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Popular European cars you don’t see in Canada

By | Inspiration

peugeot 208Popular European cars you don’t see in Canada

Here in Canada, we love our big vehicles; Ford F-series, Chevrolet Silverado, Toyota Rav4, GMC Sierra, Ram 1500 and more. But our European counterparts don’t share the same view of larger vehicles as we do. With space a serious issue in many European cities, smaller vehicles are easier and more practical on a day-to-day basis. So what cars are popular in Europe that aren’t so popular here, or that we don’t have at all? Here is our top list (data taken from best-selling-cars.com):

Volkswagen Polo

Nearly 300,000 VW Polos were sold in Europe in 2018 compared to…. 0 in Canada. Although the VW Golf is sold here, the Polo is not available in North America. Volkswagen have talked about the possibility of bringing the Polo over in the past, but it looks like there will be no change on that front in the near future.

volkswagen poloSkoda Octavia

Although the Octavia is a popular choice in Eastern Europe (223,352 sold in Europe in 2018), Skoda currently does not sell vehicles in North America. Again, there have been rumors about this changing, particularly if car sales continue to slow in Eastern Europe, but nothing concrete yet.

Ford Fiesta and Ford Focus

The Fiesta and Focus are currently available in Canada, but their sales here are nowhere near as impressive as Europe with around 476,000 sold there last year. In fact, Ford announced in 2018 that they are dropping the Fiesta, Focus, Fusion and Taurus in North America as of 2020 in order to focus purely on trucks and SUVs.

ford focusPeugeot 208

The most popular Peugeot model has to be the 208 and 230,049 were sold in Europe in 2018. It was reported last year that Peugeot and Citroën were thinking of selling their cars back in Canada within the next 8-10 years, but with that goal so far away, it’s hard to tell whether it will actually happen.

Renault Clio

The Renault Clio outsold the Peugeot 208 in 2018 with 336,268 models sold. The Renault Clio and Peugeot 208 are, of course, the two top selling vehicles in France but unlike Peugeot, Renault has made it clear that they have no desire to come back to the North American market.

renault clioFiat 500 & Smart Car

Although we do have these two tiny cars in Canada, they are nowhere near as popular here as they are in Europe.  In fact, the Smart Car will soon be disappearing from the North American market altogether. The micro-car market has been declining in North America, and larger vehicles such as SUVs have been dominating the market meaning that the Fiat 500 is also in danger of leaving North America.

Love your vehicle but worried about costs associated with your vehicle? Obvi has brought Extended Auto Warranty and GAP Insurance online in Western Canada, saving up to 70% compared to buying from the dealership and giving you better coverage. Get a quick online quote now.

Obvi’s Top 5 Road Trips in Western Canada

By | About Obvi

obviroadtripObvi’s Top 5 Road Trips in Western Canada

As a Calgary based company, we love getting out of the city on road trips! When we’re not working hard you can often find our team in the mountains biking, hiking, or relaxing at one of the hot springs. Looking for some inspiration for your next road trip? Here are Obvi’s Top 5 Road Trips in Western Canada.

Icefields Parkway

The Icefields Parkway is considered one of the best drives in the world and connects Banff to Jasper. There are plenty of places to stop off on the way from lakes to glaciers and waterfalls. Our favorite things to see are turquoise Peyto Lake (you can get the best view from Bow Summit) and the glaciers at Columbia Icefields.

peyto lake

Peyto Lake

Sea to Sky Highway

Connecting Vancouver to Whistler, the Sea to Sky Highway is spectacular. Driving straight through takes about 1.5 – 2 hours, but there are plenty of awesome things to see and do on the way. One of the coolest things is the gondola connecting Whistler and Blackcomb Mountains. The route is 4.4km long and over 400m above the ground, and although it’s not guaranteed there are often sightings of numerous bears below you.

Vancouver Island

A trip to Vancouver wouldn’t be complete if you didn’t go to Vancouver Island, and a road trip is a brilliant way to explore and see what the island has to offer. For the most epic trip, spend a week or so on the island and follow the Heritage Discovery Circle Route on the East Coast from Victoria to Port Hardy. Explore everything in-between and with plenty of opportunities to enjoy nature and see wildlife, you’ll have a great time.

