For Dealer Principals & F&I Directors
Vehicle Service Contract Reinsurance for Auto Dealers
Stop sending VSC profits to a third-party administrator. Own the company that reinsures the service contracts your store already sells.
- Keep VSC underwriting profits in your own company
- Admin obligor structure insured by A rated insurers
- Full-service setup, claims, filings and reporting
Trusted since 1994. More than 400 dealers served coast to coast.
Prefer to talk? Call (804) 824-9533
Talk to a Reinsurance Specialist
Tell us about your store and we will walk you through how VSC reinsurance would work for you.
Why Dealers Reinsure Their Own Service Contracts
Keep the underwriting profit
VSCs are one of the most lucrative F&I products. Reinsure them and the underwriting profit and investment income stay in your company instead of a third party's.
Control the claims experience
When you own the program, you have a say in how claims are handled for your customers. That supports repeat and referral business.
Admin obligor structure
Your reinsurance company is set up as admin obligor and insured by A rated insurers, so the paper behind your contracts is solid.
We handle the paperwork
Company setup, legal forms, filings, tax returns and renewals, bookkeeping, financials and performance reports are all managed by our team.
F&I training included
F&I development, F&I menus and F&I training classes online and in person help your team present service contracts consistently.
Built for your store type
Franchise, independent, retail and Buy Here Pay Here dealers all run programs with us, coast to coast.
How VSC Reinsurance Works for Your Dealership
Today you sell a vehicle service contract and a third-party administrator keeps the money left over after claims. With a dealer-owned reinsurance company, you reinsure those same contracts. Premiums flow into a company you own, claims are paid from it, and what remains belongs to you in a tax-advantaged captive structure.
DealerRE builds and runs that company for you. We formed our first dealer programs in 1994 and have helped more than 400 dealers nationwide. You keep selling cars. We handle claims adjudication, compliance, bookkeeping, financials, legal filings, tax returns and renewals.
- Vehicle service contracts and extended warranties reinsured through your own company
- Admin obligor structure insured by A rated insurers
- Limited mechanical breakdown warranties with customizable coverage
- DealerRenew Certified CPO program with a 100+ point inspection
- Add GAP, tire and wheel (InTire), windshield repair, door ding and Theft Avert to the same program
- BHPH options including DCC, CPI and VSI
- Dealership profitability analysis and tax planning strategy for dealer principals
- No hidden additional fees
Dealers Who Run Their Program With Us
“Great experience with the team at DealerRE. From start to finish they have been professional, helpful, and concerned with my needs. It's great to have more control over the warranty / service contract claims approval and even better that the profits stay with me instead of a third party warranty company. Thanks again.”
“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!”
“These guys are pros when setting up Dealer warranty. Superb service!”
What Happens After You Reach Out
We learn about your store
A specialist reviews your volume, your current F&I products and who administers them today.
We show you the numbers
You get a clear look at how a dealer-owned VSC reinsurance program would be structured for your dealership.
We set it up and run it
If it fits, we form the company, handle the filings and manage claims, compliance and reporting from there.
Frequently asked questions
Is this an extended warranty I can buy for my car?
No. DealerRE works only with dealerships and lenders. We help dealer principals form and run their own reinsurance company for the service contracts their store sells. We do not sell coverage to car buyers.
How much volume do I need to make this worth it?
It depends on your retail volume, the products you sell and your current penetration. Tell us your numbers and we will show you how a program would be structured for your store, including whether it is a fit.
What does it cost?
Program structure varies by dealership, so pricing is quoted after we review your situation. DealerRE charges no hidden additional fees, and that is covered in detail before you commit.
Do I have to manage the company myself?
No. DealerRE provides full-service administration: company setup, legal forms, filings, tax returns and renewals, claims adjudication, compliance, bookkeeping, financials and performance reporting.
Can I reinsure products other than service contracts?
Yes. Dealers commonly add GAP, limited warranties, tire and wheel (InTire), windshield repair, door ding protection and Theft Avert. BHPH dealers can add DCC, CPI and VSI.
Do you work with dealers outside Virginia?
Yes. DealerRE is headquartered in Southeast Virginia and works with dealers nationwide, coast to coast, across the United States.
See What VSC Reinsurance Could Look Like for Your Store
Send us a few details about your dealership and a DealerRE specialist will walk you through the structure, the paperwork we handle and the next steps. Call (804) 824-9533 or use the form.
- Keep VSC underwriting profits in your own company
- Admin obligor structure insured by A rated insurers
- Full-service setup, claims, filings and reporting
Prefer to talk? Call (804) 824-9533