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Diversified Insurance Facilities
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Diversified Insurance Facilities
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Guaranteed Auto Protection (GAP) Insurance

Guaranteed Auto Protection (GAP) Insurance Program from Diversified Insurance Facilities

Diversified Insurance Facilities offers a specialized Guaranteed Auto Protection (GAP) Insurance program designed for independent agents and brokers serving auto dealerships and vehicle lessors. This program helps protect your clients from financial exposure when a vehicle is totaled and the actual cash value paid by the primary insurer is less than the outstanding loan or lease balance. Through a partnership with Auto Trac System and backed by Markel Insurance, this GAP insurance solution is available for both new and used vehicles sold through franchised dealerships, as well as for leased vehicles. Whether your clients are financing or leasing, this coverage can fill the critical gap between insurance settlements and remaining loan obligations.

Ideal Accounts and Appetite

This program is an excellent fit for agents working with:
  • New and used franchised auto dealerships
  • Leased vehicle programs
  • Retail finance contracts
  • Auto lenders or finance companies looking to offer GAP as part of their protection packages
You might have a dealership client looking to offer added value to their buyers or a leasing company seeking to reduce post-accident financial risk for lessees—this program is built for those scenarios.

Coverage Highlights and Advantages

  • Pays 100% of the difference between the primary insurer’s payout and the remaining loan/lease balance
  • Available for both new and used vehicles
  • Applies to retail finance contracts and leased vehicles
  • Offered through the Auto Trac System platform
  • Underwritten by Markel Insurance, a respected carrier in the specialty insurance space
This coverage can significantly reduce financial burden for vehicle buyers and lessees who experience a total loss, while also adding value to your dealership or finance company clients' offerings.

Underwriting Notes and Minimum Premiums

Minimum premiums vary depending on the structure of the deal and the type of vehicle involved. Diversified Insurance Facilities works with a variety of markets, allowing for flexible underwriting and placement options. Agents can expect tailored solutions based on their clients’ specific needs.

Territories and Availability

This GAP Insurance program is available in most U.S. states, including but not limited to: AK, AL, AZ, CA, FL, GA, IL, MI, NY, TX, and WA. Some coverage is written on an admitted basis, depending on the market and state requirements.

Why Work With Diversified Insurance Facilities?

As a wholesale broker with deep expertise in niche auto-related programs, Diversified Insurance Facilities provides agents access to competitive GAP insurance solutions supported by strong carrier relationships. The firm’s experience with both franchised dealerships and leased vehicle programs allows for efficient underwriting, quick turnaround, and reliable support. If you're looking for a dependable GAP insurance market to support your dealership or auto finance clients, Diversified Insurance Facilities has the tools and carrier access to help you succeed.

Frequently Asked Questions

What types of accounts are a good fit for this GAP Insurance program?

This program is ideal for franchised auto dealerships (new or used), leasing companies, and auto finance providers offering retail installment contracts.

Is coverage available for both new and used vehicles?

Yes, the program supports both new and used vehicles sold or leased through franchised dealerships.

Who underwrites the GAP coverage?

The coverage is insured by Markel Insurance and administered through the Auto Trac System platform.

Can I access this program in my state?

This program is available in most U.S. states, including high-volume markets like CA, FL, TX, NY, and IL. Contact Diversified Insurance Facilities to confirm availability in your state.

Is the coverage admitted or non-admitted?

Some admitted markets are available depending on the state and specific risk. Diversified Insurance Facilities can help determine the best fit.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Wholesale Broker
  • Admitted:
    Some Available Markets
  • Carriers:
  • Carrier Ratings:
    Varies
  • Commission:
    Varies
  • Min Premium:
    Varies

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CONTACT INFORMATION

LOCATION

18 Augusta Pines Dr. , Ste. 220W
Spring, TX 77379
281-364-8300
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Diversified Insurance Facilities has other insurance programs like Auto Inventory Insurance.