F&I Products

Overview

Drivly’s Commerce API provides access to a variety of Finance & Insurance (F&I) products that can be offered to customers when purchasing a vehicle. These products are designed to provide additional coverage and protection for vehicles, help customers avoid unexpected expenses and maintain their vehicles in top condition. By integrating the Commerce API into your platform, you can offer a seamless and convenient experience for customers to purchase F&I products along with their vehicles.

F&I Product Types

Vehicle Service Contracts: Extended warranties that cover the cost of repairs and maintenance for a specified period after the manufacturer’s warranty expires.
GAP Insurance: Coverage that pays the difference between the actual cash value of a vehicle and the amount owed on a loan or lease in the event of a total loss.
Protection Plans: Plans that provide coverage for specific components of a vehicle, such as tires, wheels, and paint protection.

Vehicle Service Contracts

Vehicle Service Contracts are designed to meet the needs of different customers, with the “Good” package offering basic coverage and the “Best” package providing the most comprehensive coverage. The table below shows the products offered in three package types: “Good”, “Better”, and “Best”.

Example VSC Packages

	Good	Better	Best
Price /month	`$19`	`$32`	`$42`
VSC Total
Full Bumper to Bumper Coverage	✅	✅	✅
Up to 3 Oil changes per year	✅	✅	✅
Engine Diagnostic Exam	✅	✅	✅
Alignment Check	✅	✅	✅
State Safety Inspection	✅	✅	✅
Tire Rotations	✅	✅	✅
Brake pads & Shoes (1 Time)	❌	✅	✅
Battery Replacement (1 Time)	❌	✅	✅
Cooling System Maintenance (1 Time)	❌	✅	✅
Wiper Blade Replacement (1 Time)	❌	✅	✅
Manufacturer Recommended Service	❌	✅	✅
Visits Coverage	❌	✅	✅
Gap
Gap	❌	✅	✅
Up to $1000 deductible reimbursement	❌	✅	✅
Up to $50,000 max Benefit	❌	✅	✅
Up to 150% Loan to Value	❌	✅	✅
Bundle
Tire Repair or Replacement	❌	❌	✅
Rental Reimbursement	❌	❌	✅
Wheel Cosmetic Repairs caused by Road hazard or Curb damage	❌	❌	✅
Wheel Replacement if cannot be repaired	❌	❌	✅
Paintless Dent Repair	❌	❌	✅
Hail Damage Deductible coverage up to $1000	❌	❌	✅
Windshield Repair	❌	❌	✅
Roadside Assistance	❌	❌	✅
Key and Remote Replacement if lost or damaged	❌	❌	✅
Personal Key Replacement	❌	❌	✅
Vehicle and Home Lockout assistance	❌	❌	✅
ExoGloss
Interior Protection - Rips, Stains, Punctures	❌	❌	✅
Exterior Protection - Fading, paint etching from acid rain, bird droppings	❌	❌	✅

Below is an example response that is returned when querying the F&I API for all package options associated with the VIN 1C4HJXEN5MW592818. This response includes the services and terms offered for “Good,” “Better,” and “Best” packages.

Package Options

{
  "status": 200,
  "data": {
    "vin": "1C4HJXEN5MW592818",
    "make": "Jeep",
    "model": "Wrangler Unlimited",
    "year": 2021,
    "packages": {
      "Good": {
        "price": 350,
        "coverageDetails": [
            "Engine",
            "Transmission",
            "Drive Axle",
            ...
        ],
        "termMonths": 36,
        "deductible": 100
      },
      "Better": {
        "price": 550,
        "coverageDetails": [
          "Engine",
          "Transmission",
          "Drive Axle",
          "Electrical",
          "Air Conditioning",
          ...
        ],
        "termMonths": 48,
        "deductible": 50
      },
      "Best": {
        "price": 750,
        "coverageDetails": [
          "Engine",
          "Transmission",
          "Drive Axle",
          "Electrical",
          "Air Conditioning",
          "Suspension",
          "Brakes",
          "High-Tech Components",
          ...
        ],
        "termMonths": 60,
        "deductible": 0
      }
    }
  }
}

Quote a Vehicle Service Contract

To get a quote for a Vehicle Service Contract, send a POST request with the VIN and the package option.

