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Vehicle Add-ons and Protection Plans

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You have several options to protect your vehicle or RV after you sign your loan papers and receive your keys. From repair assistance to debt protection, these plans can give you peace of mind and let you drive with confidence.

Debt Protection

  • In the event of death, cancels the remaining loan balance up to a maximum in the contract.
  • If you become disabled, cancels up to a maximum number of loan payments based on the contract.
  • If you are involuntarily unemployed, cancels up to a maximum number of loan payments based on the contract.

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Depreciation Protection (DPW)

  • Protects your vehicles equity and hedges against depreciation over the life of the loan.
  • In the event of a total loss, DPW provides a waiver benefit equal to the difference between your vehicle's value at the time of purchase, less your loan balance at the time of loss up to a maximum waiver benefit of $10,000, or the outstanding loan balance.

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Guaranteed Asset Protection (GAP)

  • GAP covers the difference between your outstanding loan balance and the actual cash value (ACV) of the vehicle up to the maximum 125% LTV.
  • May provide you with up to a $1,000 credit towards the financing or a replacement vehicle financed or leased with Fort Financial.
  • May also cover up to $1,000 of your deductible if there is a “gap” after the primary insurance settlement is paid. Not available in New York or Alaska.

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Mechanical Breakdown Protection (MBP)

  • Protects your vehicle against the high cost of covered repairs
  • Provides services such as rental car allowance, 24/7 roadside assistance and towing
  • Protects your vehicle after your warranty has expired

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Vehicle Protection Plan (VPP)

  • Protects you from normal driving incidents and out-of-pocket expenses that aren't typically covered by insurance policies, manufacturers' warranties or extended warranties.
  • Benefits include: key or remote replacement, tire & wheel road hazard protection, paintless dent repair and windshield repair.
  • 24-hour roadside assistance provides: towing, emergency roadside service, essential fluid delivery, flat tire emergency, flat tire assistance, emergency battery assistance and lockout services.

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