What F&I products do, and why the shelf matters.
F&I products are the finance-and-insurance offerings a dealership presents after the vehicle sale: vehicle service contracts, GAP, tire & wheel, appearance protection, key replacement, pre-paid maintenance, and GPS theft recovery. They protect the customer from unexpected post-sale cost and give the store a second, higher-margin gross line beyond the vehicle itself.
The products are commodities; the shelf is not. Elite FI works with more than a dozen administrators, among them AGWS, Alpha Warranty, Ascent, Wise F&I, Portfolio and National Auto Care, so your shelf is built around your store rather than around the one company an agency happens to carry. We tune the rate tables to your store, so you see true cost and keep the margin, and we prioritize reinsurance-eligible lines so the underwriting profit flows back to a structure you own, not the administrator.
Pick your shelf.
The right shelf is vertical-specific. Each industry needs different coverage tiers, deductibles, and add-ons calibrated to how its customers actually own and use the unit.
Automotive F&I
VSC, GAP, Tire & Wheel, Key, Appearance, GPS: the full automotive shelf.
Explore the shelf →UTV · MC · PWC · SnowPowersports F&I
Coverage built for the unit economics of small-volume dealers.
Explore the shelf →Class A to pop-upRV F&I
Motorized, towable, hail/storm, RV-spec GAP, sealants: the long-cycle ownership menu.
Explore the shelf →Inboard · Outboard · PWCMarine F&I
Engine to gelcoat. Hurricane-region variants. Electronics, trailer, and appearance.
Explore the shelf →Work trucks and fleetCommercial & Fleet
Medium-duty VSC, PTO, reefer, lift gate, and downtime reimbursement where supported.
Explore the shelf →Specialty programs
Vehicle Service Contracts
Exclusionary and listed coverage across new, CPO, used, and EV. The stable line and primary reinsurance input.
Learn more →GAP Protection
Standard GAP and No Chargeback GAP on one page: both prices for your store, and which one fits on your own numbers.
Learn more →EV Service Contracts
Coverage for the electric drivetrain: battery, charging system, drive unit, and power electronics.
Learn more →Service Contract Financing
Let customers finance their service contract outside the vehicle loan.
Learn more →Virtual F&I
A remote finance office that supplements your desk, covers gaps, or runs F&I fully remote.
Learn more →Fixed-Ops Automation
Automated Lifetime Parts & Labor warranty on qualifying repairs over $200.
Learn more →AfterSale Advantage
Reaches customers who passed on protection, after delivery, with no added staff or F&I time.
Learn more →Appearance Protection
Ultimar, Xzilon, and EcoPro: three programs, every customer covered.
Learn more →Explore the products, shelf by shelf.
The core menu.
A complete automotive F&I menu: Vehicle Service Contracts, GAP, Appearance Protection, Tire & Wheel, Key Replacement, and pre-paid maintenance. Drawn from more than a dozen administrators, among them AGWS, Alpha Warranty, Ascent and Portfolio, with rate tables tuned to your store.
Built for the unit economics of small dealers.
ATV, UTV, motorcycle, snowmobile, and personal watercraft. Coverage tiers, deductible bands, and reinsurance structures calibrated to each dealer’s volume.
Class A through pop-up, covered.
Motorhome, travel trailer, fifth-wheel, and toy hauler programs with chassis + house coverage, hail protection, and seal/leak components priced for real-world claims.
Engine to gelcoat, all season.
Inboard, outboard, and personal watercraft programs. Coverage for hull, propulsion, electronics, and trailer, with hurricane-region program variations.
Medium-duty programs that pass underwriting.
Class 3 to 7 truck programs, livery, last-mile, and vocational use. Reefer, lift gate, and PTO add-ons. Built for the buyers who actually have to keep the truck running.
Lifetime parts & labor, on rails.
A turnkey lifetime warranty program with automated enrollment, customer-facing portals, and service-drive ROI dashboards. Built to retain service revenue, not just promise it.
Surfaces that survive the lot.
Xzilon, Ultimar, and EcoPro exterior and interior protection, plus roof and seal treatment for RVs. Strong reinsurance line item: high attach, low loss frequency, customer-visible value.
LoJack-backed, dealer-margin tracking.
GPS tracking solutions for retail and BHPH. Vehicle recovery, payment reminder integrations, and inventory location services.
A remote F&I bench, on call.
Three configurations of virtual F&I, from DealFI's lending platform to NextGen's full-stack remote menu and lender coordination. Supplement an in-store team, cover weekends and gaps, or run the finance desk fully remote.
How we build an F&I product shelf that actually performs.
A menu is more than a list of products. The gross is in how the shelf is chosen, priced, and presented. Four principles guide every program we place.
Match the vertical
Coverage tiers, deductible bands, and add-ons calibrated to each dealership type, from off-road seal-and-gasket coverage to RV hail protection to medium-duty PTO and reefer add-ons.
Build compliance in
GAP matched to lender requirements and state regulations, the menu presented to every customer the same way, and product disclosures done right, so profitable and compliant are the same motion.
Align with reinsurance
We weight the shelf toward stable, low-loss-frequency lines (service contracts and appearance protection) that make strong reinsurance line items, so the profit compounds into dealer wealth.
Measure and coach
Every product is tracked against PVR and product penetration and paired with finance manager training, so the menu is presented consistently on every deal, not just the easy ones.
The result is a menu that fits the store, holds up in an audit, and builds equity over time. Pair the right shelf with a dealer reinsurance structure to keep the underwriting profit, and with F&I manager training so every product is presented consistently on every deal.
F&I products, answered.
What are F&I products?
F&I (finance and insurance) products are the protection and service offerings a dealership presents in the finance office after the vehicle sale: vehicle service contracts (VSC), GAP, tire & wheel, appearance protection, key replacement, pre-paid maintenance, and GPS theft recovery. They protect the customer from unexpected post-sale costs and give the dealership a second, higher-margin profit center beyond front-end vehicle gross.
How do dealerships make money on F&I products?
Dealers earn a markup on each product sold, and, when products are placed with the right administrator, can also keep the underwriting profit and investment income through a reinsurance structure such as a CFC, Super CFC, DOWC, or Retro program. That turns F&I from a one-time commission into long-term dealer wealth.
What F&I products does Elite FI Partners offer?
Elite FI Partners offers vehicle service contracts (VSC), GAP, appearance and ceramic protection, tire & wheel, GPS tracking, fixed-ops lifetime parts & labor warranties, and virtual F&I across automotive, powersports, RV, marine, and commercial dealers.
Which F&I products work best for powersports dealers?
Powersports dealers typically lead with VSCs, tire & wheel, GAP, and appearance protection tuned for ATV, UTV, motorcycle, and PWC units, paired with profit-sharing so the dealer keeps the underwriting profit.
Which administrators back Elite FI Partners F&I products?
Elite FI works with more than a dozen administrators, among them AGWS, Alpha Warranty, Ascent, Wise F&I, Portfolio, National Auto Care, Protective and Smart AutoCare, and chooses among them for each store rather than placing every dealer with one. Rate tables are tuned to each store, so the dealer sees the true cost and keeps the reinsurance-eligible margin.
Do different dealership types need different F&I products?
Yes. The right shelf for a franchise auto store is not the right shelf for a powersports, RV, marine, or commercial dealer. Coverage tiers, deductibles, and add-ons are calibrated to each vertical’s unit economics and ownership cycle, from RV hail protection to marine hurricane add-ons to medium-duty PTO coverage.
Not sure where to start? Most dealers begin with a pro forma.
We'll model your current product mix against a CFC, Super CFC, DOWC, and Retro structure side by side, usually within a week.