Product Suite
Programs & Services
F&I Performance Redefined.
Excela Protect is a revolutionary F&I provider led by industry experts with nearly 100 years of combined experience helping multi-unit franchise dealer groups maximize their profitability.
We were born from the frustration auto groups have with conventional F&I providers who do not offer the flexibility, responsiveness, and results that scaled dealership businesses deserve. To address this, we specialize in creating customized administrative operations for a limited number of clients to deliver tailored products, store-level insights, fee transparency, and real-time rate adjustments to optimize F&I revenue and reinsurance performance.
Lifetime Limited Powertrain Warranty
Elite dealers set themselves apart with our Lifetime Limited Powertrain Warranty, providing unparalleled coverage for costly engine, transmission, and drivetrain repairs. This exceptional warranty ensures that customers enjoy peace of mind and long-term protection throughout their entire vehicle ownership.
• “Why Buy” Differentiator: Set your store apart from local competitors to drive customer preference.
• Turnkey Promotions: We provide in-store point-of-sale materials and digital marketing to increase awareness.
• Unlimited Time and Mileage: Coverage lasts as long as the driver owns the vehicle.
• Eligibility: Our standard program is designed for new or used vehicles within 5 model years of age and 100,000 ODO miles, for the most popular makes and models.
• Low Deductible: Only $100 per repair visit.
• Customized Options Available
• New and Used Vehicles
Powertrain Wrap
Customers who receive the Lifetime Limited Powertrain Warranty can purchase our Powertrain Wrap to expand their coverage and cover additional critical components. Available for new and pre-owned vehicles (same eligibility as Lifetime Limited Powertrain Warranty).
• Three (3) Coverage Levels: From basic to exclusionary coverage, we have options that fit your customers’ needs.
• Three (3) Deductible Options: We offer standard $0 and $300 deductibles, as well as a $100 disappearing deductible that is waived when customers return to your dealership for service.
• Enhanced Surcharges: Customers can upgrade their coverage to include modern, expensive parts, like Autonomous Driving Systems and EV/Hybrid Batteries, as well as common options for Snowplow and Lift/Drop.
• Competitive Benefits: $150 towing, $50 roadside assistance, $50/day rental car reimbursement, $150/day travel/lodging reimbursement.
• Variety of Terms: Ranges from 12 months/12,000 miles to 120 months/125,000 miles.
• Customized Options Available
• Transferable
Extended Protection (VSC)
Our flagship product, Extended Protection (vehicle service contract) offers your customers a way to purchase mechanical breakdown coverage for new or pre-owned vehicles. With a wide range of available coverage and terms, our VSC fits most of your customers’ needs and budgets.
• Four (4) Coverage Levels: From powertrain-only to exclusionary coverage, we have options that fit your customers’ needs.
• Three (3) Deductible Options: We offer standard $0 and $300 deductibles, as well as a $100 disappearing deductible that is waived when customers return to your dealership for service.
• Enhanced Surcharges: Customers can upgrade their coverage to include modern, expensive parts, like Autonomous Driving Systems and EV/Hybrid Batteries, as well as common options for Snowplow and Lift/Drop.
• Variety of Terms: Ranges from 6 month/6,000 miles (pre-owned vehicles) to 120 months/125,000 miles.
• Competitive Benefits: $150 towing, $50 roadside assistance, $50/day rental car reimbursement, $150/day travel/lodging reimbursement.
• Eligibility: Available for most passenger vehicles within 10 model years old and up to 150,000 ODO miles, with a small list of exceptions for supercars, etc. An option for Commercial vehicles is also available.
• Customized Options Available
• Transferable
Term Care Protection
Available for new vehicles, Term Care Protection covers wear-and-tear items and other repairs not typically included in standard VSCs. This product is a great way to increase customer loyalty for your dealership’s service center.
• Our Best Coverage: Includes our exclusionary VSC coverage Ultra Protect.
• Enhanced Surcharge Options: Customers can upgrade their coverage to include Autonomous Driving System, Snowplow, and Lift/Drop.
• Variety of Terms: Ranges from 24 months/24,000 miles to 72 months/72,000 miles.
• Customized Options Available
• $0 Deductible
• Transferable
• Services Included:
+ Wheel Alignment (covers 1 alignment)
+ Headlamps (unlimited coverage)
+ Brake Pads (covers 1 set)
+ Windshield Wiper Blade (covers 1 set)
+ Electronic Entry Devices (1 repair annually)
+ Battery (covers 1 12V battery)
+ Electrical (unlimited coverage of fuses, interior lights, etc.)
