Dealer-Owned Reinsurance Since 1994
Car Dealer Reinsurance, Owned and Controlled by You
Stop handing your F&I premiums to a third-party provider. DealerRE forms and manages your own admin-obligor reinsurance company, from setup through claims.
- Your own reinsurance company, set up and run for you
- Reinsure the VSC, GAP and ancillary products you already sell
- Claims, compliance, filings and reporting handled by our team
Trusted since 1994. 400+ dealers served coast to coast. NIADA member and sponsor.
Prefer to talk? Call (804) 824-9533
Talk with a reinsurance specialist
Tell us about your dealership and we will walk you through how a dealer-owned program is structured.
Why dealers work with DealerRE
You own the company
We form your reinsurance company under an admin-obligor structure, so the company is yours and it is insured by A rated insurers.
Full-service administration
Company setup, legal forms, filings, tax returns and renewals, claims adjudication, compliance, bookkeeping and financial reporting.
Control of the claims experience
Claims on the products you sell are handled inside your own program, so you stay close to how your customers are taken care of.
Products you already sell
VSC and extended warranties, GAP, limited warranties, CPO, tire and wheel, windshield, door ding, theft prevention, DCC, CPI and VSI.
F&I training and menus
F&I development, menus and training classes online or in person, plus onboarding for your staff.
No hidden additional fees
We explain the structure and what it costs up front, and we review your numbers with you as the program runs.
How dealer-owned reinsurance works
Every time you sell a service contract, GAP or an ancillary product, a premium is paid. With a third-party or manufacturer provider, that premium and the underwriting income sit with them. With a dealer-owned program, the premium goes into a reinsurance company that you own, held in a tax-advantaged captive structure.
DealerRE builds and runs that company for you. We handle formation, legal forms, filings, tax returns and renewals, claims adjudication, compliance, bookkeeping and performance reporting. Our team also supports your F&I office with menus and training, and reviews your dealership numbers with you.
- Vehicle service contracts and extended warranties (VSC)
- GAP with 150% or 125% LTV, underlying deductible coverage and PowerTrain Assistance
- Limited mechanical breakdown warranties with customizable terms
- DealerRenew Certified: your own CPO program with a 100+ point inspection
- InTire tire and wheel with non-prorated coverage and 24/7 roadside service
- Windshield repair using the Safelite repair process and door ding paintless dent repair
- Theft Avert window etching and Phantom Footprints theft prevention
- BHPH and lender programs: Debt Cancellation Coverage, CPI and VSI
Trusted by dealers coast to coast
“Turnkey from A to Z! They really understand all the aspects of reinsurance and are ALWAYS available to help, being just a phone call away.”
“I became a Dealer Re client after an unfortunate incident with another reinsurance company. My experience has been nothing short of delightful. The staff are helpful and knowledgeable. Although we’ve been in the industry for many decades, they’ve provided solid advice to help us tweak our sales and control claims. Our penetration numbers are excellent! Claims are paid promptly, and without any arguments. In short...I am absolutely convinced Dealer Re was a great decision! Would highly recommend them to my fellow dealer entrepreneurs!”
“Without question, starting our own Reinsurance Company is one of the best decisions I ever made in the used car business.”
What happens after you reach out
Tell us about your store
Share your dealership type, the F&I products you sell now and who administers them today.
We review your setup
A specialist walks you through how a dealer-owned program would be structured for your store and answers your questions.
We build and run it
If it is a fit, we handle the company formation, forms and filings, train your staff, then manage claims, compliance and reporting.
Frequently asked questions
Is this an extended warranty I can buy for my own car?
No. DealerRE works only with dealers and lenders. We do not sell service contracts, GAP or insurance to car buyers. We help dealership owners reinsure the products they sell.
Do I have to be a franchise dealer?
No. We work with franchise, independent, retail and Buy Here Pay Here dealers, plus auto lenders and finance companies for VSI and CPI programs.
What does a program cost?
Cost depends on which products you reinsure, your volume and how the company is structured. DealerRE charges no hidden additional fees, and your specialist will lay out the structure and costs on your call.
How much work does this add for my team?
DealerRE provides full-service administration: claims adjudication, compliance, bookkeeping, financials, legal forms, filings, tax returns and renewals, so your staff can stay focused on selling cars.
Do you work outside Virginia?
Yes. DealerRE is based in Gloucester, Virginia and serves dealers nationwide, coast to coast. Our office hours are 9AM to 5PM, Monday through Friday.
I already use a third-party provider. Can I still look at this?
Yes. Many dealers come to us from third-party or manufacturer providers. On the call we review the products you sell today and explain how a dealer-owned structure would compare.
See how car dealer reinsurance would fit your store
Tell us about your dealership and the F&I products you sell. A DealerRE specialist will walk you through the structure, the administration we handle and the next steps.
- Your own reinsurance company, set up and run for you
- Reinsure the VSC, GAP and ancillary products you already sell
- Claims, compliance, filings and reporting handled by our team
Prefer to talk? Call (804) 824-9533