iA Dealer Services Extended Warranty Coverage in Canada

It depends on the program. Auto Mechanical Assistance and the Superior levels of Auto Premium and the EV program are exclusionary: every part is covered unless it is on the contract's exclusion list. Prime Protection and the lower Auto Premium levels cover the parts on their list, starting with the engine, transmission and drive axle and adding steering, brakes, electrical, air conditioning, suspension, fuel and cooling as you move up. Every program pays parts and labour on a covered repair. Diagnostic time is an add-on on Auto Mechanical Assistance and included for the first hour on Prime Protection Platinum.

Fully electric vehicles go to the EV program. Most gas and hybrid vehicles under 160,000 km fit Auto Mechanical Assistance, which is exclusionary and quotes quickly. Vehicles over 160,000 km can still get Auto Mechanical Assistance on a 3- or 6-month term, or Prime Protection Bronze, which has no kilometre cap. Auto Premium Superior suits newer vehicles under 100,000 km that want exclusionary coverage with a claim-free rebate. Tell us the vehicle and current kilometres and we'll say which one rates.

Yes. The iA Extended Warranty for Electric Vehicles covers the high-voltage battery, inverter and converter, drive motor, battery management system, on-board charger and battery cooling system, plus the rest of the vehicle on an exclusionary basis. Battery liability is capped at $5,000 unless you add Upgraded Battery Coverage, which raises the cap to the limit you choose and may be pro-rated by the vehicle's age and kilometres at claim time. Pre-owned EVs qualify up to 8 model years old and 100,000 km.

Yes. On Auto Mechanical Assistance and Auto Premium, iA automatically adds its Hybrid Electric Endorsement (form E7535E) to the contract for hybrid and electric vehicles, extending coverage to the applicable hybrid and electric components. A residential charging station is covered if it is bought at the same time as the vehicle. Auto Premium adds a hybrid surcharge. Prime Protection lists hybrid components on every level except Top-Up, including the propulsion battery, with battery liability capped at $5,000.

Listed-component coverage names what is covered and everything else is not. Exclusionary coverage names what is not covered and everything else is. Exclusionary is closer to factory bumper-to-bumper coverage and matters most on modern vehicles full of modules and sensors. With iA, Auto Mechanical Assistance, Auto Premium Superior and Superior Wrap, and both EV plans are exclusionary; Prime Protection and the lower Auto Premium levels are listed-component.

No. Every iA program excludes maintenance and wear items: brake pads, rotors and drums, the 12-volt battery, tires, wiper blades, belts, hoses, filters, fluids, spark plugs, bulbs and fuses, plus alignments and tune-ups. Brake hydraulics and ABS components are covered on the mid and upper levels. Also excluded across the board: collision, fire, flood, rust, pre-existing conditions, lack of maintenance, aftermarket or modified parts, racing, and body, paint, glass, trim and upholstery.

Yes, if the shop is licensed and approved by iA's claims administrator. The contracts define a repair facility as the selling dealership or a fully licensed and approved repair facility, and they exclude repairs by shops the claims administrator hasn't authorized. Have the shop call iA claims at 1-888-444-0301 before any work starts, or call first and iA will direct you to an approved shop near you, in Canada or the continental United States.

Yes. For an authorized repair, iA pays the repair facility for the covered cost less your deductible, so there is nothing to pay out of pocket beyond the deductible and any taxes. The shop's paperwork must reach iA within 60 days of the repair.

Stop driving if carrying on could cause more damage, take the vehicle to a licensed repair shop, and give them your contract number. Before any work starts, the shop calls iA claims at 1-888-444-0301 for an authorization number. iA confirms coverage and agrees the cost with the shop, and may ask for an inspection or teardown on a major failure. You pay the deductible; iA pays the rest. Report the breakdown within 15 days. Repairs done without prior authorization are not covered, with one exception on Auto Premium and the EV program: an emergency repair of up to $500 when the claims office is closed, reported within 5 business days.

No. A mechanical breakdown claim goes to iA, not to your auto insurer, so it has no effect on your insurance rates or claims history.

Receipts for every scheduled service showing the date, odometer reading and work done. All four contracts require the vehicle to be maintained by a licensed repair facility to the manufacturer's schedule, and iA will ask for the records at claim time. Do-it-yourself maintenance is not accepted, so keep the oil changes at a shop and keep the paperwork.

Yes. Auto Mechanical Assistance, Prime Protection and Auto Premium are all sold on pre-owned vehicles, and the EV program takes pre-owned EVs up to 8 model years old. When a contract is bought after the vehicle rather than with it, the vehicle must pass an inspection first, and iA accepts a certified inspection by a Red Seal mechanic. On Auto Mechanical Assistance, Auto Premium and the EV program, no claims are accepted in the first 30 days; your Prime Protection contract shows any waiting period. We state all of this plainly in your quote.

