Welcome to the Obvi Blog

How To Tell If A Warranty Provider Is Trustworthy

By | Extended Warranty, Insurance Online

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.

What Is Insurtech, And Why Is It A Benefit To Consumers?

By | Insurance Online

In a country where the cost of living keeps rising but wage growth is mostly stagnant, it’s incredibly important for individuals and families to be smart with their money.

As a famous old saying goes, “A penny saved is a penny earned.”

There are many strategies and tricks that consumers can use to use to save a little more in their bank accounts or scrounge up some extra fun money, but one area that a lot of people don’t think about investigating is what they pay for insurance in all of its various forms.

Luckily, the recent rise of a concept called “Insurtech” is changing the industry and — more importantly — helping consumers save thousands of dollars.

What is Insurtech?

According to the website Investopedia, Insurtech is “the use of technology innovations designed to squeeze out savings and efficiency from the current insurance industry model. Insurtech is a combination of the words “insurance” and “technology,” inspired by the term Fintech.”

The definition continues:

“The belief driving Insurtech companies and investments by venture capitalists in the space is that the insurance industry is ripe for innovation and disruption. Insurtech is exploring avenues that large insurance firms have less incentive to exploit, such as offering ultra-customized policies, social insurance, and using new streams of data from Internet-enabled devices to dynamically price premiums according to observed behavior.”

To put all of that another way: by utilizing new technological advancements, companies are able to make the world of insurance faster, easier, more convenient, and more affordable for consumers.

How does Insurtech benefit you?

Beyond making insurance more cost-effective, Insurtech can benefit you as a consumer in a wide number of other ways, depending on the company and what they’re offering.

Some common uses of Insurtech include receiving online quotes for home, auto, extended warranty, or vehicle replacement cost insurance that can be compared to competing companies, connecting consumers to live agents through chat systems wherever an internet connection exists, understanding coverages in more detailed and interactive ways, and many more.

Broadly speaking, Insurtech gives consumers more control and flexibility over how they manage their insurance.

How Obvi uses Insurtech

As we wrote about in another recent blog post, buying a vehicle from a dealership can be a stressful experience, especially when the topics of extended warranty and financing payments enter the conversation.

But what if you could purchase Extended Automobile Warranty, GAP Insurance and New Car Replacement Insurance all from the comfort of your own home — and at a significantly lower price than what is offered at a dealership? That’s where Obvi comes in.

Visit Obvi’s website on a computer, tablet or smartphone and you can enter your information yourself and receive a free quote within minutes. It’s that simple! But if you do need any help in the process or have any questions, an Obvi Advisor is usually just minutes away via web chat, phone call or email.

The most important benefit of Obvi using Insurtech, though, is how the technology helps us offer our customers a fair price and financial peace of mind. Many people can’t comfortably afford a $4,000-$5,000 repair bill, and nobody wants to pay off a huge remaining loan balance on a vehicle that has been written off. As mentioned earlier, being smart with your money is incredibly important these days.

Obvi’s products

Check us out online to learn more about our Extended Automobile Warranties, GAP Insurance and New Car Replacement Insurance, or feel free to contact us so we can help determine which of our products best suit your needs. Customer satisfaction is our top priority, so we’re always here to help.

The Risks Of Buying Extended Car Warranties From Dealerships

By | About Obvi, Extended Warranty

car dealership risks

Have you ever walked out of a car dealership’s finance office carrying keys to a new vehicle and a bundle of complicated paperwork — without feeling entirely comfortable or informed about what you just purchased?  If so, you’re not alone.

Most of us think we can rest easy once we get to the finance office, but the unfortunate reality is that this is where the some of the biggest dealer fees exist, hiding in insurance premiums and monthly payments.

Finding a new vehicle to purchase can be a stressful and confusing process, and those problems are often made worse when you add in an overload of information about extended warranties and financing payments. It’s not uncommon for car buyers to leave the finance office confused with all the different options.

While many car dealerships are honest and trustworthy, some of them aren’t. These other dealerships often deploy deceitful sales tactics to help close a deal, focusing more on getting into your wallet than offering you services that you need or want.

Here are the biggest things to watch out for in the finance office.

