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Products

Automotive Reinsurance

What is It?

Owners & General Managers of Car Dealerships can truly benefit from reinsurance programs by reinsuring their F&I or Finance Products like Extended Service Contracts, GAP Coverage, Prepaid Maintenance, etc. Nearly all products sold in the Finance Department can be reinsured. Reinsurance allows dealers to profit from unused service contracts and create a secondary profit center. Dealerships gain operational advantages such as improved customer retention with a 40 mile tie back (when a customer needs to make a claim and they are within 40 miles of your dealership you can require them to come to you first for service), streamlined sales, and detailed risk and pricing analysis by our actuaries. Reinsurance can protect your dealership in economic downturns, offering access to large sums of cash, a new revenue stream without altering existing processes, and offers preferential tax treatment.

How It Works

You are signed up with a pretend warranty company called ABC Warranty. Let’s say that ABC Warranty Company charges you $800 for a 5 year service contract. You sell 10 service contracts per month.

$800 x 10 = $8000 a month 

$8,000 x 12 = $96,000 over 1 year 

$96,000 x 5 = $480,000 over 

Why Would I want to Offer One

Reinsurance allows you to keep that $480,000 inside a new company that you own. And after all the claims are paid to customers there will be money left over. That left over money now becomes yours to keep as profit. Why let ABC warranty company keep YOUR profit?
Keep in mind that this is only 1 product, most of our clients also reinsurance Tire & Wheel Road Hazard, Ding & Dent, Etch, Theft, GPS, GAP & more….. Think of all the profits you are missing out on!
We offer a done for you solution that allows dealer principals and or general managers to receive all the benefits of reinsurance WITHOUT any of the risks.

Automotive Dealer Owned Warranty Company

What is It?

A Dealer-Owned Warranty Company (DOWC) is a specialized structure that allows automotive dealers to take full ownership of their F&I products—specifically extended service contracts—through a separate C corporation. Rather than sharing profits with third-party administrators or insurers, a DOWC empowers the dealer to serve as the warranty provider and directly control all revenue and investment returns. Treated as an insurance company for tax purposes, a DOWC creates significant financial advantages and long-term wealth-building potential for large dealership groups.

How It Works

Let’s say the service contract is sold to the consumer for $2,000. If we assume the dealership profit is $1,000, that means the remainder is held by a third party who controls the funds to its own benefit. -The DOWC structure proves there’s a better way. With a dealer-owned warranty company, a dealer forms a separate C corporation that controls the entire service contract transaction and all funds including investments. The DOWC serves as the provider of the service contracts and is treated as an insurance company for tax purposes.

At Malibu Financial, our dealer-owned warranty company is a testament to our commitment to excellence in customer service and satisfaction. With transparent policies and customizable warranty methods, we prioritize meeting the diverse needs of our clients. Our company ensures your vehicle investment is protected with top-tier coverage and reliable service.

Our dealer-owned warranty company offers comprehensive dealers warranty packages to ensure the longevity and reliability of your vehicle. With a focus on customer satisfaction, we provide transparent and flexible warranty options tailored to your needs. We stand as a testament to our commitment to excellence and integrity in the automotive industry. 

We take pride in being recognized as one of the best extended warranty companies in the industry. Our firm offers top-tier coverage and exceptional service to ensure customer satisfaction. With transparent policies and customizable plans, we strive to meet the diverse needs of our clients. 

A DOWC brings the tax advantages of the insurance industry to Automotive F&l, creating a true wealth-building opportunity for dealers. Here’s how that works.
Let’s go back to that $2,000 service contract with a term of, say, 10 years. Now, because the term of the service contract is 10 years, the earned premium for the first year is only $200. The rest is considered unearned premium reserves, or UPR, that gets earned over the rest of the term.
For accounting purposes, these UPR funds are considered a liability, not an asset. As the years go by, the UPR becomes earned and is initially regarded as taxable income until it is offset. One thing that’s important to note is that the rate of earnings is affected by the IRS’s requirement to reduce deductions by 20% for increases in unearned premium. Now let’s get back to that offset. The commission the dealership earns on the sale of the service contract which was the dealership profit in the traditional scenario,plus incentives, administrative and insurance fees, management fees, and any other expenses, these are all considered acquisition costs for the warranty company.
That’s right, what is considered profit for the dealership is treated as an expense for the DOWC. So thanks to the unique structure of a DOWC, the same $2,000 service contract will result in a net operating loss, or an NOL. that can be carried forward every year for the duration of the service contract. In this example, the resulting net operating loss for the first year is a negative $1,200. This loss is carried forward to result in an NOL for seven years, only as modified by tax requirements.

Here’s why this is so important. The annual net operating losses can be used to offset

as much as 100% of taxable income in a given year, while still carrying a loss to the following tax year. and unlike many reinsurance structures, investment income is not taxed separately. But it gets even better, because say that in year five or so, there is a claim. Any payments for that claim will only add to the net operating loss, extending the window that the NOL can be carried forward. And you can do all this without having to go the route of setting up an overseas entity. Want to see how this could benefit your dealership?

Why Would I want to Offer One

  • Maximize F&I Profits: Capture 100% of service contract profits—no more revenue sharing.

  • Build Long-Term Wealth: Accumulate tax-deferred reserves and investment income.

  • Improve Cash Flow: Access your own funds to support floorplans, growth, or other investments.

  • Tax Benefits: Utilize annual NOLs to offset taxable income—potentially up to 100%.

  • Control Your Brand: Offer private-labeled warranties that boost customer loyalty and brand value.

  • Security: In a down market, a DOWC acts as a financial buffer, safeguarding your dealership.

Automotive Profit Sharing

What is It?

A Dealer Retro or Profit Share Program is an arrangement between the warranty provider and the dealer. In this case the dealership receives a percentage of the profit after all claims, expenses, cancellations and fees on certain products such as extended warranties, GAP , Tire & Wheel products, and other add-ons. This program typically incentivizes dealers to sell more of these products and stay loyal to their current extended warranty provider. Dealers are required to hit certain thresholds in order to be eligible for a profit share program. For example ABC warranty company may require that you sell a minimum of 250 service contracts per year AND maintain a loss ratio below 70% in order to receive 50% of underwriting profit. Typically the more contracts you sell, the higher the profit share you receive( 70 – 80 – 100% ) of left over profit.

