Line of work 02
Protection Products for Powersports, Automotive and RV Dealers
Service contracts and coverage across all three markets, priced so the menu sells at the desk and still holds up at the end of the term. A product that produces a good month and a bad claims experience has cost you more than it made.
A product is only as good as its last claim
Protection products are almost always judged on the day they are sold, because that is the only day anyone hands you numbers for them. Penetration went up, per unit gross went up, the month closed well. None of that tells you whether the product was any good.
You find that out eighteen months later, when a customer brings a unit back and the coverage either does what they were told it would do or it does not. If it does not, you have lost that customer, the referral behind them, and usually the review as well. The product that made the month can cost you the next two years of repeat business from a town that talks.
So the question we ask about a product is not what it pays the store. It is whether the thing your finance manager described across the desk is the thing the contract holder receives when they need it.
What We Offer
How we price protection products
Coverage across powersports, automotive and RV, matched to how each of those units is actually used rather than adapted from an automotive template.
Service contracts
Term and coverage built against the unit and the buyer, not against whatever tier structure came out of the box. What a weekend rider needs is not what a full-timer in a towable needs.
Coverage for the way the unit is used
A side by side that spends its life on a trail is a different risk from one that never leaves a property. Pricing that ignores the difference is either leaving money on the table or setting up a claim nobody expected.
Menu placement
A product that is right and badly placed still does not sell. Where it sits, what it sits beside, and what it is compared against decides as much as the product itself.
End of term behavior
What happens when the contract runs out, and whether the customer feels they got what they paid for. This is the part that decides whether they come back.
Our Process
How we work with your store
Products go on the menu because they fit the store and the buyer, not because a provider is pushing them this quarter.
- Priced against your actual mix, not a regional average
- Matched to the three markets separately, because the units and the buyers differ
- Placed on a menu we have looked at, so the product and the presentation agree
- Backed by claims support that treats the customer's experience as part of the product
- Reviewed against what your store is really selling, rather than set once and left
Common Questions
Questions dealers ask
We already have a provider. Why change?
You may not need to. Part of what the assessment does is tell you whether the products you have are the problem or whether the menu and the process around them are. Plenty of stores are selling reasonable products badly, and swapping the product would not have fixed that.
Do you handle powersports and RV differently from automotive?
Yes, and this is the thing most often got wrong. The terms are different, the ticket is different, the usage is different, and the buyer's relationship with the unit is completely different. A product line adapted from automotive and pointed at an RV buyer tends to show its seams at claim time.
Can we keep some of our existing products and add yours?
That is usually where it lands. A menu is a whole, so what matters is that the set works together and that nothing on it is competing with the thing next to it for the same slot.
How does this connect to profit participation?
Directly. If the store is earning on the products it sells rather than only on the commission at delivery, then the quality of the product and its claims performance become your problem in a useful way. That is covered under profit participation.
See what your current menu is doing
The assessment covers the products you have, what they cost, where they sit, and how they are performing at claim time. You get the findings either way.