Warranty and Protection
New Vehicle Replacement
Pitcher and Doyle Protect is designed to provide you with peace of mind in the event of a total vehicle loss. Whether due to an accident, theft, or other unexpected events, P&D Protect ensures that you can replace your vehicle without suffering a financial setback.
Why P&D Protect?
Have you ever considered how an accident might affect the resale value of your vehicle? Vehicles typically depreciate by about 10% each year. If your vehicle is deemed a total loss, your primary insurer will provide a settlement based on the vehicle’s current depreciated value.
Replacement car insurance ensures that if your vehicle is written off by your primary insurer, it will be replaced, or you will be fully compensated at its original value. Unlike standard car insurance, which only provides the depreciated value— often just 75-80% of the original price.
To Protect your vehicle, you can opt for either New Vehicle Replacement insurance or Limited Depreciation:
New Vehicle Replacement
Get the brand-new model of your vehicle
Limited Depreciation
Get a vehicle with the same purchase price as your pre-owned current vehicle, plus up to an additional 25% after a total loss
Who Can Benefit
New Car Owners
Protect your investment from
depreciation the moment you
drive off the lot.
Leasing Customers
Avoid costly lease-end fees by
ensuring your vehicle is replaced
with a similar model.
Loyal Drivers
If you’re attached to your
current vehicle model, Protect
ensures you can replace it with
a new one in case of a total loss.
Coverage Features
Flexible Terms
- Complete Coverage: If your vehicle is totaled or stolen, we’ll cover the cost to replace it with a brand new one, not just the depreciated value.
- No Depreciation: Unlike standard auto insurance, we ensure you receive the full value of a new vehicle of the same make and model
Full Vehicle Replacement Value
- Complete Coverage: If your vehicle is totaled or stolen, we’ll cover the cost to replace it with a brand new one, not just the depreciated value.
- No Depreciation: Unlike standard auto insurance, we ensure you receive the full value of a new vehicle of the same make and model
Additional Coverage Options
- Upgrade Value Package: Unlimited partial loss deductible reimbursement, top-up rental reimbursement up to $2,500 per year, lost key fob protection $500 one-time use.
- OEM Parts: Original parts coverage for up to $10,000 and $1,000 for labour.
- Loan Protection: In the case of a total loss, reimburse lender for outstanding loan amount up to $30,000.
- Diminished Value: If repairs exceed 25% of the value of the car, a one-time compensation of 10% the vehicle value
Seamless Claims Process
Quick and Easy: Our streamlined claims process ensures fast resolution so you can get back on the road with minimal disruption.
Dedicated Support: Our team of experts is available to guide you through every step of the claim, from start to finish
To start you claims process, submit a claim through our claims form below.
Don’t wait until it’s too late! Protect your vehicle and your financial well-being with P&D Protect New Vehicle Replacement Insurance.
Contact your Pitcher & Doyle advisor today to learn how to add P&D Protect to your policy.
Find out how we can help
Contact one of our Expert advisors today