Appearance Protection

Keep your vehicle looking good.

Even small dents, dings, and interior tears affect how your vehicle looks — and what it’s worth down the road. Appearance Protection makes it easy and affordable to repair minor damage quickly, so your vehicle keeps looking good for years to come.

Ask for Optiom Appearance Protection when you buy or lease your next vehicle.

Detailer polishing high-gloss vehicle panel on dealership lot
#1 in Canada
Specialty Vehicle Replacement
600,000+ Policies
Sold across Canada to date
New & Pre-Owned
Most vehicles qualify
Available at Dealerships
Add it at point of sale

Why It Matters

Appearances Matter.

Even small dents, dings, and interior tears can affect your vehicle’s appearance and its long-term value. Appearance Protection helps preserve your investment by making it easy and affordable to repair minor damage quickly, ensuring it stays looking good for years to come.

An Interesting But Alarming Statistic

Minor cosmetic damage — dents, upholstery stains, and windshield chips — is the most common form of vehicle damage Canadians experience, and repair costs can add up to hundreds of dollars per incident.
Close-up of clean vehicle interior upholstery in soft light

Your Next Move

Ask for Optiom Appearance Protection when you buy or lease.

Appearance Protection is available exclusively through Optiom's partner dealerships. Ask your dealer for it by name when you're closing on your next vehicle — it's added to your paperwork right there at delivery.

Call 1-844-427-7587
Trusted Protection Solutions

Canada’s Largest Provider of Specialty Vehicle Insurance.

Originating in British Columbia since 2008 and now headquartered in Calgary, Alberta, Optiom has grown to deliver dependable protection through an extensive national network of dealerships, with well over 600,000 policies sold to date.

Optiom provides Canadians with specialized insurance solutions built on a system of stability, expertise, and a proven commitment to customer support.

600K+
Policies Sold
100+
Employees
2008
Founded in BC
Coverage Details

How Appearance Protection Pays Out for You.

Three everyday coverages under one plan — the kind of damage that happens in parking lots, driveways, and school runs. Choose a 2-year or 3-year term at the dealership.

Paintless Dent & Ding

Repair coverage for minor exterior dents up to 2″ × 2″ in diameter, as determined by an Authorized Technician. The everyday parking-lot damage every driver deals with — resolved without out-of-pocket cost.

  • Minor dents & dings up to 2″ × 2″

  • Paintless repair by an authorized tech

  • No out-of-pocket repair cost

Upholstery Protection

Interior repair coverage for unexpected spills, stains, minor rips and tears, scuffs, burns, and scratches — including damage caused by pets.

  • Spills, stains, rips & tears

  • Scuffs, burns & scratches

  • Pet damage included

Glass Deductible Reimbursement

If you pay a deductible to your primary auto insurer for a glass claim, Optiom reimburses up to $500 per eligible claim.

  • Up to $500 per eligible claim

  • Applies to windshield & glass repairs

  • AB: requires S.E.F. No.13D endorsement

Your Term Options

Two Terms. Clear Limits.

Coverage2 Year3 Year
Paintless Dent/Ding2 claims max$3,7503 claims max$5,000
Upholstery2 claims max$3,7503 claims max$5,000
Glass Deductible1 claim max$5002 claims max$500/claim
Couple reviewing monthly payment plan with dealer
Flexible Payment Options

Pay monthly with Bamboo Premium Financing

Don’t want to pay your Optiom policy up front? You don’t have to. Through our partnership with Bamboo Premium Financing, you can spread the cost of your coverage into affordable monthly payments — with fast approvals, fair rates, and a friendly Canadian team behind every application.

  • Fast approvals so your coverage starts without delay
  • Affordable interest rates built for the Canadian market
  • Manageable monthly payments — no lump sum required

Financing is provided by Bamboo Premium Financing Inc. Approval, terms and rates are determined by Bamboo and are subject to credit review.

Program Eligibility

Is Your Vehicle Eligible?

Most private passenger vehicles qualify. Here’s what your dealer will check when you’re adding Appearance Protection to your purchase.

