Exclusionary and listed coverage across new, CPO, used, and EV. The stable line and primary reinsurance input.
Exclusionary coverage for the electric drivetrain: battery, charging system, drive unit, and power electronics.
Coverage for work trucks, vans, and fleet units that keeps the business moving.
A lifetime parts & labor warranty that drives service-department retention.
Let customers finance their service contract outside the vehicle loan.
Covers the gap between the insurance payout and the remaining loan or lease balance after a total loss.
Reduces dealer chargeback exposure on early payoffs and cancellations.
High-margin ancillary with strong attach and predictable claims economics.
Low-cost anchor product. 60%+ attach rates on a properly structured menu.
Bridges F&I to fixed-ops. Locks future service to the rooftop.
Repays the customer’s down payment and equity, up to $10,000, on a total loss.
Protects the customer’s deposit and strengthens the up-front commitment.
Anti-theft and identity protection bundles. Solid attach, clean claim economics.
Xzilon, Ultimar, or EcoPro coatings. Strong reinsurance line item.
LoJack-backed recovery with connected-car retention features.
Fast access to working capital based on F&I performance with no additional debt.
Fully remote F&I department for stores with staffing gaps or high weekend volume.
The right coverage, clearly explained, turns the finance office into help instead of a hurdle.
A focused, relevant menu lifts how many customers say yes to genuinely useful protection.
Stronger penetration and product mix move product-per-vehicle-retailed revenue over time.
Consistent production and claims behavior are the inputs behind a long-term participation strategy.
Covered customers return to the service drive, and eventually to the showroom.
Managers present with conviction when the products are strong and they understand them.
Done right, products add durable profit without compromising the customer relationship.
F&I products (Finance and Insurance products) are the protection plans, warranties, and vehicle service contracts offered in the dealership's finance office. They protect the customer's investment, build trust, and create long-term value for both the customer and the dealer. Common F&I products include vehicle service contracts, GAP protection, limited warranties, appearance protection, and bundled plans that may cover key replacement, tire and wheel damage, and windshield repair.
For dealerships, the right F&I product lineup does more than generate immediate profit. It drives customer retention by bringing buyers back into the service lane, strengthens the reputation of the store, and can even create wealth through profit-sharing or dealer reinsurance programs. Choosing and structuring products with care ensures they align with the inventory you sell: high-line luxury, EVs, or pre-owned.
A focused, relevant menu beats the longest one. These are the categories most automotive stores build around, each matched to the inventory and customers it serves.
Protects: The mechanical repair cost of the vehicle.
For customers: Predictable repair costs and peace of mind during ownership.
For dealers: The stable, primary product line and a core reinsurance input.
Learn more →Protects: The gap between an insurance payout and the loan or lease balance.
For customers: Protection from owing on a vehicle they no longer have after a total loss.
For dealers: A high-attach product that supports penetration and PVR.
Learn more →Protects: Tires and wheels damaged by road hazards.
For customers: Covered repairs and replacements without surprise out-of-pocket cost.
For dealers: A strong ancillary with predictable claims economics.
Protects: Paint, fabric, and interior surfaces.
For customers: Keeps the vehicle looking newer and protects resale appearance.
For dealers: A high-margin product and a solid reinsurance line item at volume.
Learn more →Protects: Lost, stolen, or damaged keys and fobs.
For customers: Avoids the high cost of modern key and fob replacement.
For dealers: A low-cost, easy-yes anchor with high attach rates.
Learn more →Protects: The vehicle against theft, with recovery support.
For customers: Recovery help and connected-car peace of mind.
For dealers: Clean claim economics and a post-sale retention touchpoint.
Learn more →Protects: The customer deposit at the point of sale.
For customers: Reduces friction and reinforces a confident buying decision.
For dealers: A simple ancillary that rounds out the menu.
Learn more →Protects: The high-voltage battery, charging system, and electric drive unit.
For customers: Coverage for the components a standard contract often excludes.
For dealers: Purpose-built protection for a growing share of inventory.
Learn more →Protects: Work trucks, vans, and fleet units.
For customers: Protects uptime and controls repair cost for the business owner.
For dealers: Extends the product shelf into commercial and fleet deals.
Learn more →Product knowledge alone doesn't close deals. Communication does. Our training is built around real objections, real customer conversations, and the specific dynamics of your store. We work with your finance managers on menu presentation, value-building language, and the moment-to-moment responses that separate a 1.2 product-per-deal store from a 2.1.
Training isn't a one-time event. We show up, review deals, and coach on what actually happened, not what should have happened in theory. The goal is a finance office that performs without needing constant management, because the team knows exactly what to say and when to say it.
Every store we work with gets a dedicated Dealer Timeline: a running log of visit recaps, training milestones, performance notes, and coaching adjustments posted directly to your dealership. It is an active record that holds us accountable and keeps the entire team aligned on what we are working on and why.
