Nova Direct is an online insurance company that provides coverage for home, auto, and business insurance in Canada. They are based in Toronto, Canada and are a subsidiary of The Co-operators Group Ltd. They offer competitive rates and coverage options to customers across the country. They also provide customer service and support through their online portal and also through a toll-free number.
Our product ratings for Nova direct
Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.
Gadget insurance
5 products reviewed
Mobile phone insurance
5 products reviewed
Nova direct
Basic Cover
| Feature | Value |
|---|---|
| Maximum excess |
N/A
|
| Accidental loss cover | No |
| Mechanical breakdown cover | Yes |
| Maximum single-item cover limit |
£1,000.00
|
| Type of product |
Stand-Alone
|
| Mechanical breakdown cover replacement limit |
£1,000.00
|
| Theft replacement limit |
£0.00
|
Nova direct
Gadget Gold Cover
| Feature | Value |
|---|---|
| Maximum excess |
N/A
|
| Accidental loss cover |
Y - Excluding laptops
|
| Mechanical breakdown cover | Yes |
| Maximum single-item cover limit |
£4,000.00
|
| Type of product |
Stand-Alone
|
| Mechanical breakdown cover replacement limit |
£4,000.00
|
| Theft replacement limit |
£4,000.00
|
Nova direct
Gadget Platinum Cover
| Feature | Value |
|---|---|
| Maximum excess |
N/A
|
| Accidental loss cover |
Y - Excluding laptops
|
| Mechanical breakdown cover | Yes |
| Maximum single-item cover limit |
£2,000.00
|
| Type of product |
Stand-Alone
|
| Mechanical breakdown cover replacement limit |
£2,000.00
|
| Theft replacement limit |
£2,000.00
|
Nova direct
Bronze Cover
| Feature | Value |
|---|---|
| Maximum excess |
N/A
|
| Accidental loss cover | No |
| Mechanical breakdown cover | Yes |
| Maximum single-item cover limit |
£1,000.00
|
| Type of product |
Stand-Alone
|
| Mechanical breakdown cover replacement limit |
£1,000.00
|
| Theft replacement limit |
£1,000.00
|
Nova direct
Silver Cover
| Feature | Value |
|---|---|
| Maximum excess |
N/A
|
| Accidental loss cover |
Y - Excluding laptops
|
| Mechanical breakdown cover | Yes |
| Maximum single-item cover limit |
£1,000.00
|
| Type of product |
Stand-Alone
|
| Mechanical breakdown cover replacement limit |
£1,000.00
|
| Theft replacement limit |
£1,000.00
|
Home emergency cover
4 products reviewed
Boiler Breakdown Cover
4 products reviewed
- Home Emergency Insurance (Gold XS)
- Home Emergency Insurance (Gold)
- Home Emergency Insurance (Platinum XS)
- Home Emergency Insurance (Platinum)
Nova direct
Home Emergency Insurance (Gold XS)
| Feature | Value |
|---|---|
| Minimum excess |
£100.00
|
| Premium (minimum excess applied) |
£5.99
|
| No claims period (Boiler) |
30.00
|
| Boiler repair cover limit |
£500.00
|
| No claims period |
30.00 days
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. |
£0.00
|
| Getting access and reinstatement |
£0.00
|
| Type of pricing |
Static
|
| Maximum excess |
£100.00
|
| Premium (maximum excess applied) |
£5.99
|
| Underwriter |
Financial & Legal Insurance Company Limited
|
| Unoccupied period |
60
|
| Individual call out cover limit for boiler repairs |
£500.00
|
| Time limit |
N/A
|
| Temporary emergency heating |
£0.00
|
| Boiler age exclusions |
15.00
|
| No claims period for boiler replacement |
30.00
|
| Boiler replacement (BER) within 0-4 years cover limit |
£0.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. |
£0.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. |
£0.00
|
| Boiler replacement (BER) within 8-10 years cover limit |
£0.00
|
| Boiler replacement (BER) 11-15 years cover limit |
£1.00
|
| Primary flue | Yes |
| Boiler controls | No |
| Alternative accommodation cover |
£500.00
|
| Internal gas supply pipe cover | No |
| Annual boiler service | No |
| Repairs guarantee |
Not Mentioned
|
| 24/7 claims helpline | Yes |
| Primary heating system | Yes |
| Date of price collection |
2026-03-10
|
| Plumbing & drainage cover | Yes |
| Electrical breakdown | Yes |
| Pest | No |
| Security | Yes |
Nova direct
Home Emergency Insurance (Gold)
| Feature | Value |
|---|---|
| Minimum excess |
£0.00
|
| Premium (minimum excess applied) |
£7.99
|
| No claims period (Boiler) |
30.00
|
| Boiler repair cover limit |
£500.00
|
| No claims period |
