Kia Integrity Advantage Program

In these uncertain times, we're making things easier - with the Kia Integrity Advantage*. It's designed to protect you and your credit rating. It's the first and only program of its kind in Canada offered by an automaker - and it's available to everyone.

Right now, buy any new Kia, and we'll let you return it without penalty in case of certain life-altering events within the first year of the purchase date**. It's our way of taking the risk out of leasing or financing your new Kia. Because of all the feelings that come with buying a new car, worry shouldn't be one of them. That's the Kia Integrity Advantage*.

Highlights

Available on all new KIA vehicles financed or leased through an authorized KIA dealership.
Available to everyone regardless of age, health or employment history.
12 months coverage on every new KIA vehicle compliments of KIA Canada.
Covers up to $7,500 in negative equity.

Coverage Overview**

Involuntary job loss
Physical disability - unable to work
Loss of driver's license due to medical impairment/ driving restrictive injury
Bankruptcy of the self-employed
Critical illness
Death due to critical illness
International job transfer

** Please refer to your policy for complete terms and conditions.

How it Works

Purchase or lease any new KIA vehicle and arrange the financing or leasing through an authorized KIA dealer.
Should you experience any of the covered circumstances noted above, you may file a request for benefit with the KIA Integrity Advantage* program insurer. You must have made at least two scheduled payments and be current on your loan or lease in order to qualify for benefit approval.
The KIA Integrity Advantage program insurer will determine the value of your KIA vehicle based on the average between your authorized KIA dealer's appraisal and the values provided from leading industry guides.
Upon application approval, you return your KIA vehicle to the selling dealer and pay any additional balance amounts owed above the $7,500 KIA Integrity Advantage* benefit amount maximum (if applicable).
You walk away without further financial obligation, leaving your credit rating intact.

*KIA Integrity Advantage is underwritten by Echelon General Insurance Company. The Echelon General Insurance Company logo is a ® Registered Trademark of Echelon General Insurance Company. The information contained herein represents a summary of term and conditions and does not form part of the agreement. Please consult the terms and conditions of The Program policy of the insurer. Only available at participating dealers. Restrictions apply. Coverage options vary by province. See your participating Kia dealer for details.

Integrity Advantage (The Program) protects you in case of a Qualifying Event namely; Critical Illness (or death due to Critical Illness), Disability, Driving-Restrictive Injury (including age), Involuntary Unemployment, International Job Transfer, or Self-Employed Personal Bankruptcy. The Program offers up to $7,500 in credit protection for consumers who experience a Qualifying Event during the first 12 Months of their lease or financing upon providing proof claim as evidenced in the terms and conditions of

The Program policy of the insurer. You will also have returned your vehicle when advised to your Kia dealer. Fees for excessive use, excess kilometers (in excess of 120% prorated) in lease contracts apply, and under both lease and loan; unrepaired insured damages, undesirable modifications and similar fees are excluded from The Program. The Program is open to all individuals who qualify for financing at your participating KIA Dealership.

The program is not for corporations, businesses, and for unemployment only, employees of the selling dealer are excluded. Consumers making a request for benefits under The Program will be required to make their regular monthly payments while their request is being processed. Other conditions and limits apply including a 90 day exclusion period from the effective date of the insurance for Involuntary Unemployment and International Job Transfer; all other Qualifying Events are in effective immediately; disability requires you to be unable to perform the duties of your occupation for a period of 60 days.

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