  • Your vehicle must be 5 years old or newer at time of enrollment.
  • Maximum purchase price of $300,000 including taxes.

Vehicle & Purchase Requirements

  • Your vehicle must be 5 years old or newer at time of enrollment.
  • Maximum purchase price of $300,000 including taxes.

Vehicle Condition & Use

  • No unrepaired, pre-existing physical damage; never declared a total loss, reconstructed, rebuilt, or salvage.
  • Classed as a private passenger automobile, sport, luxury, car, mini-van, SUV, or pick-up truck — used solely for personal and/or business use.
PDF
Take It With You
Download the Appearance Protection brochure
Everything you need at the dealership - coverage details, term options, and eligibility rules - in a printable PDF.
Frequently Asked Questions

Questions About Appearance Protection.

Everything you need to know before adding it to your next vehicle purchase.

What does Appearance Protection actually cover?

Three everyday coverages under one plan: Paintless Dent & Ding (minor exterior dents up to 2″ × 2″), Upholstery Protection (spills, stains, rips, tears, scuffs, burns, and scratches — including pet damage), and Glass Deductible Reimbursement (up to $500 per eligible claim). Choose a 2-year or 3-year term at the dealership.

Contact Optiom’s claims team when damage occurs. We’ll walk you through the process and connect you with an Authorized Technician for the repair. Most claims are handled directly between Optiom and the repair facility, so you’re not stuck coordinating estimates or fronting the cost. Call 1-844-427-7587 to start a claim.

No. Appearance Protection is a specialty product that sits alongside your primary auto policy. It covers the smaller, everyday damage your regular insurance typically won’t touch — the dents, stains, and windshield deductibles that would otherwise come out of your pocket. Think of it as filling in the difference on the cosmetic side.

Yes. Upholstery Protection specifically includes damage caused by pets — scratches, tears, and other interior damage from a dog or cat riding in your vehicle. This is one of the coverages families and pet owners tell us they use the most.

Your vehicle must be 5 years old or newer at time of enrollment, with a maximum purchase price of $300,000 including taxes. It must be a private passenger vehicle (car, SUV, mini-van, sport, luxury, or pick-up truck) with no unrepaired pre-existing damage and no history of being declared a total loss, reconstructed, rebuilt, or salvage.

Appearance Protection is added at the dealership when you buy or lease your vehicle — it’s built into your paperwork at delivery. It’s not something you can buy directly from Optiom or add later on. Ask your dealer for Optiom Appearance Protection by name during F&I.

The 3-year term gives you more claims and higher total limits. For Paintless Dent/Ding and Upholstery, the 2-year allows 2 claims up to $3,750, while the 3-year allows 3 claims up to $5,000. For Glass Deductible Reimbursement, the 2-year covers 1 claim up to $500; the 3-year covers 2 claims at up to $500 each. Your dealer can walk you through which term fits how long you plan to keep the vehicle.

Also from Optiom

More Ways to Protect Your Vehicle

Vehicle Replacement Insurance

Bridges the gap between the market value after a total loss and the actual cost to replace your vehicle.

Tire & Rim Protection

Covers repair or replacement costs for tires and rims damaged by potholes and everyday road hazards.

Mechanical Breakdown Protection

Covers the cost of repairing failed mechanical components after your manufacturer’s warranty expires.

Guaranteed Asset Protection

Covers the shortfall between your primary auto insurer’s payout and what you still owe on your loan or lease after a total loss.

For Dealer Partners

Add Appearance Protection to Your F&I Menu.

Are you a dealership? Become an Optiom partner and offer Appearance Protection at point of sale. Here’s what you get:

Dedicated Dealer Rep

Every partner dealership is paired with a dedicated Optiom representative for training, product questions, and day-to-day support.

F&I Training & Materials

Your team receives full product training, presentation frameworks, and customer-facing collateral to integrate GAP into every delivery.

Claims Handled by Us

When a customer files, Optiom’s in-house claims team manages the process end-to-end and coordinates with everyone involved — the customer, their lender, and your dealership when applicable.