HIGH-MILEAGE EXCLUSIONARY VSC

Coverage designed around the vehicle—and the way the customer drives.

Higher-mileage vehicles are sold every day by franchise dealerships, often to customers financing them for five or six years. Those customers deserve meaningful protection that fits both the vehicle and their ownership expectations.

BROAD ELIGIBILITY

Eligible vehicles may qualify at starting odometers as high as 216,000 miles and up to 20 model years old, subject to current underwriting guidelines.

FLEXIBLE ADDITIVE TERMS

A broad selection of time-and-mileage combinations allows the F&I manager to match coverage to individual driving habits instead of forcing every customer into the same structure.

Example: eligible 2023 vehicle with approximately 100,000 miles

Lower-mileage driver — 7 years / 48,000 additional miles
Longer time protection for a customer who drives fewer annual miles and expects to keep the vehicle.

Higher-mileage driver — 5 years / 108,000 additional miles
More available mileage for a customer whose driving pattern would exhaust a conventional term too quickly.

EXCLUSIONARY COVERAGE

Eligible vehicles can receive exclusionary coverage rather than a stripped-down alternative, subject to the applicable agreement, vehicle qualifications and underwriting guidelines.

COMPLEMENTARY BY DESIGN

The objective is not to replace a dealership’s primary VSC provider. It is to capture eligible opportunities the primary program may not serve competitively—and to separate higher-mileage risk when that supports the dealership’s broader participation strategy.

TEST THE OPPORTUNITY

Send three to five VINs from actual franchise-store inventory. We will return available eligibility, terms and dealer cost for a direct comparison.

REQUEST AN INVENTORY COMPARISON

Program availability, coverage, terms and vehicle eligibility are subject to the current agreement and underwriting guidelines.