Our Product Suite

More ways to protect your customers
and grow profitability.

A comprehensive selection of vehicle protection products, participation programs, and retention solutions — tailored to your store.

Vehicle Service Contracts

Coverage built around your customers, inventory, and goals

From everyday vehicles to ultra-high-line inventory, we offer VSC options with flexible participation structures, broad vehicle eligibility, and features that bring customers back to your service department.

Participating ProgramsReinsurance, dealer obligor, and retrospective commission structures.
Direct, Non-Participating ProgramsOptions without dealer participation in underwriting results or exposure to underwriting losses.
Broad Vehicle EligibilityPrograms across all makes and models, including luxury, exotic, and ultra-high-line vehicles.
High-Mileage & Older VehiclesOptions for eligible vehicles with up to 200,000 miles at time of sale or up to 20 years of age.
Flexible Coverage LevelsPowertrain through exclusionary coverage, plus CPO wrap and full wrap options.
Unlimited-Mileage OptionsPrograms available for customers who need protection without a mileage-based term limit.
Nationwide CoverageAll VSC programs offer nationwide coverage.
Vehicle-Value ProtectionOptions with no hidden aggregate limits and coverage up to the vehicle's actual cash value.
Multiple Deductible OptionsFlexibility to match customer needs and dealership strategy.
Dealer Return ProvisionsAvailable options that direct customers back to your service department for covered repairs.
Disappearing DeductiblesAvailable programs that waive the deductible when customers return to your dealership for covered repairs.
Maintenance IncludedSelect VSC programs include maintenance at no additional charge for independent dealers without an on-site repair facility.
Insurance BackingPrograms backed by A+ rated insurance carriers.
Limited Warranties

Give customers another reason to buy from your dealership

Protection included in the vehicle purchase helps build buyer confidence and manage the cost of covered repairs after the sale.

Short-Term Limited WarrantiesThree- to six-month options, with reinsured and direct programs available.
12-Month and Longer TermsExtended protection tailored to your inventory and sales strategy.
Lifetime Limited WarrantiesOngoing protection for eligible vehicles, subject to program requirements.
Tire & Wheel Protection

Road hazard and cosmetic protection for a broad range of vehicles

Including specialty and high-line applications, with options that go beyond standard coverage.

Same-Axle CoverageAvailable protection for an additional tire on the same axle following a qualifying claim.
Unlimited Claim OptionsPrograms with no limit on the number of covered claims.
Extensive Vehicle EligibilityOptions across vehicle makes, models, and model years.
Carbon Fiber Wheel CoverageAvailable protection for eligible carbon fiber wheels.
Cosmetic-Only OptionsCoverage focused on qualifying cosmetic wheel damage.
Bundles & Ancillary Products

Offer products individually or create custom bundles

With or without tire and wheel protection — designed to fit your customers and sales process.

Paint & Fabric ProtectionInterior and exterior protection options, including ceramic and graphene treatments.
Key ReplacementProtection options for vehicle keys and key fobs.
Dent & Ding ProtectionPaintless dent repair benefits for qualifying minor damage.
Windshield ProtectionRepair-only and replacement coverage options.
Screen ProtectionProtection options for eligible vehicle display screens.
Lifetime Battery ReplacementBattery replacement programs subject to coverage and maintenance requirements.
Nitrogen Tire ProgramsNitrogen tire inflation programs with available protection benefits.
Vehicle EtchVehicle identification programs with available theft-related benefits.
Total Loss ProtectionAdded financial protection following a qualifying total loss.
Down Payment ProtectionPrograms designed to help protect a customer's down payment following a qualifying loss.
Specialty Programs

Retention solutions and unique dealer-owned programs

Products designed to bring customers back and keep your dealership at the center of every transaction.

Unique Products That Bring Customers Back

Specialty programs tied to qualifying accidents, total losses, theft, and diminished value — connecting valuable customer benefits with a return to your dealership.

Dealer-Owned Maintenance Plans

Your store. Your pricing. Your customer relationships. Build a maintenance program around your dealership's services — encourage repeat service visits and retain program earnings.

GAP Protection

Options include programs with 150% LTV eligibility and programs with no stated LTV eligibility cap, subject to provider guidelines, benefit limits, and applicable requirements.

F&I Contract Approval

F&I Sentinel-approved contract options across our F&I product lineup to support dealership and lender requirements. Approval confirmed for the specific contract, product, and lender.

Custom Products Built for Your Dealership

Have a specific opportunity in mind? We can help develop custom products, bundles, and program structures around your inventory, customers, branding, and profitability goals.

One Partner. Endless Possibilities.

Ready to build your product lineup?

Tell us about your store and we'll follow up to discuss which programs fit your inventory, customers, and goals.

Product availability, vehicle eligibility, coverage, claim limits, deductibles, participation structures, carrier ratings, and contract approvals vary by provider, program, lender, and state. "Lifetime" and "unlimited" benefits remain subject to the applicable agreement. Refer to individual contracts for complete terms, conditions, exclusions, and obligations.