Trans-Canada Highway

The Trans-Canada Highway is a ridiculously long road running all the way across Canada, but our favorite part is between Lake Louise and Banff.  Coming from Calgary, we like to start in Banff and make our way slowly to Lake Louise, stopping off on the way to enjoy the scenery.

Once there, you can do a hike from Lake Louise to Lake Agnes Tea House (open from June to October) and enjoy the breath-taking view. Return back along the Trans-Canada highway and spend some time in Banff – maybe even head up Sulphur Mountain if you’re feeling adventurous or if you’re looking to chill, take a dip in the hot springs.

lake louise

Lake Louise

Drumheller and the Badlands

Drumheller is famous for the Royal Tyrell Museum of Paleontology, about 135km away from Calgary. The area around Drumheller, Dinosaur Provincial Park (a UNESCO World Heritage Site) is the richest place in the world in terms of dinosaur fossils, and this museum has a humongous collection. In fact, most of the 130,000+ fossils aren’t even on display and are behind the scenes, meaning that paleontologists from all over the world come to Drumheller to see specific fossils.

But another great thing about Drumheller is the Badlands; this spectacular area where the dinosaurs used to roam is an awesome destination when on a road trip. The hoodoos (a certain geological structure) seem unreal, and it’s an amazing place to explore and take photos.

Did we miss your favorite road trip spot? Send us a note and let us know where yours is!

Love going on road trips but worried about costs associated with your vehicle? Obvi has brought Extended Auto Warranty and GAP Insurance online in Western Canada, saving up to 70% compared to buying from the dealership and giving you better coverage. Get a quick online quote now.

Where to buy extended warranty for a used car?

By | Extended Warranty, Insurance Online

buy warranty for used carWhere to buy extended warranty for a used car?

Have a used car? Thinking about purchasing one but not sure where to buy the warranty for your used car? You have a few options for buying an extended warranty for a used car in Western Canada.

  • Buying from the dealership

When you purchase a vehicle from the dealership, you are likely to be offered extended warranty (or even Gap Insurance). There are several things to consider when being offered extended warranty at the dealership. This can be an expensive way of buying extended warranty coverage for your used car because of the layers of commissions built in. You should also consider who the actual warranty provider is. You may like your dealership but is that who will be approving any warranty claims? In most cases it isn’t.

The finance office may also suggest the cost of extended warranty is rolled into your monthly payments. This can hide the total cost of the warranty and mean you are not paying a fair price. Even if you do end up paying in monthly installments, it’s clearer to see the total price first and then you can decide if you want to pay it upfront or monthly. Without the total price, it can be confusing and unclear, and you could end up paying more than you expected.

  • Buying online

Instead of going through the dealer, you can now go online direct with Obvi.ca.

Buying warranty for a used car online means several things; you can take time to do your research, you don’t have sales pressure because you can do it online from home, and you get a fairer price by cutting out multiple layers of sales commission. Obvi understands that consumers deserve a fair price, and they also deserve to understand exactly what they are paying for, which is why we strive to be transparent and have an easy-to-understand, simply worded policy.

Going online doesn’t mean you have to sacrifice customer service. Obvi strives to bring some of the best customer service to you by making experts available through online chat, phone, and email, whichever is most convenient for you. Obvi is also with you from purchase to claims so you always know who you are dealing with.

Should I buy a warranty for my used car?

There are several things you might want to think about when deciding whether to buy extended warranty for your used car.

1) How old is your vehicle?

Manufacturer’s warranties generally cover the first 3 – 5 years of a vehicle’s life so you will want to check your make and model’s coverage out first. Not every vehicle on the road is eligible for extended warranty when it is used so be sure to check the various coverage options available.

 2) Is your car used?

Used cars are more affordable to purchase but you may not know how the previous owner treated the vehicle. For example, was the vehicle always properly maintained? What kind of a driver were they? You may find extended warranty is worth it because you cannot predict when you might need expensive car repairs and if the price and coverage are reasonable you can be covered for a long time.

 3) Do you worry about the cost of car repairs?

The cost of car repairs can be a big issue and having a sudden and unexpected bill could put you in a difficult financial situation. If this is a concern, then an extended warranty policy might be for you.

Find out more on our extended warranty page or get an instant quote.

