New Vehicle Replacement.
If your new vehicle is totaled, we pay to replace it with a brand-new equivalent — not the depreciated value.
Everything you'd expect. Nothing you don't.
Plain-English coverage, no 40-page policy wording to decode.
New-for-old replacement
If totaled, replaced with a brand-new equivalent.
No depreciation
Payouts are not reduced by depreciation for covered total losses.
Premium trim match
Your new car matches the trim and options of the one lost.
Renewable annually
Stays in effect for up to 5 years from original purchase date.
Three steps. One coffee.
Quote
2 minAnswer four questions — postal code, property, move-in date, occupants.
Customize
30 secSlide your limits, pick optional add-ons. Price updates live.
Bind & download
10 secPay, and your policy documents land in your inbox instantly.
Questions we hear most.
How long does replacement cover last?
Typically up to 5 years from original purchase date.
What counts as a total loss?
When repair costs exceed a set percentage of the vehicle's value — we'll explain thresholds in your policy.
Can I add this later?
Only at or near original purchase. Contact an advisor if you're unsure.
Ready to get covered?
Quote in under 5 minutes. Bind online. Zero phone calls.