Home/How it works
The process
No mystery. Here's every step.
From the first message to the day a repair actually gets paid for. This is the whole thing, including the parts other companies leave vague.
Getting covered
Send me the basics
Year, make, model, mileage, and how much longer you plan to keep the car. Form, call, or text, whatever's easiest.
I check real options
Not every administrator covers every vehicle. I find the ones that do, at the tiers that make sense for your mileage.
We review it together
Coverage level, exclusions, deductible, term length, monthly payment, and the cancellation terms. Ask me anything.
You decide, not me
If you want to think about it, think about it. If it's not a good deal for your car, I'll be the one to say so.
The day something breaks
This is the part that matters. Here's exactly how a claim goes.
Take it to any licensed shop
Your mechanic, a dealership, a national chain. Your choice, anywhere in the country. Tell them you have a service contract.
The shop diagnoses it
They identify the failed part and the repair cost, then call the administrator's claims line before starting work. This call is required. Repairs done without authorization can be denied.
The claim is authorized
The administrator confirms the part is covered and approves the repair amount. Complex claims may need an inspection first.
Payment goes to the shop
The administrator pays the facility directly by card. You pay your deductible and nothing else on the covered portion.
You get a rental if needed
Rental reimbursement kicks in while the car is down on a covered repair, up to your contract's daily and total limits.
Stuck? Call me.
If a claim gets pushback, you're not arguing alone. I know how these administrators work and I'll get on the phone with them.
Protect your protection
Four habits that keep every claim clean
Denied claims are usually paperwork problems, not coverage problems. These four things prevent almost all of them.
- Keep every service receipt. Oil changes on schedule, documented. This is the single most common reason a big claim gets denied.
- Authorize before you repair. The shop must call the claims line first. A repair already completed is much harder to get paid.
- Don't keep driving it. Continuing to drive a car that's overheating or knocking can turn a covered failure into excluded consequential damage.
- Tell me about modifications. Lifts, tunes, and aftermarket parts can affect eligibility. Better to know before a claim than during one.
When should you actually buy?
The best window is while your factory warranty is still active or has just expired. You're eligible for more coverage tiers, at lower prices, and there's no question about pre-existing conditions.
Every kilometre after that narrows your options. Somewhere past 200,000 km most administrators stop writing new contracts entirely, and the ones that will charge accordingly.
Note that almost every contract has a waiting period: commonly around 30 days and 1,600 km, before claims can be filed. You can't buy coverage on Monday for a noise that started on Sunday. That's true everywhere, and anyone who tells you otherwise is not being straight with you.
One minute now, one less problem later.
Leave your details and I'll come back with real numbers for your specific vehicle.