NVP Warranty
NVP Warranty (NVP Direct LLC) is a US-based provider of vehicle service contracts and GAP coverage for used vehicles, distributing exclusively through a nationwide network of approved dealers and agents since 2012.
- Company typePrivate
- Founded2012
- HeadquartersIndependence, United States
- Headcount101–250
- GTM typeB2B
- OfferingServices
What NVP Warranty does
NVP Warranty (legal entity NVP Direct LLC) is a US-based provider of vehicle service contracts (extended warranties) and related protection products for used vehicles, operating on a B2B2C model. The company distributes exclusively through a nationwide network of approved dealers and independent agents, with sales managed by territory managers and serviced through a dealer portal (PCRSAuto.com) for contract processing, claims authorization, and payment management. NVP does not sell directly to consumers; instead, dealers enroll, purchase contracts, and resell them at the point of vehicle sale.
The product portfolio spans seven vehicle service contract tiers (Powertrain, 3 Star, 4 Star, 5 Star, Exclusionary, Exclusionary Plus, and Exclusionary Wrap), two EV-specific plans (EV Total Care and EV Wrap), GAP coverage, and optional add-on surcharges such as Luxury Package, Wear & Tear, Commercial Use, Lyft/Uber, Battery Package, Enhanced Labor Rate, Lift Kit, Sensor Package, Unlimited Miles, and Salvage Vehicle. Coverage is available for vehicles up to 225,000 miles and 20 model years of age. NVP's claims operations are hosted at a Scranton, PA call center, with over 80% of claims reportedly resolved the same day and average speed to answer under 90 seconds. All contracts are backed by an A+ rated insurance company, and repair authorization extends to 5,000+ facilities across the US and Canada.
The company generates revenue through premiums paid by dealers on behalf of consumers across multi-year service contracts, with monthly sales reaching $5M as of March 2026 (up from $1M in March 2021). NVP is privately held, self-funded through operations, and headquartered in Independence, OH with offices in Scranton, PA and Charlotte, NC. The company maintains partnerships with 18+ state Independent Auto Dealers Associations and a RepairPal Certified shop referral network. CEO Paul Dreabit (joined 2019, CEO since January 2021) and CRO Mike Melby lead the executive team, both bringing prior experience from GWC Warranty.
NVP Warranty firmographics
Firmographics- Name
- NVP Warranty
- Legal name
- NVP Direct LLC
- Website
- https://nvpwarranty.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- NVP Warranty (NVP Direct LLC) is a US-based provider of vehicle service contracts and GAP coverage for used vehicles, distributing exclusively through a nationwide network of approved dealers and agents since 2012.
- Ownership category
- akta.pro rank
NVP Warranty industry classification
Industry- Product category
- Extended Vehicle Warranties (Vehicle Service Contracts)
- NAICS
- Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers and Related Activities (524)
- SIC
- Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Dealer-Sold & F&I Administered Service Contracts (Dealer Obligors) (FSAJALAD)
- akta.pro secondary industries
- GAP & Vehicle Protection Products (GAP Waiver/Insurance, Lease/Loan Protection) (FSAJALAC), Powertrain & Component-Specific Vehicle Warranty Programs (FSAJALAK)
Keywords
Where NVP Warranty is headquartered
LocationHeadquarters
- HQ city
- Independence
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
NVP Warranty business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Vehicle Service Contracts (Extended Warranties): NVP Warranty earns revenue from the sale of vehicle service contracts (extended warranties) to used vehicle dealers, who in turn sell them to consumers at the point of vehicle purchase. Contracts cover various levels (Powertrain, 3 Star, 4 Star, 5 Star, Exclusionary, Exclusionary Plus, Exclusionary Wrap) and EV plans (EV Total Care, EV Wrap). Revenue is driven by premiums paid by dealers on behalf of consumers, with pricing determined upon vehicle information validation and acceptance.
