Drive Revenue with Vehicle Protection, Under Your Brand
Launch white-label vehicle service contracts, GAP coverage, and tire & wheel protection for your dealership or automotive brand. Own your F&I experience with 100% in-house programs.
Complete Coverage for Every Vehicle
Offer a full suite of F&I protection products at the point of sale, all white-labeled and fully integrated with your dealership.
Vehicle Service Contracts
Comprehensive powertrain, bumper-to-bumper, and stated component coverage. Flexible terms from 1–7 years or mileage-based.
- Powertrain & drivetrain coverage
- Bumper-to-bumper plans
- Mileage-based options
GAP Coverage
Protect buyers from owing more than their vehicle is worth. Cover the gap between insurance payout and remaining loan balance.
- Loan & lease gap coverage
- Deductible reimbursement
- Total loss protection
Tire & Wheel Protection
Cover tire damage from road hazards, curb impacts, and wheel cosmetic damage. No deductible required.
- Road hazard coverage
- Cosmetic wheel repair
- No deductible claims
Protection Programs for Every Vehicle Type
From sedans to electric vehicles, our platform adapts to your dealership lineup.
Sedans & SUVs
The bread and butter of F&I. VSC, GAP, and tire & wheel protection for the most common vehicle types.
Trucks & Commercial
Heavy-duty coverage for work vehicles. Powertrain, fleet maintenance, and downtime protection programs.
Electric Vehicles
Battery, drivetrain, and charging system coverage. EV-specific plans that build buyer confidence.
Motorcycles & Powersports
VSC, accident, and theft protection for motorcycles, ATVs, and UTVs. High-margin niche market.
Automotive Protection, By The Numbers
Built for the Automotive Industry
From technology to insurance to compliance: we handle the hard parts so you can focus on selling vehicles.
Technology
APIs, dashboards, and white-label widgets that integrate in minutes with your dealership systems.
- RESTful APIs & webhooks
- Real-time analytics dashboard
- White-label F&I menus
- Multi-location management
Insurance
CLIP partners experienced in vehicle service contracts and F&I products.
- Automotive CLIP partnerships
- VSC & GAP program design
- Automated claims adjudication
- Carrier relationship management
Compliance
We manage licenses, renewals, and ongoing compliance monitoring for automotive warranty programs across all jurisdictions.
- State-by-state licensing
- License renewal management
- Compliance monitoring & alerts
- Automated reporting & audit trails
Experience the Full
Umbrella Platform
Click through the complete journey, from setup to customer purchase to claims resolution.
Takes about 2 minutes
Why Dealerships Choose Umbrella
Turn every vehicle into a recurring revenue opportunity while building buyer loyalty.
F&I Revenue Powerhouse
Vehicle protection is the highest-margin F&I product. Average 35–50% margin per contract across all vehicle categories.
Buyer Confidence
Buyers with VSCs show 55% higher CSI scores and are 3x more likely to return for their next vehicle.
Your Dealership Brand
Fully white-labeled from the menu to the contract. Buyers see your dealership, not ours.
Launch in Days
Go live in under a week with pre-built DMS integrations for major platforms. No IT team required.
F&I Performance Analytics
Track penetration rates by product, salesperson, and vehicle type. Optimize every deal.
Dedicated Support
An automotive F&I specialist plus 24/7 support. We understand your dealership.
Seamless Claims
AI-powered claims resolution in under 24 hours. Drivers get back on the road fast.
Common Questions About Vehicle Protection Programs
Everything you need to know about launching protection programs for automotive dealerships and brands.
You can offer Vehicle Service Contracts (powertrain, bumper-to-bumper, stated component), GAP coverage, tire & wheel protection, appearance packages, key replacement, and more. Every product is fully configurable through the Umbrella dashboard to match your dealership’s F&I strategy.
When a customer or repair facility contacts us, we authorize the repair and coordinate with the shop. Payments are made directly to the repair facility, eliminating any out-of-pocket hassle for the customer. Our average turnaround is 48 hours from filing to repair authorization for standard claims.
Yes. Umbrella’s rule engine lets you configure coverage options by vehicle type, age, mileage, and MSRP. You can create different product tiers for new, certified pre-owned, and pre-owned vehicles, each with their own pricing, terms, and coverage levels.
Most dealerships go live within 3–7 business days. We have pre-built DMS integrations for Reynolds, CDK, and Dealertrack that make setup fast. We handle all insurance licensing, compliance, and program configuration during onboarding.
Yes. Umbrella has pre-built integrations with major DMS platforms including Reynolds & Reynolds, CDK Global, and Dealertrack. Data syncs in real-time for contracts, claims status, and reporting, with no manual entry required.
Umbrella connects you with A-rated insurance carriers. All service contracts are fully insured and obligor-backed, giving your customers the security of knowing their coverage is protected by established, financially stable carriers.
Trusted Across Industries
Powering warranty and protection programs for businesses of every kind
E-Bikes
Protection plans for e-bikes & e-scooters
Automotive
Vehicle protection, simplified
Electronics
Device coverage, registration to resolution
Sports
Coverage for sports & recreation equipment
Home Appliances
Flexible plans for every appliance
E-Bikes
Protection plans for e-bikes & e-scooters
Automotive
Vehicle protection, simplified
Electronics
Device coverage, registration to resolution
Sports
Coverage for sports & recreation equipment
Home Appliances
Flexible plans for every appliance
Loved by thousands of brands
See why leading e-commerce brands trust Umbrella to power their warranty programs.
Consumer Electronics Umbrella increased our warranty attachment rate from 12% to 47% in the first quarter. The AI claims engine alone saved us 30 hours per week.
JR 
TG 
Retail & E-Commerce The compliance features are what sold us. SOC 2 ready out of the box, full audit trail, and their team understands warranty regulations inside and out.
SP 
EM 
Home & Garden We went from zero warranty revenue to $40K/month in 90 days. The Shopify integration was live in under an hour. Best ROI of any tool we've added.
MK 
HE Works with the tools you already use
Seamlessly integrate with your e-commerce platform, CRM, helpdesk, and payment processor. No custom development required.
View all integrationsReady to turn warranties into revenue?
Join 2,500+ brands using Umbrella to sell, manage, and optimize their warranty programs. Start free today.
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