What Fidelity Dealer Services does

Fidelity Dealer Services is a privately held US automotive F&I (Finance & Insurance) agency founded in 2005 by Greg Scarano, headquartered in Chester, New Jersey. The company serves franchised and independent automotive dealerships nationwide by acting as an outsourced agency partner that supplies F&I products, training, reinsurance advisory, and personnel support. Its product portfolio spans Vehicle Service Contract (VSC) protection plans, GAP protection, tire & wheel bundles, lease wear and tear coverage (up to $5,000 in waived charges), total loss benefits, ancillary maintenance products, and the exclusive Peace of Mind bundled program. It also offers reinsurance evaluations across five structures and temporary or long-term F&I staffing, where trained finance managers can be deployed into a dealership within 24 hours.

The company's technical footprint is limited and services-oriented rather than platform-centric: custom mobile applications are offered for dealer-to-consumer communication, but there is no disclosed API, SDK, or AI/ML component. Distribution runs through an enterprise field sales model with regional managers covering territories such as the Northeast and West Coast, supported by NADA conference presence, on-site and Houston-facility training seminars, and an extensive testimonial-driven content marketing approach.

Fidelity generates revenue on an agency / transaction-fee basis, earning commissions on F&I products sold through its dealership clients. Pricing is quote-based and tailored, with multi-year contracts typical. The vendor-agnostic positioning allows the company to curate products across A-rated insurance carriers rather than reselling a single carrier's stack. Customer outcomes cited include PVR increases of $235-$300 per vehicle, 10% warranty penetration gains, and finance department gross improvements exceeding $600,000 at named dealer clients, indicating the economic value the agency delivers per dealership relationship.

Name

Fidelity Dealer Services

Legal name

Fidelity Dealer Services

Website

https://fidelitydealerservices.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

Fidelity Dealer Services is a US automotive F&I agency that supplies franchised dealerships with VSC, GAP, tire & wheel, lease wear, and reinsurance products, plus F&I training, staffing support, and custom mobile apps on a multi-year, commission-based contract model.

Ownership category

akta.pro rank

Product category

Automotive F&I Dealer Services

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

akta.pro secondary industry

Distribution Support & Dealer Services (Commissions/Trails, Agreements, Data Feeds) (FSAAAMAJ)

Keywords

• Automotive F&I consulting
• Dealer training services
• Vehicle service contracts
• F&I product agency
• GAP insurance products

Headquarters

HQ city

Chester

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Revenue model

1. F&I Products and Services: Fidelity Dealer Services generates revenue by providing automotive dealerships with F&I (Finance & Insurance) products including VSC Protection Plans, GAP insurance, Tire & Wheel coverage, Lease Wear and Tear protection, Total Loss benefits, and ancillary products. The company acts as an agency providing products, training, and support to dealerships.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Fidelity Dealer Services is an automotive consulting agency that provides automotive dealerships with F&I (Finance & Insurance) products — including VSC Protection Plans, GAP, Tire & Wheel, Lease Wear and Tear, Total Loss Benefit, and the exclusive Peace of Mind program — along with reinsurance evaluations, F&I department training, fill-in F&I manager staffing support, and custom mobile applications. The company acts as an agent selling products on behalf of A-rated insurance carriers and vetted vendors while delivering hands-on dealer training and weekly on-site support.

Product overview

Fidelity Dealer Services offers a comprehensive portfolio of automotive F&I (Finance & Insurance) products and dealer support services. The core product lineup includes VSC Protection Plans, GAP Protection, Tire & Wheel packages, Lease Wear and Tear coverage, Total Loss Benefits, and the exclusive Peace of Mind program. These products work together as an integrated dealership backend solution: VSC and GAP provide foundational protection products, Tire & Wheel and Lease Wear address vehicle damage and lease-end concerns, Total Loss helps with customer retention after vehicle loss, and Peace of Mind bundles multiple coverages into a comprehensive offering. The company also provides ancillary products with exclusivity rights, reinsurance evaluation services, temporary/long-term FI staffing support, and custom mobile applications for dealer-customer communication. The portfolio is designed to help dealerships increase PVR (Per Vehicle Revenue) and provide comprehensive backend profit improvement.

Differentiator

Problem solved

Functional benefit

Products and services

• VSC Protection Plans

Quantifiable outcome

• PVR increase of $235 per vehicle at Hudson Toyota
• +6 more outcomes

Named customers11 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered minor and core.

• NJCarminorStrategic or Co-development PartnerFidelity Dealer Services is a proud member of NJCar, an automotive industry association. This membership allows the company to stay on top of automotive trends and adapt with vendors accordingly. NJCar is a regional automotive trade organization serving New Jersey dealers.
• A-rated Insurance CompaniescoreOthersFidelity works with A-rated insured companies and vets vendors for compliance and insurance backing prior to doing business. This ensures product quality and financial stability for dealership clients.
• Triple Protection Auto Care (Tri-Pac)coreChannel Partner/ Reseller/ DistributorFidelity Dealer Services is an agent for Triple Protection Auto Care (Tri-Pac), offering their auto care products to dealership clients. Services include tire and wheel protection with easy claims processing and timely payments.

Scale indicators8 records

Recent moves4 records

Expansion highlights4 records

Others

• DealerSocket (Cox Automotive): DealerSocket provides dealer CRM and desking technology used in F&I workflow — adjacent technology provider rather than direct competitor, but increasingly relevant as F&I digitizes.

Direct peers

• Safe-Guard Products International: Safe-Guard underwrites and administers vehicle protection products (VSC, GAP, tire & wheel, lease protection) and partners with dealerships — overlapping Fidelity's core product portfolio of F&I protection products.
• EFG Companies: EFG provides F&I product administration, training, and reinsurance services to automotive dealerships — closely matching Fidelity's bundled agency + training + reinsurance model and customer segment.
• GSFS Group: GSFS Group delivers F&I products, training, and compliance support to franchised dealers across multiple product categories — overlapping Fidelity's training-led dealer engagement.
• UDS (Universal Dealer Services): UDS supplies dealerships with F&I products, training, and back-office support — directly competing in the same agency-relationship-driven F&I channel.
• JM&A Group: JM&A Group provides F&I training, products, and reinsurance services to franchised dealers, including dealer-owned captive insurance structures — directly comparable to Fidelity's training-plus-agency model.

Broad incumbents

• Allstate Dealer Services: Allstate's dealer services arm sells VSC and ancillary products through dealerships, leveraging Allstate's carrier balance sheet — broader portfolio incumbent overlapping Fidelity's GAP/VSC lane.
• Assurant (Assurant Dealer Services): Assurant offers F&I vehicle protection products, including VSC, GAP, and tire & wheel, at much larger scale through captive distribution — a broad incumbent in the same product categories Fidelity curates for dealers.
• Zurich North America (Dealer/Dealer E&O): Zurich writes commercial and dealer-related insurance including garage and dealer E&O, sitting upstream of agencies like Fidelity as a carrier partner.

Regional players

• Phil Smith Insurance & Financial Services: Regional F&I agency serving Southeast U.S. dealerships with similar VSC, GAP, and ancillary F&I products and dealer training.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/fidelity-dealer-services

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

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 Dealer Services