Every F&I product, every vertical, one partner.
Service contracts, warranties, GAP, appearance protection, GPS, fixed-ops automation, and Virtual F&I — sourced from transparent admin partners and underwritten by your strategy.
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 sources from transparent admin partners — AGWS, Alpha Warranty, Smart AutoCare, Protective, Portfolio, NAC, and GWC — and tunes rate tables to your store, so you see true cost and keep the margin. We prioritize reinsurance-eligible lines so the underwriting profit flows back to a structure you own, not the administrator.
And the right shelf is vertical-specific. A franchise automotive store, a powersports dealer, an RV lot, a marine dealer, and a commercial & fleet operation each need different coverage tiers, deductibles, and add-ons calibrated to how their customers actually own and use the unit.
Pick your shelf.
Automotive F&I
VSC, GAP, Tire & Wheel, Key, Appearance, GPS — the full automotive shelf.
Read →UTV · MC · PWC · SnowPowersports F&I
Coverage built for the unit economics of small-volume dealers.
Read →Class A to pop-upRV F&I
Motorized, towable, hail/storm, RV-spec GAP, sealants — the long-cycle ownership menu.
Read →Inboard · Outboard · PWCMarine F&I
Engine to gelcoat. Hurricane-region variants. Electronics, trailer, and appearance.
Read →Class 3–7Commercial & Fleet
Medium-duty VSC, PTO, reefer, lift gate, downtime reimbursement to $500/day.
Read →Service driveFixed-Ops Automation
Automated Lifetime Parts & Labor warranty on qualifying repairs over $200.
Read →Ceramic · Graphene · EcoAppearance Protection
Ultimar, Xzilon, and EcoPro — three programs, every customer covered.
Read →No-chargebackGPS Tracking
RecovR + LoJack. F&I revenue, inventory visibility, BHPH payment reminders.
Read →The core menu.
What dealers run on day one
- Vehicle Service Contracts
- GAP / Debt Cancellation
- Tire & Wheel Protection
- Key Replacement
- Pre-paid Maintenance
- Theft Etch & Recovery
Service Contracts
Stable lines for reinsurance and dealer wealth — exclusionary and listed coverage.
GAP & Debt Cancellation
Compliant GAP solutions matched to lender requirements and state regs.
Tire & Wheel
High-margin ancillary that drives back-end PVR with strong retention.
Key Replacement
Low-cost, high-take-rate companion product that anchors the menu.
Pre-Paid Maintenance
Bridges F&I to fixed-ops; locks future service to the rooftop.
Theft & Etch
Anti-theft and identity protection bundles with strong claim economics.
Built for the unit economics of small dealers.
UTV / ATV Coverage
Off-road specific service contracts with seal-and-gasket and ride-specific add-ons.
Motorcycle VSC
Cruiser, sport, and touring tiers with track-day exclusion options.
Snowmobile
Seasonal coverage with extended sled storage protections.
Tire & Wheel
Tailored to off-road wear patterns and replacement cycles.
GAP / Debt
Indirect lender-friendly GAP for high LTV powersports financing.
Pre-Paid Maintenance
Drives service department visits and parts attach.
Class A through pop-up — covered.
Motorized VSC
Class A/B/C coverage including chassis, coach, and slide systems.
Towable VSC
Travel trailer and fifth-wheel tiers with awning and slide protection.
Hail & Storm
Dent and storm damage protection — strong attach in tornado-belt stores.
Tire & Wheel
Sidewall damage from rough roads — high frequency claims protection.
Appearance Protection
Exterior + interior + roof sealants underwritten by Xzilon / Ultimar.
GAP
RV-specific GAP that handles longer loan terms and higher LTVs.
Engine to gelcoat, all season.
Boat VSC
Tiered coverage by engine count, hull length, and use case.
PWC VSC
Stand-up, sit-down, and tow-sport jet ski programs.
Trailer Protection
Bearing buddies, lights, brake systems — the small claims dealers miss.
Hurricane Add-Ons
Coastal program variations with named storm coverage where eligible.
Electronics
Chartplotter, sonar, and onboard system protection.
Gelcoat & Interior
Appearance protection rated for sun, salt, and abrasion.
Medium-duty programs that pass underwriting.
Class 3–7 VSC
Cab & chassis through medium-duty box trucks with vocational coverage.
Last-Mile & Livery
Underwritten for ride-share, delivery, and shuttle use — most VSCs exclude these.
PTO & Hydraulics
Coverage for power take-off systems on service and utility bodies.
Reefer & Lift Gate
Cold chain and lift gate components — high-claim, high-margin attach.
Tire & Road Hazard
Commercial-grade tire protection for high mileage fleets.
Fleet GAP
Multi-unit GAP that fits commercial financing structures.
Lifetime parts & labor — on rails.
Surfaces that survive the lot.
LoJack-backed, dealer-margin tracking.
A remote F&I bench, on call.
DealFI Lending Platform
End-to-end digital lending workflow with menu and lender connectivity.
Understanding Virtual F&I
How a virtual F&I department actually integrates with an in-store team.
NextGen Virtual F&I
Compliant menu presentations, digital paperwork, and lender coordination from remote managers.
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 sources products from transparent admin partners including AGWS, Alpha Warranty, Smart AutoCare, Protective, Portfolio, NAC, and GWC, with rate tables tuned to each store. Transparency matters because it lets the dealer see the true cost and keep 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.
Request a pro forma