- GAP Coverage: NVP offers GAP (Guaranteed Asset Protection) coverage as an addendum to auto loans/leases, protecting customers against the difference between their loan balance and the insurance settlement in the event of a total loss. Sold through dealers, lenders, or lessors.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Powertrain — basic coverage on engine, transmission, drive axle, 4WD/AWD, seals & gaskets |
| Subscription | Multi-year contract | 3 Star — adds air conditioning, brakes, cooling, electrical, steering, suspension |
| Subscription | Multi-year contract | 4 Star — adds fuel system, sensors, fluids & filters, interior/exterior, enhanced diagnostics |
| Subscription | Multi-year contract | 5 Star — full component coverage including sensor package, luxury vehicle support |
| Subscription | Multi-year contract | Exclusionary — covers all factory-installed mechanical and electrical components except listed exclusions |
| Subscription | Multi-year contract | Exclusionary Plus — exclusionary coverage transitioning to powertrain after initial term |
| Subscription | Multi-year contract | Exclusionary Wrap — exclusionary coverage starting at zero mileage + powertrain wrapped on |
| Subscription | Multi-year contract | EV Total Care — exclusionary coverage for electric vehicles |
| Subscription | Multi-year contract | EV Wrap — exclusionary EV coverage plus added powertrain |
| Subscription | Monthly | GAP Coverage — protection for vehicle loan/lease balance vs. insurance settlement |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels8 records
NVP Warranty product offering
Product offeringCore offering
NVP Warranty underwrites and administers vehicle service contracts (extended warranties) that franchised and independent used vehicle dealers resell to consumers at the point of vehicle sale. The portfolio spans seven internal-combustion tiers (Powertrain, 3 Star, 4 Star, 5 Star, Exclusionary, Exclusionary Plus, Exclusionary Wrap), two EV-specific plans (EV Total Care, EV Wrap), and GAP coverage. Contracts include 24/7 roadside assistance, rental car reimbursement, and trip interruption, with claims paid directly to licensed US/Canada repair facilities.
Product overview
NVP Warranty provides a tiered portfolio of vehicle service contracts and related protection products. The core offering consists of seven Vehicle Service Contract tiers (Powertrain, 3 Star, 4 Star, 5 Star, Exclusionary, Exclusionary Plus, and Exclusionary Wrap) ranging from basic powertrain coverage to comprehensive exclusionary coverage. The company also offers two Electric Vehicle-specific plans (EV Total Care and EV Wrap) with exclusionary and powertrain coverage tailored to EV components, plus GAP Coverage for total loss protection. Optional add-on surcharges include Luxury Package, Wear & Tear, Commercial Use, Lyft/Uber Use, Battery Package, Enhanced Labor Rate, Lift Kit, Sensor Package, Unlimited Miles, and Salvage Vehicle. All plans include 24/7 roadside assistance, and coverage is available for vehicles up to 225,000 miles and 20 model years of age.
Differentiator
Problem solved
Functional benefit
Products and services
- Powertrain Entry-level vehicle service contract covering core powertrain components including engine, transmission, drive axle, and seals and gaskets with industry standard labor rates, 24/7 roadside assistance, and rental car reimbursement. Sold through NVP's approved dealer network for resale to used vehicle consumers.
- 3 Star Mid-tier vehicle service contract including all Powertrain coverage plus additional components such as air conditioning, brakes, cooling, electrical, steering, and suspension. Sold through NVP's approved dealer network for resale to consumers purchasing used vehicles.
- 4 Star Enhanced vehicle service contract including Powertrain and 3 Star coverage plus fuel system, sensors, and additional components. Sold through NVP's approved dealer network for resale to consumers.
- 5 Star Comprehensive vehicle service contract including Powertrain, 3 Star, and 4 Star coverage plus fluids, filters, interior/exterior components, sensor package, trip interruption benefits, and unlimited miles option. Sold through NVP's approved dealer network for resale to consumers.
- Exclusionary Maximum coverage vehicle service contract covering all factory-installed mechanical and electrical components except those specifically listed in exclusions, with optional luxury package add-on. Sold through NVP's approved dealer network.
- Exclusionary Plus Industry-exclusive vehicle service contract for used vehicles with up to 150,000 beginning miles, providing exclusionary coverage initially and then transitioning to powertrain coverage for an additional 24 months or 24,000 miles. Sold through NVP's approved dealer network; not available in California.
- Exclusionary Wrap Comprehensive exclusionary coverage with contract mileage starting at zero odometer miles, wrapping powertrain on top of exclusionary coverage, and including 24/7 roadside assistance, rental car reimbursement, trip interruption, diagnostics, and fluids and freon. Sold through NVP's approved dealer network.
- EV Total Care Exclusionary coverage plan designed specifically for electric vehicles, protecting against out-of-pocket repair expenses for breakdowns during the contract term, with optional battery package, commercial use, luxury, and enhanced labor rate add-ons. Sold through NVP's approved dealer network.
