Lifetime powertrain service contracts for ATVs, UTVs, motorcycles, and personal watercraft. One independent provider, every product your finance office needs, claims paid fast.
Most powersports OEM programs cap out at 60 to 72 months. WeCoverUSA offers true lifetime powertrain protection, which is a closing tool your sales team can use the moment a customer pushes back on price.
We are not owned by Honda, Yamaha, Polaris, or any OEM. Your finance manager can present one consistent F&I menu across every brand on your floor, from Can Am to Harley Davidson to Sea Doo, with the same product specs, the same claims process, and the same dealer payout structure.
Dealer onboarding takes days, not months. eContracting, eRating, and product menu integration with the systems your finance office already runs. No 90 day implementation.
Every product on the menu, available individually or as a complete F&I suite.
Covers internal engine and drivetrain components for the life of the vehicle, transferable to subsequent owners.
Comprehensive mechanical and electrical coverage with terms from 24 to 84 months. Available for new and pre owned units.
Covers the gap between insurance settlement and loan balance in the event of total loss or unrecovered theft.
Replacement coverage for road hazard damage. No proration. Up to 72 month terms.
Cash benefit if the unit is totaled or stolen and not recovered.
Replacement battery coverage for the life of the contract.
24 hour towing, lockout, fuel delivery, and tire change for on road units.
Scheduled service plans that lock in labor rates and bring customers back to your service drive.
Apply for the dealer program. Quick application, no setup fees, no monthly minimums.
Onboard your finance team. Product training, menu integration, and compliance review in your first week.
Sell and submit contracts through our digital eContracting platform or your existing DMS integration.
Get paid. Dealer reserve and reinsurance options available for qualifying volume.
Honda, Yamaha, Kawasaki, Suzuki, Polaris, Can Am, BRP, Sea Doo, Ski Doo, Arctic Cat, KTM, Harley Davidson, Indian, Triumph, BMW Motorrad, Ducati, and more. ATVs, UTVs, side by sides, on road motorcycles, off road motorcycles, mopeds, scooters, personal watercraft, and snowmobiles.
60+ years combined industry experience. 39+ active dealer partners across the United States. SDVOSB certified. Independent administrator with direct underwriter relationships.
WeCoverUSA is fully independent. We are not owned by any OEM, so our products work across every brand on your dealer floor.
The lifetime powertrain contract covers the internal lubricated components of the engine and drivetrain for the life of the vehicle, transferable to subsequent owners. Specific coverage details are in the contract.
Most claims are authorized within 24 hours of submission. Payment goes directly to the authorized service center, so your customer never pays out of pocket for covered repairs.
Yes. Qualifying dealers can participate in dealer reserve programs and reinsurance structures designed to build long term capital from F&I production.
Most dealers are onboarded within 7 to 10 business days. The process includes product training for your finance team, menu integration, and compliance review.
If you sell ATVs, UTVs, motorcycles, or watercraft, we can have your finance office quoting and contracting our products inside of two weeks. No setup fees, no monthly minimums, no OEM lock in.