How It Works

Dealers can enroll in the program offered by a warranty provider . As they sell eligible products or services, they earn credits or points towards a retroactive payment or a share in the profit generated from those sales. The specific mechanics can vary, including thresholds for earnings, calculation methods, and payout schedules.

Why Would I want to Offer One

Retro or Profit share programs can be a great additional revenue source that warranty providers offer up as a reward to dealerships for their outstanding sales efforts. It’s a way to maximize earnings from each sale. Retro Programs are ideal for smaller dealerships who do not meet the volume requirements for a reinsurance position.

The ideal dealership for a retro program:

  • Sell less than 250 cars per year
  • You sell less than 120 warranties per year

Automotive Extended Service Contract

What is It?

Extended Service Contracts (ESCs), often referred to as Vehicle Service Contracts (VSCs), are aftermarket warranty solutions that provide coverage for repairs and services beyond the manufacturer’s original warranty. At their core, ESCs serve as a powerful tool for building trust and long-term relationships with customers by offering peace of mind through tailored coverage options. Whether it’s exclusionary, stated component, powertrain, luxury, or EV-specific protection, our broad suite of programs is designed to meet the needs of every automotive niche—from new and used car dealers to exotic car brokers and financial institutions.

How It Works

When a dealership offers a VSC, they are giving customers the option to protect their vehicle investment through coverage that suits their driving habits and vehicle type. Coverage can range from limited powertrain warranties to full exclusionary, bumper-to-bumper plans. All of our VSCs are customizable and can be placed into a Reinsurance or Dealer-Owned Warranty Company (DOWC) program, allowing the dealer to retain underwriting profits. Each plan is designed to provide value to the customer while increasing dealership profit margins. From certified pre-owned to high-mileage vehicles, and even EV-specific service contracts, our solutions are built to integrate easily into your sales process and F&I menu.

Why Would I want to Offer One

Extended Service Contracts are more than just a safety net for customers—they are a strategic profit center for your dealership. By offering the right VSCs, you increase per-vehicle retail (PVR), enhance customer loyalty, and differentiate your dealership from the competition. These contracts reduce customer anxiety, build trust, and give your team an opportunity to provide tailored solutions that improve satisfaction and retention. Plus, with options to reinsure, your dealership can participate in underwriting profits, compounding your revenue potential over time. Whether you’re selling new cars, high-mileage inventory, or specialty vehicles, offering ESCs gives you a powerful, flexible, and profitable edge.

Automotive Guaranteed Asset Protection (GAP)

What is It?

Guaranteed Asset Protection (GAP) coverage is a financial protection product that covers the “gap” between what a customer owes on a vehicle loan and the actual cash value paid by their insurance company in the event of a total loss due to theft, fire, or accident. GAP also reimburses up to $1,000 of the customer’s insurance deductible.

How It Works

If a customer totals their vehicle and the insurance settlement is less than what they still owe on their loan, GAP steps in to pay the difference.

Example:

  • Vehicle Value at Time of Loss: $25,000

  • Loan Balance at Time of Loss: $30,000

  • Insurance Settlement: $25,000

  • Insurance Deductible: $1,000

  • Total GAP Coverage Needed: $5,000

  • Total GAP Payout: $6,000 (includes deductible reimbursement)

We offer GAP programs tailored for a wide range of dealerships and financial institutions:

  • Franchise & Used Car Dealers

  • Buy Here Pay Here Dealers

  • Luxury, Exotic & Wholesale Dealers

  • Car Brokers, Banks, Credit Unions, and more

Programs are reinsurance and DOWC eligible.

Why Would I want to Offer One

  • Peace of Mind: Protects customers from owing thousands out-of-pocket if their vehicle is totaled.

  • Added Value: Enhances dealership offerings and customer satisfaction.

  • Revenue Opportunity: Provides dealers with an additional income stream through reinsurance or DOWC structures.

  • Flexible Options: Available for Auto, RV, Powersports, Motorcycle, Trailer, and Boat dealerships.

  • Nationwide Availability: GAP products and similar options are available in all 50 states.

👉 Request a Quote Today to find the best-fit GAP program for your dealership or financial institution.


 

Automotive Diminished Value Protection

What is It?

  • Comprehensive Vehicle Value Protection: Vehicles can lose up to 30% of their value after an accident, even with impeccable repairs. This program safeguards against such depreciation, maintaining the vehicle’s trade-in and resale value.

  • Builds Trust and Loyalty: By offering protection against diminished value, you signal to customers that their long-term satisfaction and vehicle value are top priorities, enhancing loyalty.

  • Creates Additional Revenue Streams: Beyond the commission for enrolling customers, dealerships can opt to reinsure this product, opening up significant profit avenues and allowing for greater control over the financial benefits.

  • Direct Payments Enhance Dealership Role: At claim time, payments are sent directly to the dealership, reinforcing the dealership’s role in customer care and simplifying the reimbursement process for customers.

  • Encourages Return Business: Customers are more inclined to return for trade-ins or new purchases, knowing their vehicle’s value has been protected, thus increasing repeat business opportunities.

How It Works

Implementing this program is straightforward and integrates seamlessly with existing sales and finance processes. It provides immediate peace of mind to customers, knowing their investment retains its value despite unforeseen accidents. This program, especially when combined with the dealership’s option to reinsure, places the dealership in a unique position to offer a valuable service while also benefiting financially from the structure of the program itself.

Why Would I want to Offer One

A distinctive feature of this program is the process at claim time—payments are made directly to the dealership, streamlining the claim process for customers and ensuring a smooth transaction. This not only simplifies the administrative process but also strengthens the relationship between the customer and the dealership by directly involving the dealership in the resolution of the claim.

Incorporating a Diminished Value Protection Program that includes options for dealership reinsurance and features direct claim payments positions your dealership as a leader in innovative customer service and financial strategy. This program not only protects your customers’ investments but also aligns perfectly with the dealership’s goals for increased revenue and customer satisfaction.

