Own the profit you produce
Five structures. One of them is yours.
Five ways to own the profit
Every contract your store writes generates underwriting profit. Most dealers hand it to someone else and never see it again. IDS builds the participation structure that keeps it — and administers it alongside the products that feed it.
Which structure fits depends on your volume, your tax position and how much administration you want to carry. We model all of them against your actual production before you pick one — and your CPA sees the numbers before you sign anything.
Tax treatment depends on your circumstances and changes over time. Nothing on this page is tax advice.
You would not be the first one through this door
IDS places its reinsurance business through Portfolio. The figures below are Portfolio's, across their whole book, as of year-end 2025.
Top rankings in the Dealers' Choice awards for reinsurance since 2008.
Figures reported by Portfolio as of year-end 2025. Insured Dealer Services is an agent for Portfolio.
Your company would be one of them, run to your strategy, with your investment advisor and your CPA.
Every product in the store, and every one of them reinsurable
IDS is an agent for Portfolio, so the full product line-up is available to your store, and every product on it can feed the structure you choose. Nothing has to sit outside the program.
Protection for the vehicle
- Vehicle Service Contracts
- Guaranteed Asset Protection
- Custom Product Bundles
- Lease Wear and Tear
- Spectrum Lease Protection
- Tire and Wheel Protection
- Road Hazard Tire Protection
- Tire Seal Protection
- Key Protection
- Paintless Dent Repair
- Windshield Protection
- Brake Plus Protection
- Battery Replacement
- Custom Pre-Paid Maintenance Programs
- Deposit Protection
Appearance, theft and total loss
- Appearance Protection for interior, exterior and rust
- Vehicle Film Protection
- Rust Protection
- Theft Protection by etch and code
- GPS Theft Protection
- Vehicle Theft Replacement
- Total Loss Protection
- Short-Term Limited Warranties
- Custom CPO Programs
- Lifetime Powertrain and Engine
Reinsured loyalty and retention
- Reinsured Marketing Campaigns
- Custom Lease Loyalty with wear, tear and mileage forgiveness
- Repair Order Component Coverage
- Custom Reinsured Loyalty Programs
- Custom Product Solutions
- Reinsured Service Fluids
Every rate is customizable, and every one of these products can be written into the structure you own.
We will model all five against your actual production
Send us your volume and we will show you what each structure would have returned on the business you already wrote. No structure gets recommended before you see that.
Talk to usGet in touch
Contact us today to find out more about our services and programs.
Ready to see what your store is leaving on the table?
Book a free dealership consultation. We will look at your products, your process and your participation structure, and show you where the profit is going.
Book a consultationNo commitment. A local rep, not a call center.