Extended Protection Plan (warranty) за и против Канада


Extended warranty protection

Please keep in mind that you will want to read the full terms and conditions for further details, including restrictions, limitations and exclusions, or check with your card issuer for a copy of your Guide to Benefits. Below you will find answers to some of the most commonly asked questions about the benefit:

Below you will find answers to the most commonly asked questions about the benefits.

This benefit doubles the time period of the original manufacturer’s warranty. For terms of less than a year, the warranty is doubled, and for terms of one to three years, the warranty is extended by one year. So, for example, if the original warranty was for six months, this benefit would double the warranty for an additional six months, so you would have a total of one year of coverage; if the original warranty was for two years, this benefit would extend the warranty for an additional year, so you would have a total of three years of coverage. There is a per claim maximum and a per cardholder maximum. Please refer to full terms and conditions of the benefit for more details.

You will want to read the full terms and conditions, but here are some examples: the item must be purchased with your covered Visa card, and the extension of the warranty’s time period applies to U.S. warranties only. Some items are excluded from coverage, such as motorized vehicles, real estate, computer software, medical equipment, and items that are pre-owned or used.

Yes, as long as you use your covered Visa card for the purchase and the eligible item has a valid original manufacturer’s written U.S. repair warranty of three years or less, store purchased dealer warranty, or assembler warranty.

You must notify the Benefit Administrator within 60 days of the failure, and submit your completed claim form within 90 days of the failure.

In addition to the claim form, you will need the following:

  • An itemized sales receipt for the purchases—if you don’t have this, the store where you made the purchase may be able to print a duplicate receipt for you
  • Your Visa billing statement showing the purchase—your bank can usually make a copy for you
  • A copy of the original manufacturer’s warranty—a copy can usually be downloaded and printed from the manufacturer’s website
  • The Benefit Administrator may ask you to provide additional information, such as repair estimate (if applicable)

If you have any questions or are experiencing difficulty obtaining documents, simply call 1-800-551-8472. If outside the United States, call collect at one of our toll-free numbers.

In most cases, once the Benefit Administrator has all the paperwork they need to process the claim, a decision will be made within five business days. The Benefit Administrator will send you notification of their decision.

WARRANTY

Your Chevrolet Warranty

Driving worry-free is key to fully enjoying the pleasures of owning a new Chevrolet. Whether it’s zipping across town or taking on a monumental road trip, you can set off knowing that every new 2020 Chevrolet purchased or leased in Canada offers an extensive suite of owner benefits:

And, for even greater peace of mind and coverage, General Motors of Canada Company also offers several available Protection Plans † which may be purchased within specific time/kilometre limitations. Your dealer can work with you to select the plan that best suits your driving needs.

For more detailed information and pricing on the Chevrolet Protection Plan, please contact your local Chevrolet dealer.

Your vehicle’s Owner’s Manual contains information regarding maintaining the warranties coverages prov >Assistance † and Courtesy Transportation † programs, including coverage limits offered by GM Canada and its participating dealers.

Roadside Assistance : 1-800-268-6800

Chevrolet Protection Plan : 1-800-268-7676

General Owner Help : 1-800-263-3777

YOUR COMPREHENSIVE OWNER BENEFIT PROGRAM.

Experience Chevrolet Complete Care † , a comprehensive coverage, warranty and protection program that comes standard with every new 2020 Chevrolet leased or purchased in Canada.

CHEVROLET COMPLETE CARE COVERAGE INCLUDES:

CHEVROLET

  • Complimentary 2-year/48,000 km Lube-Oil-Filter Maintenance Program. †
  • 3-year/60,000 km Base Warranty Coverage. †
  • 5-year/100,000 km Powertrain Component Warranty Coverage. †
  • Complimentary 5-year/100,000 km Courtesy Transportation. †
  • Complimentary 5-year/100,000 km 24/7 Roads >Assistance. †

  • 1-month trial of Chevrolet Connected Services and 1 month of OnStar Safety & Security coverage. †
  • Chevrolet Connected Access † with 10 years of standard connectivity, which enables services such as Vehicle Diagnostics, † Dealer Notification † and more.

Bolt EV/Volt

  • Complimentary 2-year/48,000 km Lube-Oil-Filter Maintenance Program (Volt). †
  • 3-year/60,000 km Base Warranty Coverage. †
  • 5-year/100,000 km Powertrain Component Warranty Coverage. †
  • Complimentary 5-year/100,000 km Courtesy Transportation. †
  • Complimentary 5-year/100,000 km 24/7 Roads >Assistance. †
  • 8-year/160,000 km Bolt EV or Volt propulsion battery and specified electric drive component Warranty Coverage. †
  • 1-month trial of Chevrolet Connected Services and 1 month of OnStar Safety & Security coverage. †
  • Chevrolet Connected Access † with 10 years of standard connectivity, which enables services such as Vehicle Diagnostics , † Dealer Notification † and more.

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Coverage begins on date the vehicle is first delivered and ends at expiration of the applicable coverage period.

Whichever comes first. Coverage begins on the date the vehicle is delivered and ends at the expiration of the applicable coverage period. Your vehicle’s Owner’s Manual describes benefits that may be available; and the terms, conditions, limitations, restrictions, exclusions and coverage periods applicable to the Roadside Assistance Program that may be offered by General Motors of Canada Company to eligible owners of new GM vehicles leased or purchased in Canada. General Motors of Canada Company reserves the right to modify, amend, suspend or terminate the Roadside Assistance Program at any time without notice. Roadside service provided by Allstate Roadside Services.

Whichever comes first. Coverage begins on the date the vehicle is delivered and ends at the expiration of the applicable coverage period. Your vehicle’s Owner’s Manual describes benefits that may be available; and the terms, conditions, limitations, restrictions, exclusions and coverage periods applicable to the Courtesy Transportation Program that may be offered by General Motors of Canada Company and/or its participating authorized dealers to eligible owners of new GM vehicles leased or purchased in Canada. General Motors of Canada Company and/or its participating authorized dealers reserve the right to modify, amend, suspend, terminate or withdraw participation in the Courtesy Transportation Program at any time without notice.

Your vehicle’s Warranty Booklet sets out terms, conditions, limitations, restrictions, exclusions and coverage periods applicable to the warranties. Your vehicle’s Owner’s Manual sets out important information regarding maintaining your warranty benefits. General Motors of Canada Company and/or its participating authorized dealers may also offer customer support programs to eligible owners of new GM vehicles sold in Canada, as may be more fully described in your Owner’s Manual. General Motors of Canada Company and/or its participating authorized dealers reserve the right to modify, amend, suspend, terminate or withdraw participation in the programs at any time without notice.

Whichever comes first. The 2-Year Scheduled Lube-Oil-Filter Maintenance Program provides eligible customers who have purchased, leased or financed in Canada a new eligible 2020 Chevrolet, with an ACDelco oil and filter change, in accordance with the oil life monitoring system and your vehicle’s Owner’s Manual, for 2 years from your vehicle’s delivery date or 48,000 km, whichever occurs first. Limit of four (4) Lube-Oil- Filter services in total, performed at participating authorized GM Dealers. Fluid top offs, inspections, tire rotations, wheel alignments and balancing, etc. are not covered. May not be redeemed for cash and may not be combined with certain other consumer incentives available on GM vehicles. General Motors of Canada Company and its participating authorized dealers reserve the right to amend, terminate or withdraw their participation in this complimentary program in whole or in part, at any time without prior notice. Additional conditions and limitations apply. See dealer for details.

