Old Republic Insured Automotive Services specializes in vehicle service contracts, mechanical breakdown insurance, and guaranteed asset protection (GAP) programs for new and used automobiles.

We have and continue to enjoy partnerships that have spanned decades with some of the nation’s largest automotive, financial, and service companies, and provide insured automotive products for more than 5,000 automobile dealers across America.

Specialized Programs and Services

Vehicle Service Contracts

• Total Vehicle Protection offers expanded coverage for your new or pre-owned vehicle
• MVP provides coverage for your pre-owned vehicle
• Ultimate Plus allows financial institutions to provide quality products to their customers

Guaranteed Asset Protection (GAP)

In the event of a total loss or unrecovered theft, this helps cover some or all of the financial gap between the actual cash value of your new or pre-owned vehicle and the payoff amount of the loan or lease.

• Terms up to 84 months and up to 150% of MSRP
• Available for light commercial use vehicles
• Protection for vehicles valued up to $100,000
• Covers losses up to $50,000
• Coverage of the vehicle’s primary insurance deductible up to $1,000

Ancillary Products

Through our partners, we insure many of the most common damage issues for your automobile, namely, paintless dent repair, tire and wheel, theft, windshield, and lease wear and tear protection.

Our Service

Our state-of-the-art F&I technology and management systems provide fingertip access to account information and significantly reduce the potential for errors. Most claims are paid within 72 hours after we receive the proper documents, including GAP claims.

Insurance contracts are underwritten and issued by Old Republic Insurance Company, rated A+ (Superior) by AM Best, A2 Stable by Moody’s, and A+ Stable by Standard and Poor’s. Rating determinations made by rating agencies are subject to change from time to time. While the Company attempts to show accurate information, it cannot assure the timeliness of ratings referred to herein and assumes no obligation to monitor the ratings actions of any rating agency. AM Best ratings as of April 21, 2021; Standard & Poor's as of November 17, 2020; Moody's as of October 13, 2020. A+ (Superior) and A (Excellent) ratings from AM Best represent the 2nd and 3rd highest ratings, respectively, among 13 rating categories. An A2 rating from Moody's (Highest Quality) represents the 6th highest rating among 21 rating categories and an A+ (Strong) from Standard & Poor's represents the 5th highest rating among 20 rating categories.