Products.

Even the most well-engineered vehicles require repair. Mechanical Breakdown Protection covers many costly vehicle components that can potentially fail over time.

Here is how Mechanical Breakdown Protection provides peace of mind:

Prepaid maintenance lets consumers choose how many service intervals they want and offers the flexibility to use them as slowly or as quickly as they need. Prepaid maintenance is designed to be tailored to consumers’ maintenance requirements – from oil changes to tire rotations.

Here is how Prepaid Maintenance keeps every vehicle’s performance intact:

• Vehicle is properly maintained as per regular maintenance requirements.
• Customizable levels of service from must-haves to comprehensive.
• Serviced by certified technicians using genuine parts.

Appearance Protection protects a vehicle’s interior and exterior, keeping it looking its best with a plan tailored to each driver’s needs and budget. From door dings in the parking lot to windshield chips and coffee spills – consumers can feel confident knowing they are covered.

Here is how Prepaid Maintenance keeps every vehicle’s performance intact:

• Repairs performed by certified technicians using genuine parts.
• 24/7 towing, lockout service and flat-tire assistance included.
• Coverage for up to the vehicle’s value.
• May be included in vehicle financing.

Returning a vehicle at lease-end can be costly if excessive wear is found. An Excess Wear and Use Waiver protects consumers from a large bill, waiving costs for qualifying damages such as cracked paint, exterior scratches or stained carpets.

Here is how Excess Wear and Use simplifies the lease-end process:

• Waives costs for excessive damages up to $7,500.
• Cost for missing or broken key fob is waived up to $400.
• Excess kilometers charges covered up to $1,000.

When life takes an unexpected turn, Loan Protection brings financial relief. Loan payments are taken care of in case of disability or loss of employment, while the outstanding balance of the loan is paid in the event of critical illness or death so loved ones do not inherit the financial burden.

Here is how Loan Protection offers financial peace of mind:

• Loan payments covered for up to 6 months in case of disability or loss of employment.
• Possibility to pick and choose the right coverage or to benefit from them all.
• May be included in vehicle financing.

Loan Protection is underwritten by Co-operators Life Insurance Company and administered by LGM Group Insurance Administrative Services Inc., an affiliate of LGM Financial Services Inc.*

*Supporting services, such as enrolment intake, medical underwriting, and claims administration, are provided by the employees of CUMIS Services Incorporated, a subsidiary of Co-operators Life Insurance Company. To contact Co-operators Life Insurance Company, call 1.855.587.8595 or visit www.cooperators.ca

When hit by a total loss, often the value of the car is less than the balance of the loan, leaving consumers to make payments on a vehicle they no longer have. Debt waiver allows consumers to easily replace their vehicle by waiving some or all of the remaining financial obligation in the case of a total loss or substantial recorded damage.

Here is how Debt Waiver protects consumers:

• In the event of write-off (collision, fire, theft), the resulting negative balance between the vehicle value payout and the financial obligation is waived.
• In the event of a declarable accident, a defined amount of financial obligation is waived depending on the original financing amount.

Total and partial loss can bring a significant financial burden to consumers. With the Vehicle Loss Privilege Program, consumers benefit from an in-store dealer credit allowing them to reduce the cost of a replacement vehicle.

Here is how Vehicle Loss Privilege Program reduces financial burden:

• Benefits available in the event of collision, theft and fire, as well as partial loss.
• Negative equity privilege provides an in-store credit for an amount up to the deficit between the insurer payout and the remaining loan balance.
• Total loss and Theft Event privilege provide an in-store credit of up to $10,000. Partial Loss provides an in-store credit of up to $5,000.

Anti-Theft Protection theft less attractive by combining a clearly visible warning label with permanent, pre-registered numbers embedded on body panels throughout the vehicle. The pre-registered number adds every protected vehicle to a national database to improve its traceability.

How Anti-Theft Protection protects consumers from vehicle theft:

• Deter potential thieves thanks to police traceable window decals indicating the presence of pre-registered numbers.
• If the vehicle is stolen, chances of recovery are increased thanks to pre-registered numbers.
• If the vehicle is not recovered, consumers benefit from a discount of up to $5,000 towards the purchase of a new vehicle.

With Replacement Insurance, consumers can replace their lost vehicle with a new vehicle of their choice. Replacement Insurance is designed to save consumers the cost of depreciation of their old vehicle as well as price increases due to inflation.

Here is how Replacement Insurance ensures consumers always have a ride:

• Covers a loss in vehicle value due to damage, theft, or total loss.
• Covers the difference between the amount paid by the primary insurer and the cost of a new vehicle with the same specifications and accessories.
• New, original parts are used for repairable vehicles.

Certified Pre-Owned vehicles are thoroughly inspected to ensure they meet safety and operating standards giving consumers confidence in their choice.

How Certified Pre-Owned guarantees quality for consumers:

• Inspection includes up to 149 points.
• CARFAX vehicle history report is provided.
• Possibility to purchase a dedicated Mechanical Breakdown Protection plan for additional benefits including roadside assistance.

Guaranteed Asset Protection (GAP)
protects customers when their vehicle is stolen or written off by helping to clear any outstanding debt not covered by their primary insurers’ payout.

Here’s how GAP provides valuable financial security for customers:

• Up to $50,000 in outstanding debt covered on initial loan amounts of up to $180,000.
• $1,000 loyalty credit towards a new vehicle after loss.
• Insurance deductible covered up to $1,000.
• Optional down payment coverage up to $20,000.

Technology is evolving rapidly. While EVs and hybrids have different components than traditional vehicles, repairs and maintenance of their advanced technologies are costly. We offer products covering:

• Expensive advanced technology including batteries and charging stations.
• Specific wear & maintenance designed to maintain the factory warranty and keep your customers’ EVs and hybrids running perfectly.
• Software and technology updates to repair or recalibrate existing systems, or to enhance the vehicle’s functionality
• Specialized parts and labor performed by technicians who are specifically trained to work on EVs and hybrids, ensuring high-quality service and proper handling of the vehicle’s unique components.
• Flexible plans let customers match coverage with their own needs and budgets.