General Motors of Canada Company New Vehicle Limited Warranty is provided for GM vehicles sold new in Canada, registered in Canada and normally operated in Canada; and warrants to cover required repairs (parts and labour) to correct any covered vehicle defect which occurs due to materials or workmanship during the coverage period. Warranty repairs can be obtained from any GM dealer facility handling your vehicle line. The Warranty Booklet for your vehicle’s specific model year describes the terms, conditions, limitations, restrictions, exclusions and coverage periods pertaining to the warranties. Warranty coverages begin on the date your vehicle is first delivered and end at the expiration of the coverage period. Your vehicle’s Owner’s Manual contains important information regarding maintaining your vehicle and your warranty coverage. The coverage and benefits of GM’s warranties are transferable at no cost to any subsequent person(s) who assumes ownership before the expiration of the respective coverage period.

Model year 2020 and newer vehicles include: 1 month of Chevrolet Connected Services trial and OnStar Safety & Security Plan coverage which includes navigation services, Connected Navigation (available on select 2020 and newer Chevrolet vehicles), Remote Access Plan, plus a 3 GB or 1-month (whichever comes first) data plan trial from the vehicle delivery date. Services are subject to user terms and limitations. Visit OnStar for more details. Data plans offered by AT&T or its local service provider. Availability subject to change.

Limitations apply. Not transferable. Standard connectivity available to original purchaser for 10 years from the vehicle delivery date for model year 2020 and newer Chevrolet vehicles. See OnStar for details and further plan limitations. Connected Access does not include emergency or security services. Availability of Connected Access and any of its services is dependent on compatible 4G LTE wireless networks and is also subject to change.

Capabilities vary by model. Message and data rates may apply. Requires contact method on file and enrollment to receive alerts. Not all issues will deliver alerts or notifications. See OnStar for details and limitations.

Whichever comes first. Coverage begins on the date the vehicle is delivered and ends at the expiration of the applicable coverage period. Your vehicle’s Warranty Booklet contains conditions, limitations, restrictions and exclusions and coverage periods pertaining to the warranties and the Owner’s Manual contains important information which may impact you maintaining your warranties. See your Warranty Booklet and Owner’s Manual for details.


Manufacturer’s Suggested Retail Price, includes freight and $100 air conditioning tax if applicable. License, insurance, registration, fees associated with filing at movable property registry/PPSA, administration fees, duties and taxes extra. Dealers are free to set individual prices. See dealer for details. U.S. model shown. Image may not show the configurable options selected or available on the vehicle. Some colour options are available at extra cost and may only be available on select trims.

Manufacturer’s Suggested Retail Price, does not include freight, air conditioning charge and Tire fee if applicable. License, insurance, registration, fees associated with filing at movable property registry/PPSA, administration fees, duties and taxes extra. Dealers are free to set individual prices. See dealer for details. U.S. model shown. Image may not show the configurable options selected or available on the vehicle. Some colour options are available at extra cost and may only be available on select trims. On Locate a Vehicle shopping tool, Manufacturer’s Suggested Retail Price includes freight, $100 air conditioning tax and Tire fee if applicable. License, insurance, registration, fees associated with filing at movable property registry/PPSA, administration fees, duties and taxes extra. Dealers are free to set individual prices. See dealer for details. U.S. model shown. Image may not show the configurable options selected or available on the vehicle. Some colour options are available at extra cost and may only be available on select trims.

Cargo and load capacity limited by weight and distribution.

Fuel-consumption ratings based on GM testing in accordance with Government of Canada approved test methods. Refer to vehicles.nrcan.gc.ca for details. Your actual fuel consumption may vary.

Chevrolet Infotainment System functionality varies by model. Full functionality requires compatible Bluetooth and smartphone, and USB connectivity for some devices. Data plan rates may apply.

At time of posting, detailed map coverage is available for most major urban areas of the United States and for certain metropolitan areas of Canada (Vancouver, Calgary, Edmonton, Winnipeg, Windsor, London, Toronto, Ottawa, Montreal, Quebec City and Halifax). Coverage is significantly limited outside these areas.

Visit my.gm.ca/chevrolet to find out which phones are compatible with the vehicle. Bluetooth is a registered trademark of Bluetooth SIG, Inc.

Read the vehicle owner’s manual for important feature limitations and information.

Cruze Diesel Sedan estimated highway fuel consumption rating is 4.9 L/100 km and estimated city fuel consumption rating is 7.6 L/100 km. Estimated fuel consumption ratings based on GM testing in accordance with Government of Canada approved test methods. Refer to vehicles.nrcan.gc.ca for details. Your actual fuel consumption may vary.

Always use safety belts and child restraints. Children are safer when properly secured in a rear seat in the appropriate child restraint. See the Owner’s Manual for more information.

Read the Owner’s Manual for more important feature limitations and information

Visit OnStar for vehicle availability, coverage maps, details and system limitations. Services and connectivity vary by model and conditions as well as geographical and technical restrictions. 4G LTE service available in select markets. Requires active connected vehicle services and a data plan to access the vehicle’s built-in Wi-Fi hotspot. Accessory Power must be active to use the Wi-Fi hotspot. Data plans provided by AT&T or its local service provider. Credit card is required for purchase.

Available in 10 Canadian provinces, 3 territories and the 48 contiguous United States. Subscription sold separately after trial period. If you decide to continue your service at the end of your trial subscription, the plan you choose will automatically renew and bill at then-current rates until you call 1-888-539-7474 to cancel. Other fees and taxes will apply. All fees and programming subject to change. See the Customer Agreement for complete terms at siriusxm.ca/terms. ©2020 Sirius XM Canada Inc. “SiriusXM,” the SiriusXM logo, channel names and logos are trademarks of Sirius XM Radio Inc. and are used under license. SiriusXM Canada products, programming, services are subject to change.

Before making a lane change, always check the exterior and interior rear-view mirrors, look over your shoulder for vehicles and hazards and start the turn signal.

Do not use summer-only tires in winter conditions, as it would adversely affect vehicle safety, performance and durability. Use only GM-approved tire and wheel combinations. Unapproved combinations may change the vehicle’s performance characteristics. For important tire and wheel information, see your dealer for details.

The system wirelessly charges one PMA- or Qi- compatible mobile device. To check for phone or device compatibility, see gmtotalconnect.ca.

Adaptive Cruise Control – Advanced is no substitute for the driver’s personal responsibility to operate the vehicle in a safe manner. The driver needs to remain attentive to traffic and road conditions and provide the steering, braking or other inputs necessary to retain control of the vehicle. The Front Automatic Braking feature may help reduce crash damage under certain conditions discussed in the Owner’s Manual. Never rely on this feature to brake the vehicle.

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The Forward Automatic Braking feature may help reduce crash damage under certain conditions discussed in the Owner’s Manual. Never rely on this feature to brake the vehicle.

