Fidelity Warranty Services

What Fidelity Warranty Services does

Fidelity Warranty Services (FWS), founded in 1979 and headquartered in Deerfield Beach, Florida, is a privately held vehicle protection plan administrator operating as a subsidiary of Jim Moran & Associates, Inc. The company sells vehicle service contracts and ancillary protection products — including mechanical breakdown coverage (Powertrain, Gold, Platinum tiers up to 150,000 miles), High Mileage Service Contracts, Term Care Select, Road Hazard Tire & Wheel, Prepaid Maintenance, Total Loss Protection (GAP), Excess Wear and Tear, Theft Deterrent, and Appearance Protection — with an EV-focused sub-brand called EV+ Protect. All contracts are fully backed by Courtesy Insurance Company, rated A (Excellent) by A.M. Best, and serviced through a network of 6,000+ authorized repair facilities across the U.S. and Canada.

FWS distributes exclusively through a channel of 3,000+ participating auto dealerships in the United States, where products are sold at the point of vehicle purchase or lease and can be bundled into the consumer's monthly financing payment. The company has built its book over 45+ years to a reported 70+ million cumulative contract holders, processing 2.2+ million claims and paying $930+ million in claims in 2024. Dedicated branded programs operate for Kia and Volvo, and several product modules (appearance protection, excess wear & tear, key replacement, dent repair) are administered in partnership with third parties such as Xzilon, American Risk Services, Agero, and DentWizard.

The revenue model is a subscription-recurring stream built on vehicle service contract premiums, with consumer-paid contract fees (upfront or financed) as the primary monetization mechanic. Customer service operations are supported by 400+ representatives, and claims are paid directly to repair facilities, eliminating consumer reimbursement friction. No external institutional investors are disclosed, and the company has no reported funding rounds; it operates as an ongoing private subsidiary within the Jim Moran & Associates diversified automotive portfolio.

Name

Fidelity Warranty Services

Legal name

Fidelity Warranty Services, Inc.

Website

https://fidelitywarrantyservices.com

Company type

Private

Founded year

1979

Operating status

Operating

Headcount range

51–100 employees

Short description

Fidelity Warranty Services is a Deerfield Beach, Florida-based vehicle protection plan administrator that sells service contracts, GAP, tire/wheel, and EV coverage through 3,000+ U.S. auto dealerships, backed by A-rated Courtesy Insurance and serving individual vehicle owners and lessees.

Ownership category

akta.pro rank

Product category

Vehicle Protection / Extended Auto Warranty Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers and Related Activities (524)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Dealer-Sold & F&I Administered Service Contracts (Dealer Obligors) (FSAJALAD)

akta.pro secondary industries

Auto Ancillary Warranties (Tire & Wheel, Paintless Dent, Key/Remote, Windshield) (FSAJALAB), GAP & Vehicle Protection Products (GAP Waiver/Insurance, Lease/Loan Protection) (FSAJALAC), Warranty & Service Contract / Mechanical Breakdown Insurance (FSAJAMAM)

Keywords

• Vehicle service contracts
• Vehicle protection plans
• Extended auto warranties
• GAP insurance
• Dealer F&I products

Headquarters

HQ city

Deerfield Beach

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Vehicle Service Contracts: FWS generates revenue through the sale of vehicle protection plans and service contracts to vehicle owners and lessees. These contracts provide coverage for mechanical breakdowns, tire and wheel protection, GAP insurance, excess wear and tear, and appearance protection. Revenue is derived from contract premiums paid by consumers, either as upfront payments or integrated into vehicle financing.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Fidelity Warranty Services (FWS) sells vehicle protection plans and service contracts to individual vehicle owners and lessees through a nationwide network of more than 3,000 auto dealerships. Core products include Vehicle Service Contracts (mechanical breakdown coverage), GAP/Total Loss Protection, Excess Wear and Tear coverage for lessees, Road Hazard Tire & Wheel protection, Prepaid Maintenance, Theft Deterrent Systems, and Appearance Protection. All contracts are fully insured and backed by Courtesy Insurance Company, rated A (Excellent) by A.M. Best, with claims paid directly to a network of 6,000+ authorized repair facilities.

Product overview

Fidelity Warranty Services offers a comprehensive portfolio of vehicle protection plans and services. The core offerings include Vehicle Service Contracts (available in Powertrain, Gold, and Platinum levels), Term Care Select, and High Mileage Service Contracts. These are supplemented by add-on protection modules including Road Hazard Tire & Wheel, Road Hazard Tire & Wheel Bundle, Prepaid Maintenance, Total Loss Protection (GAP), Excess Wear and Tear, Theft Deterrent System, and Appearance Protection. The company also maintains a specialized EV sub-brand called EV+ Protect that includes EV-specific Vehicle Service Contracts, Limited Warranty Coverage, and Prepaid Maintenance designed exclusively for electric vehicles. All products are backed by a network of over 6,000 service centers across the U.S. and Canada.

