2. Introduction Royal Administration Services, Inc.
Automotive Service Contract Administrator
Headquartered in Hanover, MA
Nationwide General Agency Distribution Network

3. History New England Based Company, Founded in 1989
One of the Largest Service Contract Providers backed by two AM Best Rated Excellent Insurers
Lyndon Property Insurance Co. (Protective)
Wesco Insurance Company (Amtrust)

4. THE ROYAL ADMINISTRATION STORY
The foundation of Royal Administration Services is built on core strengths that
define our corporate vision – service, security, and choices. Our mission is to
provide your business with the support it needs to maintain a successful service
contract program.
As one of the most solidly backed administration companies in the industry, we
offer an extensive line of services and products to choose from. Our foresight and
experience ensures that your service contract program will be a success.
Whether you have an existing program that requires administrative support or you
are looking to offer a new product to your customers, Royal offers a complete
package. We provide data center operations, a state-of-the-art call center, claims
adjudication, and administrative reporting; all provided by individuals who are
experts in service contract administration.
With some companies you have to earn your privileges. With Royal, you’re entitled to them.

5. SECURITY Coverage you can depend on.
Many service contracts are not backed by an insurance carrier. Customers who
purchase an uninsured service contract take a significant risk with their
investment. If the companies offering these products have financial
difficulties, the funds to administer claims may not be available.
Royal has addressed this risk by having their products backed by Wesco Insurance Company . Wesco has received a rating of “Excellent” from A.M. Best Company and is a leader as an extended service contract provider and credit insurance writer. Our partnership with them allows us to administer programs that give your customers the security they want.
Reserve funds are kept for each and every service contract sold. Your customer can rest assured that their investment is protected.
A program administered by Royal..... is coverage you can depend on.

6. Products and Coverage

7. Integrity Automotive Protection
IAP
Integrity Automotive Protection

8. Products
Royal believes that you should be able to offer your customers the type of extended service contract coverage that gives them peace of mind. For the customer who only needs basic component coverage to the customer who is looking for a wide variety of systems coverage, Royal offers programs that are tailored to fit every budget.
All service contracts offer your consumers some of the most comprehensive benefits in today’s marketplace.
Protection Against Breakdowns
24 Hour Roadside Assistance
Substitute Transportation (immediate) $35 per day – max $175
Trip Interruption
Towing
Deductible Options: $0
$50
$100
$200
$250
$500
The Callback now has its status changed to completed, and is removed for the queue. 19 minutes to handle this issue.
Department Managers are constantly monitoring how many, how long, and who is completing these.
ACCOUNTABILITY………

9. IAP Essential Product/Coverage Engine Transmission
Integrity Automotive Protection
Product/Coverage
Essential
Engine
Transmission
Differential Assembly
Differential Assembly
Component
Plan Benefits:
24 Hour Roadside
Substitute Transportation
Trip Interruption Intervention
Towing Benefit
Engine
Transmission / Transaxle
Whether your looking for coverage of major components only, or the peace of mind that a wide variety of systems coverage can provide Royal has a program that will fit you and your vehicle!
Vehicles up to 150,000 Miles at Time of Sale
Contract Validation 30 Days & 1,000 Miles

10. Limits of Liability: ACV at Time of Breakdown
Comprehensive
IAP
Integrity Automotive Protection
Value –based coverage which includes both the drivetrain and other mechanical and electrical systems
179 Components Covered!
Engine
Transmission
Transfer Case
Differential Assembly
Drive Axle
Steering
Electrical
Air Conditioner
Turbocharger/Supercharger
Brakes
Plan Benefits:
24 Hour Roadside
Substitute Transportation
Trip Interruption Intervention
Towing Benefit
Whether your looking for coverage of major components only, or the peace of mind that a wide variety of systems coverage can provide Royal has a program that will fit you and your vehicle!
Used Car Terms from 12Mo/12,000Mi to 48Mo/48,000Mi on Vehicles up to 150,000 Miles at Time of Sale
New Car Terms from 36Mo 75,000Mi to 60Mo/100,000Mi on Vehicles up to 60,000 Miles at time of sale
Limits of Liability: ACV at Time of Breakdown

