FAQs

Want to know more about what makes Obvi’s extended vehicle warranties and GAP car loan insurance so great?
Check out some of our frequently asked questions or chat with an adviser.

WHERE CAN I SEE WHAT IS COVERED? WHAT DO OBVI WARRANTIES COVER?

A copy of our extended warranty and GAP insurance policy will be emailed to you when getting your instant quote. There is also a link to a PDF of the policy during the quote process. You can check our warranty web page for more details about our program including a simple PDF of some of the exclusions. We offer comprehensive warranty coverage for your vehicle which is comparable to the manufacturer warranty and other premium warranties. Please contact us if you need more information via our instant chat, email, or phone 1-844-712-2054.

WHY ARE OBVI WARRANTIES SO MUCH LESS THAN OTHER OPTIONS?

Obvi has streamlined the entire automobile warranty experience to make it easy and affordable.  By cutting out the middleman, our business operations (right down to the software we use) and policy acquisition costs are managed more efficiently and effectively, and those savings are passed on to you, the customer.

CAN I BUY AN OBVI WARRANTY AT THE DEALERSHIP?

Obvi warranties are offered exclusively online, directly to the customer via an easy-to-use web platform. We sell our policies directly to you to ensure that you get maximum savings and value. Use Obvi’s quick quote and sign-up process to buy a policy anytime, anywhere you have an internet connection — on your phone, tablet, laptop or desktop computer.

IS THERE A MAINTENANCE REQUIREMENT TO KEEP MY WARRANTY VALID?

Following your manufacturer’s recommended service guidelines is all you need to do. Regular oil changes and maintenance should keep your automobile running in good condition. If a part fails and you need to make a claim, we may need to check your service records to rule out that it wasn’t because of negligence. It’s good practice to save your service records for yourself as well as for when selling your vehicle.

WHAT IS NEW CAR REPLACEMENT INSURANCE?

In the event of a write-off your primary insurance settlement will only be for the Actual Cash Value (ACV) of the vehicle, which will have suffered depreciation since the time you purchased it. The average vehicle depreciates 10-15% per year. Obvi’s New Car Replacement Cost Insurance helps protect your investment by covering the difference between the vehicle’s MSRP at the time of purchase and the ACV at the time of a claim, up to $60,000.

DO YOU HAVE A DEDUCTIBLE?

Our warranty policies may have a small deductible of $100 for any one warranty claim. Please refer to the terms and conditions on our policies for more information.

WHY DOESN’T OBVI OFFER DIFFERENT LEVELS OF WARRANTY COVERAGE?

Obvi warranties are designed to offer the best level of protection available from the market to all customers.  If you’ve bought a standard warranty before, you know how confusing it can be when you are offered “Bronze,” “Gold” or “Platinum” coverage. Everyone should have a solid, comprehensive warranty that’s easy to understand.

WHY DOES MY MANUFACTURERS COMPREHENSIVE WARRANTY NEED TO BE VALID?

To avoid costly inspections, mitigate fraud, and bring customers a completely online experience with the best possible prices, Obvi requires that your vehicle still have some remaining comprehensive manufacturers warranty. For most vehicles this is 3 year/60,000 km or 4 year/80,000 km. If you are unsure if your vehicle is still covered by a manufacturer’s comprehensive warranty, contact an associated dealership or your automaker to confirm.

HOW LONG IS THE TERM OF YOUR GAP INSURANCE?

Our GAP insurance will cover you for the full term of your lease or loan. No need to renew every year!

WHERE CAN I GET MY CAR REPAIRED?

You can take your car to any licensed repair facility in Canada or the continental United States. When repairs are made at any partner repair facility in Canada, Obvi waives the deductible.

WHAT VEHICLES ARE ELIGIBLE FOR OBVI WARRANTIES?

Obvi offers extended warranties for most new vehicles and used vehicles that still have a valid existing manufacturer’s warranty. Try our quick, no-hassle quote process now to find out if you qualify.

WHAT IF I DON'T SEE MY MAKE OR MODEL LISTED?

