Built for Commercial Trucks. Designed for Commercial Finance.
Legacy was built first and foremost to support Canada's commercial finance professionals and their customers, giving lenders, equipment finance professionals, truck dealers, and leasing companies a fully insured aftermarket warranty solution for eligible Class 5 to 8 trucks.
Supporting the value of financed assets
Commercial trucks are specialized, high-value assets operating in demanding environments.
When an unexpected mechanical failure occurs, the borrower may face a large repair cost at the same time the vehicle is no longer generating revenue. That combination can affect payment performance, asset condition, and the long-term success of the financing relationship.
A structured warranty solution can help reduce exposure to eligible covered repair expenses and support better asset protection.
- Fully insured
- Warranty structure
- Class 5-8
- Eligible equipment
- Digital
- Quote to contract
- Canada
- Built for Canada
A powerful risk-mitigation tool for used-truck lending
Legacy is one of the most valuable risk-mitigation tools available to commercial lenders financing used trucks. While it does not replace sound credit, collateral, inspection or underwriting practices, it adds an important layer of protection around the financed asset and the borrower's ability to remain operational.
- Protect eligible financed assets against major covered mechanical failures
- Reduce the risk that a large, unexpected repair bill disrupts loan payments
- Help owner-operators and fleets maintain operations, revenue and cash flow
- Build greater lender confidence in used-truck transactions
What the program adds to a used truck sale
A credible warranty program supports the used truck sales process by giving qualified buyers access to protection beyond the vehicle itself.
Buyer Confidence
Qualified buyers gain access to defined protection beyond the vehicle sale.
Inventory Value
Differentiate eligible used units and support stronger transaction value.
Finance Support
Give lenders a clearer picture during finance approval conversations.
Post-Sale Clarity
Reduce uncertainty around major mechanical failures after delivery.
Eligibility, coverage, and pricing are determined by the applicable program requirements and the warranty contract for each vehicle.
Built for commercial finance workflows
The Legacy Truck Warranty digital platform was developed to support the speed, documentation, and compliance requirements of commercial equipment transactions.
- Producing coverage options
- Entering vehicle information
- Reviewing available programs
- Completing applications
- Generating documentation
- Managing transaction records
- Tracking warranty status
- Accessing administrative support
Built right from the beginning
Legacy was developed over nearly two years with Acera Insurance and specialized industry partners to ensure the program was structured properly from day one. It is a fully insured program with full risk transfer, not an informal reserve fund or dealer-backed promise. Compliance, accountability and long-term program stability were built into its foundation, including:
- Fully insured risk structure and professional underwriting
- Full transfer of covered warranty risk
- Commercial-grade contracts and documentation
- Alignment with applicable provincial regulatory requirements
- Clearly defined claims, authorization and payment procedures
Warranty as part of the transaction
Coverage may be included in an eligible purchase or financing transaction. All parties should clearly disclose:
- Warranty cost shown to the customer
- Coverage details and contract terms
- Financing implications where applicable
- Cancellation and transfer conditions
Inclusion of warranty coverage remains subject to applicable lending, insurance, program, and regulatory requirements.
A partner program designed to fit the way you already work
Legacy works with approved lenders, dealers, leasing companies, and commercial finance professionals to integrate warranty coverage into existing sales and financing workflows.
How partner onboarding works
Getting started with Legacy is straightforward. We help commercial finance professionals integrate the program into their existing sales and financing process.
Register to Become a Legacy Partner
Complete the online partner registration form. Once approved, your organization receives its program agreement and onboarding package.
Access the Platform
Your team receives secure login credentials and practical training on quoting, applications, disclosures and recordkeeping.
Integrate Legacy into Your Workflow
We help incorporate Legacy into your existing financing process, making it easy to offer protection consistently on eligible transactions.
Prepare to Support Customers
Your team learns the documentation and claims-reporting requirements needed to guide customers before and after the sale.
Receive Ongoing Support
Legacy provides continuing sales, program, compliance and administrative support throughout the partnership.
Ready to get started?
For commercial finance brokers, lenders, dealers and leasing professionals.
Program participation is limited to authorized partners. Access to the digital platform, quoting tools, and program documentation is provided once onboarding is complete.
A better warranty option for the heavy-duty market
Legacy was created to give dealers and finance professionals a credible, structured, and commercially relevant option for used commercial truck transactions.
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.