F&I Products

Prerequisites

Before diving into the integration process, ensure you have the following:

Sign up for a Drivly account
Create a DRIVLY_API_KEY
Have a basic understanding of REST APIs
A secure environment for handling sensitive data

Always perform F&I Prodcut operations server-side to secure API keys.

Overview

The F&I API offers endpoints to retrieve vehicle-specific service contract details and update or customize packages according to customer needs. By integrating this API into your platform, you can provide customers with a seamless experience to purchase F&I products directly. Let’s follow the exmaple scenario below:

Alex works for a large automotive sales platform, AutoHub. AutoHub wants to integrate the Vehicle Service Contract (VSC) API into their online services, allowing customers purchase various F&I products without the need for an F&I manager.

To complete this scenario, you will need to:

Verify the API endpoint
Implement the feature
Allow customers to place an order
Handle errors gracefully
Add additional features

Walkthrough

Verify API endpoint

Verify the API’s ability to retrieve all VSC options for a specific VIN.

{
  "endpoint": "/packages/1C4HJXEN5MW592818",
  "method": "GET",
  "headers": {
    "Authorization": "Bearer {DRIVLY_API_KEY}"
  }
}

Alex uses this endpoint to fetch all package options for the VIN 1C4HJXEN5MW592818 and successfully retrieves the data.

Implementation

With the data structure understood, Alex begins implementing the feature on AutoHub’s website. The example response from the API provides a comprehensive view of the VSC 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
      }
    }
  }
}

Placing an Order

After customers choose their desired VSC package, Alex needs to allow them to complete their purchase through the API. This process involves sending the selected package details along with customer and payment information to the VSC provider’s system.

Order Request

{
  "endpoint": "/order",
  "method": "POST",
  "headers": {
    "Authorization": "Bearer {API_KEY}",
    "Content-Type": "application/json"
  },
  "body": {
    "vin": "1C4HJXEN5MW592818",
    "customerDetails": {
      "firstName": "Jane",
      "lastName": "Doe",
      "email": "jane.doe@email.com",
      "phone": "555-1234"
    },
    "packageType": "Best",
    "packageCost": 750,
    "paymentInfo": {
      "creditCardNumber": "1234567890123456",
      "expirationDate": "12/24",
      "cvv": "123"
    }
  }
}

Error Handling

Alex implements error handling to manage situations where the VIN might not be found or the API key is missing. They simulate an error response:

{
  "status": 404,
  "error": {
    "message": "The requested VIN '1C4HJXEN5MW592818' was not found in our database.",
    "code": "VIN_NOT_FOUND",
    "suggestion": "Please verify the VIN and try again."
  }
}

Adding Additional Features

Alex wants to ensure that customers can update their VSC packages if they want additional coverage after initial viewing. They add functionality for updating package details:

{
  "endpoint": "/packages/1C4HJXEN5MW592818/Best",
  "method": "PUT",
  "headers": {
    "Authorization": "Bearer {API_KEY}",
    "Content-Type": "application/json"
  },
  "body": {
    "newPrice": 800,
    "newTerms": {
      "termMonths": 72,
      "coverageDetails": ["Extended Engine Coverage", "Full Electrical", "GPS Navigation"]
    }
  }
}

FAQs

Required Fields

Fields	Options	Required
VIN	`1C4HJXEN5MW592818`	True
Make	`Jeep`	True
Model	`Wrangler Unlimited`	True
Year	`2021`	True
Term (Months)	`12`, `24`, `36`, `48`, `60`, `72`, `84`	True
Deductible (USD)	`$0`, `$50`, `$100`	True
Planned length of ownership (Years)	`2`, `3`, `4`, `5`, `6`, `+7`	True
Estimated miles driven per year (Miles)	`5,000`, `10,000`, `15,000`, `20,000`, `+25,000`	True

What is a vehicle service contract?

A vehicle service contract is an optional agreement between you and the service contract provider, meant to cover the expenses of specific maintenance tasks and repairs for your vehicle. It typically goes beyond the manufacturer’s warranty and provides additional protection, giving you peace of mind even after your warranty has expired.

How is a vehicle service contract different from a warranty?

A warranty is a guarantee provided by the manufacturer and is usually included in the initial purchase price of the vehicle. It covers repairs and defects for a specific period. A vehicle service contract, on the other hand, can be purchased separately and kicks in when your warranty expires. Unlike a warranty, it typically offers customizable coverage levels.

What does a vehicle service contract typically cover?

The coverage of a vehicle service contract varies depending on the level of protection you choose. Commonly covered components include engine, transmission, electrical systems, and air conditioning. However, some contracts offer more comprehensive coverage that may include luxury features and advanced technology. It is essential to read the contract thoroughly to understand what is included and excluded.

How much do F&I products cost, and is it worth it?

The cost of a VSC depends on factors such as the make and model of your car, its age and mileage, and the type of coverage you choose. The contract may be worth it if it protects you from expensive repairs after your warranty has expired. It is crucial to weigh the contract cost against the potential repair expenses and your peace of mind when deciding whether it’s a good investment.

Can I cancel my vehicle service contract or transfer it to another owner?

Cancellation and transfer policies differ among service contract providers. Many contracts allow cancellations, often with a pro-rated refund, subject to specific terms and conditions. Additionally, most contracts are transferable to a new owner when you sell your vehicle, which could make your car more attractive to buyers. Check your specific contract for the applicable terms and restrictions.

How much do F&I products cost, and is it worth it?

Is my vehicle eligible for a service contract?

Eligibility criteria for service contracts vary among providers. Generally, factors such as make, model, age, and mileage of your vehicle play a role.

What is the claim process for a vehicle service contract?

It’s essential to understand this process, including where you can take your vehicle for repairs, whether pre-authorization is necessary, and the requirements for submitting a claim. Keep your service records well-maintained, as these might be necessary for claim validation.

Are there deductibles or out-of-pocket expenses in a vehicle service contract?

Depending on the provider, a vehicle service contract may require you to pay a deductible for each repair or service visit. Deductible amounts and out-of-pocket expenses can vary, so it’s crucial to understand these costs before purchasing a contract.

Is a vehicle service contract available for electric vehicles (EVs) and hybrid vehicles?

Most service contract providers offer plans tailored for electric and hybrid vehicles. These contracts often cover electric drivetrain components, charging systems, batteries, and other unique features.

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Prerequisites

Overview

Walkthrough

FAQs

​Prerequisites

​Overview

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​FAQs

Prerequisites

Overview

Walkthrough

FAQs