Automotive F&I Products, Training and Support built around your store.

Vehicle Service Contracts

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.

GAP Protection

Protects: The gap between an insurance payout and the loan or lease balance.

After a total loss, GAP covers what the customer still owes once insurance has paid. We offer it three ways: Standard GAP at the lower cost per contract, where a cancellation refund is charged back to your store; No Chargeback GAP, where after 90 days the administrator pays cancellation refunds instead of your store; and GAP Plus, which adds a $1,000 credit toward the customer’s replacement vehicle. Click through to price them side by side on your own numbers and see which one makes more sense for your store.

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.

Tire & Wheel Protection

Protects: Tires and wheels damaged by road hazards.

Potholes, nails, glass and road debris are a matter of when, not if. Tire & Wheel Protection repairs or replaces a tire or wheel damaged by a road hazard, so your customer gets back on the road without an out-of-pocket bill. For your store it is an easy product to present on nearly every deal, with predictable claims.

For customers: Covered repairs and replacements without surprise out-of-pocket cost.

For dealers: A strong ancillary with predictable claims economics.

Appearance Protection

Protects: Paint, fabric, and interior surfaces.

Our premium exterior protection is an aviation-grade ceramic coating with graphene. It bonds to the clear coat for an ultra high-gloss, anti-static finish that dirt and grime have a hard time sticking to, and it protects at temperatures up to 700°F. For high-end and specialty vehicles there is a two-part 9H ceramic system with a superhydrophobic finish that repels water, dirt and ice. Inside, a stain guard protects leather, vinyl, fabric and carpet from spills, ink and dye transfer and UV fading. The warranty transfers to the next owner, and claims carry a $0 deductible.

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.

Key Replacement

Protects: Lost, stolen, or damaged keys and fobs.

A modern smart key or fob can cost up to $800 to replace and program. Key Replacement repairs or replaces a lost, stolen or damaged key or fob, with benefit levels of $400 or $800 per occurrence and one claim allowed in any 12-month period. It is a low-cost product every customer understands the moment you mention it, which makes it an easy yes on almost every deal.

For customers: Avoids the high cost of modern key and fob replacement.

For dealers: A low-cost, easy-yes anchor with high attach rates.

GPS / Theft Protection

Protects: The vehicle against theft, with recovery support.

We partner with LoJack and CarChief. LoJack pairs a GPS device and customer app with stolen vehicle recovery support, and dealers can preload it to protect inventory on the lot, with up to $10,000 of coverage per preloaded vehicle. CarChief combines GPS tracking with vehicle diagnostics and service reminders that keep customers coming back to your store. Both give the customer real-time location and recovery help, and give you a reason to stay in touch long after the sale.

For customers: Recovery help and connected-car peace of mind.

For dealers: Clean claim economics and a post-sale retention touchpoint.

Deposit Protection

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.

EV / Hybrid Coverage

Protects: The high-voltage battery, charging system, and electric drive unit.

EVs and hybrids are a fast-growing share of dealer inventory, and we have coverage built for them, including Tesla on select programs. Cover the high-voltage battery on its own, write full exclusionary coverage with the battery included, or write full exclusionary coverage and add the battery as an option. Whichever fits the vehicle and the customer, the parts a standard contract leaves out are covered.

For customers: Coverage for the components a standard contract often excludes.

For dealers: Purpose-built protection for a growing share of inventory.