Four programs. The right one depends on the store you run.

Most vehicle service contracts quietly stop working exactly where a used-car dealer needs them most: on the older, higher-mileage inventory that fills a pre-owned lot. WiseMVP — the anchor of the Wise family — was built for those vehicles.

Wise's broader family covers the rest of the back end: WiseTVP for newer units, GAPWise, WiseCARE appearance protection, plus tire and wheel, theft, key replacement, and diminished value coverage.

• Coverage to 200,000 miles / 20 model years. Exclusionary architecture on the pre-owned units your primary program declines outright.
• Full NADA book value at time of claim. When a claim approaches vehicle value, the payout is based on current book — not a depreciated figure invented after the fact.
• No component limits of liability. Covered repairs are authorized to completion. No per-part ceiling that leaves the balance sitting with your customer.
• Factory OEM parts authorized by contract. Your parts department bills at retail. No adjuster pushing aftermarket substitutions on your repair order.
• Day One coverage. No waiting period. Three plan tiers.

What that's worth in your store.

Standard programs reimburse labor at $120–$150 per hour regardless of what your shop actually posts. If your rate is $250–$300, fixed ops absorbs that gap on every flagged hour — silently. Wise honors your posted rate on approved claims.

Some stores don't want a product — they want a department. Headstart Warranty Group is a third-party administrator with a complete F&I menu, which makes it the natural spine of an independent dealer's back end and a clean way for a franchise store to fill gaps its primary doesn't reach.

• Vehicle service contracts across coverage levels, for the range of inventory a used lot actually carries.
• GAP coverage, so a total loss doesn't turn into a negative-equity conversation in your F&I office.
• Ancillary products to round out the menu and give your manager more than one way to structure a deal.
• Marine, RV, and moto coverage expanding — useful if your inventory is drifting that direction.

A side-by-side is not a sedan. A fifth wheel is not a crossover. A wake boat is neither. Dealers who retail these units know the frustration of trying to cover them with a program designed for something with four doors and a commute.

Connex handles specialty inventory on its own terms — and through CAS, that is exactly and only what it's for.

• Powersports. The units that get ridden hard and covered poorly.
• Recreational vehicles. Coverage that accounts for what an RV actually is: a vehicle attached to a house.
• Marine. Watercraft coverage, from a shelf that isn't an afterthought.

Every service contract your store sells produces underwriting profit. In a conventional arrangement, somebody else keeps it and hands you a commission.

A dealer-owned warranty company changes who that somebody is. You form your own entity. It becomes the provider on the contracts your store sells. The underwriting profit and the investment income stay on your side of the ledger — while DOWC handles administration, claims adjudication, compliance, and reporting, so you are not in the business of running an insurance company on top of running a dealership.

• You own the entity. Full visibility into reserves, investments, and performance.
• They run the operation. Administration, claims, compliance, and reporting handled by DOWC.
• Your brand, your products. Control over program branding and which F&I products your stores offer.
• A long-term asset. Unlike a commission, a warranty company is a legal entity with its own balance sheet.