RV F&I Products for Dealers built for dealer growth.

RV F&I (finance and insurance) products are the protection plans and warranty products an RV dealer offers in the finance office, including RV service contracts, RV GAP protection, tire and wheel protection, appearance protection, and roadside assistance. They protect the customer’s investment, support a stronger ownership experience, and contribute to RV dealership profitability when presented through a clear process.

There is no single lineup that fits every store. Most RV dealers build around a service contract for motorized and towable units, RV GAP protection, tire and wheel protection, appearance protection, and roadside assistance, then add ancillary products where the administrator and unit mix support them. The right RV dealer F&I products depend on what you sell, your customers, and your goals.

Yes. A motorhome is two systems in one unit, the chassis and the coach, and towables carry components an automotive contract never contemplates, such as slide rooms, awnings, generators, and onboard appliances. RV service contracts should be written for those components and for longer ownership cycles, not adapted from an automotive program. Coverage always depends on the specific contract and program terms.

On a motorhome the top, exclusionary level covers every part except the ones the contract excludes, across the chassis (engine, transmission, axles, suspension, steering, brakes, electrical) and the coach (roof and central air conditioning, generator, refrigerator, water heater, furnace, fresh water and sanitation, range and oven, propane system). It also covers a convenience package of slide-out motors and pumps, leveling jacks, the awning and power step motors, the converter and inverter, and onboard appliances. A covered repair adds towing, rental, trip interruption, food spoilage and service call benefits. Batteries, belts, hoses, brake pads, tires, body, roof panels, water leaks and upholstery are not covered.

A travel trailer or fifth wheel has no engine, so a towable service contract is built around the coach systems that make it livable (air conditioning, refrigerator, furnace, water heater, plumbing, propane, generator and solar) and the running gear it rolls on: the frame and hitch, brakes, axles, bearings and springs. It carries towing, trip interruption, food spoilage and service call benefits, but the towable form has no rental benefit.

Yes. RV GAP protection can help cover the deficiency between an insurance settlement and the remaining loan balance after a covered total loss, subject to program terms. Because RV loans often run long with high loan to value, GAP written for RV financing is important, since an automotive GAP may not handle those terms cleanly.

Under the RV GAP addendum we place, yes, up to $1,000 of it. The benefit is capped at $30,000 when less than $75,000 is financed and $50,000 from $75,000 to $500,000, and it covers the balance up to 120% of MSRP on a new unit or NADA RV retail on a used one. It pays only on a total loss or theft, never a partial loss.

Usually not. RV service contracts exclude roof and wall panels, delamination and water leaks. RV roof protection is the product that covers it: it pays to repair a roof that leaks, cracks, tears, peels, sags or goes soft, helps with a mobile service call and the insurance deductible, and requires a yearly roof inspection. It excludes aluminum shell roofs such as Airstream.

It repairs or replaces a tire or wheel damaged by a road hazard on a motorhome, towable or trailer, including mounting, balancing, valve stems and taxes, with no deductible, and it covers the tow vehicle’s tires while it is towing. It also includes roadside assistance, and a Towable Enhanced option adds brakes and suspension. Curb impact, sidewall damage, worn tires and dry rot are not covered.

Show the customer the coverage that fits how they use the unit. RV buyers respond to the coach: the refrigerator, air conditioner, generator, slide-outs and leveling jacks, and to the replacement costs behind them. A consistent menu presented to every customer, products matched to motorhomes and towables, a finance manager who can explain coverage in plain language, and regular review of penetration by product are what move attachment rates.

Products do not present themselves. RV F&I training helps finance managers explain coverage clearly, build real value, and handle objections on a lifestyle purchase that can cost as much as a home. Consistent training and a repeatable menu process are what turn a product shelf into reliable performance and a better customer experience.

RV dealership profitability improves when the right product lineup is paired with a repeatable finance office process, strong product knowledge, disciplined compliance, and ongoing coaching with performance tracking. It is rarely one change. It is products, process, and people working together, reviewed over time.

Many do, depending on volume, product mix, administrator, and long-term goals. Participation can range from a Retro profit-share to a dealer-owned reinsurance company such as a CFC, Super CFC, NCFC, or DOWC. We help RV dealers understand whether participation fits and which structure makes sense before any decision is made.

We do not just hand dealers a product list. We help build a stronger F&I department: product lineup strategy, administrator relationships, training and implementation, finance office process, profit participation guidance, and long-term support. The product menu is the surface; the partnership underneath it is the point.

Yes. We work with independent RV dealers, motorhome and towable dealers, and multi-location RV groups. The approach is the same: match the products to your units and customers, build the process and training around your store, and review the results over time.

A few signs are common: thin product penetration, a menu that feels adapted from automotive, coverage that does not match the units you sell, weak claims or administrator support, or no recent review of your terms. A short strategy review will show where the gaps are and what the next gains look like.