- EV Wrap Electric vehicle service contract combining exclusionary coverage with additional powertrain coverage wrapped on, providing extended peace-of-mind protection for EV components. Sold through NVP's approved dealer network.
- GAP Coverage Guaranteed Asset Protection (GAP) coverage covering the difference between an outstanding loan/lease balance and the actual cash value of the vehicle in case of total loss, with all-risk protection for fire, theft, collision, or insured perils. Sold through dealers, lenders, or lessors with a minimal monthly cost.
Quantifiable outcome
- Over 80% of claims are resolved the same day received
- +5 more outcomes
Companies that use NVP Warranty
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles1 record
NVP Warranty technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
NVP Warranty partnerships and signals
Strategic signalPartnerships
23 partnerships are on record, tiered core and minor.
- NIADA (National Independent Automobile Dealers Association)coreNVP Warranty partners with NIADA, the National Independent Automobile Dealers Association, to better understand and address the challenges faced by independent dealers across the country.
- Alabama IADA (Alabama Independent Dealers Association)coreNVP Warranty partners with the Alabama Independent Dealers Association to support and advocate for independent dealers in Alabama.
- CIADA (Colorado Independent Auto Dealers Association)coreNVP Warranty partners with CIADA to support independent auto dealers in Colorado.
- CIADA (Consumer Independent Auto Dealers)coreNVP Warranty partners with this independent dealer association to address dealer challenges.
- FIADA (Florida Independent Auto Dealers Association)coreNVP Warranty has a dedicated dealer enrollment page for Florida and partners with FIADA.
- GIADA (Georgia Independent Auto Dealers Association)coreNVP Warranty partners with GIADA to support Georgia independent dealers.
- Illinois IADA (Illinois Independent Automobile Dealers Association)coreNVP Warranty partners with the Illinois IADA.
- Indiana IADA (Indiana Independent Auto Dealers Association)coreNVP Warranty partners with Indiana IADA to support dealers in Indiana.
- SNEIADA (Southeast Nebraska Independent Education Agency)minorNVP Warranty partners with SNEIADA.
- Michigan IADAcoreNVP Warranty partners with Michigan IADA.
- Mid-Atlantic Auto Dealers UnitedcoreNVP Warranty partners with Mid-Atlantic Auto Dealers United.
- MS IADA (Mississippi Independent Auto Dealers Association)coreNVP Warranty partners with MS IADA.
- MO IADA (Missouri Independent Auto Dealers Association)coreNVP Warranty partners with MO IADA.
- New Jersey IADAcoreNVP Warranty partners with New Jersey IADA.
- NY IADA (New York Independent Auto Dealers Association)coreNVP Warranty partners with NY IADA.
- Ohio IADAcoreNVP Warranty partners with Ohio IADA. Ohio is home to their headquarters.
- OK IADA (Oklahoma Independent Auto Dealers Association)coreNVP Warranty partners with OK IADA.
- OIADA (Ohio Independent Auto Dealers Association)coreNVP Warranty partners with OIADA.
- TX IADA (Texas Independent Auto Dealers Association)coreNVP Warranty partners with TX IADA.
- TNIADA (Tennessee Independent Auto Dealers Association)coreNVP Warranty partners with TNIADA.
- VIADA (Virginia Independent Auto Dealers Association)coreNVP Warranty partners with VIADA.
- WATDA (Wisconsin Independent Auto Dealers Association)coreNVP Warranty partners with WATDA.
- RepairPalcoreNVP Warranty has partnered with RepairPal Certified shops to help consumers find high-quality repair facilities. Benefits include 12-month/12,000-mile warranty on repairs, high customer satisfaction ratings, fair pricing, and after-hours drop-off.
Scale indicators8 records
Recent moves10 records
Expansion highlights5 records
NVP Warranty competitors and assessment
Company assessmentDirect peers
- AUL Corp: Dealer-focused vehicle service contract administrator offering a tiered product suite comparable to NVP's Powertrain through Exclusionary plans. Similar go-to-market through independent and franchised dealers with state-specific regulatory adaptation.
- Endurance Warranty: Direct-to-consumer extended vehicle warranty provider offering multi-tier VSC plans across powertrain and exclusionary coverage. Comparable product structure; differs primarily in going direct to consumer rather than exclusively through dealers as NVP does.