Discover the benefits of adding a Reinsurable Diminished Value Protection Program to your dealership offerings. Contact us to explore the implementation process and how this program can significantly enhance your dealership’s value proposition and bottom line.

By offering a safety net against diminished value and engaging in a direct payment claim process, your dealership not only provides unmatched value to your customers but also enjoys enhanced revenue and a stronger market position.

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Automotive Tire Sealant Protection

What is It?

Tire Seal Protection is a patented liquid sealant that is injected into a vehicle’s tubeless tires. The sealant protects against rim & seal bead leaks and punctures up to 5/8th of an inch in diameter.

How It Works

At Malibu Financial, our tire wheel warranty offers unparalleled protection for your vehicle’s wheels and tires. Our innovative tire sealant solution provides peace of mind against common road hazards and punctures. Our warranty ensures you can drive confidently, knowing your investment is safeguarded. Trust us for reliable tire wheel warranty coverage that keeps you rolling smoothly on the road.

 In the event that the sealant fails to completely seal any leaks caused by road hazards, we will pay to repair or replace the damaged tires or wheels. Road hazards are defined as conditions of a public roadway that should not exist such as potholes, nails, glass and other debris that are not normally found in the public roadway. 

Why Would I want to Offer One

Car dealerships continuously seek fresh, innovative approaches to create new sources of revenue, and Tire Seal Protection offers precisely that. Consumers often prefer products that are tangible—those they can touch, feel, and utilize in their daily lives. This product meets these criteria perfectly. It’s not only visible in action but also provides genuine peace of mind. Customers can rest assured knowing they’re protected from both the financial burden of repairing or replacing damaged tires and the inconvenience of handling a flat tire. Our program promises a flat-free experience, or we cover the cost.

Automotive Tire & Wheel Road Hazard

What is It?

Tire & Wheel Road Hazard Coverage pays to repair or replace damaged tires & wheels due to road hazards. Road hazards are defined as conditions of a public roadway that should not exist such as potholes, nails, glass and other debris that are not normally found in the public roadway.

How It Works

Our wheel and tire protection plans offer comprehensive coverage to keep your vehicle rolling smoothly on the road. With our advanced tire sealant technology, we provide added defense against punctures and road hazards. The plans are designed to give you peace of mind and confidence in every journey.

We have several variations of this program that may include some or all of the following additional benefits.

Why Would I want to Offer One

In most car dealerships today Tire & Wheel Road Hazard is extremely popular amongst consumers. It’s a high value low cost product and almost everyone has a story about a flat tire. It ranks second only to extended service contracts which will always take the number most purchased protection product.

Automotive Theft Protection

What is It?

Auto Theft Protection serves as a deterrent to thieves while also mitigating the unforeseen costs associated with vehicle theft. Often referred to by names such as “Auto Etch” or “Auto Code,” this protection strategy employs strategically placed, uniquely coded labels. These labels are designed not only to deter potential thieves but also to assist police in identifying vehicles that are eventually recovered.

How It Works

Malibu Financial’s automotive theft protection services are designed to safeguard your vehicle from potential thefts. We provide comprehensive protection against unauthorized access and theft incidents through advanced security measures and tracking systems. Our automotive theft protection solutions offer peace of mind, ensuring that your vehicle remains secure at all times. 

The anti-theft labels are affixed in specific areas, embedding a traceable code that remains detectable under ultraviolet (UV) light, even if the labels are removed. Should a vehicle be stolen and not recovered, the customer is eligible for a cash benefit of up to $5,000. This compensation is sent directly to the dealership, from where the customer can collect it, providing an added layer of support in such distressing circumstances.

Why Would I want to Offer One

This product is ideal for dealerships who are looking for a great low cost, high value preload product. It’s an excellent tool to help you close more deals and retain high profit margins.

Yes, auto theft protection is 100% able to be reinsured.

Theft protection isn’t just for consumers; it also acts as an additional insurance layer for dealership inventory. Dealerships that proactively install this product on vehicles in their inventory are likewise entitled to a cash benefit if a theft occurs.
This implies that in the unfortunate event a vehicle equipped with theft protection is stolen from the dealership lot, the dealership could be eligible for a cash payout of up to $5,000. This payout can significantly offset costs associated with insurance deductibles and acquiring a replacement vehicle, providing a financial cushion that can be invaluable in managing unforeseen losses.

Can’t find what you are looking for? Send us a message there is a 99% chance we have it.

Automotive RecovR GPS

What is It?

RecovR GPS is a revolutionary wireless lot management and theft recovery solution developed by Kudelski IoT, part of the Kudelski Group, designed for automotive dealerships. This innovative product offers a two-in-one solution that enhances lot efficiency and offers a new revenue stream for the Finance & Insurance department (F&I) without any upfront costs to the dealership.

Recovr is famous for its simple (no wires) 1 minute installation and pairing with vehicles, allowing real-time visibility of vehicle inventory from a single platform. This technology not only streamlines lot management operations but also significantly enhances the security of vehicles on the lot and comes with a 5 year battery life.

 

How It Works

RecovR provides a theft recovery mode that enables real-time tracking of vehicles using cellular, wifi, bluetooth & GPS technology to track vehicles if they leave the lot after hours, improving security and potentially reducing garage holder’s insurance costs. Additionally, when a car equipped with RecovR is sold, the dealership’s F&I team can offer buyers the RecovR consumer mobile app, allowing them to track their car in real-time, offering peace of mind and a valuable purchase add-on. This product was successfully deployed in hundreds large multi-location dealerships across the United States showcasing its effectiveness in improving lot efficiency, speeding up the sales process, and creating new F&I revenue streams​​​​​​.

Why Would I want to Offer One

Recovr is ideal for dealers who are looking for a high value low cost pre load product that customers can touch, feel and use. Here are a few use cases.
  • Inventory Management – See all of your vehicles on one user friendly website 
  • Theft Detection & Prevention – Setup alerts, GEO Fencing and notifications to make sure you know what’s happening at your store
  • Rental Fleet Management 
  • Loaner Car Management – Know if customers are taking vehicles out of state
  • Service Department Vehicle Tracking 
  • Dealer Trades 
  • Employee Loaner Cars

Recovr is available to New Car & Used Car Dealerships across the United States & Canada. 