Can you buy a car warranty after purchase?

By | Extended Warranty

can you buy a car warranty after purchaseCan you buy a car warranty after purchase?

Customers often think they can’t buy a warranty for their car after they’ve purchased the vehicle and driven it off the lot, but this just isn’t true. Obviously, the salesperson at the dealership wants you to buy their products while they have your attention – their chances of further upselling are greatly diminished once you drive away in your new vehicle. (Adios pressure sales!)

But, bidding farewell to your dealership doesn’t mean you’ve lost your chance to buy a car warranty for your new vehicle. You have the option to return to the salesperson at the dealership, or, if you live in Western Canada (British Columbia, Alberta, Saskatchewan, Manitoba) you can purchase an Extended Auto Warranty online from Obvi, a Canadian company.

Obvi’s Extended Auto Warranty

Born and raised on the prairies, a trailblazer, Obvi is disrupting the Extended Auto Warranty and GAP Insurance market in Western Canada by offering products exclusively online. You can get a quote, talk to an Obvi Insurance advisor via the Live Chat, and complete a purchase all from your mobile phone or PC on your schedule. Can you buy a car warranty after the purchase of your car? Absolutely! And Obvi.ca makes it easy. As long as your manufacturer’s auto warranty is still valid, you can purchase an Obvi Extended Warranty online, anytime.

There are lots of advantages of having an Extended Warranty from Obvi over one from a dealership. The main advantage is a better price for you. Equally great is that Obvi deals with any claims you may have, from beginning to end.

Who is Extended Warranty for?

Obvi Extended Auto Warranty for your car, truck, or SUV can extend your comprehensive coverage up to 7 years or 175,000 km, whichever comes first. Eligible vehicles in British Columbia, Alberta, Saskatchewan, or Manitoba need to have either 30 days or 1,000 km of remaining manufacturer’s auto warranty. So, if you fall within these limitations, then Obvi Extended Warranty is definitely an option for you.

Does Obvi have any other products?

Absolutely! Obvi also sells Gap Insurance, which covers the difference between your remaining car loan balance and the settlement amount (the “gap”) from your auto insurance provider if your vehicle is considered a total loss and is written off. Like Extended Warranty, Gap Insurance is another product sold at the dealership that you can buy online with Obvi at a fair price.

Find out more about Extended Warranty and get a free quote now.

What is aftermarket car warranty?

By | Extended Warranty, Insurance Online

aftermarket_car_warranty

Aftermarket Car Warranty

What does aftermarket car warranty mean?

The term aftermarket car warranty is an ineffective association of terms frequented by the automotive industry.  When you hear aftermarket, you are likely to associate it with vehicle parts or accessories and might question the reliability.  Many of the automotive dealers will refer to extended warranties sold outside of their office as aftermarket in an effort to leverage the reliability concern ingrained in Canadians. Manufacturer’s warranty will typically last between 3-5 years depending on the make and model vehicle you have, and you have options to extend. The term aftermarket is misleading as you must purchase from a third party insurance company or service contract provider. If you want to buy extended car warranty, you have two options;

  1. Manufacturer’s Extended Warranty Contract (Service Contract)
  2. Insurance Policy

1) Manufacturer’s Extended Warranty Contract (Service Contract)

Most commonly sold at the point of a new vehicle sale from a dealer who represents the manufacturer.  There is no standard format, wording or regulatory framework around this method of extended warranty. Most importantly, there is no monitoring of the financial stability or ability to pay the claims and no regulatory on claims handling. An example of a company that sold Service Contracts is Sears – find out more in our blog here.

2) Insurance Policies – Extended Warranty

Consumers have the option of purchasing an insurance policy to extend the warranty of their vehicle. What many Canadians don’t realize is that they can do this all online and avoid the significant dealer fees.  In fact, all dealers offer an insurance policy option to their customers and they are well accustom to working with third party insurers with claims.

With the help of Obvi Inc, this can be done without paying dealership commission, which is how you save money.

Online with Obvi

Obvi is disrupting the way that Extended Warranty is being sold in Western Canada. Instead of having to buy from the dealer, Obvi gives you the option of buying online. You can do everything on your phone from getting an Instant Quote to purchasing Obvi’s Extended Auto Warranty.

