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YourCo is a financial protection company built on one promise – to empower dealers with better tools and protect customers with better coverage.
DPIC
For Dealers:
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Differentiates your F&I offering
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Builds repeat business and reputation
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Simple Claims Process via YourCo
For Drivers:
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Protects their down payment investment
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Reduces financial stress after total loss
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Fast reimbursement, real coverage
DOWN PAYMENT INVESTMENT COVERAGE by YourCo reimburses the customer's initial investment if their vehicle is totaled or stolen – giving both dealers and drivers greater confidence in every sale.
Join the next generation of dealers offering more value to their customers and delivering confidence with every car sold.
BECOME A DEALER PARTNER
Learn About Our Coverage
A Product Built For Simplicity
Simple.
Affordable.
Fast.
Simplicity for Customers
YourCo’s Down Payment Protection is designed to be simple — not another confusing add-on. When a customer makes a down payment on a new vehicle, that investment is protected from day one. If their car is totaled or stolen, YourCo reimburses their initial down payment, helping them get back on the road faster and with fewer financial worries. No hidden steps, no complex fine print — just straightforward coverage that delivers when it matters most.
We believe confidence should be easy to understand. That’s why every YourCo protection plan is built around clarity and transparency. Customers know exactly what’s covered, how to file a claim, and when to expect reimbursement. It’s protection without the paperwork headache — turning what’s traditionally a stressful process into a reassuring experience that reflects well on every dealer who offers it.
Ease of Integration for Dealers
For dealers, YourCo fits seamlessly into the existing sales and F&I process. Through our partnership with TecAssured, onboarding is fast, training is minimal, and every policy can be issued within the same workflow your team already knows. We’ve removed the friction that typically comes with adding new products — no new systems to learn, no long approvals, and no extra manual steps.
Dealership partners gain instant access to automated reporting, built-in compliance, and real-time data to monitor performance. YourCo’s integration is designed for efficiency — giving your team more time to focus on what they do best: building trust and closing deals. From setup to support, we make it easy for your dealership to deliver premium protection without slowing down your business.
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Enroll Today:
Sign up when you purchase your vehicle. Include the plan cost in your monthly vehicle payment.
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Drive Worry Free:
Enjoy your new car knowing your down payment is protected. For the first time, you can truly say you are fully covered.
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In The Event of a Total Loss:
If your vehicle is totaled, simply file a claim, and we'll reimburse your down payment in full. A total loss can be the result of an accident, theft, or natural disaster.
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Get Back on the Road:
Use your reimbursement towards a new vehicle with confidence.
Paul Buys a Car.
Paul purchases his "dream" vehicle which has a sales price of $40,000. Paul decides to make a down payment of $5,000 and finance the remaining $35,000. He is required to have full comprehensive insurance coverage because of the remaining balance owed, and he decided to add gap insurance to this coverage. Paul feels his purchase is fully protected, finalizes the deal, and leaves the dealership in his new dream car. Yay, Paul!
Eleven months later, Paul is in an automobile accident and totals his vehicle. The insurance company calculates the FMV of his car at $28,000 which is 30% lower than his original purchase price. His insurance deductible is $500.00, so the insurance company agrees to pay him $27,500 for his vehicle. Paul still owes $34,000 on the loan for his car. If his gap insurance coverage agrees to pay, then gap insurance will cover the difference between the FMV and the remaining balance on the automobile loan. The gap insurance coverage pays Paul $6,500.00, then he pays off his loan and is now at a $0 balance.
However, what about Paul's initial $5,000 down payment that he made? It was lost the moment his vehicle was totaled. If he wants to return to the dealership to purchase the same car and get the same financing terms, Paul will need another $5,000 down payment. If Paul is like a majority of car buyers, he will have to wait and save another $5,000 for his next down payment.
Thankfully, Paul elected to receive YourCo’s Down Payment Investment Coverage on his original purchase. Therefore, once his automobile was totaled, he qualified to receive a $5,000 payment to replace the initial down payment he had previously made. This allowed Paul to have the same initial down payment on his replacement automobile and establish the same financing terms.
ABOUT US
At YourCo, our mission goes far beyond simply creating another product to drive profit. We're here to disrupt the automotive industry from a place of care - to reshape it in a way that restores balance and offers consumers more meaningful choices. Our focus is on empowering the everyday customer, the one who's often left with limited options, and bringing trust back to the dealership experience.
3 Reasons To Make A Down Payment
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Lower Monthly Payments
Making a down payment reduces the overall loan amount, which means you’ll be financing less of the car’s cost. This results in smaller monthly payments, making your car loan more manageable within your budget. A lower loan balance also means you’ll pay less interest over the life of the loan, saving you money in the long run.
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Build Equity Faster
By putting money down upfront, you immediately own a larger portion of your vehicle, helping you build equity more quickly. This can be especially beneficial in the event of an early trade-in or a total loss scenario. With more equity, you’re less likely to owe more than the car is worth, which is a common situation when vehicles depreciate faster than the loan is paid off.
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Improve Loan Approval Chances
A down payment can demonstrate financial responsibility and reduce the lender’s risk, which may increase your chances of getting approved for the loan, especially if you have a limited credit history. Lenders often view customers with a down payment as less risky, which could also help you qualify for lower interest rates. This not only saves money but can make purchasing a vehicle much more accessible.
Lower Monthly Payments
Lower Monthly Payments
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