Yes, RecovR GPS can be reinsured with our $5000 vehicle theft benefit.

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Automotive RecovR for Keys

What is It?

RecovR for Keys is a smart, wireless, battery-operated locator device that helps dealerships and consumers easily track and recover vehicle keys. Developed by Kudelski IoT as part of the successful RecovR GPS product line, this solution is designed to last for years and is paired with a Key Replacement Limited Warranty. For consumers, it offers a mobile app to help locate missing keys using light and sound alerts or pinpointing their location radius. If the keys cannot be found, the warranty provides guaranteed key replacement and roadside assistance—all for a one-time payment.

How It Works

RecovR for Keys works through a mobile app that gives real-time visibility into the location of all tagged keys. In a dealership setting, staff can instantly locate vehicle keys from a centralized dashboard, drastically reducing the time spent searching. The device emits an audible alert and light signal to help locate keys quickly and easily. Seamlessly integrated with the RecovR for Vehicles platform, it allows both key and vehicle inventory to be managed together on a single, streamlined interface. It can also sync with Dealer Management Systems (DMS) for a full inventory and operational overview.

Why Would I want to Offer One

For dealerships, RecovR for Keys solves one of the most common and costly problems—misplaced or lost keys—while creating a new non-cancellable revenue stream for the F&I department. It shortens sales cycles, improves customer satisfaction, enhances inventory control, and increases dealership efficiency. It’s a low-cost, high-value preload product that adds real tech appeal to your offering. Reinsurable and designed for integration with existing dealership systems, it also boosts PVR and drives profit across multiple departments. Whether for a smoother sales process, tighter operations, or a better customer experience, RecovR for Keys is a powerful tool every dealership should consider.

Automotive Brake Light Rear-End Collision Prevention System

What is It?

The Brake Light Rear-End Collision Deterrent System is a safety device designed to minimize the risk of rear-end collisions. It operates by enhancing the visibility of your vehicle’s braking action to the drivers behind you. When you apply the brakes, Brake Plus makes the third brake light flash in a pattern that’s more noticeable than a standard brake light, catching the attention of following drivers more effectively and providing them with additional reaction time.

 

How It Works

Upon braking, the system triggers your vehicle’s third brake light to flash rapidly before maintaining a steady light, as is standard when brakes are applied. This flashing pattern is designed to be immediately noticeable, thereby alerting drivers behind you quicker than a standard brake light might. This increased noticeability is key in giving following drivers extra time to react, which can be crucial in preventing rear-end collisions.

Why Would I want to Offer One

For consumers, this product provides peace of mind, added safety, and a financial guarantee if a rear-end collision occurs. For dealerships, it’s a powerful profit generator across departments. The parts department sells the unit to service, service installs it, sales sells the vehicle preloaded with the system, and finance can offer extended warranty coverage—making it a low-cost, high-retail value product that enhances profitability at every stage. It also sets the dealership apart by promoting safety innovation. Plus, it’s reinsurable, providing an additional revenue stream. With thousands of dealerships already on board, it’s a proven winner for safety and profits.

Automotive Warranty Forever

What is It?

Warranty Forever® presents a revolutionary approach to enhancing dealership value and customer engagement. This program is designed to set your dealership apart in a competitive market, moving beyond the traditional “meet it or beat it” sales strategy. Warranty Forever® is not just a warranty program; it’s a comprehensive strategy that impacts every department within your dealership, from sales to service, parts, and finance & insurance (F&I).

Ensure peace of mind for vehicle owners with our warranty services. With our comprehensive warranty forever program, customers can trust in the longevity and reliability of our purchases. Our commitment to exceptional warranty services sets us apart in the automotive industry, providing unparalleled protection against unexpected repairs. Every customer’s investment is safeguarded for the long haul.

Explore the extended warranty coverage options available at Malibu Financial to safeguard your vehicle beyond the standard warranty period. With our comprehensive warranty forever program, you can enjoy peace of mind knowing that your investment is protected against unforeseen repairs. Our commitment to providing extensive extended warranty coverage reflects our dedication to customer satisfaction and vehicle reliability.
At Malibu Financial, discover competitive extended warranty cost options tailored to your needs and budget. You can make informed decisions about protecting your vehicle investment with transparent pricing structures. We'll ensure our extended warranty costs remain affordable while providing comprehensive coverage against unexpected repairs. Take advantage of our flexible payment plans and secure your peace of mind without breaking the bank.
We stand among the top extended warranty companies, providing unparalleled coverage and service to our customers. Our commitment to excellence ensures that your vehicle investment is safeguarded against unexpected repairs. With transparent pricing and comprehensive coverage options, we prioritize your peace of mind. Trust Malibu Financial as one of the top extended warranty companies to protect your vehicle and provide you with a worry-free driving experience

How It Works

GAP coverage protects your customer from large unexpected financial obligations. In the event a customer financing a vehicle experiences a total loss due to a fire accident or a theft, GAP will pay the difference between how much the customer owes on the vehicle and how much the insurance company is willing to pay for their totaled vehicle and GAP will reimburse the customer up to $1000 of their insurance deductible.

Why Would I want to Offer One

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Automotive Paint & Fabric Protection

What is It?

Paint & Fabric protection, also known as “environmental protection” is a professionally applied eco-friendly chemical coating to both the interior and the exterior of the vehicle. It is specially formulated to protect the outside of the vehicle against environmental hazards such as bird droppings, tree sap, hard water etching, sun damage, acid rain, industrial fallout, loss of gloss, fading, cracking etc. For the interior of the vehicle it will protect the carpet and other surfaces from stains, rips, tears, punctures, spills, burns, crayons, markers, bacterial and foul odors with our antimicrobial solutions.

How It Works

Our paint protection product is a wonderful addition to the finance department that serves as a non-cancellable profit center for the dealer and a great investment for the consumer. When a customer purchases a paint protection warranty they will enjoy a vehicle that remains looking, feeling & smelling brand new throughout their ownership.

The number 1 reason why consumers would want this product is for one reason, “resale value”. Imagine that you have 2 vehicles coming in on trade. Both vehicles are the same year, make, model & mileage, but one of them looks brand new and the other looks beat up and used. Which one would you pay more for? The one that looks brand new right!

