service once a customer-employee relationship has been built.

There are positive customer testimonials

The internet has made it wonderfully easy to share information, and that includes company feedback and customer experiences. Consumers now have the ability to protect and help one another by sharing their experiences online. If a company’s website lists positive testimonials written by previous or existing customers, that’s a great sign about its trustworthiness.

And when it comes to online reviews, keep an eye out for negative ones — or a lack thereof. Consumers who have negative experiences with warranty products are significantly more likely to leave reviews than consumers who never have any problems. An absence of negative reviews can say a lot about a company, even if the total number of reviews is low.

Their policies have cancellation clauses

Nothing exudes confidence in a warranty product quite like a company offering a cancellation clause. While some unscrupulous companies might want to lock down your money while later breaking promises about their product or service, offering consumers the option to cancel their policy (within predetermined terms that are fair to both parties, of course) is evidence that a company is credible and authentic.

The Obvi advantage

Obvi strives to go above and beyond to ensure that our customers are safe and satisfied with us.

As such, we’ve incorporated all of the above factors into our business: we’re a licensed insurance company, we’re backed by an A-rated insurance organization, we offer a personal touch, we share customer testimonials and we include cancellation clauses in our policies. But if all of that isn’t enough, we make ourselves easy to contact if you ever want to learn more about us.

Beyond extended vehicle warranty, Obvi also offers GAP insurance and new vehicle replacement insurance. Visit our website to find our more.