It depends on the program. Auto Mechanical Assistance: 160,000 km or less for 12- to 48-month terms; 3- and 6-month terms have no kilometre cap. Prime Protection: Bronze has no kilometre cap (an extended version runs to 200,000 km), Silver takes vehicles up to 180,000 km, and Platinum is for vehicles up to 5 model years old and under 120,000 km. Auto Premium: pre-owned vehicles up to 9 model years old and 160,000 km on Basic, Preferred and Classic; up to 4 model years old and 100,000 km on Superior. EV program: pre-owned EVs up to 8 model years old and 100,000 km.

On a new vehicle with factory warranty remaining, Auto Mechanical Assistance and Prime Protection start when the factory warranty expires, so the term stacks on top. Auto Premium and the EV program count the term from the factory warranty start date on a new vehicle. Prime Protection Top-Up and Platinum No Time Limit are the exception: they count from the factory warranty start date. On a pre-owned vehicle every program starts from the contract date. On Auto Mechanical Assistance, Auto Premium and the EV program, a vehicle bought before the contract has a 30-day waiting period before claims are accepted.

Anywhere in Canada and the continental United States, for both the breakdown and the repair. The vehicle must be registered in Canada, and coverage does not apply if it is used outside Canada more than 180 days a year. We don't sell to Quebec residents, and Prime Protection and Auto Premium are not available in the territories.

It depends on the program, the vehicle's make and class, the current odometer, the term, the claim limit you choose and any options such as roadside, seals and gaskets or the High-Tech package. Auto Mechanical Assistance lets you pick a claim limit from $1,250 per visit up to $10,000 per visit, which is the biggest lever on price. We quote every price plus tax, in writing, within a business day. See our cost guide for worked examples.

Yes, per repair visit, and only one per breakdown even if the repair takes several visits. Auto Mechanical Assistance: $100 on 12- to 48-month terms, $150 on 3- and 6-month terms. Prime Protection: $100 on Bronze, Silver and Gold/Silver, $150 on Gold, Top-Up and Platinum, with a zero-deductible option. Auto Premium: your choice of $100, $200 or $300. EV program: your choice of $0, $100, $200 or $300. No deductible applies to roadside, rental or trip benefits on any program.

Yes, once, to a private buyer, on every iA program. The original holder sends the transfer form and $100 plus tax to iA within 30 days of the sale, along with the maintenance records for the new owner. Contracts cannot be transferred when the vehicle is sold or traded to a dealer or leasing company. On Auto Mechanical Assistance the term must be 12 months or longer to be transferable, and the claim-free rebate on Auto Premium and the EV program does not transfer.

Within the first 30 days, yes: a full refund if no claim has been authorized, or the price less a $100 fee and any claims paid if one has. After 30 days the contract can be cancelled by the lender if the vehicle is a total loss or repossessed, with a pro-rated refund less claims and the $100 fee. The contract does not give the owner a general cancel-any-time right after day 30, so we tell customers to treat an iA contract as a 30-day decision.

An optional add-on on Auto Premium and the EV program. If you keep the vehicle and the contract to the end of its term and never make a claim, you can apply for the contract price back, less the rebate fee, up to the maximum shown on your contract ($1,500 on Auto Premium). Apply within 60 days of expiry on Auto Premium, or 120 days on the EV program. On Auto Premium it has a minimum term (48 months on pre-owned vehicles), it is not transferable, and the fee is not refundable after 30 days. Ask us about it if the idea of money back for a trouble-free vehicle appeals to you.

iA Dealer Services is a division of iA Financial Group, a Canadian insurance and wealth management group founded in 1892 and headquartered in Quebec City. In British Columbia, Alberta, Saskatchewan, New Brunswick and Nova Scotia, the plans are mechanical breakdown insurance policies from Industrial Alliance Pacific General Insurance Corporation. In Manitoba, Ontario, Newfoundland and Labrador and Prince Edward Island, they are vehicle service contracts issued and administered by SAL Marketing Inc., an affiliate of Industrial Alliance Pacific General Insurance Corporation. Older iA contracts carried the SAL Protection Plan and Companion Extended Warranty names; it is the same administrator.

We are operated by Sault Nissan, an Ontario-licensed, OMVIC-registered dealership, which is what lets us issue iA contracts to drivers anywhere in Canada. We quote the iA program that fits your vehicle against our other Canadian providers, check the kilometre and model-year gates before you see a number, and put the pricing in writing, plus tax, with no obligation. If your vehicle doesn't rate with iA, we say so and show you what does.