11. Limits of Liability: ACV at Time of Breakdown
Elite
IAP
Integrity Automotive Protection
Extensive Drivetrain and systems coverage for the customer seeking high level protection!
269 Components Covered!
Includes all components covered under the Comprehensive Plan Plus:
Enhanced Electrical
Front & Rear Suspension
Enhanced Electrical
Fuel Delivery
Cooling
Plan Benefits:
24 Hour Roadside
Substitute Transportation
Trip Interruption Intervention
Towing Benefit
Whether your looking for coverage of major components only, or the peace of mind that a wide variety of systems coverage can provide Royal has a program that will fit you and your vehicle!
Used Car Terms from 12Mo/12,000Mi to 48Mo/48,000Mi on Vehicles up to 125,000 Miles at Time of Sale
New Car Terms from 36Mo 75,000Mi to 60Mo/100,000Mi on Vehicles up to 60,000 Miles at time of sale
Limits of Liability: ACV at Time of Breakdown

12. IAP Product/Coverage OEM Limits of Liability: ACV at Time of Breakdown
Integrity Automotive Protection
Product/Coverage
Available for newer, low mileage vehicles. This plan provides extended coverage similar to the original manufacturer’s warranty!
THE OEM VEHICLE SERVICE CONTRACTS COVER ALL VEHICLE PARTS EXCEPT:
•Tires/Wheels/Wheel Covers
Battery
Paint
Light Bulbs
Lenses
Trim
Upholstery/Convertible & Vinyl Tops
Other normal maintenance services and parts including engine tune-up, suspension alignment, wheel balancing, filters, lubricants, engine coolant, fluids, spark/glow plugs, brake pads, linings and shoes.
•Drums and Rotors Except When Damaged By a Covered Part•Body Panels•ExhaustSystem/Catalytic Converter • Rust/Corrosion • Cellular Telephones
•Manual Clutch Components • Video Entertainment Systems
Anti-theft systems, radio/speaker equipment and any other equipment when not installed by the Vehicle Manufacturer.
**See contract for specific exclusions
Whether your looking for coverage of major components only, or the peace of mind that a wide variety of systems coverage can provide Royal has a program that will fit you and your vehicle!
Plan Benefits:
24 Hour Roadside
Substitute Transportation
Trip Interruption Intervention
Towing Benefit
New Car Terms from 36Mo 75,000Mi to 60Mo/100,000Mi on Vehicles up to 60,000 Miles at time of sale
Limits of Liability: ACV at Time of Breakdown

14. Products
Royal believes that you should be able to offer your customers the type of extended service contract coverage that gives them peace of mind. For the customer who only needs basic component coverage to the customer who is looking for a wide variety of systems coverage, Royal offers programs that are tailored to fit every budget.
All service contracts offer your consumers some of the most comprehensive benefits in today’s marketplace.
Protection Against Breakdowns
24 Hour Roadside Assistance
Substitute Transportation ($30 per day per 8 hours approved labor – max $90)
Towing
Deductible Options: $0
$50
$100
$200
$250
$500
The Callback now has its status changed to completed, and is removed for the queue. 19 minutes to handle this issue.
Department Managers are constantly monitoring how many, how long, and who is completing these.
ACCOUNTABILITY………

15. Product/Coverage
Powertrain
Powertrain Plus
Classic
Premier

16. Available Terms for Used Vehicles Only - 12 months / 12,000 miles
Powertrain
(43 Covered Components)
Engine
Transmission/Transaxle
Differential Assembly Components
Towing
Plan Benefits:
24 Hour Roadside
Substitute Transportation
Towing Benefit
Available Terms for Used Vehicles Only - 12 months / 12,000 miles
24 months / 24,000 miles - 36 months / 36,000 miles - 48 months /48,000 miles
Vehicle Mileage up to 150,000

17. Available Terms for Used Vehicles Only - 12 months / 12,000 miles
Powertrain Plus
(53 Covered Components)
Fuel System
Engine
Transmission/Transaxle
Differential Assembly Components
Cooling System
Fuel System
Towing
Cooling System
Plan Benefits:
24 Hour Roadside
Substitute Transportation
Towing Benefit
Available Terms for Used Vehicles Only - 12 months / 12,000 miles
24 months / 24,000 miles - 36 months / 36,000 miles - 48 months /48,000 miles
Vehicle Mileage up to 150,000