Before you buy a vehicle or use it for trailering, carefully review the Trailering section of the Owner’s Manual. The weight of passengers, cargo and options or accessories may reduce the amount you can tow.

Not compatible with all devices.

2020 Tahoe 2WD with 5.3L engine and 6-speed automatic transmission fuel consumption estimate is 15.7 L/100 km city and 10.5 L/100 km highway. Fuel consumption estimates based on GM testing in accordance with Government of Canada approved test methods. Refer to vehicles.nrcan.gc.ca for details. Your actual fuel consumption will vary.

2020 Suburban 2WD with 5.3L engine and 6-speed automatic transmission fuel consumption estimate is 15.7 L/100 km city and 10.5 L/100 km highway. Fuel consumption estimates based on GM testing in accordance with Government of Canada approved test methods. Refer to vehicles.nrcan.gc.ca for details. Your actual fuel consumption will vary.

Manufacturer’s Suggested Retail Price, does not include freight, air conditioning charge and Tire fee if applicable. License, insurance, registration, fees associated with filing at movable property registry/PPSA, administration fees, duties and taxes extra. Dealers are free to set individual prices. See dealer for details. U.S. model shown. Image may not show the configurable options selected or available on the vehicle. Some colour options are available at extra cost and may only be available on select trims. On Locate a Vehicle shopping tool, Manufacturer’s Suggested Retail Price includes freight, $100 air conditioning charge and Tire fee if applicable. License, insurance, registration, fees associated with filing at movable property registry/PPSA, administration fees, duties and taxes extra. Dealers are free to set individual prices. See dealer for details. U.S. model shown. Image may not show the configurable options selected or available on the vehicle. Some colour options are available at extra cost and may only be available on select trims.

2020 Trax FWD with 6-speed manual transmission estimated fuel consumption ratings are 6.9 L/100 km highway and 9.4 L/100 km city. Fuel consumption estimates based on GM testing in accordance with Government of Canada approved test methods. Refer to vehicles.nrcan.gc.ca for details. Your actual fuel consumption may vary.

A NOTE ON CHILD SAFETY: Sitting too close to an airbag when it deploys can increase the risk of serious injury or death. Always properly wear your seat belt. Always use seat belts and the correct child restraint for your child’s age and size, even with airbags. Even in vehicles equipped with the Passenger Sensing System, children are safer when properly secured in a rear seat in the appropriate infant, child or booster seat. Never place a rear-facing infant restraint in the front seat of any vehicle equipped with an active frontal airbag. See the Owner’s Manual and the child safety seat instructions for safety information.

With second and third row seats folded flat. Cargo and load capacity limited by weight and distribution.

Requires AWD model. Before you buy a vehicle or use it for trailering, carefully review the Trailering section of the Owner’s Manual. The weight of passengers, cargo and options or accessories may reduce the amount you can tow.

2020 Silverado 2WD with available EcoTec3 5.3L V8 with Dynamic Fuel Management and 8-speed automatic transmission. Fuel consumption estimates based on GM testing in accordance with Government of Canada approved test methods. Refer to vehicles.nrcan.gc.ca for details. Your actual fuel consumption may vary.

With available 3.6L V6 engine.

2020 Colorado 2WD with available Duramax 2.8L Turbo-Diesel 4-cylinder engine. Before you buy a vehicle or use it for trailering, carefully review the Trailering section of the Owner’s Manual. The weight of passengers, cargo and options or accessories may reduce the amount you can tow.

2020 Bolt EV and Volt energy consumption and range are estimates based on GM testing in accordance with Government of Canada approved test methods. Refer to vehicles.nrcan.gc.ca for details. Full charge required. Actual consumption, driving range and energy cost will vary based on temperature, driving conditions, use of HVAC and/or accessories, and how you drive and maintain your vehicle.

2020 Bolt EV fuel consumption estimates based on GM testing in accordance with Government of Canada approved test methods. Refer to www.nrcan.gc.ca for details. Your actual range will vary based on several factors, including temperature, terrain, battery age and how you use and maintain your vehicle.


Up to $5000 Government Incentive is a maximum incentive provided by the Federal Government on eligible vehicles. The maximum amount of the Incentive, the terms and conditions, eligibility and application requirements, may vary. Government Incentive is applied after applicable taxes are calculated. The Incentive program is administered independently by the Federal Government and is subject to cancellation or change at any time. Incentive information is provided for informational purposes only; GM Canada is not responsible for the administration of the Incentive program, its cancellation or change, and makes no representation about the actual amount of or eligibility for any Incentive. Conditions and limitations apply. For more information see http://www.tc.gc.ca.

Gross Combination Weight Rating (GCWR) is the maximum allowable combined weight of the tow vehicle, passengers and cargo in the tow vehicle, plus the trailer and cargo in the trailer.

Equipment from independent suppliers is not covered by the GM New Vehicle Limited Warranty. GM is not responsible for the safety or quality of independent supplier alterations.

Requires available Vortec 6.0L V8 engine on 3500 Series 139-inch and 159-inch Wheelbase models. Included on 3500 Series 177-inch Wheelbase and all 4500 Series models.

Requires available Vortec 6.0L V8 engine.

Requires Long Box. Cargo and load capacity limited by weight and distribution.

Requires available Duramax 6.6L V8 Turbo-Diesel engine.

2020 Silverado 2WD highway fuel consumption estimate is 11.5 L/100km and the city fuel consumption estimate is 15.1 L/100km with 4.3L V6 engine. 2020 Silverado 4×4 highway fuel consumption estimate is 11.9 L/100km and the city fuel consumption estimate is 15.8 L/100km with 4.3L V6 engine. Fuel consumption estimates based on GM testing in accordance with Government of Canada approved test methods. Refer to vehicles.nrcan.gc.ca for details. Your actual fuel consumption may vary.

Chevrolet Infotainment System functionality may vary by model and/or vehicle configuration. Full functionality requires compatible Bluetooth and smartphone, and USB connectivity for some devices. Data plan rates may apply.

Detailed map coverage is available for most major urban areas of the United States and for certain metropolitan areas of Canada (Vancouver, Calgary, Edmonton, Winnipeg, Windsor, London, Toronto, Ottawa, Montreal, Quebec City and Halifax). Coverage is significantly limited outside these areas.

2500HD and 3500HD SRW (Single Rear Wheel) models.

Visit onstar.ca for vehicle availability, coverage maps, details and system limitations. Services and connectivity vary by model and/or vehicle configuration and conditions as well as geographical and technical restrictions. 4G LTE service available in select markets. Requires active connected vehicle services and a data plan to access the vehicle’s built-in Wi-Fi hotspot. Accessory Power must be active to use the Wi-Fi hotspot. Data plans provided by AT&T or its local service provider. Credit card is required for purchase.

Available on 2500HD Crew and Double Cab models.

Vehicle user interface is a product of Apple and its terms and privacy statements apply. Requires compatible iPhone and data plan rates apply. Apple CarPlay is a trademark of Apple Inc., registered in the U.S. and other countries.

Vehicle user interface is a product of Google and its terms and privacy statements apply. Requires the Android Auto app on Google Play and an Android compatible smartphone running Android™ 5.0 or higher. Data plan rates apply. Android Auto is a trademark of Google LLC.