+ Belts & Hoses (includes serpentine belt, power steering belt, etc.)
Mileage Plus Protection
Mileage Plus Protection provides best-in-class mechanical breakdown coverage for high mileage vehicles (150K – 200K ODO). With a variety of coverage options and terms, this product provides affordable protection for most buyers.
• Three (3) Coverage Levels: From powertrain-only to comprehensive and exclusionary coverage, we have options that fit your customers’ needs.
• Three (3) Deductible Options: We offer standard $0 and $300 deductibles, as well as a $100 disappearing deductible that is waived when customers return to your dealership for service.
• Enhanced Surcharges: Customers can upgrade their coverage to include modern, expensive parts, like Autonomous Driving Systems and EV/Hybrid Batteries, as well as Lift/Drop.
• Three (3) Terms: 12 months/12,000 miles, 24 months/24,000 miles, and 36 months/36,000 miles.
• Competitive Benefits: $150 towing, $50 roadside assistance, $50/day rental car reimbursement, $150/day travel/lodging reimbursement.
• Eligibility: Available for most passenger vehicles within 20 model years old and up to 200,000 miles, with a short list of exceptions.
• Customized Options Available
• Transferable
Certified Pre-Owned (CPO) Wrap
The Certified Pre-Owned (CPO) Wrap enhances the coverage of OEM certified pre-owned vehicles, providing additional protection for key components not covered by the standard CPO warranty.
• Three (3) Coverage Levels: From basic to exclusionary coverage, we have options that fit your customers’ needs.
• Three (3) Deductible Options: We offer standard $0 and $300 deductibles, as well as a $100 disappearing deductible that is waived when customers return to your dealership for service.
• Enhanced Surcharges: Customers can upgrade their coverage to include modern, expensive parts, like Autonomous Driving Systems and EV/Hybrid Batteries, as well as Snowplow.
• OEM Terms & Eligibility: Our Wrap matches OEM CPO program terms and eligibility.
• Competitive Benefits: $150 towing, $50 roadside assistance, $50/day rental car reimbursement, $150/day travel/lodging reimbursement.
• Customized Options Available
• Transferable
Purchase Price Protection
Purchase Price Protection (PPP) is a great solution for customers who say they “never use” their vehicle service contract. PPP offers coverage, terms, and features identical to our Extended Protection VSC, but with the added benefit of reimbursing up to $2,500 when no claims are filed during the contract term.
• Exceptional Perceived Value: The potential for a refund instills customer confidence that the product offers value regardless of whether a claim is made or not.
• Increased Premium: Customers are typically willing to pay the slightly higher price for this product, which helps contribute to your profit participation program.
• Same Best-In-Class VSC: Coverages, benefits and features are identical to our Extended Protection (VSC) program, including deductibles, terms, and eligibility.
• Customized Options Available
Prepaid Maintenance
Boost customer loyalty with our Prepaid Maintenance program, offering discounted packages for essential vehicle services. By promoting regular maintenance, it helps extend vehicle lifespan, enhance performance, and ensure reliability. This highly marketable program
• Discounted 3-Service Package: Lube, oil, and filter changes, tire pressure checks, tire rotations, and multi-point inspections across three service visits.
• Breakage Benefit: Unused service reimbursement funds are returned to your auto group.
• Reinforces Service Drive Sales
• Customized Options Available
Key Protection
Differentiate your dealership with our comprehensive Key Protection coverage. This program ensures that customers are covered for the cost of replacing lost, stolen, or inoperable keys. By offering this valuable protection, you provide peace of mind and convenience, helping to strengthen customer loyalty and satisfaction.
• No-Hassle Coverage: Replaces key or remote in the event it’s lost, inoperable or stolen.
• Competitive Benefits: $150 towing, $50 roadside assistance.
• Variety of Terms: Up to 60-months.
• Customized Options Available
• New and Used Vehicles
• $0 Deductible
• Transferable
Tire & Wheel Protection
Enhance your dealership’s offerings with our Tire & Wheel Protection, featuring comprehensive coverage that includes curb and cosmetic wheel damage. Unlike typical industry plans, our protection ensures a straightforward, hassle-free experience for customers, eliminating confusion and streamlining claims. This added benefit not only boosts customer satisfaction but also simplifies the service drive process, making it a win-win for both buyers and your dealership.