18. 36 months / 36,000 miles - 48 months / 48,000 miles
Classic
(83 Covered Components)
All Select Coverage Components Plus:
Timing Belt
CV Joints
Steering
Electrical
Seals and Gaskets
Air Conditioner
Cooling System
Substitute Transportation
24 Hour Roadside Assistance
Plan Benefits:
24 Hour Roadside
Substitute Transportation
Towing Benefit
Available Terms for Used Vehicles Only months / 12,000 miles - 24 months / 24,000 miles
36 months / 36,000 miles - 48 months / 48,000 miles
Vehicle Mileage up to 150,000

19. 36 months / 36,000 miles - 48 months / 48,000 miles
Premier
(168 Covered Components)
All Premium Coverage Components plus:
Enhanced Seals and Gaskets
High-Tech Electrical
Enhanced Cooling System
Fuel System Plus
Brake System
Suspension
Turbo/Supercharger
Enhanced Air Conditioner
Fluids
Enhanced Substitute Transportation
Trip Interruption
Plan Benefits:
24 Hour Roadside
Substitute Transportation
Towing Benefit
Available Terms for Used Vehicles Only -12 months / 12,000 miles - 24 months / 24,000 miles
36 months / 36,000 miles - 48 months / 48,000 miles
Vehicle Mileage up to 100,000

20. Integrity Automotive Protection
IAP
Integrity Automotive Protection
Essential Coverage:
Engine: Cylinder block, cylinder head(s) and all internal lubricated parts contained within the engine including: pistons, piston rings, connecting rod bearings, crankshaft, crankshaft main bearings, camshaft, camshaft bearings, cam followers, timing chain/belt, timing gears, guides, tensioners, rocker arms, rocker shafts, rocker bushings, cylinder head valves, valve guides, valve lifters, valve springs, valve seals, valve retainers, valve seats, push rods, water pump, oil pump, oil pump housing, harmonic balancer, oil pan, timing chain cover, intake and exhaust manifolds, valve covers, engine mounts, fuel pump, seals and gaskets, wrist pins, connecting rods, distributor drive gear, dip stick tube, balance shaft, balance shaft bearing, balance shaft busing, valve locks and oil pump pickup.
Transmission/Automatic or Standard: The internal components of the automatic transmission or manual transmission. Drive chain, drive chain gears, carrier bearings, internal transaxle seal. The manual transmission case and automatic transmission case and torque converter are covered, if damaged by the failure of internally lubricated parts. Flywheel/FlexPlate, vacuum modulator, electronic shift control unit, transmission cooler, transmission mounts, oil pan, seals and gaskets, shift linkage and shift bushing.
Transfer Case: Transfer case, drive chain, drive chain gears, planetary gears, shift rail forks, bearings, bushings, oil pump, output shaft, main shaft washers and all other internal lubricated parts, seals and gaskets.
Differential Assembly: (Front and Rear) Differential housing, axle shaft, ring and pinion, bearings, bushings , washers, differential cover and all other internal parts contained with the differential assembly with seals and gaskets.
Drive Axle: (Front and Rear) Drive Axle, constant velocity joints, center support bearings, drive shaft and universal joints.
Engine: Crankshaft and bearings, oil pump, internal timing gears, timing chain, camshaft, camshaft bearings, valve lifters, rocker arm assemblies and push rods, pistons and rings, writs pins, cylinders, connecting rods, distributor drive gear, all internal components of engine block and cylinder heads, if damage is caused by mechanical failure of an internally lubricated part. Gaskets and external seals will be covered if their replacement is necessary to complete an otherwise authorized repair. Cracked engine block, cylinder heads, and piston cylinders are not covered. Broken crankshaft is covered if break is caused by either bearings or piston failure. Valve guides are covered only when guide sleeves have not slipped below original position.
Powertrain:
Transmission/Transaxle: The internal components of the automatic transmission or manual transmission. Drive chain gears, carrier bearings, and internal transaxle seal. The manual transmission case and automatic transmission case and torque converter, transfer case, drive gears, forks, bearing thrust washer, bushing, washer, and housing are covered, if damaged by the failure of internally lubricated parts.
Differential Assembly Components (2&4 wheel drive): (Front & Rear) differential housing including pinion bearings, side carrier bearings, ring and pinion gears, carrier assembly, washers, axles and axle bearings.