Why is Obvi better?

There are many reasons why Obvi is better;

1) Time – buying at the dealership means that you can’t take your time, do your research and understand what you are being offered, and also what other options you have. With going online, you can take your time to look at as much information as you want

2) Money – going online means that you cut out the middleman and don’t pay up to 75% commission (which is why buying at the dealership is so expensive). You get the fair price you deserve

3) Pressure – there’s no pressure to buy! We won’t push you, but our experienced Insurance Experts are at the end of a phone or available for Live Chat if you need them

4) Financing – you can still pay monthly for your warranty at a reasonable rate.

And many reasons more! In fact, check out our blog post here to fully understand why buying insurance online in Canada is the way forward.

Find out more about Obvi’s Extended Auto Warranty or get an Instant Quote now.

Is Extended Warranty worth it?

By | Extended Warranty

is extended warranty worth it
Is Extended Warranty worth it?

Figuring out whether Extended Warranty is worth it can be a bit tricky, especially with a wide range of sources all saying different things. We have created a simple guide of things to think about so you can decide for yourself whether Extended Warranty is worth it or not.

1) How old is your vehicle?

Not all vehicles are eligible for Extended Warranty. Manufacturer’s warranty typically lasts between 3 – 5 years, and varies per make and model, so you would want to check that out first.

There are also a few benefits to purchasing Extended Warranty straight away on a new car. Find out more in our blog here.

2) What vehicle do you have?

Some vehicle makes are more expensive to repair than others. For example, luxury brands such as BMW, Jaguar and Mercedes might cost you more in car repairs compared to non-luxury vehicles.

Although maintenance costs include other items aside from car repairs that are not included with Extended Warranty, such as an oil change, you might find the graph below interesting (in US dollars, from YourMechanic.com).

cost of car maintenance

3) Is your car used?

Although used cars are more affordable, some people are concerned that they don’t know how the previous owner treated the vehicle. For example, what kind of a driver were they? Did they always properly maintain the vehicle?

Some drivers therefore think Extended Warranty is worth it because you cannot predict when you might need expensive car repairs, and for a small extra cost you can be covered.

4) Do you worry about the cost of car repairs?

The cost of car repairs is a worry for some drivers, regardless of whether their vehicle is new or used, and having a sudden and unexpected bill could be a big problem. Whether you want to protect your savings, or whether you just want to make sure your bills all get paid, an Extended Warranty policy might be for you.

5) Where will you buy the Extended Warranty policy?

Whether Extended Warranty is worth it or not also depends on the price you paid for the policy, and the coverage that comes with that. For example, the traditional purchase point of Extended Warranty is at the dealership. This is an expensive method of purchasing Extended Warranty for a variety of reasons such as;

1) large commission fees on the sale of a policy

2) you might be persuaded into adding the policy into your monthly payments (which hides the total cost)

However, with Obvi.ca you can now go directly online for Extended Warranty and GAP Insurance, saving up to 70% compared to the dealer and giving you better coverage. At Obvi, we think Extended Warranty is worth it, but only when you can buy online in your own time whilst fully understanding what you are buying and when the price is fair.

To find out more visit our Extended Warranty page, or get an instant quote to see how much it would cost you.

What GAP Insurance Covers

By | About Obvi, Extended Warranty

what does gap insurance coverHeard of it, but not sure what GAP Insurance covers? You’ve come to the right place. We will explain 1) what GAP Insurance is and 2) why you might want to consider purchasing GAP Insurance

GAP Insurance definition: Guaranteed Auto (or Asset) Protection is a type of car insurance which protects your finances when a loan is taken out to pay for your car.

Let me paint a picture…..
An unexpected event occurs (accident, fire, flood, theft of your vehicle) and your vehicle is ruined. Your insurance company determines that the car is worth $13,000. This is less a lot less than you thought it would be. Why is that? You bought a new car, and it quickly depreciated in value over time.

You still owe $17,500 because you took out a risky long-term loan over 7 years, meaning
$17,500          – $13,000 = $4,500

What you owe – car worth = Amount you still owe
GAP Insurance protects you and will cover this $4,500 – this is the “GAP”.

