Required: extended car/motorcycle warranty permit (OPC).
With some exceptions, a business that offers or sells an extended warranty for a car or motorcycle must hold a permit from the Office de la protection du consommateur (OPC).
Why it matters: The permit holder must post a bond and, depending on the option it chose, put at least half of what it receives for your contract in a trust account. This money can be used to compensate you if the company closes or goes bankrupt.
Businesses currently holding this licence in the official lists: 31.
Official sources: Consumer Protection Act, s. 321 · Regulation respecting the application of the Consumer Protection Act, s. 25.1 · Regulation respecting the application of the Consumer Protection Act, s. 108.1 · Consumer Protection Act, s. 260.8 · OPC – Ai-je besoin d'un permis? · OPC – Une garantie supplémentaire, c'est quoi? · OPC – Garantie supplémentaire · OPC – Fournir un cautionnement · OPC – Avoir un compte de réserve · Consumer Protection Act, s. 322 · Consumer Protection Act, s. 228.3
This licence isn't required of the vehicle's manufacturer or its subsidiary, an authorised insurer, or a garage for its own repairs or parts. Check the company named as the warranty provider in the contract: it isn't always the dealer.
Official sources: Consumer Protection Act, s. 321 · Regulation under the Consumer Protection Act, s. 25.1
The Office de la protection du consommateur (OPC) received 90 consumer complaints about this type of business from October 2025 to September 2026.
Same months three years earlier: 33 (+173%).
This complaint category covers supplementary warranties of all kinds, not only for cars.
These figures are not about any particular business: OPC data does not name businesses. Complaints are unverified allegations, not findings.