Why Would I want to Offer One

Automotive Environmental Protection is ideal for New Car & Used Car dealerships who are looking for a new F&I product profit center. It can be sold as a simple stand alone product on the finance menu or it can be an excellent ancillary preload product. With terms that range from 1 – 7 years there is a solution for your specific needs. Many dealers tend to bundle paint & fabric protection with our paintless dent repair (PDR) to create the ultimate cosmetic protection warranty package for the customer. 

Yes you can reinsure our paint & fabric protection warranty. 

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Automotive Paintless Dent Repair

What is It?

Also known as ding and dent protection or paintless dent repair this protection provides the consumer with coverage designed to keep their vehicle looking brand new and free of blemishes. Paintless Dent Repair (PDR) is a method used to fix minor dents and dings on vehicles without the need for sanding, painting, or body fillers in most cases there is no evidence a dent ever existed.

 

How It Works

Our paintless dent repair warranty provides coverage on dents and dings up to 4 inches in length/diameter, our dent protection provides coverage from 6 months up to 10 years. The number 1 reason why consumers would want this product is for one reason, “resale value”. Imagine that you have 2 vehicles coming in on trade. Both vehicles are the same year, make, model & mileage, but one of them looks brand new and the other looks beat up and used. Which one would you pay more for? The one that looks brand new right!

Why Would I want to Offer One

Ding & Dent Protection is ideal for New Car & Used Car dealerships who are looking for a new low cost high value F&I product profit center. It can be sold as a simple stand alone product on the finance menu or it can be bundled with other ancillary products. Many dealers tend to bundle paintless dent repair with our paint & fabric protection to create the ultimate cosmetic protection warranty package for the customer.

Yes you can reinsure our paintless dent repair. 

Can’t find what you are looking for? Send us a message there is a 99% chance we have it.

Automotive Forever Battery

What is It?

Forever Battery offers an innovative solution for vehicle owners, ensuring their car battery and key tracking devices are always in peak condition. This program is designed to remove the worries associated with battery defects or key tracking device failures, offering no-cost replacements and a suite of benefits aimed at enhancing vehicle performance and owner convenience. For dealership owners, general managers, and F&I departments, Forever Battery presents an attractive value proposition to customers, enhancing satisfaction and loyalty while creating new revenue opportunities.

How It Works

  • Corrosion Elimination: Forever Battery’s technology actively prevents battery corrosion, ensuring enhanced cranking ability and smoother vehicle starts.

  • Extended Battery Life: By preventing battery drain and improving electrical flow, Forever Battery significantly extends the life of car batteries, reducing the need for frequent replacements and maintenance.

  • Bluetooth Key and Smartphone Tracking: Stay organized and never lose track of your keys or smartphone again, thanks to integrated Bluetooth tracking. This feature provides peace of mind and adds a layer of security to your daily routine.

  • Reliable Charge for On-Time Starts: Ensure your vehicle is always ready to go with a properly charged battery, eliminating the stress of unexpected battery failures.
    Find What You Need: With advanced Bluetooth technology, locate your keys or smartphone in seconds — even if your phone is on silent. This feature is especially beneficial for those who frequently misplace their items or need quick access to their vehicle.

Why Would I want to Offer One

    • Enhanced Customer Offering: Forever Battery enriches your dealership’s portfolio of services, providing a strong selling point that addresses common customer concerns about battery life and key loss.

    • Increased Customer Retention: Offering a program like Forever Battery can significantly boost customer loyalty by demonstrating your dealership’s commitment to their long-term satisfaction and convenience.

    • Revenue Generation: Enrolling customers in the Forever Battery program creates additional non-cancellable revenue streams for the dealership through program fees and the potential for increased service visits.

    • F&I Department Empowerment: This program gives your F&I team a valuable tool to offer customers, enhancing the attractiveness of your dealership’s financial and insurance packages.

  • Preload: Forever battery is a great non-cancellable F&I product that can be preloaded on vehicles and requires very little time to install but offers high value for both the customer and the dealership.

    Yes you can Reinsure Forever Battery! See more on Reinsurance. 

    Forever Battery is not just about protecting against battery or key failure; it’s about providing a seamless, worry-free experience for vehicle owners. It encapsulates technology, convenience, and security into one comprehensive package, offering dealerships a powerful tool to enhance customer satisfaction and drive business growth.

    Discover the difference Forever Battery can make for your dealership and your customers. Contact us today to learn more about this innovative program and how it can be integrated into your offerings.

    Join the ranks of forward-thinking dealerships enhancing their customer experience and service offerings with Forever Battery.

    Can’t find what you are looking for? Send us a message there is a 99% chance we have it.

Automotive Prepaid Maintenance

What is It?

Prepaid Maintenance Plans (PPM) let your customers pay upfront—or roll into financing—for future maintenance at today’s prices. It’s convenience, savings, and dealership loyalty all in one package.

From oil changes and tire rotations to wipers, detailing, and more, it’s a no-brainer value-add that keeps your service bay full and customers happy.

How It Works

  • Build Your Custom Maintenance Package
    Choose what’s included: oil changes, filter swaps, rotations, multi-point inspections, nitrogen tires, detailing—you name it.

  • Customers Pay Now, Save Later
    Lock in current service pricing. No surprises, no future inflation hikes.

  • Add to Monthly Payments or Pay Upfront
    Seamless financing makes it easy for customers to say yes.

  • Certified Techs + Factory Parts
    All work is done by your pros, using manufacturer-approved parts and fluids.

Why Would I want to Offer One

ChatGPT said:

Selling Prepaid Maintenance Plans (PPMs) is a smart strategy for any dealership looking to boost profitability, enhance customer retention, and add value to every sale. These plans create a new revenue stream with built-in profit margins and, when reinsured, offer dealers the added benefit of earning underwriting profit and investment income. PPMs keep customers returning to your service drive, increasing loyalty and reducing the chances of them seeking service elsewhere. By bundling maintenance into the financing of the vehicle, customers enjoy the convenience of predictable costs, which leads to higher satisfaction and fewer objections at the service counter. These plans also improve service bay utilization by encouraging scheduled visits, keeping your technicians productive and your fixed ops thriving. On top of that, consistent maintenance boosts resale value and CSI scores, making your dealership stand out in a competitive market. Ultimately, PPMs are more than just a service product—they’re a long-term retention tool that delivers financial upside and reinforces your commitment to customer care.

