About VIP Warranty
The Problem: When you buy a traditional extended warranty, your payment passes through many hands before any money is set aside to pay your claims. The result? Only a fraction of what you pay actually protects you.
VIP Warranty was created to solve this problem. We built a new way to warranty—one that removes the layers and puts more money where it matters most.
How Traditional Warranties Work
When you buy a traditional extended warranty, here's where your money goes:
| Layer | What They Do | Impact on You |
|---|---|---|
| Administrator | Manages paperwork and processes claims | Takes their cut |
| Brokers | Multiple sales layers and commissions | Takes their cut |
| Retailers | Dealerships or sellers marking up price | Takes their cut |
| Insurance Companies | Backs coverage after all other fees | Takes their cut |
| Claims Reserve | What's finally left to pay your claims | Small fraction remains |
The Result: Each layer takes their share before your money reaches the claims reserve. Only a fraction is actually set aside to protect you when something breaks.
The VIP Direct Model
We removed the layers. VIP provides a direct model that puts more of your money into the claims reserve—where it belongs.
| Feature | Traditional Model | VIP Direct Model |
|---|---|---|
| Your Payment Flow | Multiple layers → Small reserve | Direct → Larger reserve |
| Administrator Fees | Separate company takes cut | Eliminated |
| Broker Commissions | Multiple sales layers | Eliminated |
| Retailer Markup | Dealer adds 50-200% | Eliminated |
| Money to Claims | Small fraction | More reserved for you |
Our Mission: Simple, Transparent, Reliable
Pay claims and answer the phone. That's it. Finally, a program that just does what it's supposed to. Simple.
- Simple - One coverage level, no confusion, no tiers
- Transparent - Direct relationship, no hidden markup, no games
- Reliable - Claims paid, phones answered, peace of mind delivered
Our Track Record
We're not the biggest. We don't have celebrity endorsements. We just pay claims and answer the phone. And we're ready to pay more.
What This Means for You
- One coverage level (exclusionary) - No confusion, no tiers, no games
- Monthly subscription - Cancel anytime, no penalties, no long-term contracts
- Real people answer the phone - No phone trees, no runaround, just helpful service
- Claims paid quickly - Direct relationship means faster approvals and payments
- No upfront payment - No premium financing, no massive upfront costs
- Direct to insurance company - Your money goes straight where it matters most
Everyone says "Peace of Mind." We actually set it up to work that way.