What GAP Insurance covers

GAP Insurance is there to protect you from paying the loan off on a car you have unfortunately just lost. Chances are if you had to take out a big long-term loan to buy your new car, suddenly having to cough up $4,500 or so would really hurt your bank balance – if not be impossible.

Taking out a long-term loan is popular in Canada. CBC News reported that in 2018, 55 % of all new car loans were for at least 84 months (7 years). Unfortunately, people forget that having a loan over a long number of years does come with risks.

What else do I need to know about what GAP Insurance covers?

  • GAP Insurance is not just available if you purchased your vehicle, it also includes leased vehicles.
  • Traditionally, GAP Insurance was only sold through the dealer when purchasing a vehicle. However, this was expensive, the dealer was often not knowledgeable about the product and they also were not the ones who would handle your claim.
  • Obvi has completely changed GAP Insurance; by bringing the sales process online and cutting out the middleman, consumers can save up to 70%, there is no sales pressure and confusing technical jargon and consumers get a better product at a fair price.

To find out more about what GAP Insurance covers and if you are eligible, check out our GAP Insurance page or get an easy Instant Quote now.

Can I cancel Gap Insurance from the dealership?

By | GAP Insurance

Can I cancel gap insurance from the dealership?

You bought a car from the dealership – congratulations! The whole process can be draining and take a long time, especially when you have to sit through sales pitches for add-on products. Ended up purchasing an insurance product with a deal you realized is really expensive? No worries, in some cases you can cancel gap insurance from the dealership.

3rd Party Policies

If you have purchased a 3rd party policy, you should be able to cancel your Gap Insurance policy at any time at a pro-rata rate. What exactly does this mean? It means you get a refund for the unused portion of the policy – but when it comes to cancelling “the sooner the better” is true .

Why Gap Insurance with Obvi is different

For more information about Gap Insurance, read our explainer blog here.

Gap Insurance is an important insurance policy, but you don’t deserve to be paying thousands for it. Obvi is the only fully online solution in Western Canada, meaning that we cut out the middleman saving you money. By being online, it also means that you don’t have sales or time pressure and can purchase when you are ready and have conducted as much research of your own as you like.

Why would I want Gap Insurance?

CBC News reported that in 2018, 55 % of all new car loans were for at least 84 months (7 years). Unfortunately, people forget that having a loan over a long number of years does come with risks. Here are some points to think about;

  • “I’m a sensible driver, I’m not going to crash my car…” Hopefully you won’t ever be in an accident, but what if it is stolen? Or there is a fire? Not everything is always in our control, so if you have a long term loan, you want to have reassurance that you will be financially covered in case something happens.
  • The worst case; you don’t want to be left with a loan and no car- this can happen, and that’s why you need protection.

GAP Insurance is there to help protect your finances and give you peace of mind. We sometimes forget the financial risks and ties that are associated with our vehicles, and we also often forget that some events are outside our control such as theft or accidents. With Obvi you can purchase GAP Insurance online. Find out more about GAP coverage and get a free quote now.

Canadian Insurance Market

By | Extended Warranty, Insurance Online

Canadian Insurance Market

It’s moving online incredibly fast

As we have already seen in Banking and Investing, technological advancements for Insurance are reaping huge rewards for customers. Recent advertising efforts by State Farm and Insurance Brokers Association of Canada (IBAC) are clear indicators that online insurance options in Canada are gaining market share every month. State Farm recently launched a high-profile commercial with professional athletes and a famous actor to promote their personal touch, as online offerings powered by bots are gaining market share every day.  The IBAC started a campaign warning Canadians about purchasing insurance online and launched www.beforethequote.ca, advising to go directly to insurance brokers rather than online.

We can credit State Farm for the humorous advert and focusing on the personal touch aspect that some customers might appreciate. The IBAC has taken a different approach of provoking uncertainty and fear, the long-time insurance sales tactic, in the hope of preventing Canadians from looking online for insurance.