Differentiator

Problem solved

Functional benefit

Brands

• EV+ Protect: Electric vehicle protection product line covering battery, charging system, electric drive motor, and related components for EVs.
• EV+ Protect Limited Warranty

Products and services

• Vehicle Service Contract Mechanical breakdown coverage that begins after the factory warranty expires, available in Powertrain, Gold, and Platinum coverage levels with mileage options up to 150,000 miles. Sold through participating dealerships to vehicle owners and lessees.
• Term Care Select Mechanical breakdown and wear coverage plan with $0 deductible options including Platinum Plus and Platinum Plus Rotors, covering components not included in manufacturer warranties for both owned and leased vehicles.
• High Mileage Service Contract Coverage plan designed for older, higher-mileage vehicles, providing protection for mechanical breakdowns with up to 48,000 miles of coverage based on the vehicle's age and current mileage.
• Road Hazard Tire & Wheel Protection plan covering repair or replacement costs for tires and wheels damaged by road hazards, with Premium coverage including cosmetic repair options.
• Road Hazard Tire & Wheel Bundle Comprehensive bundle combining tire, wheel, windshield, exterior, and interior surface protection into a single plan with multiple coverage levels.
• Prepaid Maintenance Prepaid maintenance plan covering routine services such as oil changes, tire rotations, and inspections, with terms from 2 to 7 years and mileage options up to 105,000 miles.
• Total Loss Protection (GAP) Guaranteed Asset Protection (GAP) that may waive the difference between insurance payout and the amount owed if a vehicle is stolen or totaled, potentially covering up to $1,000 of auto insurance deductible.
• Excess Wear and Tear Protection plan for leased vehicles that may waive up to $7,500 in wear and tear charges at lease-end for damages such as dents, scratches, worn tires, and interior wear.
• Theft Deterrent System Vehicle identification technology including the Secure Etch System and DataDot System with permanent ID etching, national database registration, and theft recovery benefits up to $5,000.
• Appearance Protection Ceramic-based protection plan shielding vehicle exterior and interior surfaces from UV rays, acid rain, bird droppings, hard water etching, and interior spills and stains.
• EV+ Protect Electric vehicle protection sub-brand offering a Vehicle Service Contract with EV battery and charging system coverage, plus Prepaid Maintenance designed exclusively for EVs.
• EV+ Protect Limited Warranty 1-year/12,000-mile limited warranty protection for used EVs covering vehicle battery and battery systems, with roadside assistance and alternate transportation benefits.

Quantifiable outcome

• 2.2+ Million claims paid in 2024
• +4 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• Jim Moran & Associates, Inc.coreStrategic or Co-development PartnerParent company and administrator of Fidelity Warranty Services. Located at P.O. Box 8566, Deerfield Beach, FL 33443. Manages multiple FWS products including Total Loss Protection/GAP plans. FWS is part of the Jim Moran & Associates family of companies.
• Xzilon, Inc.minorImplementation/ SI/ Consulting PartnerAdministers the Appearance Protection product. Located at 10 Pointe Drive #150, Brea, CA 92821. Also handles Xzilon Claims at https://claims.xzilon.com.
• American Risk Services, LLCminorImplementation/ SI/ Consulting PartnerAdministers the Excess Wear and Tear Protection product. Located at 1130 Congress Avenue, Suite A, Cincinnati, OH 45246. Handles related claims at http://www.americanriskservices.com/claims.aspx.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Assurant: Assurant's Global Lifestyle segment includes vehicle protection/warranty products (Assurant Vehicle Care), connecting extended service contracts and ancillary protection products through auto dealers. Comparable as a broad-incumbent scale administrator with similar dealer-channel F&I products, though much larger and more diversified.
• Zurich North America (F&I Solutions): Zurich offers dealer-sold vehicle service contracts and protection products through its F&I solutions unit. Broad incumbent providing similar VSC and GAP products through dealer channels, leveraging Zurich's larger insurance balance sheet.
• AIG (American International Group): AIG's warranty division offers extended service contracts and dealer-distributed protection products in North America. Broad incumbent comparable on product type and dealer-channel distribution, though AIG spans many other insurance lines.
• Fortegra (Tiptree Inc. subsidiary): Fortegra is a specialty insurer and warranty administrator offering service contracts, GAP, and ancillary vehicle protection through dealers. Comparable as a mid-to-large-scale administrator with overlapping dealer-channel F&I product portfolio.
• Allstate Dealer Services: Allstate Dealer Services sells vehicle service contracts, GAP, and ancillary protection products through franchised auto dealers. Broad incumbent with a comparable dealer-channel F&I product portfolio and an A-rated insurance backing similar to FWS's Courtesy Insurance structure.

Direct peers

• Safe-Guard Products International: Safe-Guard is one of the largest third-party administrators of F&I products (VSCs, GAP, ancillary protections) for auto dealers in the U.S. Direct competitor in the dealer-sold vehicle service contract and add-on space with very similar product mix and dealer-channel GTM.
• CarShield: CarShield is a major direct-to-consumer vehicle service contract provider, marketing extended warranties online and via TV. Direct competitor in the underlying VSC product category, though differentiated by DTC channel versus FWS's dealer-only distribution.
• Endurance Warranty Services: Endurance is a leading direct-to-consumer extended auto warranty provider, selling mechanical breakdown coverage online. Direct peer in VSC product economics and risk-pool underwriting, though operating via a DTC channel rather than dealer network.
• GWC Warranty (No-Haggle Auto Warranty): GWC Warranty is a no-deductible vehicle service contract provider sold primarily through franchised auto dealers. Direct competitor in the dealer-channel VSC market with overlapping dealer relationships and product positioning.
• Easycare (Easycare Warranty Services): Easycare is an administrator of F&I products (VSCs, GAP, tire & wheel, key replacement) sold through auto dealers. Direct peer offering a similar dealer-channel product portfolio with comparable integration into dealer F&I workflows.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/FidelityWarrantyServices
• LinkedInlinkedin.com/company/fidelity-warranty-services-inc

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Fidelity Warranty Services