21. ALL TERMS ADD ON MILEAGE
Coverage up to 5 years/100,000 miles on vehicles up to125,000 miles
Coverage up to 3 years/45,000 miles on vehicles up to 150,000 miles
Coverage up to 4 years/60,000 miles on vehicles up to 150,000 miles

24. Average Cost of Repairs
Vehicle repair costs are on the rise! Today’s technology is designed for increased performance and reliability, but the repair costs are accelerating as fast as the technology!  
Take a look at these average repair costs:
  Today’s Cost
Engine $4000
Transmission $3450
Electrical System $810
A/C System $1525
Fuel Systems $1225
Brakes $1250
Suspension $750
As you can clearly see, a single repair could easily exceed the total cost of a Vehicle Service Contract!!!
Consider this… breakdowns are unplanned. Many of our plans offer towing, rental, and trip interruption. These benefits are inclusive at no additional charge to the customer. These benefits offer “peace of mind” when your customer needs it most…
IAP
Integrity Automotive Protection

25. Fulfillment
Once the customer has selected their plan and payment option the sale is complete!
The fulfillment company will process the sale and send the customer a welcome packet which includes:
Welcome Letter
Coverage Booklet
Declaration Page showing coverage and terms selected
Payment Installment Contract (If applicable)

26. Integrity Automotive Protection
Declaration Page Provides:
Customer Information
Vehicle Information
Lienholder Information
Plan Information
Deductible Amount
Validation Period
IAP
Integrity Automotive Protection

27. Coverage Booklet Explains:
Plan Coverage & Benefits
Terms & Conditions
Claims Process
Cancellation information
State Disclosures

28. Today’s Market Concerns
The average age of a vehicle on the road today has almost doubled.
Some people could be on fixed income and may not have budgeted for a major or even minor vehicle repair.
Today’s average repair with both parts and labor could run $300-$500 per hour.
Today people are driving 15,000 – 20,000 miles per year.
People are financing for terms from months on their vehicles.

29. REASONS A CUSTOMER NEEDS TO BUY A VEHICLE SERVICE CONTRACT
Offers peace of mind.
Minimal cash outlay – no-fee payment plan available.
Ensure the quality of future repairs.
Repairs can be made when needed, not when you can afford them.
Rental car is provided during repairs.
Pays for towing. Prevents you or your family from being stranded.
Budget repair costs over time of ownership.
Protects against the rising cost of repairs – hedge against inflation.
Increased resale value
A used vehicle with no vehicle service contract is virtually un-sellable today.
Limits out of pocket expenses.
Good anywhere in the US and Canada.
Toll-free 800 for claims.
Today’s vehicles are too sophisticated to repair or even diagnose what the problem is. They require special tools, equipment, and training.
Unlimited number of claims can be filed.
Factory coverage only includes defects in parts and workmanship.
Protects you from being ripped off by unscrupulous repair facilities.
Purchasing a vehicle service contract is only pennies a day.

30. Customer Service Sample of Important Statistics
Average Speed to Answer - 30 Seconds or Less
Average Talk Time - 3 Minutes/Call
Average Time for Claim Approval
60% Approved in Under 3 Hours
80% Approved Same Day
Claim Payments
88% by Credit Card
12% by Check

31. Claims Administration
Calls recorded for quality assurance and issue resolution
Hours 8:00 a.m. to 8:00 p.m. (Mon –Fri EST)
Hours 9:00 a.m. to 4:00 p.m. (Sat EST)
Claims paid by major credit card
Standard Labor rate up to $85.00/hour PVP and $90.00/Hour IAP. Enhanced labor rate option available.
Labor times based on industry guides such as (Alldata, Motors, NAPA, Forte & Chilton)

32. CONTACT US Royal Administration Services, Inc. 51 Mill Street, Bldg. F
Hanover, MA 02339
By phone at
Visit us on the world wide web at:
Royal takes the work out of contract administration!

33. Royal Contacts 1-800-871-0467 Internal Sales Support 1-800-226-9197
Chris Amico
Janice Loud
Business Administration & Cancellations
Joanne Wisnaskas – Ext. 696
General Questions
Rich Holby – (847)
Claims
Bill Harris – Ext. 627
Supply Request

34. Thank You for your time