Vehicle Protection

You’ve just made a large investment in a vehicle, RV, motorcycle, or boat. First Canadian has a range of products to help you protect that investment. We are the largest provider of aftermarket mechanical breakdown, security protection, and appearance protection products in Canada. We offer only the highest quality products that you can rely on when you need them most.

Mechanical breakdown protection - First Canadian Insurance

Mechanical Breakdown Protection

Get to where you want to be, worry free.

Vehicles today are built with thousands of specialized parts and hi-tech components.  With the cost of repairs increasing an average of 5% per year, an expensive repair can put a strain on your financial health.  Most manufacturer plans tend to cover the period of your vehicle’s life when things don’t break, and most often it’s not until after the manufacturer’s warranty period has expired that things start to go wrong.

A First Canadian Protection Plan (FCPP) can guard you against unplanned repair expenses.

Benefits Include:

  • Coverage in Canada and the continental United States.
  • Repair costs paid quickly and directly to the repair facility.
  • Transferable coverage if you sell your car to another individual.
  • Low deductibles – your choice of $100 or $200 deductible, reduced by $50 if repair is carried out by the selling dealer.  If the same component fails again, no deductible will be charged for its repair or replacement.

Optional Coverage:

With our optional Guarantee Price Rebate (GPR) or Experience Based Refund (EBR) plan, you can apply for a rebate of your premium, up to $2,000, at the end of your plan’s term if no mechanical or other benefit claims were made on that plan.

The original plan holder must still be the registered owner of the vehicle at time of rebate application.

Platinum shield protection - First Canadian Insurance

Platinum Shield Auto & RV Protection

Keep your vehicle looking and feeling like new.

Your new vehicle or RV has to battle the wear and tear of our harsh Canadian climate. Strong UV rays, extreme heat or cold, snow and ice, rain and humidity, road salt, and pollutants can harm your car’s beauty and its functions.

Platinum Shield’s market-leading technologies will defend your vehicle or RV’s exterior and interior against harsh conditions.

Interior Protection

Paint Protection

Rust Protection

Undercoat Protection

Interior Protection

A driver’s spilled coffee or a child’s sloppy snack are mishaps you can almost always expect for your car or RV’s interior, but what about bigger messes and more unexpected mishaps? A cut from a hockey skate, or a tear from a forgotten object in your pocket? An accidental spray that stains your headliner? With Platinum Shield Interior Protection, you can get:

  • Fabric Protection: An invisible barrier that prevents liquids from soaking in and ensures easy clean-up of spills. It penetrates individual fibres in the fabric to repel moisture and dirt and prevent permanent staining, while allowing the treated fabric to breathe. This treatment won’t change the colour or texture of the fabric or leave a residual odour.
  • Leather/Vinyl Protection: A penetrating conditioner that protects against cracking and hardening of leather or vinyl by locking in essential oils and pigments and screening against the sun’s powerful UV rays. The flat satin finish of a protected dashboard eliminates glare and reduces dust.
  • Rip, Tear or Burn Guarantee: An upgrade that guarantees against perforation due to accidental rips, tears or burns. It requires either Fabric or Leather/Vinyl Protection.
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Paint Protection

The sun's powerful UV rays will cause your vehicle or RV's paint to fade and the clear-coat finish on your vehicle or RV’s painted surface is uneven, allowing dirt, salt, pollutants, and moisture to get trapped. This can dull your vehicle or RV’s finish, ruin its look, and affect its resale value.

Platinum Shield Paint Protection is a long-lasting sealant that enhances the paint’s clear coating. It protects paint from fading by reflecting UV rays and its durable finish leaves the surface significantly smoother with no need for waxing.

An Environmental Paint Guarantee upgrade is available for vehicle plans which also protects against damage caused by acid rain, tree sap, and bird droppings.

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Rust Protection

Vehicles have many hard-to-reach crevices where moisture and dirt collect, creating ideal conditions for rust. Once it gets going, rust can adversely affect how your car performs and shorten its life. Platinum Shield offers two choices for holding rust at bay:

  • Rust Inhibitor Spray: A synthetic waterproof product that is sprayed into inner cavities and crevices. It bonds to metal, so it will not drip or run off. Since it is applied between the exterior and interior panels via existing holes in the doors, no drilling is required. This one-time application extends the life of your car. Guarantees against rust perforation that occurs from the inside out.
  • Corrosion Control Module: A new environmental approach to winning the war on rust. It consists of a microprocessor that generates a repetitive pulsing surface current which reduces the oxidation of metal. The current is distributed to both sides of the car's sheet metal panels, including the floorboards and above the window line. Areas that conventional products cannot reach, such as the roof and inseams, are also protected with this method. Guarantees against rust perforation that occurs from the inside out.