Huge markup on insurance

That’s right, motor vehicle dealers have been provided a restricted insurance license to sell GAP Insurance, New Vehicle Replacement Insurance, and Extended Warranty on your vehicle.  What most people don’t know is that the markup is huge — 40, 50 and even 60% or higher commission charged by the dealers and built into these products.  Let’s breakdown these products:

  • GAP Insurance is for financed/leased vehicles: One of the unique aspects of the Canadian automotive world is long-term loans and negative equity. What GAP Insurance does is pay off any remaining loan balance if your vehicle is a write off, giving you the peace of mind to finance for up to 96 months with nothing down.  Remember: your primary insurer settles the loss on the vehicle and doesn’t consider that you will be left with a loan balance to pay off.
  • New Vehicle Replacement Insurance: As mentioned above, your existing insurer will settle any total loss claim based on the current depreciated value of your vehicle.  With NVR you will benefit from the insurance proceeds to buy a brand new vehicle without any additional costs to you.
  • Extended Warranty: That’s right, Extended Warranty is now considered insurance in Western Canada.  Why? So many problems within the industry drove the need for regulation to protect the consumer.  What many people don’t know is that dealers have competition, and the coverage from independents is just as good if not better. Plus, you will benefit from transfer options, half the cost, choice of repair facility and the list goes on.  Buying a new vehicle? The manufacturer’s extension might not be insurance, but the same heavy commissions are loaded within. Luckily, insurance alternatives exist and offer huge savings!

Upselling the payment plan

An extra $9 a week for 8 years… that sounds a lot better than $3,744, right?  Nothing wrong with financing options, but make sure every single product they are selling is presented to you as a total cost. Whether it’s automotive sales or a household appliance, salespeople are trained to understand your monthly budget to hide the actual cost.

This CBC Marketplace episode shows just how aggressive the payment plan is pushed.

Fast-talking, aggressive salespeople

According to a 2017 investigation by the Automobile Protection Association, the addition of extra charges by car dealerships was “rampant” in Calgary.

Don’t be afraid to ask a salesperson to slow things down, repeat themselves or write out specific numbers for you. Taking the extra time to fully comprehend what you’re buying could save you thousands of dollars.

A lack of willingness to help down the road

You wouldn’t buy house insurance from a realtor, or life insurance from a doctor — so why are we accustomed to buying car insurance from car dealers? The reality is that the insurance market has taken time to get online and that was the only choice consumers had. However, now we can buy directly from the company who will be paying the claim.

Think about this scenario: a total loss claim has occurred and you’ve emailed the finance office about your problem, but they haven’t emailed you back after a long period of time. You decide to call the dealership, but your call gets bounced between a couple of different employees and then you’re told to contact the warranty/insurance provider of the plan they sold you. The sad truth is that the finance office has ZERO involvement in the claim and is limited to obtaining commission dollars from you.

Let’s also not forget the biggest myth in the industry: “if you buy the manufacturer’s product from me you can rest assured all claims are covered, no matter what.”  Not exactly the case — the extended warranty from the manufacturer is subject to terms and conditions just the same as insurance policy. Read our blog here to learn more.

The Obvi advantage

For the team at Obvi, customer satisfaction is the highest priority.

We know how important vehicles can be in people’s lives. Our goal is provide as much peace of mind as possible that you’ll be in good hands and back on the road again soon. As both a seller of extended automobile warranties and a handler of claims, we’re with you every step of the way. And while dealership salespeople can be pushy when commissions are on the line, that’s not the case with Obvi. More than anything else, we want you be satisfied with your experience.

Visit our Extended Car Warranty page to find out more of feel free to contact us any time if you have any questions.

What Is New Car Replacement Insurance, And How Does It Work?

By | GAP Insurance, Insurance Online

car replacement warranty

Obvi is now offering New Car Replacement Insurance in addition to extended warranty and GAP insurance. In this blog, we explain what Vehicle Replacement Cost Insurance is and why it can be worth it.

What is New Car Replacement Insurance?

In the event of an accident, comprehensive / collision insurance will cover the current value of your vehicle. This means that if you bought a new vehicle and several years later you had an accident, your vehicle would be worth a lot less than what you originally paid for it due to depreciation. This comes as a surprise to many drivers, who pay insurance premiums year after year while the insurance company limits the claim amount as much as possible. Replacement cost insurance will cover you for the depreciated loss, meaning you get a brand no car and don’t have to be out of pocket.

New Car Replacement Insurance example

You purchased your vehicle used 3 years ago for $32,000. After 3 years of use, at an average depreciation rate of 10% per year, its current value is now $23,000. You really liked your car and have your eye on the brand-new model, which now costs $40,000. What will your insurance policy contribute?