Obvi offers extended warranties for most makes and models of new and used vehicles that still have a valid existing basic/comprehensive manufacturer’s warranty, which is typically 3 years/60,000km or 4 yearsrs/80,000km.

Try our quick, no-hassle quote process now to find out if you qualify. If you do not see your make or model listed and wish to inquire about it, please chat with an adviser, email us at info@obvi.ca, or call 587-200-3063.

WHAT IS THE ``FIRST-IN-SERVICE DATE``?

The first-in-service date is the day a vehicle is sold to the first owner, also known as the original in-service date or the original sale date. An in-service date is important because it’s the date a vehicle’s original manufacturer warranty begins, which allows you to calculate when your manufacturer’s warranty expires and your repairs are no longer covered by the manufacturer.

To find out a vehicle’s first in-service date it is best to call a local dealership. Most dealerships will have no problem giving you this information over the phone. CARFAX vehicle-history reports will also give you the first-in-service date.

DO YOU NEED TO KNOW MY VEHICLE MODEL'S TRIM LEVEL?

Your vehicle’s trim level will not affect your policy premium quote and is not necessary to obtain coverage.

WHAT IS GUARANTEED ASSET PROTECTION INSURANCE AND HOW DOES IT WORK?

Guaranteed Asset Protection insurance (better known as GAP insurance) protects you from theft, fire, or collision resulting in total loss by paying the difference of your outstanding loan amount versus the settlement offer from your insurer. Anyone who finances or leases vehicles has the potential to have a “gap” between the amount your insurer is going to pay and what is owing on the loan or lease balance.  Don’t be left with a balance owing on a vehicle that is no longer yours.

HOW DOES OBVI HANDLE MY CLAIMS? HOW DO I MAKE A CLAIM?

We aim to handle all claims quickly and efficiently with no hassle to our customers. If you have already reported your claim and would like an update please visit: https://obvi.ca/contact/. You can also reach us by phone or by email at claims@obvi.ca

Claims should be started online at our make a claim page. If you are unable to access the claim form please contact us at:

Alberta: 587-200-3063
British Columbia: 604-256-3063
Manitoba: 1-844-712-2054
Saskatchewan: 306-994-1603

Have your repair facility contact us before proceeding with any repairs and diagnostics.

HOW LONG CAN I EXPECT MY CLAIM TO TAKE?

We will work hard to resolve all claims as quickly and efficiently as possible to keep you satisfied, as customer service is extremely important to us. The time to resolve your claim will depend on the extent of the claim, but most claims can be approved in under an hour.

IS THERE A LIST OF SERVICE CENTERS IN MY AREA WHO ARE AUTHORIZED TO DO REPAIRS FOR OBVI?

You can get your vehicle repaired at any licensed repair shop.

WHEN DOES MY WARRANTY TAKE EFFECT?

Your Obvi warranty is effective from the date of policy issuance and will cover your vehicle following expiry of the manufacturer’s warranty period.

WHAT ELSE IS INCLUDED IN NEW CAR REPLACEMENT INSURANCE?

This policy also includes Deductible Reimbursement, up to $500. You can also add on optional coverage for OEM Parts (the guaranteed use of Original Equipment Manufacturer parts, opposed to cheap 3rd-party alternatives) and a Plus Package (which includes Rental Car Reimbursement, Key Fob Replacement, and other benefits). Note: the vehicle does not have to be written off for OEM Parts and Plus Package coverage to take effect.

MY VEHICLE IS STILL COVERED BY THE MANUFACTURER'S WARRANTY. CAN I PURCHASE WARRANTY COVERAGE TO TAKE EFFECT WHEN MY MANUFACTURER'S WARRANTY EXPIRES?

Yes! At any time prior to the expiry of the manufacturer’s warranty you can purchase a warranty from Obvi.

IS MY OBVI WARRANTY INSURED? HOW DOES THAT PROTECT ME?

