Product 02 · TIPP · Trade-In Protection Plus
Protect their equity.
Bring them back.
An F&I product that gives buyers a future Vehicle Replacement Credit after a qualifying collision — offsetting the diminished value an accident leaves on Carfax. Powered by the Estimatics platform.
A second moment of trust
"They came back to us — and bought their next one."
$10K
max credit
84 mo
financed term
$500+
qualifying repair
1 in 20
service customers / yr
Why it matters
An accident shouldn't end the customer relationship.
1 in 20 service customers has a minor collision each year. Most pay out of pocket, repair elsewhere, and never call the dealer who sold them the car.
Even after professional repairs, a Carfax entry can drop trade-in value by $2,000 to $20,000 — putting buyers underwater.
TIPP closes that gap with a contractually-backed Vehicle Replacement Credit, redeemed at your store. You keep the relationship, the trade, and the next sale.
For the dealer
A loyalty tool that pays you back — twice.
Repeat business engine
Incentivizes customers to bring damaged vehicles back to the originating dealer at trade-in — not to a competitor.
CSI & retention lift
A customer-first benefit that turns post-accident anxiety into renewed brand trust.
Higher-quality used inventory
Trade-ins come back through your store with full repair documentation — feeding a stronger, more transparent used-car pipeline.
F&I differentiator
A protection product that solves a real, visible customer pain — and stands out on the menu.
How it works
From qualifying collision to credit at trade-in.
01
Enroll at purchase
Customer selects a $2,500, $5,000, $7,500, or $10,000 Vehicle Replacement Credit limit when financing.
02
Drive with confidence
Coverage is active for up to 84 months financed (60 months cash) as long as physical-damage insurance is maintained.
03
Qualifying repair
After an insurance-covered collision with $500+ in repairs, the Estimatics platform documents the event quickly and accurately.
04
Credit at trade-in
When the customer trades at a participating dealer, the Vehicle Replacement Credit is applied — offsetting Carfax-driven value loss.
Coverage levels
Four credit tiers. Real money at trade-in.
Pays the lesser of the repair amount or the coverage limit — applied at trade-in.
$2,500
Default coverage
$5,000
Most popular
$7,500
Higher-value vehicles
$10,000
Maximum credit
In the real world
Scenarios that close the next deal.
Subaru Outback
The trade-up customer
Rear-ended at a red light. $3,700 in repairs. Carfax knocks $9,000 off her trade. Her $5,000 TIPP plan returns a $3,700 credit — most of the lost value, recovered.
Pre-owned Camry
The family saver
A young driver scrapes a pole. $1,100 repair. Trade-in value drops $3,500. The $2,500 plan delivers $1,100 — enough to make the safer SUV affordable.
Repeat buyer
The retention close
Loyal customer hits a deer. $5,200 in repairs. Trade-in value drops $8,000. The $5,000 plan caps at $5,000 — and the sales manager closes the next deal in-brand.
BMW X5
The luxury upgrade
Serious accident on a BMW X5 — $12,500 in repairs, $18,000 of diminished value. The maximum $10,000 plan delivers the full credit, keeping the customer in the brand family.
Ford Explorer
The out-of-town trade
Relocated from Florida to North Carolina. $6,000 in repairs, $10,000 of lost value. The $5,000 plan pays out at a participating network dealer — coverage travels with the customer.
Mazda CX-5
The lease buyout boost
Bought out a CX-5 lease, then a low-speed collision: $1,200 in repairs, $4,000 in lost value. The $2,500 plan returns $1,200 — applied straight to her next lease.
Eligibility
What qualifies
- Physical-damage insurance maintained on the vehicle
- Covered collision (not a total loss)
- Repairs over $500, covered by insurance
- Trade-in occurs during the active Agreement Term
- Trade-in at the originating or a participating network dealer
Exclusions
What doesn't qualify
- ·Salvage or branded-title vehicles
- ·Exotic makes (Ferrari, Lotus, etc.)
- ·Vehicles used commercially (rideshare, delivery)
- ·Vehicles priced above the program maximum
- ·Trade-ins after the Agreement Term expires
TIPP is not an insurance policy. It is a voluntary vehicle protection agreement — non-cancellable and fully financeable through Ally — that pays a Vehicle Replacement Credit toward the customer's next purchase or lease at a participating dealer.
Better together
AE-Pro + TIPP — a complete cosmetic and equity strategy.
AE-Pro captures the moment of damage — instant First Notice of Loss back to your store. TIPP pays out at trade. A complete post-accident retention system.
See AE-ProAt the moment of damage
AE-Pro
AI photo-estimate app delivering instant First Notice of Loss leads — so the customer calls you, not a competitor.
At trade-in
TIPP
Vehicle Replacement Credit up to $10,000 — non-cancellable, financeable through Ally — redeemed at your store.
Let's connect
Add a loyalty engine to your F&I Department.
We'll show you how TIPP fits — and how it pairs with AE-Pro.
Schedule a conversation