Phoenix American Warranty

providing

F&I Solutions

for AUTO & RV

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And in the event of total loss

Guaranteed Asset
Protection

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PLATINUM Care+

Franchise and Independent dealers will find that our Platinum “Exclusionary” Coverage will exceed your customers’ needs and expectations.

Levels of Coverage
“Exclusionary” Coverage for New and Used Vehicles.
Eligibility
Current +4 Model Years (New) and Current +7 (Used)
Deductible(s)
$100 Standard Deductible / Options: $0, $50 and Disappearing Deductible
Start Date of Coverage
Sale Date of Contract

PLATINUM Care + Wrap

Over 1,000+ Covered Parts

Additional Benefits
24-7 Roadside Assistance / Towing / Car Rental / Trip Interruption
Profit Participation Programs
Reinsurance/Retrospective Commission Programs
Member Company
All programs fully insured by a member of the Nationwide® Insurance group, rated A+ XV (Superior) by A. M. Best Company.

- POWERTRAIN -

Offering three levels of comprehensive coverage for high mileage long term used vehicle.

Levels of Coverage
Powertrain, Classic, and Premium
Eligibility
Current +9 Model Years- High Mileage Vehicles up to 150,000
Deductible(s)
$100 Standard Deductible / Options: $0, $50 and $200
Start Date of Coverage
Sale Date of Contract

- CLASSIC -

- PREMIUM -

Additional Benefits
24-7 Roadside Assistance / Towing / Car Rental
Profit Participation Programs
Reinsurance/Retrospective Commission Programs
Member Company
All programs fully insured by a member of the Nationwide® Insurance group, rated A+ XV (Superior) by A. M. Best Company.

- MOTORHOME -

Engine (Diesel/Turbocharger)
Transmission (Automatic or Manual)
Drive Axle (Front/Rear)

- TRAVEL TRAILER -

Enhanced Engine
Enhanced Transmission
Interior/Exterior
Enhanced Cooling
Enhanced Electrical

* - COACH -

Front Suspension
Steering
Air Conditioning
Brakes - Non-ABS Only
Brakes - ABS

* Excluding Engine, Transmission, Drive, Axle, and Air conditioning

AUTO GAP

If your Vehicle is stolen or in an accident resulting in a total loss, the difference between the Actual Cash Value (ACV) of your Vehicle and the amount of money you owe on your Finance or Lease Contract is called the “GAP.” Even with your vehicle insurance policy payout, you are responsible for paying the GAP amount to settle your loan contract or lease.

RV GAP

If your Recreational Vehicle is stolen or in an accident resulting in a total loss, the difference between the Actual Cash Value (ACV) of your Recreational Vehicle and the amount of money you owe on your Finance or Lease Contract is called the “GAP.” Even with your vehicle insurance policy payout, you are responsible for paying the GAP amount to settle your loan contract or lease. Parts

EXCEED YOUR CUSTOMERS' NEEDS AND EXPECTATIONS

Welcome to
Phoenix American

Exceed your customers’ needs and expectations with the quality, integrated technology, and unsurpassed customer service of Phoenix American’s vehicle protection products.

Since 1985, Phoenix American has been a leading brand in the Vehicle Service Contract (VSC), Guaranteed Asset Protection (GAP) and customer benefits industry.

Let our knowledge of the motor vehicle service contract industry, and our long-term partnerships with members of the Nationwide® Insurance group, protect your customers against the rising costs associated with unexpected mechanical breakdowns and the total loss of their vehicle

We offer the
best Private Label
optimized
dms integration
real-time
claims information

agents and dealers

Services and Benefits

Who we are

Established in 1985, Phoenix American is dedicated to developing, insuring and administering automobile and recreational Vehicle Service Contract (“VSC”) programs, as well as Guaranteed Asset Protection (“GAP”) Waivers, loss prevention products and other ancillary products.

From the beginning, we have maintained a clear vision of where we are going as a company and the goals we want to accomplish along the way. We combine superior customer service, corporate integrity and responsiveness to the needs of our customers along with the outstanding financial strength of the Nationwide® Group of Companies. All our VSC, GAP Waiver, loss prevention programs, and most ancillary products are 100% insured by members of the Nationwide group of companies. The result is that Phoenix American provides the finest and most financially sound VSC, GAP Waiver, loss prevention and ancillary products available in today’s market.

Why Phoenix American?

