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  • Asset Protection

    We realize that business relationships are about more than profit generation - they're about building trust and doing the right thing. Everyone representing Protective upholds these simple, yet powerful, beliefs. It’s the reason we take as much pride in our people as we do in the portfolio of innovative products we offer. And it’s why, when you carry Protective products, you can rest assured you’re doing what is best for your customers and your dealership.

    Peace of mind – it’s the bottom line. Through Protective, dealerships offer a promise that a customer is protected in the event of a covered mechanical breakdown. With more than 50 years of experience, we’ve established ourselves as a trusted industry leader offering a variety of vehicle protection plans serving franchise and independent dealerships


    In addition to offering a range of vehicle protection plans for new and pre-owned vehicles, we also offer limited warranty programs, GAP, and credit life and credit disability insurance. Many of our vehicle protection plans include emergency roadside assistance, towing and rental vehicle coverage (availability may vary by state).


    Our automotive product portfolio includes:


    • Advantage
    • VIP
    • CostGuard
    • Select
    • Mileage Plus
    • Certified Limited Warranty
    • Lifetime Powertrain Warranty
    • Lifetime Engine Warranty
    • GAP (Guaranteed Asset Protection)
    • Credit Insurance

    Since 1978, we have been supporting marine dealerships with protection plans that meet the needs of various watercraft owners. Tire and wheel protection (availability may vary by state) and accessory packages that cover additional watercraft components are also available.


    Our marine products are available for:


    • Gasoline Stern Drive and Inboard Engines Coverage
    • Outboard Engines Coverage
    • Diesel Stern Drive and Inboard Engine Coverage
    • Personal Watercraft and Sport Boat Coverage
    • Watercraft Accessory Coverage
    • GAP (Guaranteed Asset Protection)
    • Tire and Wheel Protection

    Exclusively endorsed by the Recreation Vehicle Dealers Association (RVDA) since 1992* and also backed by various state associations, XtraRide® and JayPlus™ are two of Protective’s innovative RV programs. We serve both franchise and independent dealerships offering flexible point-of-sale, post-sale and renewal programs.


    XtraRide comes with additional benefits that further enhance the purchase of a service agreement. Coverage for these benefits begins the day of agreement purchase and includes items such as towing and road service, concierge service, RV technical support, service call reimbursements, travel expenses, food spoilage, fuel and L.P. gas replacement, claim assistance, substitute transportation, pet benefit, manufacturer’s deductible reimbursement and airfare benefit. Optional tire and wheel coverage is also available (availability may vary by state).


    Our RV portfolio of products includes:


    • Motor Home Coverage
    • Towables Coverage

    * An RVDA endorsed product or service is one that has been extensively evaluated by the RVDA to assure quality, dependability and overall value. RVDA and the RVDA Education Foundation receive compensation from a Protective company for business generated by RV dealers.

    We have been serving powersports dealerships since 2001. Our XtraRide® Powersports Program is designed to increase customer satisfaction and provide peace of mind. The program includes pick-up and delivery reimbursement. On-road vehicles also receive the following benefits with the program: rental vehicle reimbursement, meals and lodging reimbursement and emergency roadside assistance. Optional touring, tire and wheel and towed trailer coverage (availability may vary by state) in addition to GAP coverage are also available.


    Our Powersports portfolio of products includes:


    • Motorcycles (On-Road and Off-Road), Mopeds and Scooters Coverage
    • Chopper and Custom V-Twin Motorcycles
    • Chopper and Custom V-Twin Motorcycles Coverage
    • All-Terrain Vehicles (ATVs and UTVs) Coverage
    • Snowmobiles Coverage
    • Personal Watercraft and Sport Boats Coverage
    • GAP (Guaranteed Asset Protection)

    In the event of a total loss or unrecovered theft, GAP 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 industries:


    • Auto
    • Marine
    • Powersports

    GAP benefits include:


    • 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

    Our Credit life insurance and credit disability insurance ensure that your customers receive protection if they are affected by a covered disability or death. Our credit insurance products give your customers the comfort and peace of mind that comes from knowing that their debts are insured.


    Our credit life and credit disability insurance products are available for the following industries:


    • Auto
    • Marine
    • Powersports

    Important plan details include:


    • Available as single or joint coverage
    • Payable regardless of any other insurance, workers’ compensation or sick leave
    • No medical exam is required
    • Borrowers 65 years or under may be eligible (where state allowed)