The training adapts based on what the timeline surfaces. If penetration on VSC is strong but GAP is lagging, we adjust. If a new hire joins the finance desk, we onboard them against the same playbook we built for the store. The Dealer Timeline makes adaptive training possible because we actually know what happened last time we were there.
A product shelf is only as strong as the finance manager presenting it. Products perform when managers understand what they cover, who they are right for, and how to explain the value clearly, ethically, and consistently. That is why the product strategy is paired with the Adaptive Training system, not handed over as a price sheet.
It starts with product knowledge, becomes value on the menu presentation, holds up through objection handling, and stays transparent through compliance. Not sure where your team stands? The Finance Manager Readiness Assessment scores your department across all eight pillars in five minutes.
Product mix, penetration, claims performance, and consistency all influence a dealer participation strategy over time. Reinsurance is a way for a dealer to participate in the underwriting results of the products their store produces, so a strong, consistently presented product program is the input that makes the strategy meaningful.
Learn how the participation models work in the dealer reinsurance guide, compare program structures, weigh options side by side with the comparison tool, and see our approach to transparency. This is general information, not tax, legal, or investment advice; structure decisions should be made with qualified advisors.
We start with what you offer today and how it is performing.
The strategy is built around your goals, inventory, and customers.
A focused, relevant menu, matched to what you actually sell.
Administrators chosen for claims handling, stability, and fit.
Adaptive training so managers present products clearly and consistently.
A transparent, repeatable menu presented to every customer.
Regular review of penetration, mix, and claims against the goals.
Product strategy aligned with a long-term participation approach where it fits.
Coaching and support that keep the program improving over time.
The product menu is the surface. Underneath it: rate negotiation with lenders, claims-handling escalation, monthly review of penetration and per-vehicle revenue, training for the F&I bench, on-site coaching to break specific objections, and a Dealer Timeline that keeps every visit connected to the last one. You don't buy products from Elite FI. You operate an F&I department with us.
The foundation behind product performance.
Where products become value, before price.
Turning pushback into trust.
Keeping the process transparent.
Score your team across all eight pillars.
How consistent production builds long-term strategy.
Our approach to a clear participation model.
The full product shelf across segments.
Review your F&I product strategy with our team.
From the F&I blog: building a focused menu.
From the F&I blog: performance over price.
Automotive F&I (Finance and Insurance) products are the protection plans and coverages offered in a dealership finance office: vehicle service contracts, GAP protection, tire and wheel, appearance protection, key replacement, GPS and theft protection, deposit protection, EV and hybrid coverage, and commercial vehicle coverage. They protect the customer during ownership and give the dealership a way to add value, profit, and retention beyond the vehicle sale.
The right F&I products protect customers, improve the customer experience, and support dealership profitability and product penetration. They bring buyers back to the service drive, strengthen retention, and, when production is consistent, feed long-term participation strategies such as dealer reinsurance. They also give finance managers something genuinely useful to present, which builds confidence in the box.
There is no universal lineup. The right mix depends on the inventory you sell and the customers you serve. Most stores build around vehicle service contracts and GAP, then add ancillary products like tire and wheel, appearance protection, and key replacement where they fit. EV-heavy and commercial stores need coverage built for those vehicles. The goal is a focused, relevant menu, not the longest one.
Significantly. Products only perform when the finance manager understands what they cover, who they are right for, and how to explain the value clearly. Strong product knowledge supports a confident menu presentation, calmer objection handling, and accurate disclosure. It is the foundation under penetration and PVR, which is why we pair products with adaptive training rather than just placing them on a shelf.
Product mix, penetration, claims performance, and consistency all influence a dealer participation strategy over time. Reinsurance is a way for a dealer to participate in the underwriting results of the products they sell. A strong, consistently presented product program is the input that makes that strategy meaningful. This is general information, not tax, legal, or investment advice; structure decisions should be made with qualified advisors.
Because the product is only half of it. The other half is how clearly, ethically, and consistently it is presented. Training builds the discovery, menu presentation, product knowledge, and objection-handling skills that turn a good product shelf into real penetration, while keeping the process transparent and compliant.
On a regular cadence rather than only when something breaks. Reviewing penetration, product mix, claims behavior, and cancellations against the goals you set surfaces what to adjust: a product that is not landing, a gap in the menu, or a coverage that no longer fits the inventory. Performance reviews keep the product strategy current as the store changes.
We start with a review of your current products, goals, and numbers, then align the product mix, administrators, training, and menu process around your store, with reinsurance alignment where it fits. From there it is ongoing: coaching, performance reviews, and support that keep the program improving rather than treating products as a one-time setup.
Tell us where your store is today. We'll review your products, penetration, and goals, then show you where the right product mix, training, and support can take your finance office.
Review Your F&I Product Strategy