If you only have collision / comprehensive insurance, your primary insurance settlement will be for the current value of your vehicle: $23,000.

If you purchased a New Vehicle Replacement Insurance policy, you would receive the additional $17,000 towards a new vehicle on top of the $23,000 so that you could purchase the new $40,000 vehicle using both settlements.

Why do I need this type of coverage?

We love new vehicles, but the reality is that they depreciate the second we drive off the dealership’s lot. What’s even worse is that this plays to the advantage of your insurance company, which now gets to pay less if there is a claim.

With New Car Replacement Cost Insurance you can get the true benefit of buying collision / comprehensive insurance by not having to pay the full loss of depreciation.

Other benefits available

Beyond simply covering the difference of depreciation, a New Car Replacement Cost Insurance policy in BC and Alberta with Obvi can also include a number of other different perks:

OEM Parts : Your existing collision/comprehensive insurance policy will pay to repair your vehicle after a partial loss with the cheapest available parts. These could be recycled parts from a scrap yard or aftermarket parts of lesser quality. OEM Parts pays the difference between the cost to repair with those parts and the cost to repair with brand-new parts from the vehicle manufacturer. Coverage until model year 5, $2,500 coverage per year, maximum $10,000 coverage per policy.

Partial-Loss Deductible Reimbursement: If you are charged a partial-loss deductible during the policy term, the policy will reimburse your deductible up to $500. Unlimited use throughout the policy term.

Rental Vehicle Reimbursement: If loss of use coverage is exhausted under your primary insurance policy due to a delay in repairs or replacement of the vehicle, the policy will reimburse the additional cost of a rental vehicle up to $50 per day to a maximum of $2,500 per year.

Lost or Stolen Key Fob Protection: If you lose your key fob during the policy term, we will pay to replace it. Coverage is one time use per policy, up to $500.

Obvi’s other products

Obvi also sells extended warranty and GAP insurance online to customers in Western Canada. Contact us or visit our website at obvi.ca to find out more and get an instant quote.

Interesting Canadian Car Related Facts

By | Inspiration

interestingcarfacts

Interesting Canadian Car Related Facts

Love cars? So do we. Here are some interesting facts related to vehicles in Canada just for you.

Stolen vehicles

CBC news reported in December 2018 that car theft is up in Canada by 6% with some provinces effected more than others. And interestingly, the most stolen car is the Ford F-350 with 8 different versions in the top 10 stolen cars.  

In 2017, 85,000 vehicles were reported as stolen in Canada. Stolen Canadian vehicles end up being smuggled into countries such as Hong Kong, Thailand, Vietnam, China, Belgium, Germany, and Italy.

Accidents

It is estimated that there are 160,000 car accidents every year in Canada.  Over $1 million worth of vehicle damage is caused by moose related car accidents each year.

canadian car factsSnow removal

A large portion of city budgets goes towards snow removal each year, but one Canadian city spends more than the others. Montreal has half the population of Toronto but ends up spending double (about $155 million) on snow removal each year.

Left or right?

Driving in Canada was mixed in the provinces with being left or right sided until 1947 when Newfoundland made the final switch to the right-hand side. The differences occurred because of having both the British (left) and French (right) influences. The right-hand side was seen as preferable because driving is on the right in the US and therefore the border changes would have become an issue if Canada continued to drive on the left.

Most popular vehicles

The best-selling vehicles in Canada in 2018 were the Ford F-series, Ram 1500 and Honda Civic. The Canadian vehicle market is leaning increasingly more towards SUVs and pick-up trucks, and small vehicles such as the Fiat 500 and Smart Car will soon be disappearing.

interesting facts carsVehicle production

In 2016, 1.3 million vehicles were produced in Canada. Canada contributes 13% of all vehicles produced in North America and is the 10th leading vehicle producer in the world.

Winter tires

Quebec is the only province where it is legally mandatory to have winter tires between December 15th to March 15th. It isn’t legally mandatory across the entirety of British Columbia, but there are some places particularly in mountainous areas where winter tires are also required.

Although Canada is one of the coldest countries in the world, it is surprising that winter tires are not required by law. In Germany, the rules regarding winter tires have recently been tightened and Germans know that they should ideally have winter tires on from October to Easter. If they are caught without them and there is snow or ice, or if they are involved in an accident, they have to pay a special fine.

