Fiducia

Fiducia WHAT’S BEST FOR THE

DEALERSHIPS IS NOT

ALWAYS BEST FOR OUR

MEMBERS.

Fiducia REINSURANCE PROTECTS VEHICLE OWNERS AGAINST COSTLY REPAIR EXPENSES.

AVOIDING THOSE UNEXPECTED EXPENSES MEANS

LESS DEFAULTS

ON LOAN PAYMENTS FOR OUR

MEMBERS.

Fiducia NOW YOU CAN OFFER

EXACTLY THE SAME COVERAGE AS THE DEALERSHIPS,

AT A MUCH

LOWER PRICE. AND THAT IS BEST FOR OUR

MEMBERS.

COMP SILVER

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FLEX PREF

FLEX SELECT

COMP WRAP

COMP GOLD

ENGINE Lubricated parts contained within the engine block Timing Belt & Timing Belt Tensioner Turbo/Supercharger (installed by factory only) Cam & Crank Sensor(s), EGR Valve & O2 Sensor Fuel Pump, Lift Pump & Transfer Pump Fuel Injectors AUTOMATIC TRANSMISSION/TRANSFER CASE Lubricated parts contained within the housing Transmission Cooler MANUAL TRANSMISSION/TRANSFER CASE Lubricated parts contained within the housing DRIVE AXLE ASSEMBLY Drive Shaft & Universal Joints Constant Velocity Joints & Wheel Bearings SEALS & GASKETS (WHEN REQUIRED WITH COVERED COMPONENT) Cylinder Head & Intake Manifold Gaskets Fluids (when required with covered component) SUSPENSION Air/Coil/Leaf Springs & Ball Joints STEERING COMPONENTS High Pressure Lines, Power Steering Pump/Motor/Gear Box & Rack and Pinion BRAKE COMPONENTS ABS Hydraulic Components, Calipers, Master Cylinder & Wheel Cylinders Control Module & Wheel Speed Sensors AIR CONDITIONING Accumulator, Clutch, Compressor, Condenser & Evaporator ENGINE COOLING SYSTEM Electric Cooling Fan Motor, Fan Clutch & Water Pump Radiator & Recovery Tank Heater Core ELECTRICAL COMPONENTS Alternator, Front & Rear Window Wiper Motors & Starter Motor Distributor & Ignition Coils Door Lock Actuators/Switches, Seat Motors & Window Motors/Regulators/Switches Antenna Motor, Horn & Relay, Sliding Door/Lift Gate/Trunk Actuators & Sun Roof Motor MISCELLANEOUS Rental Benefits (for each eight hours of authorized repair time) 24-Hour Roadside Assistance Towing Diagnostic Charges (reasonable charges up to one hour) DIESEL, 1 ton, trucks or Jeeps lifted up to 6”, up to 5% difference from factory tire size LABOR RATE (per hour up to) HITECH (surcharge)

PROTECTION COMPARISON COMP PLAT

√ = Included = Not Included √M = Mandatory Surcharge √O = Optional w/ Surcharge NA = Not Applicable

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For New & Used Vehicles | Term Loan Coverage Up to 84 Months | Benefits Up to $100,000

VEHICLES DEPRECIATE - SOMETIMES FASTER THAN THE BALANCE OWED ON THE LOAN! THIS COULD RESULT IN

THOUSANDS OF DOLLARS OF FINANCIAL LIABILITY

IF A VEHICLE IS TOTALED OR STOLEN.

HOW GAP WORKS TRUWARRANTY GAP COVERAGE

PAYS THE AMOUNT OF THE LOAN NOT COVERED BY PRIMARY INSURANCE. LOAN/LEASE PAYOFF PRIMARY INSURANCE SETTLEMENT AMOUNT

$26,000 -$20,000

BALANCE (NEGATIVE EQUITY)

$6,000

TOTAL GAP AMOUNT WAIVED

-$6,000

YOUR OUT-OF-POCKET EXPENSE

$0

TIRE & WHEEL COVERAGE Road hazard coverage with no deductible or hidden fees, to include mounting, balancing, and valve stems; wheels, sales tax and labor charges • Covers damage from blowouts, nails, glass, potholes and debris • Covers aftermarket wheels • Covers curb damage and tire pressure monitoring sensors

COSMETIC WHEEL COVERAGE A repair process that restores the appearance of your wheels • Repairs scrapes, scratches and nicks caused by curb damage • If not repairable, the wheel will be replaced • Wheel covers (hubcaps), alloy, chrome, and chrome clad wheels are covered

DENT & DING REPAIR Minor dents and door dings are removed by trained technicians • No limit to the number of times the Paintless Dent Repair process can be applied • No sanding, painting, or body fillers are used • Hail damage deductible is covered up to $1000

WINDSHIELD REPAIR A permanent process in which cracks and breaks may be repaired with a powerful resin • A trained technician will repair your damaged windshield, so you avoid the cost of replacement • Repairs minor stars, cracks and chips • Can save on having to pay a costly windshield deductible

KEY REPLACEMENT Lost or damaged keys are replaced and programming charges are covered • Today’s technology has made keys and keyless fobs costly to replace • Coverage offers 24-hour emergency roadside assistance including towing, lockout assistance, and tire • Nationwide 24/7/365 service

Fiducia NOW YOU CAN OFFER

THE SAME CLAIMS TECHNOLOGY AS THE MOST ADVANCED DEALERSHIPS WITH THE ABILITY TO FILE CLAIMS

FROM A SMARTPHONE. PLUS, YOUR LENDERS WILL LOVE

OUR INTUITIVE INTERFACE

FOR SELLING AND REMITTING TRUWARRANTY PRODUCTS.

Fiducia 7/100 CUNA PRICE $100 DED PLATINUM

6/90 FORTEGRA PRICE $0 DED ELITE+

7/100 CARS EXTD PRICE $100 DED PLATINUM

11,000 $3,743

$1,615

$701

YEAR

MAKE/MODEL

MILEAGE

2019

Hyundai Elantra

2018

BMW 3 Series AWD 12,000 $6,467 $4,220 $1,948

2019

Ford Excape

24,000 $2,372 $2,095 $1,184

2020 Chevrolet Camaro

$1,583

$773

2020 Lexus IS300

$1,912

$701

2020 VW Passat

$1,912 $1,067

2020 Nissan Altima

$1,008

$701