{
  "type": "Vehicle Service Contract",
  "vin": "WP0AF2A99KS165242",
  "package": "Better"
}

The response will include the price of the contract and the coverage details.

{
  "id": "quote_vsc_9p3BcG",
  "status": "pending",
  "estimatedTime": "2024-01-02T15:30:00Z",
  "checkoutLink": "https://checkout.driv.ly/quote_vsc_9p3BcG",
  "paid": false,
  "total": 1000,
  "items": [
    {
      "type": "Vehicle Service Contract",
      "package": "Better",
      "price": 1000,
      "name": "Vehicle Service Contract - Better",
      "description": "Extended warranty with comprehensive coverage",
      "quantity": 1
    }
  ]
}

GAP Insurance

GAP Insurance provides coverage that pays the difference between the actual cash value of a vehicle and the amount owed on a loan or lease in the event of a total loss.

Quote GAP Insurance

To get a quote for GAP Insurance, send a POST request with the VIN.

{
  "type": "GAP Insurance",
  "vin": "WP0AF2A99KS165242"
}

The response will include the price of the insurance and the coverage details.

{
  "id": "quote_gap_7z0NaJ",
  "status": "pending",
  "estimatedTime": "2024-01-05T10:00:00Z",
  "checkoutLink": "https://checkout.driv.ly/quote_gap_7z0NaJ",
  "paid": false,
  "total": 500,
  "items": [
    {
      "type": "GAP Insurance",
      "price": 500,
      "name": "GAP Insurance",
      "description": "Covers the difference between actual cash value and loan/lease balance",
      "quantity": 1
    }
  ]
}

Protection Plans

Protection plans offer additional coverage that can be added to a vehicle service contract or purchased separately. These plans typically cover specific components of a vehicle, such as tires, wheels, and paint protection.

Plan Name	Description
Tire & Wheel Protection	Coverage for tire and wheel repair or replacement
Paint Protection	Protection against environmental damage to the vehicle’s paint
Key Protection	Coverage for lost or damaged keys and remotes
Dent & Ding Protection	Coverage for paintless dent repair
Windshield Protection	Coverage for windshield repair
Roadside Assistance	Coverage for roadside assistance services
Hail Damage Protection	Coverage for hail damage repair
Lockout Assistance	Coverage for vehicle and home lockout assistance

Protection plans can be purchased individually or bundled together for additional savings.

Quote a Protection Plan

To get a quote for a protection plan, send a POST request with the VIN, and the items to be covered.

{
  "type": "Protection Plan",
  "vin": "WP0AF2A99KS165242",
  "items": ["Tire & Wheel Protection", "Paint Protection"]
}

The response will include the price of the plan and the coverage details.

{
  "id": "quote_pp_5k8YdH",
  "status": "pending",
  "estimatedTime": "2024-01-03T14:00:00Z",
  "checkoutLink": "https://checkout.driv.ly/quote_pp_5k8YdH",
  "paid": false,
  "total": 600,
  "items": [
    {
      "type": "Protection Plan",
      "price": 600,
      "name": "Protection Plan - Tire & Wheel Protection and Paint Protection",
      "description": "Coverage for tire and wheel repair and environmental damage to paint",
      "quantity": 1
    }
  ]
}

Upon payment, the status will change to “paid” and the coverage will be activated.

Services

Guides

API Reference

Overview

Vehicle Service Contracts

Quote a Vehicle Service Contract

GAP Insurance

Quote GAP Insurance

Protection Plans

Quote a Protection Plan

​Overview

​Vehicle Service Contracts

​Quote a Vehicle Service Contract

​GAP Insurance

​Quote GAP Insurance

​Protection Plans

​Quote a Protection Plan

Overview

Vehicle Service Contracts

Quote a Vehicle Service Contract

GAP Insurance

Quote GAP Insurance

Protection Plans

Quote a Protection Plan