LIFEGAP
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Complimentary Vehicle Return Product Offering
- Cost effective market differentiator - advertise a "Guaranteed Vehicle Return"
- Ability to white label complimentary Vehicle Return to build your brand
- Effective tool for customer acquisition & retention
- Helps retain financing through the dealership
- Cost is mitigated when upgraded to LifeGap Waiver or Vehicle Return Lease Wrap
The new Vehicle Protection Plan is designed to deliver a solution that surpasses the expectations of franchise auto dealers while providing consumers with protection that means peace of mind.
Coverage
With four coverage levels plus a Wrap option, this new service contract program meets the various needs of new, pre-owned and manufacturer CPO vehicles sold at franchise dealerships.
Vehicle Plans
The new protection plan program includes additional or expanded vehicle eligibility for OEM-authorized certified pre-owned (CPO) vehicles and older vehicles still covered by a manufacturer's extended powertrain warranty. Unlike the CPO solution offered in existing products, the new Vehicle Protection Plan provides a flexible, comprehensive solution that can readily be adapted to future changes in OEM CPO programs. The Wrap-Pre-owned coverage within the new program can be written for terms extending beyond the remainder of the underlying manufacturer's extended powertrain warranty. These new features are designed to give dealers the tools needed to tailor service contract offerings to every customer's needs.
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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

Our Powertrain Limited Warranty for Life will protect the major components of your customer’s vehicle for as long as that customer owns the vehicle after a short waiting period of 90 days and at least 3,000 miles. This program is designed for pre-owned vehicles of independent dealerships but is also available for franchise dealerships. The program provides dealers the opportunity to stand above the competition while providing their customers peace of mind. Product highlights include:
- The major components of your customer’s vehicle are protected for as long as that customer owns the vehicle after the waiting period
- Deductible options: $100, $200 and $500
- Rental car coverage included
- Dealer participation programs such as retro and reinsurance are available

GAP
In the event of a total loss or unrecovered theft, GAP (Guaranteed Asset Protection) will, in most cases, pay the difference between the actual cash value and the scheduled balance owed to the lender.
GAP is available for the following Protective industries:
GAP is available for the following Protective industries:
- Auto
- Marine
- Powersports
- Payable in the event of a total loss
- Covers the difference, in most cases, between the scheduled loan pay-off amount and the asset’s actual cash value net of refunds
- Covers customer’s primary insurance deductible up to $1,000 (where state allowed)
- Protection for vehicles with a loan amount of up to $100,000 at the time of purchase
- Up to 84 months of protection available
How GAP Coverage Works
Radiance Protection is a cutting edge provider of automotive and RV appearance protection. Radiance products have been developed with advanced formulations to provide dealers and customers with a superior appearance protection product.
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Tire and Wheel Protection
The R.O.A.D. InTire program is comprehensive tire and wheel repair and replacement coverage.
The program also offers Roadside Assistance for tire related emergencies. Less expensive than
traditional road hazard coverage, R.O.A.D. InTire covers all vehicle tires, both the original and
replacement tires, for the duration of the contract with no limit to the number of claims a customer
can make and no deductibles. The InTire program can be sold on new, lease or used vehicles and
can be combined with vehicle service contracts. The program is low cost to dealers and increases
CSI with 24-hour toll free “sign and go” emergency dispatch service.

Dent and Door Ding Protection
IAS offers paintless door ding protection programs that protect vehicles against door dings and
small dents without the need for expensive and time consuming body shop repairs. A great addition
to a finance or lease menu, IAS Door Ding protection is a highly successful profit center that
requires no investment or installation and cannot be cancelled. The innovative PDR process uses
specialized hand tools to manipulate and flex metal back to its original form, helping consumers
retain resale value because in most cases, there is no evidence that a dent ever existed. Certified
technicians can complete most dent repairs in about the time required for an oil change.

Key Replacement
With features such as electronic chips and remote entry systems, a new key can cost hundreds
of dollars to replace. In the event a key is lost, stolen or destroyed, IAS will pay for a replacement.
The IAS R.O.A.D. Key Replacement program not only protects you against the expense of stolen
or lost keys, but also helps eliminate the hassles of an already stressful situation. If the ignition
key is accidentally locked inside the car, locksmith services are also covered. 24-hour emergency
roadside assistance, custom trip routing and discounts from most national auto rental chains are
all part of the IAS R.O.A.D. Key Replacement program.
With features such as electronic chips and remote entry systems, a new key can cost hundreds
of dollars to replace. In the event a key is lost, stolen or destroyed, IAS will pay for a replacement.
The IAS R.O.A.D. Key Replacement program not only protects you against the expense of stolen
or lost keys, but also helps eliminate the hassles of an already stressful situation. If the ignition
key is accidentally locked inside the car, locksmith services are also covered. 24-hour emergency
roadside assistance, custom trip routing and discounts from most national auto rental chains are
all part of the IAS R.O.A.D. Key Replacement program.