F&I Products

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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.

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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”.

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.

{
  "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
      }
    }
  }
}

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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.

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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.

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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.