Always use seat belts and child restraints. Children are safer when properly secured in a rear seat in the appropriate child restraint. See the Owner’s Manual for more information.

Available in 10 Canadian provinces, 3 territories and the 48 contiguous United States. Subscription sold separately after trial period. If you decide to continue your service at the end of your trial subscription, the plan you choose will automatically renew and bill at then-current rates until you call 1-888-539-7474 to cancel. Other fees and taxes will apply. All fees and programming subject to change. See the Customer Agreement for complete terms at siriusxm.ca/terms. ©2020 Sirius XM Canada Inc. “SiriusXM,” the SiriusXM logo, channel names and logos are trademarks of Sirius XM Radio Inc. and are used under license. SiriusXM Canada products, programming, services are subject to change.

The system wirelessly charges one compatible mobile device. Some devices require an adaptor or back cover. See mychevrolet.ca for more information.

Premier model shown. Nine-passenger seating available on LS models only, with available front-row split-bench seat.

3rd-row is vinyl-covered.

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Warranty Statements

Get, read, download, or print the warranty for your equipment.

Lawn & Garden Equipment

Warranty Statements

Warranty Registration
Registration for John Deere equipment purchased from an authorized John Deere dealer is handled by the dealer, and requires no further effort on your part. However, if you purchased John Deere equipment from Lowe’s or The Home Depot and did not fill out a warranty registration card at the time of purchase, you can register your products online.

Frequently Asked Questions About John Deere Warranty
Have a question about the warranty of your John Deere equipment? You may find the answer in our Warranty FAQs.

A John Deere Promise
Buy any of the following equipment from an authorized John Deere dealer:

If you are not happy, bring it back within 30 days of purchase and we’ll give you a full refund or exchange. View the full details of the John Deere Promise below.

IMPORTANT WARRANTY NOTICE:
The Warranty for new John Deere agricultural and turf equipment («Warranty») is set forth in a separate document provided by the dealer. Contact your local dealer for more information.


You may also request a Warranty by calling John Deere directly at 1-866-993-3373 (for Ag Equipment) or 1-800-537-8233 (for Turf Equipment).

Golf & Sports Turf Equipment

Warranty Statement — Golf & Turf Specific

Warranty Statements — Non-Golf & Turf Specific

Frequently Asked Questions About John Deere Warranty
Have a question about the warranty of your John Deere equipment? You may find the answer in our Warranty FAQs.

Agricultural Equipment

IMPORTANT WARRANTY NOTICE:

The Warranty for new John Deere agricultural and turf equipment («Warranty») is set forth in a separate document provided by the dealer. Contact your local dealer for more information.

You may also request a Warranty by calling John Deere directly at 1-866-993-3373 (for Ag Equipment) or 1-800-537-8233 (for Turf Equipment).

Construction & Forestry Equipment

IMPORTANT WARRANTY NOTICE:
The Warranty for new John Deere construction and forestry equipment («Warranty») is set forth in a separate document provided by the dealer. Contact your local dealer for more information.

Canadians often in the dark when buying extended warranties

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Consumer group says there are extended warranties with value, but they can be hard to find

A new report says Canadians don’t understand how extended warranties work and that governments must do more to protect those who buy them.

The year-long study by the Consumers Council of Canada said Canadians are buying extended warranties without reading the contracts or knowing what they’re purchasing.

«They don’t understand how it’s being sold, they don’t understand the complex agreement, they don’t understand how the agreements are financed and secured,» said Ken Whitehurst. the executive director of the non-profit group that advocates for consumers.

The report, based in part on a web survey of 2,000 Canadians, found only about 30 per cent of consumers buy the warranties, mostly for major appliances, home electronics and cell phones.

The results show a quarter of those who filed warranty claims said there was major inconvenience or they did not have the matter resolved to their satisfaction.

High-profit sales

What customers don’t know about extended warranties is that the retailer makes a big profit.

The report said industry sources agree that there could be a 100 per cent markup. It adds that the margins on the contracts «may incent some sales staff to exaggerate or misstate protections.»

Customers are frequently offered the extended warranty at the checkout without any opportunity for review. The report said even then it is «often presented at length and in small type that discourages reading.»

«The salesperson assured me I was covered, but it turns out I wasn’t,» was a common complaint from warranty holders, according to the report.

In Quebec, retailers are required by law to explain the manufacturer’s warranty, and any other warranty attached to the product, before offering an extended warranty.

The report points out the sale of extended warranties lacks competition. Most stores offer only one warranty, or variations of it, but the report said more competition would likely result in lower costs to consumers.

Who owns it?

When Sears Canada closed its doors in 2020, extended warranty holders were told they would have to continue paying for their warranties, even though the company would not honour them.

«Because Sears Protection Plans were only backed by the retailer, when Sears liquidated, the protections vaporized too,» the report said.

Most major retailers in Canada do not operate on the Sears model. Instead, they sell extended warranties provided and serviced by other another company, meaning if the retailer shuts down the warranty would not be affected.

Whitehurst said the council believes that when people prepay for a service the value should be preserved so they either get the service or receive compensation.

«There should be segregation and accountability for these funds,» he said. «To the extent it can be segregated, it should be.»


Fine print matters

While the extended warranties may be presented as added protection, what that means may vary from one plan to another. Each has its own terms, limits on coverage, rules of replacement and delivery costs.

Some will replace defective products, but once that is done the warranty ends.

Some have deductibles, some have exclusions, some require customers to pay shipping charges for new parts and some require customers to pay for periodic maintenance in order for the warranty to be honoured.

Should you buy it?

The council’s position is «that many, if not most of them, are of questionable value, but there are some that are of value in some circumstances,» Whitehurst said.

There are products in the marketplace that are worthwhile, he said. «They’re just very hard to find.»

Right now, extended warranty holders have few options, other than court, when it comes to pursuing a complaint.

The report calls extended warranties «a regulatory orphan» and notes there is no consistency in how they’re regulated from province to province.

Whitehurst says in addition to each province’s regulations, there are several federal departments that deal with consumer issues.

«We think all of the regulators involved need to up their game around misleading sales practices,» Whitehurst said.

The report recommends that government consider in-store competition and mandatory disclosure of warranty protections prior to sale.

One person who is disputing paying for his Sears extended warranty, and is facing collections because of it, said consumers need more protections when it comes to extended warranties.

Mike Albani of Richmond Hill, Ont., said governments need to ensure warranties are honoured or allow customers to stop paying for them when companies fail.

Extended warranty protection

Please keep in mind that you will want to read the full terms and conditions for further details, including restrictions, limitations and exclusions, or check with your card issuer for a copy of your Guide to Benefits. Below you will find answers to some of the most commonly asked questions about the benefit:

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Below you will find answers to the most commonly asked questions about the benefits.

This benefit doubles the time period of the original manufacturer’s warranty. For terms of less than a year, the warranty is doubled, and for terms of one to three years, the warranty is extended by one year. So, for example, if the original warranty was for six months, this benefit would double the warranty for an additional six months, so you would have a total of one year of coverage; if the original warranty was for two years, this benefit would extend the warranty for an additional year, so you would have a total of three years of coverage. There is a per claim maximum and a per cardholder maximum. Please refer to full terms and conditions of the benefit for more details.