30.00 days
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. |
£0.00
|
| Getting access and reinstatement |
£0.00
|
| Type of pricing |
Static
|
| Maximum excess |
£0.00
|
| Premium (maximum excess applied) |
£7.99
|
| Underwriter |
Financial & Legal Insurance Company Limited
|
| Unoccupied period |
60
|
| Individual call out cover limit for boiler repairs |
£500.00
|
| Time limit |
N/A
|
| Temporary emergency heating |
£0.00
|
| Boiler age exclusions |
15.00
|
| No claims period for boiler replacement |
30.00
|
| Boiler replacement (BER) within 0-4 years cover limit |
£0.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. |
£0.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. |
£0.00
|
| Boiler replacement (BER) within 8-10 years cover limit |
£0.00
|
| Boiler replacement (BER) 11-15 years cover limit |
£1.00
|
| Primary flue | Yes |
| Boiler controls | No |
| Alternative accommodation cover |
£500.00
|
| Internal gas supply pipe cover | No |
| Annual boiler service | No |
| Repairs guarantee |
Not Mentioned
|
| 24/7 claims helpline | Yes |
| Primary heating system | Yes |
| Date of price collection |
2026-03-10
|
| Plumbing & drainage cover | Yes |
| Electrical breakdown | Yes |
| Pest | No |
| Security | Yes |
Nova direct
Home Emergency Insurance (Platinum XS)
| Feature | Value |
|---|---|
| Minimum excess |
£75.00
|
| Premium (minimum excess applied) |
£9.99
|
| No claims period (Boiler) |
30.00
|
| Boiler repair cover limit |
£500.00
|
| No claims period |
30.00 days
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. |
£0.00
|
| Getting access and reinstatement |
£0.00
|
| Type of pricing |
Static
|
| Maximum excess |
£75.00
|
| Premium (maximum excess applied) |
£9.99
|
| Underwriter |
Financial & Legal Insurance Company Limited
|
| Unoccupied period |
60
|
| Individual call out cover limit for boiler repairs |
£500.00
|
| Time limit |
N/A
|
| Temporary emergency heating |
£0.00
|
| Boiler age exclusions |
15.00
|
| No claims period for boiler replacement |
30.00
|
| Boiler replacement (BER) within 0-4 years cover limit |
£0.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. |
£0.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. |
£0.00
|
| Boiler replacement (BER) within 8-10 years cover limit |
£0.00
|
| Boiler replacement (BER) 11-15 years cover limit |
£1.00
|
| Primary flue | Yes |
| Boiler controls | No |
| Alternative accommodation cover |
£500.00
|
| Internal gas supply pipe cover | No |
| Annual boiler service |
Covered as Standard
|
| Repairs guarantee |
Not Mentioned
|
| 24/7 claims helpline | Yes |
| Primary heating system | Yes |
| Date of price collection |
2026-03-10
|
| Plumbing & drainage cover | Yes |
| Electrical breakdown | Yes |
| Pest | No |
| Security | Yes |
Nova direct
Home Emergency Insurance (Platinum)
| Feature | Value |
|---|---|
| Minimum excess |
£0.00
|
| Premium (minimum excess applied) |
£13.99
|
| No claims period (Boiler) |
30.00
|
| Boiler repair cover limit |
£500.00
|
| No claims period |
30.00 days
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. |
£0.00
|
| Getting access and reinstatement |
£0.00
|
| Type of pricing |
Static
|
| Maximum excess |
£0.00
|
| Premium (maximum excess applied) |
£13.99
|
| Underwriter |
Financial & Legal Insurance Company Limited
|
| Unoccupied period |
60
|
| Individual call out cover limit for boiler repairs |
£500.00
|
| Time limit |
N/A
|
| Temporary emergency heating |
£0.00
|
| Boiler age exclusions |
15.00
|
| No claims period for boiler replacement |
30.00
|
| Boiler replacement (BER) within 0-4 years cover limit |
£0.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. |
£0.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. |
£0.00
|
| Boiler replacement (BER) within 8-10 years cover limit |
£0.00
|
| Boiler replacement (BER) 11-15 years cover limit |
£1.00
|
| Primary flue | Yes |
| Boiler controls | No |
| Alternative accommodation cover |
£500.00
|
| Internal gas supply pipe cover | No |
| Annual boiler service |
Covered as Standard
|
| Repairs guarantee |
Not Mentioned
|
| 24/7 claims helpline | Yes |
| Primary heating system | Yes |
| Date of price collection |
2026-03-10
|
| Plumbing & drainage cover | Yes |
| Electrical breakdown | Yes |
| Pest | No |
| Security | Yes |