Protective's suite of innovative F&I products has been increasing revenue and customer satisfaction for franchise and independent auto dealerships for more than 40 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 (availability may vary by state).
Our automotive product portfolio includes:
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
Details about Advantage
Details about Advantage WRAP
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
Details about VIP
Details about VIP WRAP
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
Details about CostGuard
Details about CostGuard WRAP
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
Details about Select
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
Details about Mileage Plus
Limited Warranty is a powertrain program that can also match manufacturer-certified program terms with additional options for new vehicles. This program is designed for new and pre-owned vehicles in franchise and independent dealerships. Product highlights include:
- One level of named component Powertrain coverage
- Coverage terms up to 10 years/100,000 miles
- Dealer profit participation reinsurance and retro programs available
Details about Limited Warranty
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
Details about LEW
Maintenance Pro Plus offers scheduled maintenance service for any type of automobile. Product highlights include:
- Oil changes
- Oil filter replacement
- Chassis lube
- Tire rotation
Details about Maintenance Pro Plus