You will want to read the full terms and conditions, but here are some examples: the item must be purchased with your covered Visa card, and the extension of the warranty’s time period applies to U.S. warranties only. Some items are excluded from coverage, such as motorized vehicles, real estate, computer software, medical equipment, and items that are pre-owned or used.

Yes, as long as you use your covered Visa card for the purchase and the eligible item has a valid original manufacturer’s written U.S. repair warranty of three years or less, store purchased dealer warranty, or assembler warranty.

You must notify the Benefit Administrator within 60 days of the failure, and submit your completed claim form within 90 days of the failure.

In addition to the claim form, you will need the following:

  • An itemized sales receipt for the purchases—if you don’t have this, the store where you made the purchase may be able to print a duplicate receipt for you
  • Your Visa billing statement showing the purchase—your bank can usually make a copy for you
  • A copy of the original manufacturer’s warranty—a copy can usually be downloaded and printed from the manufacturer’s website
  • The Benefit Administrator may ask you to provide additional information, such as repair estimate (if applicable)

If you have any questions or are experiencing difficulty obtaining documents, simply call 1-800-551-8472. If outside the United States, call collect at one of our toll-free numbers.

In most cases, once the Benefit Administrator has all the paperwork they need to process the claim, a decision will be made within five business days. The Benefit Administrator will send you notification of their decision.

WARRANTY

Your Chevrolet Warranty

Driving worry-free is key to fully enjoying the pleasures of owning a new Chevrolet. Whether it’s zipping across town or taking on a monumental road trip, you can set off knowing that every new 2020 Chevrolet purchased or leased in Canada offers an extensive suite of owner benefits:

And, for even greater peace of mind and coverage, General Motors of Canada Company also offers several available Protection Plans † which may be purchased within specific time/kilometre limitations. Your dealer can work with you to select the plan that best suits your driving needs.

For more detailed information and pricing on the Chevrolet Protection Plan, please contact your local Chevrolet dealer.

Your vehicle’s Owner’s Manual contains information regarding maintaining the warranties coverages prov >Assistance † and Courtesy Transportation † programs, including coverage limits offered by GM Canada and its participating dealers.


Roadside Assistance : 1-800-268-6800

Chevrolet Protection Plan : 1-800-268-7676

General Owner Help : 1-800-263-3777

YOUR COMPREHENSIVE OWNER BENEFIT PROGRAM.

Experience Chevrolet Complete Care † , a comprehensive coverage, warranty and protection program that comes standard with every new 2020 Chevrolet leased or purchased in Canada.

CHEVROLET COMPLETE CARE COVERAGE INCLUDES:

CHEVROLET

  • Complimentary 2-year/48,000 km Lube-Oil-Filter Maintenance Program. †
  • 3-year/60,000 km Base Warranty Coverage. †
  • 5-year/100,000 km Powertrain Component Warranty Coverage. †
  • Complimentary 5-year/100,000 km Courtesy Transportation. †
  • Complimentary 5-year/100,000 km 24/7 Roads >Assistance. †
  • 1-month trial of Chevrolet Connected Services and 1 month of OnStar Safety & Security coverage. †
  • Chevrolet Connected Access † with 10 years of standard connectivity, which enables services such as Vehicle Diagnostics, † Dealer Notification † and more.

Bolt EV/Volt

  • Complimentary 2-year/48,000 km Lube-Oil-Filter Maintenance Program (Volt). †
  • 3-year/60,000 km Base Warranty Coverage. †
  • 5-year/100,000 km Powertrain Component Warranty Coverage. †
  • Complimentary 5-year/100,000 km Courtesy Transportation. †
  • Complimentary 5-year/100,000 km 24/7 Roads >Assistance. †
  • 8-year/160,000 km Bolt EV or Volt propulsion battery and specified electric drive component Warranty Coverage. †
  • 1-month trial of Chevrolet Connected Services and 1 month of OnStar Safety & Security coverage. †
  • Chevrolet Connected Access † with 10 years of standard connectivity, which enables services such as Vehicle Diagnostics , † Dealer Notification † and more.

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Coverage begins on date the vehicle is first delivered and ends at expiration of the applicable coverage period.

Whichever comes first. Coverage begins on the date the vehicle is delivered and ends at the expiration of the applicable coverage period. Your vehicle’s Owner’s Manual describes benefits that may be available; and the terms, conditions, limitations, restrictions, exclusions and coverage periods applicable to the Roadside Assistance Program that may be offered by General Motors of Canada Company to eligible owners of new GM vehicles leased or purchased in Canada. General Motors of Canada Company reserves the right to modify, amend, suspend or terminate the Roadside Assistance Program at any time without notice. Roadside service provided by Allstate Roadside Services.

Whichever comes first. Coverage begins on the date the vehicle is delivered and ends at the expiration of the applicable coverage period. Your vehicle’s Owner’s Manual describes benefits that may be available; and the terms, conditions, limitations, restrictions, exclusions and coverage periods applicable to the Courtesy Transportation Program that may be offered by General Motors of Canada Company and/or its participating authorized dealers to eligible owners of new GM vehicles leased or purchased in Canada. General Motors of Canada Company and/or its participating authorized dealers reserve the right to modify, amend, suspend, terminate or withdraw participation in the Courtesy Transportation Program at any time without notice.

Your vehicle’s Warranty Booklet sets out terms, conditions, limitations, restrictions, exclusions and coverage periods applicable to the warranties. Your vehicle’s Owner’s Manual sets out important information regarding maintaining your warranty benefits. General Motors of Canada Company and/or its participating authorized dealers may also offer customer support programs to eligible owners of new GM vehicles sold in Canada, as may be more fully described in your Owner’s Manual. General Motors of Canada Company and/or its participating authorized dealers reserve the right to modify, amend, suspend, terminate or withdraw participation in the programs at any time without notice.

Whichever comes first. The 2-Year Scheduled Lube-Oil-Filter Maintenance Program provides eligible customers who have purchased, leased or financed in Canada a new eligible 2020 Chevrolet, with an ACDelco oil and filter change, in accordance with the oil life monitoring system and your vehicle’s Owner’s Manual, for 2 years from your vehicle’s delivery date or 48,000 km, whichever occurs first. Limit of four (4) Lube-Oil- Filter services in total, performed at participating authorized GM Dealers. Fluid top offs, inspections, tire rotations, wheel alignments and balancing, etc. are not covered. May not be redeemed for cash and may not be combined with certain other consumer incentives available on GM vehicles. General Motors of Canada Company and its participating authorized dealers reserve the right to amend, terminate or withdraw their participation in this complimentary program in whole or in part, at any time without prior notice. Additional conditions and limitations apply. See dealer for details.

