ATVs, UTVs, motorcycles, side-by-sides, and snowmobiles — protect every unit that leaves your lot.
Average powersports repair runs $1,200–$4,500 once the manufacturer warranty expires. Unprotected customers face sticker shock.
Months of storage lead to battery death, fuel system issues, and rodent damage — none covered by standard warranties.
Powersports units are among the most stolen vehicle categories. Easy to move, hard to recover without GPS.
Rapid depreciation in year one creates significant negative equity exposure for financed buyers.
The American powersports market moved roughly 690,000 new units in 2025 across ATVs, UTVs, motorcycles, and snowmobiles. About half of those buyers financed at terms that outlast the factory warranty by three to five years. That gap is where dealer F&I lives.
What separates a strong powersports F&I program from a weak one is fit. A side-by-side that gets ridden across mud and rock 200 days a year is not the same protection conversation as a road bike that sits garaged eight months out of twelve. The dealer who lets the menu adjust to actual use case sells the contract. The dealer who reads a script loses the customer back to the credit union.
A powersports F&I package that actually works has four pieces in a specific order. An extended service contract that extends actual end of warranty by three years on engine, transmission, and electronics. GPS recovery on every unit over $8,000 MSRP because powersports theft recovery rates collapse without it. Tire and wheel for any unit that will see dirt, rock, or jumping. Prepaid maintenance only on the financed customer who wants payment certainty.
Add appearance protection on touring bikes and high end side-by-sides, but skip it on dirt only ATVs because the customer knows the unit is going to get scratched. Battery coverage is a soft add for the customer who lives in a region with real winters and stores the unit October to April.
Compliance training for the sales floor matters here more than in most verticals because VSC disclosure language for powersports has specific terms that buyers misunderstand more often than auto buyers. AFIP aligned menu training pays for itself within the quarter.
Composite scenarios drawn from dealer claim experience. Dollar figures are representative for the vertical.
Out of factory warranty by 60 days. Customer with an Extended Service Contract submitted the claim through the dealer service department. CVT replacement plus labor totaled $4,200. Customer paid the $100 deductible. Without the contract the unit would have sat for a month while the customer negotiated with the manufacturer.
Unit stolen from a Texas trailhead, recovered three days later in a closed garage 130 miles south. Insurance covered theft replacement value. The GPS recovery contract paid the $1,200 recovery fee that would otherwise have come out of pocket.
Single vehicle accident, year two motorcycle, balance owed $11,800, settlement check $8,600. GAP contract covered the $3,200 difference. Customer kept the relationship with the dealer instead of fighting a deficiency balance.
Powersports dealers who add a complete F&I menu see measurable increases in per-vehicle revenue. Our products are specifically designed for the powersports market — from UTVs that see hard trail use to motorcycles that sit all winter. Increase your F&I PVR with products your customers actually need.
The product mix that works for powersports dealers, with the reasoning behind each call.
Standard manufacturer powertrain warranty is 6 to 12 months. Consumer expectation is 3 to 5 years. A 5 year ESC closes that gap.
Recovery rates drop from 70 percent to 18 percent without GPS. The protection cost is under 1 percent of MSRP.
Consumable component damage is not covered by ESC. Tire and wheel fills that gap on the use case that abuses tires hardest.
Skip on cash sales. Skip on short term loans. Depreciation gap does not open on a 36 month term.
The customer expects scratches and resents being upsold on something they do not believe in.
Two protection programs from providers we already endorse, tailored to the powersports market.
Vertical-specific questions dealers and customers ask before signing.
No. ESC covers component failure, not consumables. Brake pads, chains, tires, and oil are excluded. That is why dealers pair an ESC with prepaid maintenance. The two products cover different categories of cost.
Most powersports VSC providers allow one transfer per contract for a transfer fee of $50 to $75. The transfer happens through the F&I office of the new dealer, not directly between buyers. Verify the specific provider's transfer rules before quoting.
Average recovery on GPS tracked powersports units is 18 to 72 hours, depending on where the unit ends up. The recovery network coordinates with local law enforcement. Without GPS, average recovery time stretches to weeks and most units are never recovered.
Extended service contracts, by a wide margin. About 60 percent of total claims volume. Within ESC, transmission and engine claims dominate. GPS recovery is the most claimed theft product, ahead of insurance subrogation.
Two reasons. First, buyer's remorse hits harder on a recreational purchase than a transportation purchase, so the 60 day cancellation window gets used. Second, the disclosure language is often handed over in a rush at delivery. Slowing down the menu presentation reduces cancellation by about 30 percent.
Let us build a custom F&I package designed specifically for your powersports dealership.
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