Nova direct


N
ova 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.

Nova direct

We don't currently rate Nova direct in our Customer Experience Ratings.

Gadget insurance

Nova direct

Gadget Platinum Cover

4 stars
Accidental loss cover i Y - Excluding Laptops
Mechanical breakdown cover i
Maximum single-item cover limit i £2,000.00
Type of product i Stand-Alone
Territorial limits restriction i
Accidental damage cover i
Mechanical breakdown cover replacement limit i £2,000.00
Theft Cover i
Theft replacement limit i £2,000.00
Malicious damage cover i
Unauthorised usage cover i £0.00
Unauthorised usage cover (E-wallet) i £0.00
Accessories cover limit i £0.00
How is the excess charged? i Standard excess applied to all gadgets and claim types
Lowest excess i £50.00
Liquid damage excess i £50.00
Theft & loss claims excess i £50.00
Accidental damage and breakdown claims excess i £50.00
Cancellation fee i £9.98
Arrangement fee i £0.00
Additional early claims excess i £0.00
Immediate cover with no additional excess in the first 30 days of the policy i
High end smartphones (>£1,000) minimum excess i £50.00
High end tablets (>£1,200) minimum excess i £50.00
High end laptops (>=£1,500) minimum excess i £50.00
High end MacBooks (>=£1,500) minimum excess i £50.00
Rapid replacement i
Pro-rata refund i
Claim under warranty i
Replacement claims limit per Item for accidental damage/mechanical failure i Unlimited
Replacement claims limit per Item for theft or loss i Unlimited
Replacement warranty i No new warranty or extension on replaced items
International cover limit (Days) i 90.00 days
Universal gadget policy? i
Family cover i
Multi cover discounts i
Underwriter i Financial & Legal Insurance Company Limited
Age of customer requirement i 18.00 years
No claims period i Immediate Cover
Refurbished device cover i
Second hand device cover i
Territorial limits restriction i Worldwide
Maximum age of phones i Unlimited
Maximum age of gadgets eligible for cover i Unlimited
Smartphones i
Tablets i
Smart watches i
Game Consoles i
Headphones i
Cameras i
E-readers i
Sat-Navs i
MP3 Players i
MacBooks or Laptops

Nova direct

Gadget Gold Cover

2 stars
Accidental loss cover i Y - Excluding Laptops
Mechanical breakdown cover i
Maximum single-item cover limit i £2,000.00
Type of product i Stand-Alone
Territorial limits restriction i
Accidental damage cover i
Mechanical breakdown cover replacement limit i £2,000.00
Theft Cover i
Theft replacement limit i £2,000.00
Malicious damage cover i
Unauthorised usage cover i £0.00
Unauthorised usage cover (E-wallet) i £0.00
Accessories cover limit i £0.00
How is the excess charged? i Standard excess applied to all gadgets and claim types
Lowest excess i £150.00
Liquid damage excess i £150.00
Theft & loss claims excess i £150.00
Accidental damage and breakdown claims excess i £150.00
Cancellation fee i £9.98
Arrangement fee i £0.00
Additional early claims excess i £0.00
Immediate cover with no additional excess in the first 30 days of the policy i
High end smartphones (>£1,000) minimum excess i £150.00
High end tablets (>£1,200) minimum excess i £150.00
High end laptops (>=£1,500) minimum excess i £150.00
High end MacBooks (>=£1,500) minimum excess i £150.00
Rapid replacement i
Pro-rata refund i
Claim under warranty i
Replacement claims limit per Item for accidental damage/mechanical failure i Unlimited
Replacement claims limit per Item for theft or loss i Unlimited
Replacement warranty i No new warranty or extension on replaced items
International cover limit (Days) i 90.00 days
Universal gadget policy? i
Family cover i
Multi cover discounts i
Underwriter i Financial & Legal Insurance Company Limited
Age of customer requirement i 18.00 years
No claims period i 14.00 days
Refurbished device cover i
Second hand device cover i
Territorial limits restriction i Worldwide
Maximum age of phones i Unlimited
Maximum age of gadgets eligible for cover i Unlimited
Smartphones i
Tablets i
Smart watches i
Game Consoles i
Headphones i
Cameras i
E-readers i
Sat-Navs i
MP3 Players i
MacBooks or Laptops

Home emergency cover

Nova direct

Home Emergency Insurance (Gold)

1 stars
Home Security Cover i
Home Emergency Cover limit i £500.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover i
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Stand Alone
Alternative Accommodation Cover i £500.00
Unoccupied period i 60
Claims limit i Unlimited

Nova direct

Home Emergency Insurance (Platinum)

1 stars
Home Security Cover i
Home Emergency Cover limit i £500.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover i
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Stand Alone
Alternative Accommodation Cover i £500.00
Unoccupied period i 60
Claims limit i Unlimited