Category

Extended Warranty

Why It’s Important To Have Warranty Coverage On Your Vehicle

When motorists go to buy a new vehicle, they’re often faced with a number of important questions: what’s my budget? What type of vehicle should I buy? What make of vehicle should I buy? What features and options do I want included?

Another factor that should be taken into account more often than it usually is: how much warranty coverage am I getting?

It may come as a surprise that different car manufacturers offer different warranty coverages. For example: Ford and Toyota offer 3 years / 60,000 kilometres, while Kia and Hyundai provide 5 years / 100,000 kilometres.

This matters because there are different perks to having your vehicle covered by warranty — and there’s nothing worse than needing it, only to have discovered that it has already expired.

Here are some important reasons why it’s beneficial to have your vehicle covered by warranty for as long as possible.

Less money to spend on repairs

This is an obvious one.

If a breakdown occurs that is covered by your warranty policy, you won’t need to pay out of pocket to have it fixed. Costly breakdowns can happen to all vehicles, including brand new ones, so the longer you have a warranty for, the longer your breakdown repairs will be covered for.

Warranties add value for trade-ins and private sales

Even if you spend plenty of time researching and deciding what new vehicle to purchase, there’s no guarantee that actually keeping the same vehicle will be the right decision.

Maybe an unexpected financial emergency pops up that requires you to save money somewhere, such as downgrading to a more affordable vehicle. Perhaps you soon realize that you need a vehicle that has more seating or better towing capacity. Or, heck, maybe you discover that you just flat-out don’t enjoy driving the vehicle as much as you thought you would.

If you decide to trade in or privately sell a vehicle, an existing warranty adds a lot of value to it and helps you to negotiate a better price.

Stuck with a short factory warranty? Get it extended

So, you’ve taken your time and done all of your research, but for one reason or another you’ve still decided that the next car, truck or SUV you purchase will be one that comes with a shorter warranty of just 3 years.

Luckily for you, getting the benefits of longer protection is still possible, thanks to an Obvi extended warranty!

Not only do we specialize in selling extended automobile warranties, all we require is that you still have some existing comprehensive factory warranty remaining on your vehicle prior to purchasing with us, and that you’ve followed the manufacturer’s maintenance guidelines up to that point.

Additionally, Obvi’s extended warranties are for up to 8 years from when the vehicle was new, so even if you get 5 years of coverage straight from the manufacturer we can provide you 3 years on top of that, giving you the perks discussed above for longer.

Check out the extended warranty page of our website to learn more and to receive a free instant quote for prices.

Important Information To Know About Extended Warranty Refunds

Like most goods and services, extended warranty policies come with the option of getting refunds.

However, extended warranties — especially automobile extended warranties — are unique entities, and as such, have unique characteristics about when and how refunds are available.

The purpose of this Obvi blog is to help spread some important details that consumers should know and remember about how these work.

First, let’s consider how buying warranty or insurance works. The losses of the few are paid by the many, which explains why no other kind of insurance product in Canada offers a refund — not home insurance, not life insurance, not car insurance.

So, why are many automobile extended warranties eligible for refunds? Truth be told, the deck is stacked in favour of the warranty provider — let’s look at why.

Exclusions and eligibility

As with any and all insurance policies, it’s always important to read the fine print for exclusions and eligibility. The last thing you want is to think you’re still covered, and make decisions based on that assumption, only to later discover that you were wrong.

For example: many vehicle warranty policies have kilometer caps for refund eligibility. Once a kilometer threshold has been crossed, there goes your chance at getting a refund.

Claims erase your right to a refund

This one might seem obvious, but some people still miss it. For most policies, any time you make a claim it waives your chance to collect a refund at a later date. Why? Because if an insurance company has already paid you money for a claim then your premium is considered to have been used up.

Check the timeframe limits

All policies with refund options have a timeframe where the request has to be made. For example, 60 days after the policy has expired. Some companies will offer you something back if you miss this deadline, but not the full refund amount that you would have been entitled to otherwise.

Pro rata cancellation

How much refund you’re entitled to often depends on how much of your policy has lapsed. For example: many insurance policies offer refunds on a “pro rata” basis. The website Insuranceopedia gives a good example of how this works:

“For example, a policyholder purchases a one-year policy for $1,000 but cancels it after six months. In a pro rate cancellation, they would receive a refund of $500, which is equivalent to the remaining six months of coverage they forfeited.”

You might have to commit to the car if you want a refund

According to a recent article by Autotrader, the average length of time a driver keeps a new vehicle is 71.4 months, or roughly six years.

This is important to remember, because many policies require you to  keep your vehicle — and keep it safe — for the full term in order to be eligible for a refund. That means no sales or transfers, nor can the vehicle be written off. These kinds of requirements are red flags, as it suggests the company isn’t actually serious about refunding premiums — they fully expect you to lose your eligibility before the date it can become active.

If you have further questions about how Obvi’s refunds work you can always contact the company to connect with an agent.

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 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.

The Risks Of Buying Extended Car Warranties From Dealerships

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 break down 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.

How to purchase extended auto 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

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.

Where to buy extended warranty for a used car?

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?

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 8 years with personalized KM options. 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?

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.