Reviewing what you already have
Many dealers already participate in reinsurance but have never seen a clear review of how their program performs. A useful review looks at loss ratios by product, the full fee load, reserve movement, and how the structure fits current goals. Without that view, it is hard to know whether a disappointing result comes from claims, fees, product mix, or structure.
The quiet mistakes
The most common problems are treating the program as static, not understanding loss ratios, including the wrong products, accepting opaque reporting, and never benchmarking against alternatives. None of these are dramatic on their own. Together, over years, they are what separate strong programs from underperforming ones.