Product 02 · TIPP · Trade-In Protection Plus
Protect their equity.
Bring them back.
TIPP (Trade-In Protection Plus) is the F&I Department product from Advanced Estimatics™, powered by the Estimatics platform. It gives your buyer a future Vehicle Replacement Credit if their vehicle is involved in a qualifying collision — offsetting the diminished value an accident leaves on Carfax.
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.
Every year, thousands of customers experience minor collisions — but most never file an insurance claim. They pay out of pocket, repair elsewhere, and rarely call the dealership that sold them the car. Roughly 1 in 20 service customers experiences minor collision damage each year.
And even after professional repairs, accident history permanently reduces a vehicle's trade-in value. A single Carfax entry can drop resale by $2,000 to $20,000, leaving buyers with negative equity — owing more than the car is worth.
TIPP closes that gap with a real, contractually-backed Vehicle Replacement Credit redeemed at your dealership. You retain 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.
The Vehicle Replacement Credit pays out at the lesser of the qualifying repair amount or the selected coverage limit — applied directly 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 is the AI photo-estimate app customers reach for immediately after damage occurs — generating an instant First Notice of Loss lead back to your store. TIPP is the F&I product that pays out when they trade. Together they form a complete post-accident retention system: capture the moment of damage, then close the next deal.
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 your retention strategy — and how it pairs with AE-Pro.
Schedule a conversation