Automotive Accelerated Payment Program

What is It?

The Accelerated Payment Program is a revolutionary approach designed to combat high interest rates, enabling customers to save significantly over the lifespan of their vehicle loans. By splitting monthly payments into bi-weekly installments, the principal balance is reduced at a faster pace, thereby decreasing the total interest paid. Dealerships benefit from this program by receiving commissions for every customer enrollment, adding a valuable service offering to their portfolio.

Experience the ease of automated payments with the Accelerated Payment Program. Forget the hassle of writing and mailing checks; enjoy lower payments directly matched to your paydays, making budget management a breeze.

How It Works

  • Match Lower Payments to Paydays: Align your vehicle payments with your income schedule for simplified personal finance management.
  • Rapid Loan Payoff: Accelerate your journey to freedom from debt. With our program, you can pay off auto loans up to 8 months earlier and home mortgages up to 7 years faster.
  • Eliminate Late Fees: On-time, every time. Timely payments contribute to an improved credit score, keeping extra charges at bay.
  • Build Equity Swiftly: Gain ownership of your vehicle or home quicker. Enjoy increased equity when deciding to sell or trade.
  • Safety and Security: Rest assured with electronic payments, a safer alternative to the uncertainties of mailing checks.

Why Would I want to Offer One

In an era of fluctuating interest rates, offering a solution that tangibly reduces financial strain and promotes faster asset ownership is a powerful tool in any dealership’s arsenal. The Accelerated Payment Program stands as a testament to innovation in financial services, aligning dealership offerings with the financial aspirations of today’s savvy consumers.

Dealerships partnering with the Accelerated Payment Program not only offer their customers a path to significant savings but also elevate their own service portfolio. Enroll customers in a program that promotes financial well-being, enhances customer loyalty, and secures an additional revenue stream for your dealership.

The Accelerated Payment Program is more than a payment plan; it’s a commitment to financial empowerment. Dealerships ready to make a difference in their customers’ lives, accelerate loan payoffs, and secure a competitive edge are invited to join us on this journey.

Take the first step towards transforming the financial landscape for your customers and enhancing your dealership’s value proposition. With the Accelerated Payment Program, the road to savings is not just faster; it’s smarter and more secure.

Can’t find what you are looking for? Send us a message there is a 99% chance we have it.

What is It?

Windshield Protection offers an advanced, ultra-hydrophobic coating designed to significantly enhance the durability and clarity of vehicle glass. This patented two-step application process not only protects against the elements but also improves driving safety through enhanced visibility. For dealership owners and general managers, incorporating Windshield Protection into your suite of offerings can open up a new revenue stream while providing tangible benefits to your customers.

How It Works

Our patented formula creates an ultra-hydrophobic barrier on the windshield, offering numerous advantages:

  • Improved Clarity and Visibility: Significantly enhances the driver’s visibility during rain, snow, and challenging weather conditions, contributing to safer driving experiences.
  • Protection Against Elements: Effectively repels water, ice, snow, bugs, mud, and small road debris, ensuring the windshield remains clear and undamaged.
  • Ease of Maintenance: Makes cleaning the windshield easier, as dirt and grime wash away effortlessly, maintaining the vehicle’s aesthetic appeal.
  • Long-Term Glass Protection: Shields against environmental damage like acid rain, corrosion, and mineral buildup, prolonging the windshield’s life.

Why Would I want to Offer One

  • Increased Revenue for Dealerships: Every installation of Windshield Protection on a new or used vehicle represents an additional profit opportunity for the dealership. By integrating this service into your F&I department’s portfolio, you can create a compelling upsell that benefits both the customer and your bottom line.
  • Enhanced Customer Satisfaction: Customers enjoy significant benefits from the Windshield Protection, including improved visibility in adverse weather conditions, easier cleaning of the windshield, and enhanced protection from road debris. This leads to higher customer satisfaction and loyalty, as they appreciate the value-added service that protects their investment.
  • F&I Department Empowerment: The F&I department plays a crucial role in presenting and selling Windshield Protection. This product not only adds to the department’s arsenal of offerings but also supports its goal of maximizing deal profitability. Training and materials provided for the F&I team will ensure they are well-equipped to explain the benefits and handle customer inquiries effectively.
  • Attractive to Owners and General Managers: Implementing Windshield Protection in your dealership’s service offerings aligns with the goals of owners and general managers to increase revenue per vehicle sold and improve overall customer satisfaction. It’s an innovative product that distinguishes your dealership from competitors, appealing directly to consumers’ desire for longevity and quality in their vehicle care.

Automotive Customizable Roadside Assistance Programs

What is It?

Custom Roadside Assistance is a fully branded, dealership-specific 24/7 roadside program designed to build loyalty, boost retention, and give your customers peace of mind. From towing and jumpstarts to travel discounts and maintenance perks, you choose the services that match your brand and customer base.

This isn’t cookie-cutter. This is your dealership’s name on a roadside program that drives customer trust—and extra revenue.

How It Works

  1. We Build It, You Brand It
    Select the coverage options, lifestyle perks, and support features you want. We create a turnkey program under your brand.

  2. 24/7 Coverage
    Towing, flat tire changes, lockouts, fuel delivery, battery boost, and more—all handled by a nationwide network.

  3. Extra Perks for Your Customers

    • Travel planning assistance

    • Hotel, entertainment, and rental car discounts

    • Discounts on vehicle service and tire purchases

    • 24/7 technical support hotline

  4. Optional Reinsurance
    Keep your earned premiums by reinsuring the roadside program and unlocking new long-term revenue opportunities.

Why Would I want to Offer One

  • Boost Customer Loyalty
    Give buyers a reason to come back—and tell their friends.

  • Stand Out From Competitors
    A custom-branded roadside program sets your store apart.

  • New Revenue Streams
    Offer tiered memberships and keep premium revenue with reinsurance.

