Who charges it
- Imposed by
- the dealer, as an optional product
- Legal status
- Optional — never required to buy the car or get the loan
- Negotiable?
- Yes — typically removable from the order
- Attention level
- high
Dealer add-ons
Fabric Protection
A spray-on stain treatment, sometimes paired with a contractual stain-damage warranty.
Negotiable: Yes — typically removable from the order
Benchmark range
$50–$200
typical $100
Standalone retail value of the treatment
- Carlarity operator benchmark (starting hypotheses from the 2026-09-07 brief, cross-checked against dealer F&I menus) — F&I ancillary product starting ranges (secondary source, accessed 2026-09-07)
The report pre-fills $399 for this line as a catalog starting point you can overwrite; it is not a market benchmark.
Why it matters
The physical treatment is inexpensive and available at retail. Most of the price is for a stain warranty whose claim conditions should be read before you rely on it.
What to ask at the desk
“Please remove the interior protection charge, or show the warranty's claim conditions and exclusions.”
What Carlarity evaluates
- Classifies the line as interior / fabric / leather protection from its name and aliases, and a low, fixed-value item.
- Compares the quoted amount with the benchmark range above and states any potential excess as a range, never a point estimate.
- Checks the order for a second line covering the same thing.
- Keeps government, manufacturer and lender charges out of the negotiable total by construction.
Reading this page
Legal and expensive are two different questions. An optional product can be entirely legitimate and still cost more on the buyer’s order than the same coverage elsewhere; a low-value item can be fairly priced. This page tells you what the product is, who is charging for it and what a fair range looks like. Your report judges your actual quote against that range, as part of the whole deal.
Benchmarks are market ranges from the sources cited, not exact prices, verified 2026-09-07. Nothing on this page is legal or financial advice. The product’s contract terms decide its value on your deal.