38 years of experience in the VSC and GAP Waiver Industry.
We have administered over 5.5 million VSCs and GAP Waivers since 1985.
“Private Label” Programs are available with product customization, tailored coverages, eligibility, terms, marketing materials, and support to meet our partner’s needs.
Our outstanding customer support personnel undergo extensive training programs which prepares and enables them to understand our customers’ needs and resolve issues quickly.
Optimizing sales growth through successful penetration of target businesses.
Our outstanding claims support team has been awarded the ASE “Blue Seal of Excellence” by the National Institute of Automotive Service Excellence.
For over 38 years all Phoenix American VSCs and GAP Waivers have been 100% insured by the Nationwide® Group of Companies, rated A+ XV (“Superior”) by A.M. Best Company with total assets more than $230.6 billion.
We offer on-site and virtual training support designed to meet your dealership/company needs.
Reinsurance or Retrospective Commission Profit Sharing Programs are available for our partners.
Our robust E-contracting System “PAexpress” provides our producers with the technology needed to rate, print, remit, and report VSC and GAP Waiver sales while also providing accounting functions for dealership ease of use.
Commission payments are made via ACH whenever available.

Financial Strength

Nationwide and Phoenix American have had an exclusive relationship for VSCs, GAP Waivers, and other ancillary products for over 38 years.

All Phoenix American VSC and GAP Waivers are 100% underwritten by the Nationwide® (“Nationwide”) Group of Companies. Nationwide is rated A+ XV (“Superior”), by A.M. Best Company with more than $230.6 billion.

“It’s the financial strength and stability of Nationwide and Phoenix American that enables me to recommend RV Elite+ Service Contracts and RV GAP to my dealers and customers for over 25 years.”

Bob MPhoenix American Agent

You bring the expertise. We bring the support.

When you work with Nationwide’s Programs Team, you can expect an established programs market, valuable paper, and best of all, a true partnership. Mr. R. Steven Brooks started working with Nationwide more than 30 years ago to provide an auto warranty and asset protection program (GAP). To this day, we value the high-quality support we have provided over the years.

“They have an experienced team that is supportive, helpful, and assertive,” he said. “We would never write with anyone else.”

We are always on the lookout for new and innovative programs, and we are here to support those programs with a level of integrity and respect you can’t find elsewhere.

Product Offerings

Phoenix American’s extensive knowledge of the VSC and GAP Waiver industries has made our carefully designed F&I products one of the best in the business. In addition, we have the expertise to provide you with a “Private Label” program. Our profitable F&I products and post-sale support are what you need to assist in the growth of your company.

Claims Processing

Our claims administration services are handled on-site by our ASE “Blue Seal of Excellence” certified claims staff. With our ASE certification comes a high level of expertise and dedication to the claims process. To enhance the claims process our in-house IT staff has developed a secure proprietary claims platform designed to streamline the claims process for our business partners.

Since 1985 we have paid more than $2.0 billion in claims payments to our VSC and GAP Waiver customers. Approximately 82% of all VSC claims are paid by credit card on the date the claim is reported to us by the repair facility. It is our mission to provide the highest level of service for our customers and business partners.

Profit Sharing

Phoenix American has the ability to offer, through Nationwide, robust dealer participation programs. All programs are 100% insured by Nationwide with 'NO' risk of loss to our dealer partners.

A profit-sharing program whereby a dealer could receive up to 85% of the underwriting and investment income generated by its dealer business. Nationwide retains the remaining underwriting and investment income generated by this program. (Profit sharing participation amounts are based on various program requirements.)

Under this type of profit-sharing program. a reinsurance company would be established to reinsure its member business ceded by Nationwide. Nationwide charges a small ceding fee, and premium tax, retains all liability in excess of one hundred percent (100%) of the loss reserve(s) and returns one hundred percent (100%) of the underwriting and investment income (after fees and taxes) to the producer owned reinsurance company. This program is designed primarily for larger producers.

Customer Service

Customer Service is the most important component of what we do. Our goal is to achieve the highest level of service to our business partners and customers. We believe our employees make us who we are, therefore, we invest in the training and the tools necessary to make them successful.

All of our calls are recorded for quality assurance purposes and evaluated in order to provide feedback to our customer service specialists. As a result we maintain a 99.00% service factor for handling calls. We are committed to working with our dealers and producers to provide the level of service you expect.