General Motors of Canada Company New Vehicle Limited Warranty is provided for GM vehicles sold new in Canada, registered in Canada and normally operated in Canada; and warrants to cover required repairs (parts and labour) to correct any covered vehicle defect which occurs due to materials or workmanship during the coverage period. Warranty repairs can be obtained from any GM dealer facility handling your vehicle line. The Warranty Booklet for your vehicle’s specific model year describes the terms, conditions, limitations, restrictions, exclusions and coverage periods pertaining to the warranties. Warranty coverages begin on the date your vehicle is first delivered and end at the expiration of the coverage period. Your vehicle’s Owner’s Manual contains important information regarding maintaining your vehicle and your warranty coverage. The coverage and benefits of GM’s warranties are transferable at no cost to any subsequent person(s) who assumes ownership before the expiration of the respective coverage period.

Model year 2020 and newer vehicles include: 1 month of Chevrolet Connected Services trial and OnStar Safety & Security Plan coverage which includes navigation services, Connected Navigation (available on select 2020 and newer Chevrolet vehicles), Remote Access Plan, plus a 3 GB or 1-month (whichever comes first) data plan trial from the vehicle delivery date. Services are subject to user terms and limitations. Visit OnStar for more details. Data plans offered by AT&T or its local service provider. Availability subject to change.

Limitations apply. Not transferable. Standard connectivity available to original purchaser for 10 years from the vehicle delivery date for model year 2020 and newer Chevrolet vehicles. See OnStar for details and further plan limitations. Connected Access does not include emergency or security services. Availability of Connected Access and any of its services is dependent on compatible 4G LTE wireless networks and is also subject to change.

Capabilities vary by model. Message and data rates may apply. Requires contact method on file and enrollment to receive alerts. Not all issues will deliver alerts or notifications. See OnStar for details and limitations.

Whichever comes first. Coverage begins on the date the vehicle is delivered and ends at the expiration of the applicable coverage period. Your vehicle’s Warranty Booklet contains conditions, limitations, restrictions and exclusions and coverage periods pertaining to the warranties and the Owner’s Manual contains important information which may impact you maintaining your warranties. See your Warranty Booklet and Owner’s Manual for details.

Manufacturer’s Suggested Retail Price, includes freight and $100 air conditioning tax if applicable. License, insurance, registration, fees associated with filing at movable property registry/PPSA, administration fees, duties and taxes extra. Dealers are free to set individual prices. See dealer for details. U.S. model shown. Image may not show the configurable options selected or available on the vehicle. Some colour options are available at extra cost and may only be available on select trims.

Manufacturer’s Suggested Retail Price, does not include freight, air conditioning charge and Tire fee if applicable. License, insurance, registration, fees associated with filing at movable property registry/PPSA, administration fees, duties and taxes extra. Dealers are free to set individual prices. See dealer for details. U.S. model shown. Image may not show the configurable options selected or available on the vehicle. Some colour options are available at extra cost and may only be available on select trims. On Locate a Vehicle shopping tool, Manufacturer’s Suggested Retail Price includes freight, $100 air conditioning tax and Tire fee if applicable. License, insurance, registration, fees associated with filing at movable property registry/PPSA, administration fees, duties and taxes extra. Dealers are free to set individual prices. See dealer for details. U.S. model shown. Image may not show the configurable options selected or available on the vehicle. Some colour options are available at extra cost and may only be available on select trims.

Cargo and load capacity limited by weight and distribution.

Fuel-consumption ratings based on GM testing in accordance with Government of Canada approved test methods. Refer to vehicles.nrcan.gc.ca for details. Your actual fuel consumption may vary.

Chevrolet Infotainment System functionality varies by model. Full functionality requires compatible Bluetooth and smartphone, and USB connectivity for some devices. Data plan rates may apply.

At time of posting, detailed map coverage is available for most major urban areas of the United States and for certain metropolitan areas of Canada (Vancouver, Calgary, Edmonton, Winnipeg, Windsor, London, Toronto, Ottawa, Montreal, Quebec City and Halifax). Coverage is significantly limited outside these areas.

Visit my.gm.ca/chevrolet to find out which phones are compatible with the vehicle. Bluetooth is a registered trademark of Bluetooth SIG, Inc.

Read the vehicle owner’s manual for important feature limitations and information.

Cruze Diesel Sedan estimated highway fuel consumption rating is 4.9 L/100 km and estimated city fuel consumption rating is 7.6 L/100 km. Estimated fuel consumption ratings based on GM testing in accordance with Government of Canada approved test methods. Refer to vehicles.nrcan.gc.ca for details. Your actual fuel consumption may vary.

Always use safety belts and child restraints. Children are safer when properly secured in a rear seat in the appropriate child restraint. See the Owner’s Manual for more information.

Read the Owner’s Manual for more important feature limitations and information

Visit OnStar for vehicle availability, coverage maps, details and system limitations. Services and connectivity vary by model and conditions as well as geographical and technical restrictions. 4G LTE service available in select markets. Requires active connected vehicle services and a data plan to access the vehicle’s built-in Wi-Fi hotspot. Accessory Power must be active to use the Wi-Fi hotspot. Data plans provided by AT&T or its local service provider. Credit card is required for purchase.

Available in 10 Canadian provinces, 3 territories and the 48 contiguous United States. Subscription sold separately after trial period. If you decide to continue your service at the end of your trial subscription, the plan you choose will automatically renew and bill at then-current rates until you call 1-888-539-7474 to cancel. Other fees and taxes will apply. All fees and programming subject to change. See the Customer Agreement for complete terms at siriusxm.ca/terms. ©2020 Sirius XM Canada Inc. “SiriusXM,” the SiriusXM logo, channel names and logos are trademarks of Sirius XM Radio Inc. and are used under license. SiriusXM Canada products, programming, services are subject to change.

Before making a lane change, always check the exterior and interior rear-view mirrors, look over your shoulder for vehicles and hazards and start the turn signal.

Do not use summer-only tires in winter conditions, as it would adversely affect vehicle safety, performance and durability. Use only GM-approved tire and wheel combinations. Unapproved combinations may change the vehicle’s performance characteristics. For important tire and wheel information, see your dealer for details.

The system wirelessly charges one PMA- or Qi- compatible mobile device. To check for phone or device compatibility, see gmtotalconnect.ca.

Adaptive Cruise Control – Advanced is no substitute for the driver’s personal responsibility to operate the vehicle in a safe manner. The driver needs to remain attentive to traffic and road conditions and provide the steering, braking or other inputs necessary to retain control of the vehicle. The Front Automatic Braking feature may help reduce crash damage under certain conditions discussed in the Owner’s Manual. Never rely on this feature to brake the vehicle.


The Forward Automatic Braking feature may help reduce crash damage under certain conditions discussed in the Owner’s Manual. Never rely on this feature to brake the vehicle.

Before you buy a vehicle or use it for trailering, carefully review the Trailering section of the Owner’s Manual. The weight of passengers, cargo and options or accessories may reduce the amount you can tow.

Not compatible with all devices.

2020 Tahoe 2WD with 5.3L engine and 6-speed automatic transmission fuel consumption estimate is 15.7 L/100 km city and 10.5 L/100 km highway. Fuel consumption estimates based on GM testing in accordance with Government of Canada approved test methods. Refer to vehicles.nrcan.gc.ca for details. Your actual fuel consumption will vary.

2020 Suburban 2WD with 5.3L engine and 6-speed automatic transmission fuel consumption estimate is 15.7 L/100 km city and 10.5 L/100 km highway. Fuel consumption estimates based on GM testing in accordance with Government of Canada approved test methods. Refer to vehicles.nrcan.gc.ca for details. Your actual fuel consumption will vary.