• Comprehensive Coverage: From road hazards to curb and cosmetic damage.
• Competitive Benefits: $150 towing, $50 roadside assistance.
• Variety of Terms: Up to 84-months.
• Customized Options Available
• New and Used Vehicles
• $0 Deductible
• Transferable
Windshield Repair & Replace
Set your dealership apart with our Windshield Repair & Replace coverage. Utilizing a comprehensive service network, this program allows repairs to be conveniently completed at customers’ homes, workplaces, or at your dealership’s service shop. This flexibility ensures quick, reliable, and convenient service, elevating customer satisfaction and loyalty.
• Comprehensive Coverage: Repairs chips or small cracks, or replaces windshield when covered damage is not repairable. Calibration included.
• Variety of Terms: Up to 60 months.
• Customized Options Available
• New and Used Vehicles
• $0 Deductible
• Transferable
Paintless Dent Repair
Offer your customers exceptional care with our Paintless Dent Repair coverage. This innovative service swiftly removes minor dents and dings without the need for traditional body shop repairs. With zero-deductible protection, it ensures vehicles maintain a flawless appearance, providing a smooth and efficient experience for both customers and your dealership service center.
• Comprehensive Coverage: From road hazards to curb and cosmetic damage.
• Competitive Benefits: $150 towing, $50 roadside assistance.
• Variety of Terms: Up to 84 months.
• Customized Options Available
• New and Used Vehicles
• $0 Deductible
• Transferable
Bundled Ancillaries
Maximize value for your customers with our Bundled Ancillary Services, offering a discounted combination of all four essential ancillary coverages: Tire & Wheel Protection, Paintless Dent Repair, Windshield Repair & Replace, and Key Protection. This comprehensive package provides complete peace of mind and exceptional savings, enhancing customer satisfaction and loyalty.
• Multiple Product Combinations: Customers can choose from 2, 3 or all 4 products (where applicable).
• New and Used Vehicles
• Variety of Terms: Up to 60-months.
• Competitive Benefits: $150 towing, $50 roadside assistance – included with all bundles, regardless of the product combination. Plus, Substitute Transportation is available for covered Tire & Wheel events, up to $350.
• Customized Options Available
• Transferable
Appearance Shield
Excite your customers with the ultimate protection and shine provided by Appearance Shield. Utilizing the most advanced ceramic graphene exterior chemical on the market, this non-cancelable product offers a deep, mirror-like shine while guarding against common external and internal damage. Enhance your dealership’s offerings with this comprehensive coverage, ensuring vehicles maintain their pristine condition and providing exceptional long-term value.
• Top-of-the-Line Interior Protection:
+ Easy for your store to apply.
+ Treats vehicle’s fabric, carpet, leather, and vinyl surface.
+ Long-lasting defense against incidents and UV damage.
• Ceramic Graphene Exterior Paint Protection:
+ We have sourced the most advanced, nanotechnology ceramic graphene, formulated to create a hard surface, enhancing appearance and durability.
+ Environmentally friendly, long-lasting, water-based protectant.
• Upsell Opportunity: Customers can choose to add extra layers of protection for wheels (preventing staining from excessive brake dust), black trim molding (defending against discoloration and fading), and headlight lenses (preventing dulling and yellowing).
• Non-cancelable
Excess Wear & Use Protection
Offer your leasing customers peace of mind with our Excess Wear & Use Protection. By alleviating the financial burden of lease-end repairs, this protection ensures a worry-free leasing experience and enhances customer satisfaction.
• Comprehensive Coverage: Up to $5,000 of eligible excess wear and use, including exterior body panel dings, glass damage, and wheel scratches.
• Max Single Benefit Options: $500 or $1,000
• Term Options: Standard (return vehicle within 90 days) or Open (return within one-year).
• Three (3) Deductible Options: $0, $100, or $300
• Customized Options Available
Guaranteed Asset Protection (GAP)
Expand your dealership’s F&I offerings with our Guaranteed Asset Protection (GAP) Waiver. In the event of a total loss, this waiver covers the difference between the outstanding loan balance and the vehicle’s actual cash value, preventing customers from facing substantial debt. By providing this essential protection, you add significant value to your product lineup and offer comprehensive financial security for your customers.
• 96 Month Max Term Limit
• Up to 150% MSRP/NADA
• $125,000 Maximum Finance Limit
• Commercial Usage Coverage Available
• OEM Approved Forms
• Customized Options Available