Compliance

Compliance with individual state and federal laws and regulations, such as those rules promulgated by the Consumer Financial Protection Bureau (“CFPB”) has become an ever-increasing part of our business.

Phoenix American has implemented strong internal controls to monitor state and federal regulatory requirements to ensure compliance. Our staff prepares all form and rate filings, financial reports, and compliance materials necessary for all VSCs, GAP Waivers, and other ancillary products that our business partners offer.

Our company is a founding member of both the Service Contract Industry Council (“SCIC”) and Guaranteed Asset Protection Association (“GAPA”), national trade association(s) who are dedicated to tracking state and federal legislative and regulatory developments relating to the VSC and GAP Waiver industry.

Our membership in these associations serves as a redundant process to ensure that our internal company compliance team identifies any new regulatory developments. Any new information pertaining to “Best Practices” is sent systematically to all of our agents and field staff for distribution to their respective business partners.

PAExpress - Online Portal

PAexpress provides our partners with a full featured and real-time e-contracting solution designed to enhance their business processes. Our proprietary system provides our partners with real time access to their VSC and GAP Waiver business 24/7 365. PAexpress runs on cross-platforms and multiple devices. The ease of use along with its robust features provides our partners with a secure and reliable portal to access the tools needed to stay connected with their business.

Electronic VSC and GAP Waiver Management System.
VSC and GAP Waiver Pricing.
Detailed Contract and Claims Reporting.
Real-Time Access to VSC/GAP Waiver and Claims information 24/7.
Real-time Dashboards that provide visual reporting of business performance in real-time.
DMS Integration Ready.
Secured Access Levels by User.
Electronic Underwriting and Contract Issuance.
Cross-Platforms Application (Works on Mac OS, Android, Windows or iOS).
Works on Multiple Devices (iPad, iPhone, tablets, and desktops).

Contact Us For More Information

Over 35 years of partnership with a member company of the Nationwide® Insurance group (“Nationwide”) to insure all our products and programs.

Call Us

+1 800-552-6131

Active Years+
Happy Customers+
Dealers+
Claim Amount Paid ($)+

find the right coverage

Product Offering

Platinum Care+

Platinum Care+
- Named Component
- 24/7/365 Emergency Roadside Assistance
- Expense Reimbursement
1,000+ Covered Parts
NEWPlatinum Care+ Wrap

Platinum Care+ Wrap
- Named Component
- 24/7/365 Emergency Roadside Assistance
- Expense Reimbursement
1,000+ Covered Parts
POWERTRAIN

Powertrain
- Named Component
- 24/7/365 Emergency Roadside Assistance
- Expense Reimbursement
1,000+ Covered Parts
CLASSIC

Classic
- Named Component
- 24/7/365 Emergency Roadside Assistance
- Expense Reimbursement
1,000+ Covered Parts
PREMIUM

PREMIUM
- Named Component
- 24/7/365 Emergency Roadside Assistance
- Expense Reimbursement
1,000+ Covered Parts
MOTORHOME

MOTORHOME COMPREHENSIVE COVERAGE
- Named Component
- 24/7/365 Emergency Roadside Assistance
- Expense Reimbursement
TRAVEL TRAILER

TRAVEL TRAILER
- Named Component
- 24/7/365 Emergency Roadside Assistance
- Expense Reimbursement
COACH

MOTORHOME COACH
- Named Component
- 24/7/365 Emergency Roadside Assistance
- Expense Reimbursement
AUTO GAP

AUTO GAP Program Information
- Named Component
- 24/7/365 Emergency Roadside Assistance
- Expense Reimbursement
up to $50,000
RV GAP

RV GAP Program Information
- Named Component
- 24/7/365 Emergency Roadside Assistance
- Expense Reimbursement
up to $50,000

claims process

How Phoenix American Works

01
Step One

Bring your car to a Licensed Repair Facility.
02
Step Two

Repair Facility gets the Authorization to work on your car
03
Step Three

Repair Facility gets paid for the approved work done
04
Step Four

Drive away happy

Vehicle Service Contracts
Automobiles and RVs

Start offering coverages that include 1,000+ parts

Are you looking for
F&I Products?

Include our Guaranteed Asset Protection Products

EXCEED YOUR CUSTOMERS' NEEDS AND EXPECTATIONS

With unsurpassed customer service, claims payment, cutting-edge technology, and a supportive sales force, Phoenix American will continue to exceed your expectations today and in the future.

Welcome to
Phoenix American