Billions of dollars have been invested globally into bringing insurance online with a huge focus on improving the customers experience, so we want to look deeper into the IBAC’s message and see what’s going on;

  1. Advocacy or My broker shops for me. While they can and should be, the reality is that most Canadians receive their home, auto, boat, trailer and other renewals directly from insurance companies and not from the broker. You are likely paying direct to the insurer and the renewals come direct from them too.
  2. My policy is customized.  The customization of insurance occurs long before the quote as insurers themselves have created off the shelf custom packages for home, business and auto insurance.  Insurance companies have worked hard to develop leading packages and this has resulted in very simple policies that are only subject to a relatively standard list of exclusions. The final touch to customize a policy is to ask good questions about the client, be it for business or personal insurance, which can be accomplished with online systems very easily and much more efficiently.
  3. Online insurers don’t pay claims. Online insurance is simply a different division of the same insurance company you might already be dealing with. Claims handling and behaviour from these insurance companies are going to be consistent with both channels. Buying online is not any less reliable, and it certainly does not mean that your claim won’t be paid.
  4. Online insurance is without expert advice. Online insurance industry leaders like Obvi Inc. and Zensurance have something important in common; they are brokers who provide expert advice. Customers still have access to live insurance agents or brokers who can provide guidance throughout the entire online process.  With an online chat, a customer can also ask for a transcript of the conversation to document any advice received that influenced their decisions.
  5. Lower premiums equal less coverage. It is very common for one insurer to offer the same coverage at a lower rate than another insurer. What makes the online world more competitive is how efficiently products can go to market and how claims are opened and tracked which can create substantial savings for customers. Just because insurance is cheaper online, doesn’t mean it isn’t as good if not better.

Are some people still renewing insurance in person? Maybe. Does this mean you have to buy insurance online? Not at all, but the online world is everything the traditional market fears.  It’s quick, it’s easy, it’s convenient and gives consumers the ability to effectively manage a very important product which happens to be a noticeable household expense. What kind of insurance is available online? Here are your options:

  • Home Insurance
  • Auto Insurance
  • Extended Warranty for your vehicle
  • PET Insurance
  • GAP insurance
  • Personal Umbrella
  • Life Insurance
  • Small and medium size business Insurance
  • Travel Insurance

Canada should be excited about online innovators that have re-imagined the insurance industry and the benefits available. The online insurance world is starting to open up in Canada, and it’s something to embrace rather than fear.

Should I Buy Extended Warranty on a New Car?

By | Extended Warranty

Should I Buy Extended Warranty on a New Car?

Whether or not you should buy extended warranty on a new car is a common question. The debate is not just whether to buy an extended auto warranty at all, but whether it is worth it for a new car. Obvi has some advice on the matter;

Buying when new vs waiting

Obvi.ca has brought Extended Warranty and GAP Insurance fully online in Western Canada, meaning that you no longer have to buy from the dealer. Although this means you can buy at any time whilst your vehicle is eligible, you might want to know that it will cost a little bit less buying it straight away rather than waiting closer to the time that your warranty expires.

Also, in those few years between the purchase of the new car and the manufacturer’s warranty expiring, your initial extended auto warranty quote may become more expensive as the rates could increase. A quote you receive is valid for 30 days.

We often get asked the question; why am I not eligible for Extended Warranty? Usually, it’s because the manufacturer’s warranty has expired. With our busy lifestyle, it is easy to forget exactly when this expiration date is, and an Obvi policy can only be bought if you have at least 30 days of the manufacturer’s warranty left. So you don’t forget, you might want to buy it right away so you know you are covered.


Be prepared before you get the dealership sales pitch

It’s always a good idea to do some research on whether you should buy an Extended Warranty on a new car before you purchase your vehicle at the dealership. Why is that?

    • Pressure – you don’t want to be pressured into something that you potentially know nothing about once you have already decided to purchase your vehicle. After making a deal on the car, you just want to finalize the payments and leave as quickly as possible. Instead, dealing with the finance office often takes time and you can feel pressured in to making a decision. When you buy anything in life, it’s not great to feel pressured into a purchase from a salesman, even if it is something you might be interested in.
    • Understanding the product – it’s very important that you understand what the warranty you are purchasing is, including the small print. You need to take your time to know what is included and excluded in the policy, what the coverage is, what the financial implications are (meaning are they suggesting rolling it into your monthly payments, and how much will this cost you in total) and so on.
    • Knowing whether you got the best deal available – don’t just take the word of the salesman! Do your own research and see if you could be buying a better product at a fraction of the price.

Find out more about Obvi’s Extended Auto Warranty or GAP Insurance, and get a quick quote online.