Yes! All of our policies are insurance policies. When purchasing a warranty with a multi-year lifespan, the financial stability and ability to pay claims throughout the life of the policy is of utmost importance. With an ‘A’ rated Obvi warranty in hand, you can rest assured that your claims will be covered throughout the term of the policy.

WHAT IS THE DIFFERENCE BETWEEN AN OBVI WARRANTY AND THE WARRANTIES OFFERED BY OTHER COMPANIES OR THE DEALERSHIP?

An Obvi warranty is a mechanical breakdown insurance policy with the financial stability of an A-rated insurance company in all provinces that we operate in.  Many dealerships offer “warranty contracts” from the auto manufacturer, which are not subject to any provincial or federal regulation.  Depending on the province, some third-party warranty providers offer service contracts without any assurance that financial obligations can be upheld. Obvi has easy to understand coverage and the best pricing offered in the market today. By cutting out the middleman, you don’t have to pay fees and commissions on top of fees and commissions. This saves you thousands of your hard-earned dollars.We make things simple and easy so you can have peace of mind in your coverage and avoid headaches when dealing with repairs or claims.

CAN I SWITCH TO OBVI IF I ALREADY HAVE AN ACTIVE EXTENDED WARRANTY POLICY?

If you recently bought an extended warranty and want to switch to Obvi, we suggest looking at your cancellation clause to see if it makes sense to switch.

WILL MY MECHANIC OR DEALERSHIP ACCEPT OBVI'S WARRANTIES?

You can take your vehicle to any licensed mechanic anywhere in Canada and the continental United States and we will arrange to pay them directly. Have your repair facility contact us before proceeding with any repairs and diagnostics.

CAN I SET UP A PAYMENT PLAN FOR NEW CAR REPLACEMENT INSURANCE?

Yes. You can choose a 12-month payment plan for a 2-year-policy, a 24-month payment plan for a 3-year policy and a 36-month payment plan for policies that are 4 years or longer.

DOES MY VEHICLE NEED TO BE WRITTEN OFF FOR THE NEW CAR REPLACEMENT INSURANCE POLICY TO TAKE EFFECT?

Yes, the policy will only take effect in the event of a write-off.

WHAT IS “A” RATED INSURANCE?

An A-rated insurance company is generally one that performs at the top of its industry in creditworthiness and is financially strong. Many of the major rating organizations, such as A.M. Best, give ratings ranging from “A” or above, which is considered superior or excellent, to “C” or “D” ratings, which can be described as weak or poor.

When purchasing a warranty with a multiyear lifespan, the financial stability and ability to pay claims throughout the life of the policy is of utmost importance.

With an A-rated warranty in hand, you can rest assured that your claims will be covered throughout the life of the policy.

WHAT IF I NEED TO CANCEL MY POLICY?

All of our policies contain cancellation provisions throughout the life of the policy that can be viewed in our sample policies provided when getting an instant quote. If you need to cancel your policy with Obvi you can do so by following the terms and conditions on your policy documents. Please contact us at:

Alberta: (587) 200-3063
British Columbia: (604) 256-3063
Manitoba:( 844)-712-2054
Saskatchewan: (306)-994-1603

Email: info@obvi.ca

DOES OBVI OFFER ANY OTHER PRODUCTS OR SERVICES?

Obvi currently offers extended automobile warranties, Guaranteed Asset Protection Insurance (GAP Insurance) and New Car Replacement Insurance. We also continue to source new services and options for customers. Sign up for our mailing list to learn about new products or services.

HOW DO I KNOW MY INFORMATION WITH OBVI IS SECURE?

Obvi only uses the best online encryption tools to ensure your information is kept confidential. Please refer to our Privacy Policy and Terms & Conditions for more information or contact privacyofficer@obvi.ca

WHEN WILL OBVI BE AVAILABLE IN MY PROVINCE?

Obvi currently serves residents of British Columbia, Alberta, Saskatchewan and Manitoba. Check back often or sign up for our mailing list to be notified of any future services.

Q&A WITH OBVI

DIDN’T FIND AN ANSWER?

Fill out the form below to get your questions answered.