  • More Service Revenue
    Built-in discounts bring customers back for service and maintenance.

  • Total Flexibility
    Pick only the services and benefits that match your brand and customer needs.

Automotive Digital F&I Menu

What is It?

The Digital F&I Products Menu is a web-based tool designed to help auto, RV, powersport, trailer, and marine dealerships present and sell aftermarket Finance & Insurance (F&I) products more effectively. It replaces old-school paper menus with a smart, dynamic digital platform that ensures accuracy, customization, and ease of use across any device.

It’s used nationwide by thousands of dealerships to streamline the F&I process, improve customer experience, and boost sales of products like VSCs, GAP, and Tire & Wheel.

How It Works

  1. Present Digitally or Remotely
    Use a touchscreen device (like an iPad) or computer to walk customers through a tailored F&I presentation in-store or online.

  2. Customize on the Fly
    Choose from unlimited templates to build offers based on the customer’s profile, vehicle, and preferences.

  3. Automate & Integrate

    • Connects directly with your DMS and lenders.

    • Automates accurate payment calculations.

    • Integrates aftermarket product providers into one seamless system.

  4. Track Performance
    Get real-time metrics and insights into what products are selling, allowing you to adapt and improve sales strategy instantly.

  5. eContract Everything
    Finalize and sign all contracts digitally within the platform—quick, clean, and compliant.


 

Why Would I want to Offer One

  • Increase Profits
    Personalized digital presentations significantly boost product acceptance rates—meaning more sales of VSC, GAP, T&W, and more.

  • Improve Efficiency
    No more double entry, manual errors, or juggling between systems—everything lives in one easy-to-use platform.

  • Sell Remotely
    Reach customers beyond your showroom with remote-friendly presentations and eContracting.

  • Enhance Customer Experience
    Faster, cleaner transactions = happier customers and better CSI scores.

  • Stay Competitive
    This is the future of F&I. Adopting a digital menu now keeps your dealership modern, professional, and ahead of the curve.

Virtual F&I Office Done For You

What is It?

Outsourced F&I is a full-service remote Finance & Insurance department built for independent and used car dealerships that don’t have an in-house finance manager. It gives you instant access to experienced F&I pros, lender relationships, compliance expertise, and top-tier aftermarket products—without the overhead.

Whether you’re selling cars, trailers, RVs, or powersports vehicles, this is a turnkey solution to boost profits and improve delivery without hiring or training a full finance team.

How It Works

  • We Handle the Financing
    Our expert remote F&I team works your deals, presents to customers, and finalizes funding—so you can focus on sales.

  • You Get the Benefits

    • Access to top lenders and competitive rates.

    • Sell service contracts, GAP, and Tire & Wheel from high-trust providers.

    • All deals stay compliant, clean, and funded fast.

  • No Hiring, No Hassle
    We take care of staffing, compliance, lender setup, and product sourcing. You just send us the deal—we take it from there.

  • Scales With You
    As your store grows, we can help you transition to a hybrid or in-house model when you're ready.

 

Why Would I want to Offer One

    • More Profit Per Car
      Most dealers leave money on the table by skipping F&I. We help you capture those missing profits—without the cost of hiring.

    • Zero Overhead, All Expertise
      Skip the salary, benefits, and training. You get a full F&I department for a fraction of the cost.

    • Better Rates & Lenders
      Our nationwide lender volume = better deals for your customers and more approvals.

    • Premium F&I Products
      Access to high-quality VSC, GAP, and T&W programs normally reserved for larger dealers.

    • Fast, Compliant Funding
      We handle the paperwork and compliance so your deals close quickly and cleanly.

Automotive Insurance Brokerage Partnership

What is It?

A Virtual Insurance Agency is a digital-first insurance platform that dealerships can integrate directly into their sales process. Unlike traditional finance departments, it requires no physical space, specialized staff, or compliance overhead. It transforms your dealership into a one-stop-shop for both vehicles and insurance — seamlessly and profitably.

This solution is available for:

  • Auto Dealers

  • RV Dealers

  • Powersport & Motorcycle Dealers

  • Trailer Dealers


 

How It Works

  • Turnkey Integration: Set up involves a simple one-time agency fee. The virtual insurance platform is designed to plug into your existing sales and service workflow with minimal disruption.

  • On-Demand Insurance: Customers are offered insurance quotes and coverage options right at the point of sale or service, powered by a behind-the-scenes insurance partner.

  • No Overhead: All insurance-related operations — from licensing and compliance to quote generation — are managed externally. You don’t need to hire or train new finance staff.

  • Digital Delivery: Customers receive documentation and support virtually, aligning with the modern consumer preference for streamlined, remote transactions.

Why Would I want to Offer One

  • Boost Revenue Instantly

    • Generate residual, recurring income through policy sales — income that compounds as your agency scales.

    • Create a new profit stream without increasing staffing or physical overhead.

    Enhance Customer Experience

    • Offering insurance at the point of sale improves customer buying power, often freeing up budget for extended warranties, upgrades, or accessories.

    • A more convenient, all-in-one transaction drives customer satisfaction and loyalty.

    Stay Ahead of the Curve

    • Differentiate your dealership in a crowded market with innovative service offerings.

    • Adopt a tech-forward, low-risk model that aligns with today’s digital-first consumer habits.

    Effortless Operations

    • Avoid the typical pain points of launching a finance and insurance (F&I) department — this is F&I without the friction.

    • The provider shoulders the burden of performance and compliance, meaning you only gain.


     

Automotive White Label Credit Repair Software

What is It?

Auto dealerships are uniquely positioned to benefit from integrating white label credit repair software into their service offerings. This innovative solution not only opens up a new revenue stream but also significantly enhances the customer buying experience, especially for those facing financial hurdles.

White label credit repair software is a customizable, branded platform that allows businesses, like auto dealerships, to offer credit repair services under their own name. This solution is designed to be flexible, scalable, and fully integrated into the dealership’s existing operations, providing a seamless experience for both the dealership and its clients

 

How It Works

  • Boost Car Sales: By assisting customers with improving their credit scores, dealerships can expand their customer base to include those who might previously have been unable to secure financing.

