Have a Question?

We’re here to help. Here are some of our most commonly asked questions.

Why do you need so much information from me when I request a quote online?

Do you offer any year, any mileage coverage?

Other than the 18-month term (mentioned above) what is the oldest vehicle you will cover?

What happens when I need to make a claim?

Carfuffle claims process is fast and effortless. Prior to repair, simply tell the repair facility of your choice to call the Claims Center number provided in your contract document, pre authorization is required before any repair to avoid claim denial, then a Claims Representative will expedite direct payment to your repair facility.  LIMITS OF LIABILITY: For each claim / repair visit, OUR liability will in no event exceed the lesser of actual cash value of the vehicle immediately prior to the failure or the original MSRP of the vehicle. The aggregate of all coverages and benefits payable under this contract will not exceed the lesser of the price the contract holder paid for the vehicle or the original MSRP of the vehicle

What is Manufacturer’s (Factory) Warranty?

Every new vehicle comes from the Manufacturer with a “factory” warranty.
The manufacturer will repair or replace covered parts in the event of a mechanical failure for a certain amount of time or a limited number of kilometers. Once the Manufacturer’s Warranty expires, all repair costs are performed at your expense.

What is included in Roadside Assistance?

All Carfuffle plans include Roadside Assistance which includes up to $100 per occurrence for each of the following:

  • Towing
  • Flat Tire Assistance
  • Battery Assistance
  • Lock Out Assistance
  • Fuel, Oil, Fluid and Water Delivery Service
  • Collision Assistance

Roadside Assistance is not included in plans with “commercial use”

What if I need a Car Rental while my vehicle is being serviced?

Reimbursement for substitute transportation in event of a covered mechanical repair is included in all plans.

Is my warranty transferrable?

If you sell your vehicle, you can transfer your Carfuffle warranty coverage to the new owner, increasing the resale value of your vehicle.  **See contract for details or email info@carfuffle.ca for more details**

Are labour charges included?

Full coverage with no hidden charges:  Pre authorized parts and door labour rate are payable relative to a covered repair.  Repair costs are paid directly to the repair facility, saving you out-of-pocket expenses and the inconvenience of waiting for reimbursement.  LIMITS OF LIABILITY: For each claim / repair visit, OUR liability will in no event exceed the lesser of actual cash value of the vehicle immediately prior to the failure or the original MSRP of the vehicle. The aggregate of all coverages and benefits payable under this contract will not exceed the lesser of the price the contract holder paid for the vehicle or the original MSRP of the vehicle

Will I have to pay a deductible?

You are responsible for a $250 deductible on all covered repairs, plus applicable taxes

Am I covered wherever I travel?

Carfuffle covers your vehicle anywhere you go in Canada and the Continental United States

Do you cover Electric or Hybrid Vehicles?

Yes, Electric Vehicles are eligible for coverage. Hybrid/Electric Coverage is similar to that available on combustion engines. Batteries are not covered under any level of coverage.  Here are some examples of Hybrid/Electric Coverage:

  • Hybrid control unit(s) including inverter
  • Stator and rotor
  • Battery sensors
  • Cooling fan
  • Cooling duct(s)
  • High voltage harness and junction box
  • Electric drive motor(s)
  • Hybrid transaxle assembly
  • Transmission damper assembly

Do you offer coverage for Commercial Vehicles?

Commercial use vehicles receive the same coverage offerings except for Roadside Assistance. Examples of commercial use are:

  • Taxi/Uber/Lyft
  • Mobile Business
  • Service Repair Work
  • Mail Delivery
  • Appliance Delivery
  • Route Delivery
  • Fleets
  • Trades
  • Lawn Care
  • Shuttle
  • Livery
  • Multiple Driver

Is there a waiting period before I can make a claim?

The contract is not active until it is paid in full. There is a 30 day/1000 KM waiting period for claims on all Carfuffle programs

Are Pre-Existing problems or mechanical failures covered?

Pre-existing conditions are NOT covered, but mechanical failures/breakdowns are covered if they are eligible under the terms of the contract

What are the maintenance requirements?

Maintenance Requirements: in order to keep your contract in force during its term, you must maintain the vehicle in accordance with published scheduled maintenance requirements of the manufacturer. If you fail to follow published scheduled maintenance requirements, you may be denied coverage. Before any repair is authorized, we may require you to furnish us with proof that you have properly maintained the vehicle as required. You are responsible for retaining the receipts identifying the vehicle, showing dates, odometer reading, services performed, year, make, model and vehicle identification number and providing them to us in the event of a claim. Failure to show proof of servicing may result in the denial of coverage. Maintenance costs are your responsibility.  Do it yourself maintenance is prohibited under the terms of the contract.

Are there claim limits?

LIMITS OF LIABILITY: For each claim / repair visit, OUR liability will in no event exceed the lesser of actual cash value of the vehicle immediately prior to the failure or the original MSRP of the vehicle. The aggregate of all coverages and benefits payable under this contract will not exceed the lesser of the price the contract holder paid for the vehicle or the original MSRP of the vehicle