Want to find out more about purchasing extended warranty or gap insurance online in Western Canada? Get an instant quote

How to purchase extended auto warranty

By | Extended Warranty

How to purchase extended auto warranty

How to purchase extended auto warranty

Traditionally, extended auto warranty was only available for purchase from the dealership. Products such as extended auto warranty and GAP insurance are discussed particularly in the finance office once you have decided to go ahead and purchase your vehicle. However, how to purchase extended auto warranty has changed in Canada as Obvi has brought the process online, resulting in a fairer price for customers. Here we explain the differences between buying from the dealership and going direct online.

Buying from the dealership

There are several things to think about when being offered extended warranty at the dealership. This can be an expensive method of purchasing extended warranty coverage because of the layers of commissions built in. It is also important to consider who the actual warranty provider is. Is your dealership the one who will be approving any warranty claims? In almost all cases, it isn’t.

It might also be suggested in the finance office that 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. There is nothing wrong with paying in monthly installments, as long as you have clearly seen the total price first and can then 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 extended auto warranty 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.

How is buying online different?

Although you might be told otherwise at the dealership, buying online is not any different in terms of customer service. In fact, Obvi’s excellent customer service stands out as a cut above other providers — you can speak to an expert via our online chat, by giving us a call or sending us an email, whatever you prefer. By going online with Obvi, not only has how to purchase extended auto warranty improved, but you can also be reassured that we will be with you for the entire process, from purchase to potential claim.

If you have questions about how to purchase extended auto warranty online with Obvi, contact us or get an instant quote.

Extended Car Warranty What Does It Cover

By | Extended Warranty

extended warranty what does it cover

Extended Car Warranty – what does it cover?

What is extended car warranty and what does it cover are some of the most common questions we are asked here at Obvi. Been given a detailed policy but still don’t know what the small print means? We’ve had the same experience. That’s why we decided to completely change the way that extended warranty and gap insurance were sold in Western Canada, making the process better for Canadian consumers.

At Obvi, we understand that it can be confusing to sift through pages and pages of policy information with complicated jargon, when all you really want is the facts written in the clearest possible way. That’s why Obvi has a no jargon policy written in simple terms, and an easy to understand exclusion list; if it’s not excluded, it’s included.

What is extended car warranty?

When you purchase a new vehicle, it will come with a manufacturer’s warranty which typically lasts for between 3-5 years. Extended car warranty is something you can choose whether to purchase or not, and can come in different forms, see previous blog explaining the differences.

The main reason why people buy extended warranty is so that they save money and don’t have to worry about sudden expensive car repairs. For some drivers, having large car repair bills can be too much of a strain on their finances. For others, they just want to save money and have peace of mind in knowing that they are covered.

Extended car warranty: what does it cover?

Depending on where you purchase your extended warranty from, the policy may slightly vary with what is included or excluded.

The main components that Obvi covers are;

  • Engine
  • Transmission
  • Steering
  • Drive Axles
  • Suspension
  • Brakes
  • Heating / Cooling
  • High-tech
  • Electrical

To find out more and see excluded components, check out our Warranty Brochure. We also explain in the brochure why certain components are excluded.

Obvi’s Extended Car Warranty

Why is Obvi’s extended car warranty the best option in Western Canada?

  • We cut out the middleman, meaning you save up to 70% compared to buying from the dealership
  • We keep everything simple and easy to understand
  • Our customer service is excellent – you can call us or chat with one of our live agents on our website
  • We are with you through the whole process, so if you have a claim, we will also handle your claims
  • There is no sales pressure – by going online, you can take your time and do your research. We won’t pressure you into making a purchase

Find out more about Obvi’s extended car warranty and get a free quote.

Guest Blog: Factors to Consider When Buying a Used Car

By | Inspiration

Factors to Consider When Buying a Used Car

A pre-owned vehicle can be a smart option when you want to purchase a decent ride without breaking the bank. New vehicles depreciate very quickly; according to wheels.ca, in the first few years of ownership, it can be more than a dollar an hour that gets pumped out of the car. 

Factors to Consider When Buying a Used Car

While used cars are a sensible option, there are still many things you need to consider before making a decision. The process can be confusing and stressful at times. Fortunately, you don’t need to be a car expert to get a good deal. Here’s what to pay attention to when buying a used vehicle.

The History of the Vehicle

One of the first steps of buying a used vehicle is learning its history. When purchasing a c, the dealer or owner may not provide you with all the information about the car. A VIN(vehicle identification number) check uncovers critical details about the car’s past and enables you to spot any red flags. 