- CarShield: Largest consumer-direct vehicle service contract brand, advertising across TV/radio/digital channels. Comparable core VSC products with a multi-tier structure; competitive overlap is in the underlying consumer demand for mechanical breakdown coverage.
- GWC Warranty: Vehicle service contract administrator and one of NVP's primary competitors in the F&I/dealer-sold extended warranty space. NVP's CEO, CRO, and VP of Operations all previously worked at GWC, underscoring how directly comparable the two are on product, channel, and operating model.
- APCO Holdings (Easycare): Provider of vehicle service contracts and finance products distributed through F&I channels. Highly comparable — NVP's Service Operations Director Maria Oliveri joined from APCO, and the two compete head-to-head for dealer shelf-space with overlapping powertrain-to-exclusionary VSC products and administrative services.
Broad incumbents
- JM&A Group: Dealer services arm of Jim Koons Automotive and a long-established F&I administrator offering VSCs, GAP, and ancillary products through franchised dealers. Overlaps with NVP in the VSC and dealer channel but operates at a larger scale with a broader portfolio including finance products.
- Allstate Dealer Services (intrepid DIRECT): Dealer-channel F&I administrator offering VSC, GAP, and ancillary products underwritten by an A-rated carrier. Directly competitive on VSCs but operates as a unit within a much larger consumer insurance brand with broader portfolio and capital backing.
- Assurant (Assured Vehicle Protection / Safe-Guard): Large-scale provider of vehicle protection products including VSCs, GAP, and ancillary warranties distributed through dealers and F&I channels. Operates as part of a broader insurance carrier portfolio rather than a VSC pure-play, but directly overlaps with NVP in dealer-sold service contracts.
- Zurich (Zurich North America — Dealer/Force Protection): Global insurance carrier offering dealer-sold vehicle service contracts and dealer protection products within a wider commercial and personal insurance portfolio. Comparable in VSC products but backed by a much larger balance sheet and broader product set than NVP.
Emerging players
- RoadVantage (Fidelity Warranty Services era): Dealer-focused administrator offering VSCs, GAP, and ancillary protection products with a focus on speed and dealer experience. Smaller and earlier-stage than NVP, but competes in the same independent-dealer channel with overlapping product structure.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
NVP Warranty financial estimates
Financial estimateRevenue estimate
Valuation estimate
NVP Warranty leadership team
Management profileNumber of profiles
Profiles7 records
NVP Warranty funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
NVP Warranty M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about NVP Warranty
What does NVP Warranty do?
NVP Warranty underwrites and administers vehicle service contracts (extended warranties) that franchised and independent used vehicle dealers resell to consumers at the point of vehicle sale. The portfolio spans seven internal-combustion tiers (Powertrain, 3 Star, 4 Star, 5 Star, Exclusionary, Exclusionary Plus, Exclusionary Wrap), two EV-specific plans (EV Total Care, EV Wrap), and GAP coverage. Contracts include 24/7 roadside assistance, rental car reimbursement, and trip interruption, with claims paid directly to licensed US/Canada repair facilities.
Is NVP Warranty a public or private company?
NVP Warranty is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was NVP Warranty founded?
NVP Warranty was founded in 2012. It employs 101 to 250 people.
Where is NVP Warranty based?
NVP Warranty is headquartered in Independence, United States, in the North America region.
How does NVP Warranty make money?
Two revenue lines are on record. Vehicle Service Contracts (Extended Warranties) is the primary driver. The others are GAP Coverage.
Who are NVP Warranty's main competitors?
Direct peers on record are AUL Corp, Endurance Warranty, CarShield, GWC Warranty and APCO Holdings (Easycare). Broad incumbents are JM&A Group, Allstate Dealer Services (intrepid DIRECT), Assurant (Assured Vehicle Protection / Safe-Guard) and Zurich (Zurich North America — Dealer/Force Protection). RoadVantage (Fidelity Warranty Services era) is listed as an emerging player.
Does NVP Warranty have an API?
No public API is recorded for NVP Warranty.
What industry is NVP Warranty in?
NVP Warranty's product category is Extended Vehicle Warranties (Vehicle Service Contracts). Its primary akta.pro industry code is FSAJALAD, Dealer-Sold & F&I Administered Service Contracts (Dealer Obligors), with a secondary code of FSAJALAC, GAP & Vehicle Protection Products (GAP Waiver/Insurance, Lease/Loan Protection). Its NAICS code is 52412 and its SIC code is 6331.