  • Generate Recurring Revenue: Dealerships receive a commission for each customer who signs up for credit repair services, creating a steady stream of income from the subscription-based model.

  • Enhance Customer Loyalty: Providing a service that directly contributes to customers’ financial well-being establishes trust and loyalty, encouraging them to return to your dealership for their next purchase.

  • Never Lose a Sale: This approach ensures that even if a customer initially cannot be approved for financing, there is a pathway to approval, keeping the door open for future sales.

  • Credit Report Analysis: Automated tools quickly identify inaccuracies or areas for improvement on credit reports.

  • Dispute Management: Manage and track the progress of disputes to ensure efficient resolution.

  • Client Portal: Allows clients to monitor their credit repair progress and maintain open lines of communication.

  • Automated Workflows: Streamline processes to enhance efficiency and reduce the workload on dealership staff.

Why Would I want to Offer One

For many potential car buyers, securing financing at a reasonable interest rate is a major barrier to purchasing the vehicle they desire. White label credit repair software offers a “done for the dealer” solution, enabling dealerships to easily sign up customers for credit repair services directly. This not only aids customers in achieving the credit score necessary for better financing options but also fosters loyalty and increases the likelihood of future sales. 

Integrating white label credit repair software into your dealership’s offerings not only provides immediate financial benefits through new revenue streams but also enhances your competitive edge by offering comprehensive financial solutions to your customers. This strategic addition to your services ensures you can cater to a broader audience, improve customer satisfaction, and ultimately, sell more vehicles.

Discover how our White Label Credit Repair Software can transform your dealership’s approach to customer financing challenges. Contact us today to learn more about integrating this powerful tool into your business model, and take the first step towards unlocking financial freedom for your customers and new growth opportunities for your dealership.

By providing critical credit repair services, your dealership not only helps customers achieve their dream of owning a new car but also secures a loyal customer base for years to come.

Can’t find what you are looking for? Send us a message there is a 99% chance we have it. 

White Label Credit Repair is also available for :

Automotive Email Marketing Warranty

What is It?

Elevate Customer Loyalty and Dealership Revenue with Strategic Reinsurance

In the competitive landscape of automotive sales and service, dealerships are constantly seeking innovative strategies to enhance customer loyalty and drive repeat business. The concept of integrating reinsurance into your marketing efforts presents a groundbreaking opportunity to not only craft effective email and print campaigns but also to capitalize on the associated risks through a reinsurance company. This dual approach ensures your dealership enjoys the dual benefits of increased customer engagement and reinsurance profits.

How It Works

  1. Choose a Target List
    Select a high-potential audience—such as unsold internet leads from last year or existing service customers.

  2. Craft a Custom Offer
    Create compelling promotions like:

    • $1,000 off the internet price on their next vehicle.

    • 50% off tire rotation.

    • A free oil change.

  3. Define Reimbursement
    Decide how much of each offer is reimbursed through the reinsurance company, helping you manage profit margins.

  4. Structure the Program
    Experts help design and structure the reinsurance component, ensuring everything is compliant and set up for maximum return.

  5. Launch & Track
    Deploy the campaign via email or print, and use reinsurance reports to monitor performance and profitability.

Why Would I want to Offer One

  • Turn Marketing Into Profit
    Instead of just spending on ads, your dealership earns from them by participating in the risk—and reward—through reinsurance.

  • Boost Customer Loyalty
    Custom offers drive customers back for service and sales, improving retention and repeat revenue.

  • Proven, Measurable ROI
    With built-in reporting, every campaign can be tracked, optimized, and scaled with confidence.

  • Flexible Across All Dealer Types
    Available for Auto, RV, Powersports, Motorcycle, Trailer, and Marine dealers.

Automotive Nationwide Car Wash Membership Program

What is It?

Dealerships seeking innovative strategies to augment customer value and simultaneously open up new revenue channels will find a perfect match in our nationwide car wash membership program. This unique offering not only caters to dealerships lacking their own car wash facilities but also presents a viable solution for those aiming to bypass the high maintenance costs associated with in-house operations.


How It Works

  • Nationwide Accessibility for Customers: Offer your customers the convenience of redeemable free car washes at a wide network of locations, ensuring their vehicle stays clean and well-maintained wherever they are.

  • An Ideal Preload Product: This program serves as a high-value, low-cost addition to every vehicle you sell, enhancing the overall customer purchase experience.

  • Direct Revenue Generation and Reinsurance Opportunity: Every enrollment into the program generates commission for your dealership. More significantly, this program introduces an opportunity for reinsurance, allowing you to capture and manage the associated risks while benefiting from the potential profits and building a substantial revenue stream over time.

  • Effective Negotiation and Upsell Tool: Leverage the car wash membership as a negotiation asset in your sales process or as an attractive upsell by the finance department, offering more comprehensive packages or extended terms.

  • Engagement Through Technology: With an app that guides customers to participating car washes and dealerships, this program also boosts your digital engagement, keeping your dealership at the forefront of customer convenience.

Why Would I want to Offer One

Build Customer Loyalty: A tangible, practical benefit like a car wash membership significantly increases customer satisfaction, encouraging repeat business and referrals.

Reduce Overheads: For dealerships with existing car wash services, this program offers a way to reduce maintenance and repair expenses while still providing customers with valuable services.

Expand Revenue with Reinsurance: By opting to reinsure this product, dealerships not only earn through customer enrollments but also establish a profitable, controlled financial venture that grows with each subscription, ensuring long-term revenue generation.

Implementing a nationwide car wash membership program within your dealership’s service offerings not only sets you apart in terms of customer value but also opens up new avenues for revenue through direct commissions and reinsurance opportunities. This strategic move enhances your dealership’s profitability while ensuring customers receive exceptional service that keeps them coming back.

Discover the comprehensive benefits of integrating our car wash membership program, including the unique opportunity to reinsure and maximize your revenue. Contact us today to explore how this program can transform your dealership’s approach to customer service and financial growth.

By offering a nationwide car wash membership, you not only provide your customers with a valuable service but also secure a profitable, growth-oriented future for your dealership.

Can’t find what you are looking for? Send us a message there is a 99% chance we have it. 

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