If you've also purchased Platinum Shield Protection, an Environmental Surface Rust Guarantee is available as an upgrade for either of the rust protection methods above. It guarantees you against rust from the inside out or the outside in, as well as against surface rust formation.

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Undercoat Protection

Canadian roads and weather conditions are hard on your vehicle. Deep puddles, uneven pavement, loose gravel, and road salt can all shorten the life of your vehicle's undercarriage.
Undercoat protection is specially formulated to preserve a car’s most vulnerable, high-impact areas. It seals out moisture and protects against road salt. Because of its pliability, it won’t crack, peel or chip.

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Platinum security protection - First Canadian Insurance

Platinum Security Protection

*Not available for sale in the Province of Québec

Keep thieves away from your vehicle.

Motor vehicle theft is one of the most common police-reported offences in Canada. According to Statistics Canada, in 2019, there were over 87,000 reported vehicle thefts across the country – that’s roughly 231 vehicles each day! Automobile theft costs Canadians approximately $1 billion per year.

Platinum Security Protection is an effective theft deterrent system to keep your car secure.  The system has 3 key components:

Thieves avoid vehicles with the Platinum Security Protection because it increases the likelihood of getting caught, makes the vehicle harder to sell, and makes the parts less profitable to chop-shops. Unlike other theft deterrents, there is no monitoring fee and protection cannot be disarmed, disabled or disconnected. Coverage is renewable for a subsequent term, and transferable if you sell your vehicle. Coverage varies by province and vehicle type. Please speak to your dealer for program information.

1. Warning Decal

2. ID Code

3. Theft Recovery

Warning Decal

Visible warning decals on the driver and front passenger windows identify the vehicle as being registered with a national theft prevention company and warn thieves that the vehicle's key components are marked. A professional thief will pass on a marked vehicle and focus instead on an unmarked one.

ID Code

A non-removable, police traceable identification code is permanently etched on all the major glass of your vehicle or imprinted onto selected body panels of your vehicle.
The identification code is registered into a national database that is cross-referenced to the manufacturer's Vehicle Identification Number (VIN), the selling dealership, and the vehicle's owner.

Theft Recovery

Platinum Security Protection also aids in recovering stolen vehicles and assists you with related expenses.
If the system fails to prevent theft and your vehicle is deemed a total loss, you will receive up to $5,000 towards a replacement vehicle at the selling dealer as well as rental vehicle and/or accommodation reimbursement if the vehicle was more than 150km from home at the time of theft.
If your vehicle is stolen and recovered, you will still receive up to $1,000 towards comprehensive deductive for the repair of damages, and up to $1,000 towards your home insurance deductible if you claim for property stolen from your recovered vehicle.

Platinum key & remote - First Canadian Insurance

Platinum Key & Remote Protection

*Not available for sale in the Province of Québec

An easy solution to lost, stolen, and damaged keys and remotes.

You’ve reached into your pocket and thought, “Oh no, where are my keys?”. Most times, you’ve just placed them somewhere else, but other times you’ve lost or damaged your keys. Vehicles today come with technologically advanced keys and remotes for better security and convenience. But the cost to repair or replace and reprogram them can be unexpectedly steep. Let First Canadian take care of this expense.

Our Platinum Key & Remote Exchange program covers the costs related to:

  • Deprogramming your previous key or remote
  • Purchasing your new/refurbished key or remote
  • Reprogramming your new key or remote

First Canadian offers up to 6 years of coverage on new and used vehicles. You’ll have a 30-day money back guarantee (less any claims paid), and coverage is transferable if you sell your vehicle. There is no deductible for Original Equipment Manufacturer (OEM) key or remote exchanges.

Platinum tire & rim protection - First Canadian Insurance

Platinum Tire & Rim Protection

*Not available for sale in the Province of Québec

Protect your tires and wheels from road hazards.

Over the course of their life, your tires will take a beating. Unfortunately, road hazards such as debris from other vehicles, nails and screws, fallen rocks, or broken glass can cause damage that prevents your tire or rim from even holding air.

Platinum Tire & Rim Protection provides up to 5 years of coverage for damage caused by road hazards, including:

  • Damaged tire or rim repair (including mounting, balancing, and installation costs as well as any taxes or levies)
  • Damaged tire or rim replacement if repairs cannot be done
  • Tire change or towing assistance

Coverage applies to both original and replacement tires.  Coverage is not prorated, is transferable, and there are no deductibles. Platinum Tire & Rim Protection is available for both new and used vehicles.

Autoguard protection - First Canadian Insurance


*Not available for sale in the Province of Québec

Dents, dings, scratches, cuts – don’t worry, we’ll fix them.

