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While the manufacturer's warranty covers a lot, it does not cover everything. 

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Some of the exclusions are: 

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Tire & Wheel Damage

Windshield Damage

Dent & Ding Protection

Key Loss or Damage

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While you can offer your customer each benefit above individually, it's a better value to the customer to offer them as one benefit or a bundle.

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A bundle benefit program is designed to offer the customer all of the benefits at a lower cost because there is only one administrative fee when they are bought in a bundle. That also means a lower cost to your dealership!

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The one thing most of the top producing F&I departments have in common is that They bundle their products.