Protective's suite of innovative F&I products has been increasing revenue and customer satisfaction for franchise and independent auto dealerships for almost 50 years.
In addition to offering a wide range of service coverage plans for new and pre-owned vehicles, we also offer a limited warranty program, lifetime engine warranty program, maintenance program, GAP, credit life and credit disability insurance. Many of our vehicle service contracts include roadside assistance plans, tire and wheel road hazard coverage, paint-less dent removal and front windshield repair.
Our automotive product portfolio includes:
- Advantage
- VIP
- CostGuard
- Select
- Mileage Plus
- Certified Limited Warranty
- Lifetime Powertrain Warranty
- Lifetime Engine Warranty (LEW)
- Maintenance Pro Plus
Advantage is a vehicle service contract for both franchise and independent dealerships. Advantage offers coverage for both new and pre-owned vehicles. Product highlights include:
- Three levels of named component coverage
- An exclusionary level of coverage
- Eligible vehicles include current plus 9 prior model years
- Coverage terms up to 7 years/100,000 miles
- Dealer profit participation reinsurance and retro programs available
Advantage WRAP is designed to wrap around manufacturer coverage programs. Program highlights include:
- A named component level of coverage
- An exclusionary level of coverage
- Coverage terms up to 10 years/100,000 miles
- Dealer profit participation reinsurance and retro programs available
Designed for the franchise and independent dealer, VIP (Vehicle Increased Protection) offers coverage for new or pre-owned vehicles. Product highlights include:
- Four levels of named component coverage
- An exclusionary level of coverage
- Eligible vehicles include those up to 10 prior model years
- Coverage terms up to 7 model years/100,000 miles
VIP WRAP is designed to wrap around popular manufacturer coverage programs. Product highlights include:
- A named component level of coverage
- An exclusionary level of coverage
- Eligible vehicles include those up to 9 prior model years
- Coverage terms up to 10 years/100,000 miles
CostGuard is a vehicle service contract for franchise dealerships. CostGuard offers coverage for both new and pre-owned vehicles. Product highlights include:
- Three levels of named component coverage
- An exclusionary level of coverage
- Eligible vehicles include those up to 10 prior model years
- Coverage terms up to 7 years/100,000 miles
- Dealer profit participation reinsurance and retro programs available
CostGuard WRAP is designed to wrap around manufacturer coverage programs. Program highlights include:
- A named component level of coverage
- An exclusionary level of coverage
- Coverage terms up to 10 years/100,000 miles
- Dealer profit participation reinsurance and retro programs available
Designed for the independent dealer, Select offers multiple levels of coverage for new & pre-owned vehicles. Product highlights include:
- Two levels of named component coverage
- An exclusionary level of coverage
- Eligible vehicles include current plus 10 prior model years
- Coverage terms up to 7 years/100,000 miles
Mileage Plus is a high-mileage, mechanical breakdown program designed for pre-owned vehicles. Product highlights include:
- Three levels of named component coverage
- Eligibility includes Current + 10 model years, Current + 15 model years and All Model years.
- Coverage terms up to 4 years/60,000 miles
Our Certified Limited Warranty is a powertrain program that provides dealers with the opportunity to stand above competition while providing their customers peace of mind. New, extended eligibility and pre-owned plans are available to meet franchise and independent dealers’ needs.
- Enhanced eligibility, coverage, deductible options and more
- More additional benefits like roadside and car rental coverage included
- Various marketing materials available
- Dealer participation programs such as retro and reinsurance are available
Our NEW Lifetime Powertrain Warranty protects the major components of your customer’s vehicle for as long as they own the vehicle. The program provides dealers with the opportunity to stand above competition while providing their customers peace of mind. The program is designed for new and pre-owned vehicles in franchise and independent dealerships. Product highlights include:
- Protects the major components of your customer’s vehicle for as long as they own the vehicle
- No deductible
- Rental car coverage included
- Various marketing materials available
- Dealer participation programs such as retro and reinsurance are available
The Lifetime Engine Warranty (LEW) provides lifetime engine coverage for eligible vehicles. The program is designed for new and pre-owned vehicles in franchise and independent dealerships. Product highlights include:
- Protects the engine for as long as the customer owns the vehicle
- No deductible
- Rental car reimbursement for up to six days per covered mechanical breakdown
- Can be provided as a stand-alone program or in conjunction with a Protective vehicle service contract
- Dealer profit participation reinsurance and retro programs available
Maintenance Pro Plus offers scheduled maintenance service for any type of automobile. Product highlights include:
- Oil changes
- Oil filter replacement
- Chassis lube
- Tire rotation
