Extended Warranties: What They Cover and How to Claim

An extended warranty or service plan is a separate contract, often sold by the store, the manufacturer or a third-party company.

Before you buy, check

• Who provides it: the store, the manufacturer, or a third party?
• What is covered: parts, labour, accidental damage?
• Exclusions: wear and tear, misuse, pre-existing problems.
• Deductibles and claim limits.
• Cancellation: can you cancel for a refund?

Your rights without one

Goods must be of merchantable quality and fit for purpose under Ontario law. A product that fails unreasonably early may be covered anyway.

Making a claim

1. Follow the claim process in the contract.
2. Keep receipts and records of the problem.
3. If refused, ask for the reason in writing, with the clause relied on.

If the claim is refused unfairly

A written complaint, then Consumer Protection Ontario, and then Small Claims Court are options.

Sources

• Consumer Protection Act, 2002
• Sale of Goods Act (Ontario)

Read next: Ending a Car Lease Early in Ontario: Your Options

General Ontario legal information, not legal advice for your matter, and reading it does not create a retainer. Sources checked 16 October 2026: check the current law, forms and dates before you act.

Photos from Unsplash: a close up of a typewriter with a piece of paper on it · Groom signing marriage certificate with bride beside him.

This article is general information for people in Ontario, not legal advice. Rules, forms and deadlines change, and every situation is different. Check the current rule or speak to a licensed legal professional before you act.