Manufacturer’s Suggested Retail Price, does not include freight, air conditioning charge and Tire fee if applicable. License, insurance, registration, fees associated with filing at movable property registry/PPSA, administration fees, duties and taxes extra. Dealers are free to set individual prices. See dealer for details. U.S. model shown. Image may not show the configurable options selected or available on the vehicle. Some colour options are available at extra cost and may only be available on select trims. On Locate a Vehicle shopping tool, Manufacturer’s Suggested Retail Price includes freight, $100 air conditioning charge and Tire fee if applicable. License, insurance, registration, fees associated with filing at movable property registry/PPSA, administration fees, duties and taxes extra. Dealers are free to set individual prices. See dealer for details. U.S. model shown. Image may not show the configurable options selected or available on the vehicle. Some colour options are available at extra cost and may only be available on select trims.

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2020 Trax FWD with 6-speed manual transmission estimated fuel consumption ratings are 6.9 L/100 km highway and 9.4 L/100 km city. Fuel consumption estimates based on GM testing in accordance with Government of Canada approved test methods. Refer to vehicles.nrcan.gc.ca for details. Your actual fuel consumption may vary.

A NOTE ON CHILD SAFETY: Sitting too close to an airbag when it deploys can increase the risk of serious injury or death. Always properly wear your seat belt. Always use seat belts and the correct child restraint for your child’s age and size, even with airbags. Even in vehicles equipped with the Passenger Sensing System, children are safer when properly secured in a rear seat in the appropriate infant, child or booster seat. Never place a rear-facing infant restraint in the front seat of any vehicle equipped with an active frontal airbag. See the Owner’s Manual and the child safety seat instructions for safety information.

With second and third row seats folded flat. Cargo and load capacity limited by weight and distribution.

Requires AWD model. Before you buy a vehicle or use it for trailering, carefully review the Trailering section of the Owner’s Manual. The weight of passengers, cargo and options or accessories may reduce the amount you can tow.

2020 Silverado 2WD with available EcoTec3 5.3L V8 with Dynamic Fuel Management and 8-speed automatic transmission. Fuel consumption estimates based on GM testing in accordance with Government of Canada approved test methods. Refer to vehicles.nrcan.gc.ca for details. Your actual fuel consumption may vary.

With available 3.6L V6 engine.

2020 Colorado 2WD with available Duramax 2.8L Turbo-Diesel 4-cylinder engine. Before you buy a vehicle or use it for trailering, carefully review the Trailering section of the Owner’s Manual. The weight of passengers, cargo and options or accessories may reduce the amount you can tow.

2020 Bolt EV and Volt energy consumption and range are estimates based on GM testing in accordance with Government of Canada approved test methods. Refer to vehicles.nrcan.gc.ca for details. Full charge required. Actual consumption, driving range and energy cost will vary based on temperature, driving conditions, use of HVAC and/or accessories, and how you drive and maintain your vehicle.

2020 Bolt EV fuel consumption estimates based on GM testing in accordance with Government of Canada approved test methods. Refer to www.nrcan.gc.ca for details. Your actual range will vary based on several factors, including temperature, terrain, battery age and how you use and maintain your vehicle.

Up to $5000 Government Incentive is a maximum incentive provided by the Federal Government on eligible vehicles. The maximum amount of the Incentive, the terms and conditions, eligibility and application requirements, may vary. Government Incentive is applied after applicable taxes are calculated. The Incentive program is administered independently by the Federal Government and is subject to cancellation or change at any time. Incentive information is provided for informational purposes only; GM Canada is not responsible for the administration of the Incentive program, its cancellation or change, and makes no representation about the actual amount of or eligibility for any Incentive. Conditions and limitations apply. For more information see http://www.tc.gc.ca.

Gross Combination Weight Rating (GCWR) is the maximum allowable combined weight of the tow vehicle, passengers and cargo in the tow vehicle, plus the trailer and cargo in the trailer.

Equipment from independent suppliers is not covered by the GM New Vehicle Limited Warranty. GM is not responsible for the safety or quality of independent supplier alterations.

Requires available Vortec 6.0L V8 engine on 3500 Series 139-inch and 159-inch Wheelbase models. Included on 3500 Series 177-inch Wheelbase and all 4500 Series models.

Requires available Vortec 6.0L V8 engine.

Requires Long Box. Cargo and load capacity limited by weight and distribution.

Requires available Duramax 6.6L V8 Turbo-Diesel engine.

2020 Silverado 2WD highway fuel consumption estimate is 11.5 L/100km and the city fuel consumption estimate is 15.1 L/100km with 4.3L V6 engine. 2020 Silverado 4×4 highway fuel consumption estimate is 11.9 L/100km and the city fuel consumption estimate is 15.8 L/100km with 4.3L V6 engine. Fuel consumption estimates based on GM testing in accordance with Government of Canada approved test methods. Refer to vehicles.nrcan.gc.ca for details. Your actual fuel consumption may vary.

Chevrolet Infotainment System functionality may vary by model and/or vehicle configuration. Full functionality requires compatible Bluetooth and smartphone, and USB connectivity for some devices. Data plan rates may apply.

Detailed map coverage is available for most major urban areas of the United States and for certain metropolitan areas of Canada (Vancouver, Calgary, Edmonton, Winnipeg, Windsor, London, Toronto, Ottawa, Montreal, Quebec City and Halifax). Coverage is significantly limited outside these areas.

2500HD and 3500HD SRW (Single Rear Wheel) models.

Visit onstar.ca for vehicle availability, coverage maps, details and system limitations. Services and connectivity vary by model and/or vehicle configuration and conditions as well as geographical and technical restrictions. 4G LTE service available in select markets. Requires active connected vehicle services and a data plan to access the vehicle’s built-in Wi-Fi hotspot. Accessory Power must be active to use the Wi-Fi hotspot. Data plans provided by AT&T or its local service provider. Credit card is required for purchase.

Available on 2500HD Crew and Double Cab models.

Vehicle user interface is a product of Apple and its terms and privacy statements apply. Requires compatible iPhone and data plan rates apply. Apple CarPlay is a trademark of Apple Inc., registered in the U.S. and other countries.

Vehicle user interface is a product of Google and its terms and privacy statements apply. Requires the Android Auto app on Google Play and an Android compatible smartphone running Android™ 5.0 or higher. Data plan rates apply. Android Auto is a trademark of Google LLC.

Always use seat belts and child restraints. Children are safer when properly secured in a rear seat in the appropriate child restraint. See the Owner’s Manual for more information.

Available in 10 Canadian provinces, 3 territories and the 48 contiguous United States. Subscription sold separately after trial period. If you decide to continue your service at the end of your trial subscription, the plan you choose will automatically renew and bill at then-current rates until you call 1-888-539-7474 to cancel. Other fees and taxes will apply. All fees and programming subject to change. See the Customer Agreement for complete terms at siriusxm.ca/terms. ©2020 Sirius XM Canada Inc. “SiriusXM,” the SiriusXM logo, channel names and logos are trademarks of Sirius XM Radio Inc. and are used under license. SiriusXM Canada products, programming, services are subject to change.


