When I picked up my Tesla, the insurance person at the delivery centre gave me a sales pitch for replacement cost coverage through Aviva (who I had never heard of before until yesterday!). I ended up going for it because I wanted replacement cost coverage, and what Aviva offers seemed better than the replacement cost coverage that ICBC offers here in BC. That said, I was a bit skeptical because I went for the 5-year replacement cost coverage and was also told that with the plan, Aviva will reimburse deductibles up to $500. I know I'm paying for the coverage but it's still in my mind whether there's some catch. Like if there are any exclusions of if it'll be tremendously hard for me to actually get them to give me a new car if I total mine in 4 years - or to even get a single $500 deductible reimbursed. Since I have 30 days to cancel the coverage, I really wanted to see if anyone had any first-hand knowledge or experience about the product that Aviva offers?