Collateral Protection Insurance
Creditor-placed physical-damage protection when required borrower insurance cannot be verified, subject to the contract, policy, and applicable requirements.
Explore collateral protection insurance programsCPI resources built around dealer-held receivables, insurance tracking, claims, and account corrections.Explore CPI for BHPH dealers
CPI first. Additional protection when it fits.
Auto Finance Protection Categories Built Around CPI
Use this buyer-side guide to compare the risks, documents, roles, and operating questions behind CPI, tracking, participation, reinsurance, VSI, GAP, warranty, technology, and related protection categories.
Category education and comparison questions. Verify providers, authority, terms, and state availability.
The flagship solution
Collateral Protection Insurance built around the dealer’s workflow.
Collateral Protection Insurance, often called creditor-placed or auto force-placed insurance, can help protect the creditor’s interest when required borrower physical-damage coverage is missing or cannot be verified. The useful program begins before placement—with accurate evidence review, clear borrower communication, documented decisions, and prompt account corrections. Dealers considering a portfolio-level alternative can compare CPI and VSI insurance before deciding which structure fits.
Understand the Complete CPI Program01Verify required insurance evidence
02Address missing or deficient proof
03Place CPI only when permitted
04Correct accounts and process required credits
05Support claims, reporting, and exceptions
CPI-firstOne clear category owner across the site
All-in costCompare the complete program economics—not one headline rate
Named rolesVerify who owns each policy, service, claim, system, and escalation decision
ParticipationA path for eligible dealers to share positive net results
The ACP difference
Participate in CPI profits without starting a separate reinsurance company.
Eligible dealers can receive a contractual share of positive net CPI program results without forming, owning, funding, or managing a separate dealer-owned reinsurance company. Dealers prepared for additional ownership can also evaluate dedicated reinsurance options.
See How CPI Participation WorksProtect the collateral
Collateral and portfolio protection
Start with the vehicle securing the receivable and the workflow that tells your team when that collateral is exposed.
Insurance Tracking & Verification
Monitor proof, coverage dates, VINs, deductibles, lienholder details, cancellations, reinstatements, and unresolved exceptions.
Explore insurance tracking for auto lendersVSI & Blanket Protection
Evaluate a broader lender-interest structure when loan-level CPI may not be the preferred model for the portfolio.
Compare CPI and VSICollateral Technology
Compare GPS, anti-theft, evidence-intake, reporting, and portfolio-monitoring categories against documented requirements and provider evidence.
Review My Collateral-Technology NeedsProtect the loan
Loan and payment protection
Address defined loan-balance or payment risks with the correct product structure, disclosure, and administration.
GAP & Debt Cancellation
Evaluate eligible deficiency protection after a covered total loss or theft, using the correct insurance or contractual-waiver structure.
Review GAP Options for My DealershipPayment Protection
Review approved debt-cancellation, credit-life, disability, or related payment-protection options where available and appropriately structured.
Review My Payment-Protection OptionsDeductible Reimbursement
Consider contractual benefits that may reimburse an eligible primary-insurance deductible after a qualifying event.
Check Deductible-Reimbursement AvailabilityProtect the vehicle
Vehicle and ownership protection
Help dealerships manage repair-cost friction, ownership interruptions, and product value without losing sight of affordability.
BHPH Limited Dealer Warranty
$99 down and $75 per month can create an affordable path to selected core-component protection, with an optional air-conditioning tier, for eligible programs and vehicles.
See the BHPH WarrantyVehicle Service Contracts
Build defined mechanical-repair coverage around inventory, mileage, customer needs, dealer operations, and approved program terms.
Explore Flexible CoverageRoadside, Maintenance & More
Compare roadside assistance, maintenance, tire and wheel, key, windshield, dent, appearance, and related ownership-benefit categories.
Review My Dealer Protection QuestionsAdditional categories to evaluate
A broader category map without a confusing product dump.
Availability and legal classification vary. Confirm the actual provider, agreement, role, vehicle criteria, state scope, and approval evidence before treating any category as available.
Anti-theft and trackingCredit propertyDebt cancellationDiminishing value and trade-inDent and dingEtchExtended-service-contract supplementsGPS tracking failureIdentity protectionKey replacementLifetime powertrainPaint and fabricPrepaid maintenanceRoadside and trip interruptionTire and wheelWindshield protection
Review Product-Category Questions Where should I start?
Match the product to the risk—not the other way around.
A useful product conversation starts with what is happening in the dealership or portfolio. It does not start by checking every box on an F&I menu.
Customers cancel insurance or proof is hard to verify
Start with CPI and insurance tracking.
Explore insurance tracking and CPI →A total loss can leave a remaining loan deficiency
Evaluate GAP or the appropriate debt-cancellation structure.
Review GAP and loan-protection options →Repair costs create missed payments and customer frustration
Explore the affordable BHPH limited-warranty program.
Explore the BHPH warranty →The portfolio needs broader lender-interest protection
Compare CPI, VSI, blanket, tracking-only, and retained-risk models.
Compare CPI, VSI, and blanket protection →A practical next step
Start with the CPI decision that protects the portfolio.
Share your portfolio range, the states you serve, and what is not working in your current process to request a focused CPI conversation.