The system wirelessly charges one compatible mobile device. Some devices require an adaptor or back cover. See mychevrolet.ca for more information.

Premier model shown. Nine-passenger seating available on LS models only, with available front-row split-bench seat.

3rd-row is vinyl-covered.

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Canadians often in the dark when buying extended warranties

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Consumer group says there are extended warranties with value, but they can be hard to find

A new report says Canadians don’t understand how extended warranties work and that governments must do more to protect those who buy them.

The year-long study by the Consumers Council of Canada said Canadians are buying extended warranties without reading the contracts or knowing what they’re purchasing.

«They don’t understand how it’s being sold, they don’t understand the complex agreement, they don’t understand how the agreements are financed and secured,» said Ken Whitehurst. the executive director of the non-profit group that advocates for consumers.

The report, based in part on a web survey of 2,000 Canadians, found only about 30 per cent of consumers buy the warranties, mostly for major appliances, home electronics and cell phones.

The results show a quarter of those who filed warranty claims said there was major inconvenience or they did not have the matter resolved to their satisfaction.

High-profit sales

What customers don’t know about extended warranties is that the retailer makes a big profit.

The report said industry sources agree that there could be a 100 per cent markup. It adds that the margins on the contracts «may incent some sales staff to exaggerate or misstate protections.»

Customers are frequently offered the extended warranty at the checkout without any opportunity for review. The report said even then it is «often presented at length and in small type that discourages reading.»

«The salesperson assured me I was covered, but it turns out I wasn’t,» was a common complaint from warranty holders, according to the report.

In Quebec, retailers are required by law to explain the manufacturer’s warranty, and any other warranty attached to the product, before offering an extended warranty.

The report points out the sale of extended warranties lacks competition. Most stores offer only one warranty, or variations of it, but the report said more competition would likely result in lower costs to consumers.

Who owns it?

When Sears Canada closed its doors in 2020, extended warranty holders were told they would have to continue paying for their warranties, even though the company would not honour them.

«Because Sears Protection Plans were only backed by the retailer, when Sears liquidated, the protections vaporized too,» the report said.

Most major retailers in Canada do not operate on the Sears model. Instead, they sell extended warranties provided and serviced by other another company, meaning if the retailer shuts down the warranty would not be affected.

Whitehurst said the council believes that when people prepay for a service the value should be preserved so they either get the service or receive compensation.

«There should be segregation and accountability for these funds,» he said. «To the extent it can be segregated, it should be.»

Fine print matters

While the extended warranties may be presented as added protection, what that means may vary from one plan to another. Each has its own terms, limits on coverage, rules of replacement and delivery costs.

Some will replace defective products, but once that is done the warranty ends.

Some have deductibles, some have exclusions, some require customers to pay shipping charges for new parts and some require customers to pay for periodic maintenance in order for the warranty to be honoured.

Should you buy it?

The council’s position is «that many, if not most of them, are of questionable value, but there are some that are of value in some circumstances,» Whitehurst said.

There are products in the marketplace that are worthwhile, he said. «They’re just very hard to find.»

Right now, extended warranty holders have few options, other than court, when it comes to pursuing a complaint.

The report calls extended warranties «a regulatory orphan» and notes there is no consistency in how they’re regulated from province to province.

Whitehurst says in addition to each province’s regulations, there are several federal departments that deal with consumer issues.

«We think all of the regulators involved need to up their game around misleading sales practices,» Whitehurst said.

The report recommends that government consider in-store competition and mandatory disclosure of warranty protections prior to sale.

One person who is disputing paying for his Sears extended warranty, and is facing collections because of it, said consumers need more protections when it comes to extended warranties.

Mike Albani of Richmond Hill, Ont., said governments need to ensure warranties are honoured or allow customers to stop paying for them when companies fail.

Extended Protection

Equipment Protection Plans (EPP)

New Equipment Protection Plans are the only service plan designed specifically for buyers of new Cat® machines, providing the highest level of repair cost protection available. Backed by the worldwide resources of Cat Financial Insurance Services, Equipment Protection Plans enhance and sustain your entire ownership experience with comprehensive coverage and peace of mind.

You buy the best in heavy equipment and machinery because you can count on it to get the job done. Caterpillar secures your investment with a standard warranty that provides 6-12 months of worry-free operation. But the lifespan of Cat machines well exceeds that timeframe, so your Cat Dealer offers Equipment Protection Plans, which protect you for the long haul. Backed by Cat Financial Insurance Services, Equipment Protection Plans wraps around the factory warranty, ensuring that your investment is safeguarded beyond the standard period.

With three levels of coverage, you choose the option that best suits your needs and your budget- whether Powertrain, Powertrain+Hydraulic or the most comprehensive, Premier. Each will add valuable years and hours of operation to your Standard Warranty period, keeping major repair costs from negatively impacting your bottom line.

Ask your authorized Cat Dealer or contact Cat Financial Insurance Services at 1-800-248-4228 for more information.

Extended Service Coverage (ESC)

Caterpillar provides power systems customers around the world with the tools they need to protect their investment. Extended Service Coverage (ESC) offers coverage beyond the Standard Warranty period and, because it is transferable, it may increase the resale value of your Cat® truck, marine vessel, or generator set.

ESC offers protection against unexpected repair bills and a hedge against rising parts and labor costs by providing parts and labor reimbursement for covered components, less any applicable deductible. Caterpillar’s global service network ensures access to prompt, quality repairs by trained technicians at one of more than 2,500 Caterpillar authorized service locations. The broad range of coverage options, which can be customized to suit your individual needs, combined with simple pricing terms, provides confidence and peace of mind towards your power system’s performance today and tomorrow.

ESC is available for Electric Power, Industrial, Marine, Petroleum, Rail, On-Highway and Cat Vocational Trucks. Contact your local authorized Cat Dealer for details!

PROTECTION PLAN / WARRANTY

Graphtec America, Inc. is proud to announce its two new Protection Plans, which provide

EXTENDED WARRANTY COVERAGE OF UP TO 5 YEARS

Protect your investments by upgrading WITHIN 90 DAYS of the cutting plotter purchase date.

To Purchase: Please contact your local dealer. To locate Authorized Graphtec Dealer >> Click Here

Graphtec Protection Plan

The Graphtec Protection Plan is an extension of the product’s standard warranty – covers parts & labor.

5 Year Warranty — CE6000 PLUS SERIES $400

5 Year Warranty — FC8600 SERIES $650

5 Year Warranty — FCX2000, FCX4000 SERIES $1,200

Graphtec On-Site Protection Plan

The On-Site Service Program puts a trained technician at your door to resolve the issue in person rather than shipping the product to an Authorized Service Center. This program upgrades your existing standard warranty to offer on-site repair, as well as extending the total warranty up to 5 years.

5 Year Warranty — CE6000 PLUS N/A

5 Year Warranty — FC8600 SERIES $980

5 Year Warranty — FCX2000, FCX4000 SERIES $1,730

4 Year Warranty — CE6000 PLUS SERIES N/A

4 Year Warranty — FC8600 SERIES $680

4 Year Warranty — FCX2000, FCX4000 SERIES $1,280

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