A full VIN report helps you to know whether the vehicle has been involved in any accidents, has ever been extensively damaged, has a junk title, has changed hands many times before or it was recently recalled due to safety issues. The information revealed by a VIN check has the potential to sway your purchasing decision. Sites like VINCheck.info offer free, fast, and reliable online VIN lookup services.

The Exterior and Interior Condition

The outward appearance of a vehicle can tell you much about its condition. To get the perfect view, park the car on level ground. This will help you to see whether all parts are even and no side is sagging. On the exterior, start by inspecting the paint for dents and bends as they may indicate traumas that the car has previously suffered. Also check the tires, trunk, the exhaust, and the hood for signs of rust or any form of damage.

The next step is to check the interior of the vehicle. Sit on the driver’s seat and look at all dashboard components to ensure they are functioning. Also, ensure all the seats are adjustable. Check around for tears on the upholstery, and test the air conditioning, lights, wipers, and signals. To further protect yourself, bring along a certified mechanic to check whether the car is mechanically sound, as noted in The Guardian.    

The Results of a Test Drive

If the exterior and interior of the car are perfect, the next step is to go for a test drive. If possible, do the test drive in conditions that reflect those of your day-to-day driving. Preferably a busy road where you can test all the vehicle’s components in a real-life situation. Take note of how long the car takes to start, the effectiveness of the brakes, strange noises, vibrations, burning smells, and how the car responds to different actions. 

The Warranty

Factors to Consider When Buying a Used CarSome drivers view pre-owned cars as unpredictable, and decide they would like an extended  warranty in case they have car repairs. It helps lighten future financial burdens when your vehicle needs repair, as noted in a Forbes article. Find out more about extended warranty online in Canada with Obvi or get an instant quote

Final Thoughts

When scouting for a pre-owned vehicle, it’s essential you take your time and equip yourself with the right information. Start by checking the car’s history, performing a detailed inspection, and taking a test drive. These steps will help you decide whether to pull off with the deal, negotiate, or walk away.

Best GAP Insurance Canada

By | GAP Insurance

best GAP insurance canada

Best GAP Insurance Canada

You may have heard of products such as GAP insurance or extended auto warranty the last time you purchased a vehicle or insurance. However, if you don’t deal with them frequently it can be confusing understanding how the coverage works and what options are available.

GAP (short for guaranteed asset protection) insurance pays 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 write off. Long-term loans, elevated interest rates, high vehicle prices, and negative equity rollovers mean most vehicle owners carry a loan much higher than the value of their car, truck, or SUV.

GAP insurance is often sold at the car dealership when you are purchasing a vehicle. You can make a one-off payment or it is more likely that you are encouraged to roll GAP insurance into your monthly payments. Obvi.ca has made GAP insurance available for online purchase in Western Canada, which is why we think Obvi has the best GAP insurance in Canada.

What are some negatives of how GAP insurance is traditionally sold?

Confusing policies – Some policies are difficult to read, with deliberately complicated terminology, misleading marketing, and complicated clauses. Obvi has tried hard to create easy-to-understand policies written in simple English so you aren’t left confused.

High price – Buying from the dealership can be expensive. Obvi cuts out the middleman meaning no dealer commission. Going direct online with Obvi also means you can avoid the difficult sales process. Obvi policies are priced fairly, and you save money.

Rolling into monthly payments – there is nothing wrong with paying monthly (Obvi now offers a 36 month payment plan). However, if you are encouraged to roll gap insurance into your monthly vehicle payments and are NOT given the total cost, then you can end up paying much more than you first realized. Obvi has simple and transparent prices so you can always see the total cost.

Obvi – the best GAP insurance in Canada

Obvi is disrupting the market in Canada by bringing GAP insurance online and in doing so, saving Canadians money. Why is going online with Obvi good for consumers?

  • Purchasing online rather than at the dealership means you can take your time to research and think about your purchase. There is also no sales pressure online so you don’t feel pushed into a decision.
  • You’re busy, why would you want to spend time calling people for quotes, or even going in person to an office? Everything can be done online in minutes, and if you have questions, our live agents are there to help.
  • By going direct, the extra layers of sales commissions can be removed saving you money.
  • With going online, you can review the reputation of the company issuing the policy.

Find out more about Obvi’s GAP insurance and get a free quote.

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.