Purpose-Built Protection for the Trucks That Drive Business
Legacy Truck Warranties provide fully insured aftermarket mechanical breakdown protection for eligible used Class 5 to 8 commercial trucks. Coverage generally works out to roughly 3 to 7 cents per kilometre, depending on the warranty selected: protection measured in cents, value measured in uptime.
A major failure costs more than the repair invoice
Downtime disrupts routes, delays contracts, and puts pressure on working capital long after the truck leaves the shop.
The program is designed to help owners manage the financial risk associated with unexpected covered component failures after the manufacturer's warranty has expired, or where limited factory coverage remains.
A Legacy Truck Warranty helps eligible owners transfer a defined portion of that mechanical breakdown risk to an insured warranty program.
- Class 5-8
- Eligible vehicle range
- Used trucks
- Post-factory coverage
- Insured
- Backed warranty program
- Ontario
- First market at launch
Built for commercial use, not adapted from consumer coverage
Coverage is subject to the applicable contract, vehicle inspection or qualification requirements, maintenance obligations, exclusions, deductibles, limits, and claim authorization procedures.
- Long-distance transportation
- Regional and local delivery
- Construction and vocational use
- Fleet operations
- Owner-operator businesses
- Used truck sales and financing
Structured protection for major systems
Depending on the plan selected, coverage may include specified components within the following areas.
Engine
Specified internal engine components and supporting assemblies.
Transmission
Listed transmission components and internal drivetrain parts.
Drive Axle
Differential and drive axle components identified in the contract.
Turbocharger
Turbocharger system components subject to plan selection.
Fuel System
Covered fuel delivery and injection system components.
Cooling
Specified cooling system components and related hardware.
Electrical
Listed electrical components supporting vehicle operation.
Aftertreatment
Selected aftertreatment or emissions-related components.
All coverage descriptions are general. The warranty contract governs all covered components, exclusions, conditions, limits, and claim obligations.
Vehicle eligibility
Not every truck or operating application will qualify. A Legacy representative or authorized program partner can help determine whether a specific vehicle meets program requirements.
- Vehicle class, make, and model
- Model year and odometer or hours
- Vehicle condition and inspection results
- Intended commercial use
- Maintenance history
- Existing modifications and plan selected
Clear terms and defined protection
Legacy warranty contracts are written to document exactly what is covered and what is required.
- Covered components and exclusions
- Contract term and coverage limits
- Deductibles and owner obligations
- Claim procedures and authorizations
Maintenance responsibilities
Warranty holders maintain the truck to manufacturer recommendations and keep records for services such as:
- Oil, filter, and fluid services
- Cooling and transmission servicing
- Inspection reports and repair invoices
- Preventive and diagnostic work
Review the full warranty contract before purchase. Failure to maintain the vehicle or provide required documentation may affect claim eligibility.
The warranty process
Vehicle Information
The truck's year, make, model, mileage, specifications, use, and ownership information are submitted.
Eligibility Review
The vehicle is reviewed against applicable program requirements.
Quote and Plan Selection
Available warranty options are presented based on vehicle eligibility and selected protection.
Application and Documentation
The application is completed through the Legacy digital platform.
Warranty Activation
Coverage begins according to the effective date and conditions stated in the warranty contract.
Claims Support
If a covered mechanical issue occurs, the warranty holder or repair facility contacts the claims administrator before repairs are completed.
Important claim requirement
Repairs should not begin until the claim has been reported and authorization has been received from the claims administrator. Unauthorized diagnosis, teardown, or repairs may not be eligible for reimbursement.
A more predictable approach to mechanical risk
Legacy Truck Warranties cannot prevent mechanical failures, but they can help qualified owners plan for them.
Protect the truck that protects your business.
Unexpected repairs can affect more than a balance sheet. Contact your Legacy Authorized Commercial Finance Professional about coverage for eligible Class 5 to 8 commercial trucks.