Elite FI Partners
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F&I Products / Powersports

Powersports F&I Products and Training with Elite FI Partners.

Powersports F&I products are the protection plans a dealer offers when a motorcycle, ATV, UTV, personal watercraft or snowmobile is sold, such as service contracts, GAP, tire and wheel, and appearance protection. Elite FI Partners specializes in helping powersports dealerships increase profitability through industry-leading F&I products, dealer wealth-building strategies, and profit-sharing programs. We partner directly with motorcycle, ATV, UTV, personal watercraft, snowmobile, and powersports dealers across the country to provide the products, training, and support needed to build a high-performing finance department.

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Start with your numbers

What your powersports book could be worth.

Two quick steps: the units you sell, then what a service contract costs you and sells for. Then move three levers and watch the five-year number change. No name or email needed to see it.

Enter the units you sell a month.No name or email needed. Nothing here is a commitment.
The product shelf

Powersports F&I Products

Vehicle Service Contracts

Vehicle Service ContractsUTV, ATV, motorcycle, snowmobile, and PWC, written for how powersports units actually fail.

Off-road and powersports units operate in environments that automotive VSCs explicitly exclude. Our programs are written by underwriters who know the actual claim distribution for each segment, covering seal-and-gasket, drivetrain, cooling systems, electrical, and fuel systems. Coverage tiers match use profile: trail riders, touring, sport, and work-horse UTVs all have different failure modes.

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GAP Protection

GAP CoverageIndirect lender-friendly GAP for high-LTV powersports financing.

Powersports units depreciate quickly in the first 12 to 18 months. Customers who financed close to MSRP on a motorcycle or UTV are often upside-down for two or more years. GAP protection is a straightforward conversation in powersports, with lender-compliant programs that work across the indirect financing environment.

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Ancillary Products

Appearance ProtectionMaintain machine value through the ownership cycle.

Paint and finish on powersports units takes far more abuse than automotive: UV exposure, off-road grime, trail scratches, and track abrasion. Our appearance protection programs are rated for the powersports environment and present well in the finance office as a value-preservation conversation.

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Maintenance PlansPre-paid service intervals that keep customers coming back to your store.

Scheduled maintenance plans lock in service revenue and keep customers connected to your dealership long after the sale. Prepaid oil changes, filter replacements, and inspections are a simple sell when the customer is still excited about the unit, and a powerful retention tool over the ownership cycle.

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Tire & WheelTailored to off-road wear patterns and replacement cycles.

Off-road tires are expensive. Sidewall damage, punctures, and bead separations from rocks and trail debris are high-frequency events on UTVs and ATVs. Tire and wheel coverage offers a benefit customers immediately understand, with predictable claims economics that make it a solid reinsurance line at volume.

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Lifetime Battery & KeyAnchor product. High attach on a properly structured menu.

Battery and key replacement is the low-cost anchor that opens every other product conversation. Easy for customers to say yes, high attach rates, and the first yes makes subsequent products easier to present. On a properly structured powersports menu, this product drives base attach into VSC, tire and wheel, and GAP.

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Theft ProtectionGPS and VIN-etch programs for high-theft powersports segments.

Motorcycles, UTVs, and ATVs are stolen at significantly higher rates than passenger cars. GPS-based stolen vehicle recovery and VIN-etch programs give customers real protection on units that are difficult to recover without active tracking. High perceived value, clean claims economics.

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Finance & Menu Training

100% of the products. 100% of the customers. 100% of the time.

Our approach goes beyond outdated scripts. We deliver adaptive training built around real-world powersports conversations: menu presentations, objection handling, compliance, and the disciplines that separate top producers from the rest.

Finance & Menu Training

Every product, every customer, every deal.

The producers who perform at the top of the market present every product to every customer on every deal. Not because they're pressured to, but because consistent menu discipline is what moves product penetration. That's the standard we train to.

Training is not a one-time event. We show up, review deals, and coach on what actually happened. If a producer is skipping half the menu out of habit, we see it in the data and address it directly, not at month-end, but at the next visit.

Powersports F&I training
Tools & Technology

Built for the way powersports stores actually work.

We equip dealerships with modern tools that fit the powersports sales environment, not adapted from automotive. Integrated menu presentations, digital product brochures, and QR-code product access give your finance team the resources to run a professional F&I operation at every deal.

Every store we work with gets a dedicated Dealer Timeline: a running log of visit recaps, training milestones, performance notes, and coaching adjustments. It's an active record that holds us accountable and keeps the entire team aligned on what we're working on and why.

Powersports dealership
Long-Term Growth

Profit-sharing and reinsurance done with transparency.

Our reinsurance programs give powersports dealers a path to ownership of the F&I profit stream. We provide transparent, side-by-side comparisons across program structures so you understand exactly what you're getting into, and what comes back to you when the portfolio performs.

Every dealer we work with gets a direct relationship with the same team, visit after visit. No handoffs, no account management tiers. Just consistent people who know your store, your producers, and where your numbers are heading.

Elite FI Partners powersports team
Administrator Partnerships

Industry-Leading Administrator Partnerships

At Elite FI Partners, we partner with industry-leading administrators such as AGWS that are known for their financial strength, responsive claims handling, and commitment to customer satisfaction. We believe the true value of any F&I product is realized when a customer needs assistance, which is why we align with administrators that provide exceptional support for both dealerships and their customers.

Elite FI Partners with AGWS at the AIMExpo powersports conference
The Partnership

What powersports dealers actually get.

The product menu is the surface. Underneath it: rate negotiation with admin partners, 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.

Elite FI Partners powersports F&I team
FAQ

Frequently asked questions about powersports F&I products

What powersports F&I products do you offer?

We cover the full powersports spectrum: vehicle service contracts for UTVs, ATVs, motorcycles, snowmobiles, and PWC; tire and wheel; GAP; appearance protection; maintenance plans; lifetime battery and key; and theft protection. Every product is written specifically for powersports, not adapted from automotive coverage forms.

How is Elite FI's training different from in-house training?

Our training is adaptive, built around what's actually happening in your store. We don't deliver a one-time module and disappear. We show up, review deals, and coach on real objections from your finance desk. Training adjusts based on what the data shows after each visit, creating a feedback loop that in-house approaches rarely maintain.

Do you work with smaller powersports dealers?

Yes. Our model is built for single-point dealers and small groups who want to run a professional F&I operation without a full internal team. We serve stores across volume tiers, from boutique specialty shops to high-volume franchise powersports dealers.

What does a profit-sharing reinsurance program look like?

We walk you through a clear, side-by-side comparison of program structures (their cost, profit potential, and risk profile) before you commit anything. Every dealer's situation is different. Our job is to make sure you have an honest picture of what you're choosing and why, so there are no surprises when the portfolio matures.

Ready when you are

Two ways to start.

Set your store up yourself, or have us walk you through it first. Either way you start in the same place.

Do it yourself

Sign your store up now.

Answer a few questions about the store and pick the products you want on your menu. We confirm the details with you, then open the accounts and send the paperwork.

Talk it through

Start with a conversation.

Tell us where your store is today. We'll show you exactly where it can go with the right products, training, and support behind your finance office.

Not ready for either? See your own numbers first with the finance manager readiness assessment. About thirty quick questions and five minutes, no contact details needed. See where your finance office is strong and where it is not.