Imagine you hear the bang of a car door hitting your vehicle in the parking lot or getting back to your car and seeing a grocery cart scrape on the driver door? Instead of the sinking feeling in your gut when you realize your car’s damaged, you’re comforted by the knowledge that AutoGuard protects against these small but aggravating accidents.

AutoGuard covers the cost to repair:

  • Dents and dings up to 10cm in width or length that can be removed with the paintless dent and ding removal method.
  • Scratches up to 30cm in length on accessible exterior factory-painted vertical sheet metal body panels.
  • Accidental cuts, tears, and burns up to 5cm in length that penetrate the original leather, cloth, and vinyl upholstery.

AutoGuard keeps the interior and exterior of your vehicle looking and feeling new. Plus, you’ll maintain the value of your vehicle when you sell it, trade it in, or return it at the end of a lease. There’s no deductible, and our claims department won’t increase your insurance premium. Coverage is available for both new and used vehicles, and you get up to 12 claims per year.

Complaints - First Canadian Insurance

RV Guard

*Not available for sale in the Province of Québec

Premier protection and maintenance services to keep your adventure going!

Odds are you will experience at least a few types of damage while owning your recreational vehicle. RV Guard is designed to take the headache out of paying for common types of damage, and will help cover the costs associated with most:

  • Awning arms and fabric repairs or replacements
  • Roof vent repairs or replacements
  • Exterior dent and ding repairs
  • Repairs to cracking or peeling original exterior decals
  • Repairs to exterior scratches
  • Repairs to interior cuts, tears, and burns
  • Tire and rim repairs or replacements
  • Exterior light repairs or replacements
  • Front windshield repairs or replacements
  • Lost, stolen or damaged keys and remotes

RV Guard provides up to 6 years of protection, and is available for both new and pre-owned RVs. You’re covered for up to $10,000 worth of benefits. 

Complaints - First Canadian Insurance

Platinum WheelGuard

*Only available for sale in the province of Ontario

A better solution against tire and rim theft.

Tire and rim thefts are becoming more common. Your wheels can go missing any time of day, usually with your vehicle parked on your own driveway. It can be a quick event for an educated thief, even if you have locking wheel nuts.

Platinum WheelGuard is an effective deterrent against the theft of tires and rims. You will never need to deal with the frustrations associated with locking wheel nuts, and will have comfort knowing you are protected against loss.

Key components of the deterrent system:

  • A police traceable ID code affixed on each of the vehicle’s rims. The ID code gets registered in a national database.
  • Warning Decals are affixed to the front driver and passenger windows, identifying that the vehicle’s wheels are traceable.

Unlike locking wheel nuts, no mechanic or special tools are needed for installation, this doesn’t alter the look of your wheels, and there are benefits available to you if the system fails to prevent theft.

Platinum security protection - First Canadian Insurance

Millennium Asset Protection

*Not available for sale in British Columbia, the Northwest Territories, Nunavut, Yukon, or Québec

Protect your financial future with our write-off assistance program.

What happens if your vehicle is ruled a total loss? Will your insurance company provide a payout that covers the full balance owing on your finance contract? Probably not. Insurance companies usually calculate the payout based on the current market value of the vehicle, so it’s possible that the payout will be less than the amount still owing on the vehicle at the time of total loss. You are responsible to pay the difference between the insurance payout and the amount still owing on the finance contract. 

In the event of a total loss of the vehicle, Millennium Asset Protection intends to reduce (possibly eliminate) the difference between the outstanding loan amount and the amount paid by your primary insurance policy for the vehicle (to a maximum of $30,000).

MAP covers new and pre-owned:

  • Private passenger vehicles
  • Light commercial use passenger vehicles
  • Recreational vehicles (campers, motorhomes)
  • Power sport vehicles (ATVs, motorcycles)

Coverage is available on finance amounts up to $150,000.

Replacement Insurance

*Only available for sale in the Province of Québec

Protect yourself against depreciation

Be confident knowing that you won’t lose out if your vehicle is written off. Complementary Replacement Insurance allows you to replace your passenger or leisure vehicle with a new vehicle of the current model year if written off during the coverage term.

Need repairs covered because of a collision or damage resulting from vandalism? Coverage ensures you can access new, original manufacturer’s parts (new vehicles only).

What about pre-owned vehicles? Coverage pays out an indemnity representing the difference between the actual cash value at time of loss and the marked-up value of your vehicle ensuring you can get a similar replacement vehicle.

What else can Replacement Insurance offer you?

  • Up to 7 years of protection at one up-front price
  • Coverage that doesn’t consider your driving record or claims history
  • Deductible reimbursement coverage against your primary insurance policy
  • Reimbursement of vehicle rental expenses
  • The option to cancel your coverage at any time

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