Vacation packages
Stays
Cars
Flights
Support
AARP Member Savings
My Trips
AARP.org
Join
Renew

Wyndham Virginia Beach Oceanfront

3.0 star property
Beachside hotel to enjoy indoor pool and sand beach

Choose dates to view prices

Photo gallery for Wyndham Virginia Beach Oceanfront

Lobby
In-room safe, iron/ironing board, rollaway beds, free WiFi
Bar (on property)
Exterior
Indoor pool, seasonal outdoor pool, sun loungers
Wyndham Virginia Beach Oceanfront is right on the beach with sun loungers and a garden for relaxation. Guests enjoy Regional cuisine at Surf Club Ocean Grille, in-room WiFi, and dry cleaning services. Visitors praise the dining experiences and attentive staff.

Reviews

7.6 out of 10
Good

Popular amenities

  • Bar
  • Room service
  • 24/7 front desk
  • Gym

Room options

Available filters for rooms
Showing 15 of 15 rooms

View all photos for Room, 2 Double Beds (Non-Oceanfront, Pet-Friendly)

In-room safe, iron/ironing board, rollaway beds, free WiFi

Room, 2 Double Beds (Non-Oceanfront, Pet-Friendly)

7.0 out of 10
Good
(50 reviews)

Highlights

Balcony or patio
Air conditioning
Connecting rooms available
Mini-fridge
Flat-screen TV
Eco-friendly toiletries
Hair dryer
Shower/tub combination
  • 26 sq m
  • Sleeps 4
  • 2 Double Beds

View all photos for Room, 1 King Bed (Non-Oceanfront, Pet-Friendly)

In-room safe, iron/ironing board, rollaway beds, free WiFi

Room, 1 King Bed (Non-Oceanfront, Pet-Friendly)

7.2 out of 10
Good
(9 reviews)

Highlights

Balcony or patio
Air conditioning
Connecting rooms available
Mini-fridge
Flat-screen TV
Eco-friendly toiletries
Hair dryer
Shower/tub combination
  • 26 sq m
  • Sleeps 2
  • 1 King Bed

View all photos for Room, 1 King Bed, Oceanfront

In-room safe, iron/ironing board, rollaway beds, free WiFi

Room, 1 King Bed, Oceanfront

8.0 out of 10
Very good
(92 reviews)

Highlights

Balcony or patio
Air conditioning
Connecting rooms available
Mini-fridge
Flat-screen TV
Eco-friendly toiletries
Hair dryer
Shower/tub combination
  • 28 sq m
  • Ocean view
  • Sleeps 2
  • 1 King Bed

View all photos for Room, 2 Queen Beds, Oceanfront

In-room safe, iron/ironing board, rollaway beds, free WiFi

Room, 2 Queen Beds, Oceanfront

8.0 out of 10
Very good
(133 reviews)

Highlights

Balcony or patio
Air conditioning
Connecting rooms available
Mini-fridge
Flat-screen TV
Eco-friendly toiletries
Hair dryer
Shower/tub combination
  • 28 sq m
  • Ocean view
  • Sleeps 4
  • 2 Queen Beds

View all photos for Room, 1 King Bed, Non Smoking, Jetted Tub (Coastal)

Room, 1 King Bed, Non Smoking, Jetted Tub (Coastal) | In-room safe, iron/ironing board, rollaway beds, free WiFi

Room, 1 King Bed, Non Smoking, Jetted Tub (Coastal)

Highlights

Balcony or patio
Air conditioning
Connecting rooms available
Mini-fridge
Flat-screen TV
Eco-friendly toiletries
Hair dryer
Shower/tub combination
  • 28 sq m
  • Partial ocean view
  • Sleeps 2
  • 1 King Bed

View all photos for Suite, 1 Bedroom, Non Smoking (Coastal)

In-room safe, iron/ironing board, rollaway beds, free WiFi

Suite, 1 Bedroom, Non Smoking (Coastal)

Highlights

Balcony or patio
Separate sitting area
Air conditioning
Connecting rooms available
Mini-fridge
Flat-screen TV
Separate bedroom
Sofa bed
  • 56 sq m
  • 1 bedroom
  • Partial ocean view
  • Sleeps 4
  • 1 King Bed

View all photos for Suite, 1 Bedroom, Non Smoking (Coastal, 2 Queen Beds)

In-room safe, iron/ironing board, rollaway beds, free WiFi

Suite, 1 Bedroom, Non Smoking (Coastal, 2 Queen Beds)

7.8 out of 10
Good
(10 reviews)

Highlights

Balcony or patio
Separate sitting area
Air conditioning
Connecting rooms available
Mini-fridge
Flat-screen TV
Separate bedroom
Sofa bed
  • 84 sq m
  • 1 bedroom
  • Partial ocean view
  • Sleeps 6
  • 2 Queen Beds

View all photos for Room, 1 King Bed, Accessible (Mobility)

In-room safe, iron/ironing board, rollaway beds, free WiFi

Room, 1 King Bed, Accessible (Mobility)

9.4 out of 10
Exceptional
(3 reviews)

Highlights

Balcony or patio
Air conditioning
Connecting rooms available
Mini-fridge
Flat-screen TV
Eco-friendly toiletries
Hair dryer
Shower/tub combination
  • 28 sq m
  • Partial ocean view
  • Sleeps 2
  • 1 King Bed

View all photos for Suite, 1 King Bed, Oceanfront (1st Floor)

In-room safe, iron/ironing board, rollaway beds, free WiFi

Suite, 1 King Bed, Oceanfront (1st Floor)

7.0 out of 10
Good
(2 reviews)

Highlights

Balcony or patio
Air conditioning
Connecting rooms available
Mini-fridge
Flat-screen TV
Sofa bed - queen
Eco-friendly toiletries
Hair dryer
  • Ocean view
  • Sleeps 4
  • 1 King Bed

View all photos for Suite, 2 Bedrooms (Coastal)

In-room safe, iron/ironing board, rollaway beds, free WiFi

Suite, 2 Bedrooms (Coastal)

7.6 out of 10
Good
(4 reviews)

Highlights

Balcony or patio
Separate sitting area
Air conditioning
Connecting rooms available
Mini-fridge
Flat-screen TV
2 bedrooms
Sofa bed
  • 2 bedrooms
  • Partial ocean view
  • Sleeps 8
  • 1 King Bed, 2 Queen Beds and 1 Double Sofa Bed

View all photos for Suite, 1 Bedroom, Oceanfront (Tower)

In-room safe, iron/ironing board, rollaway beds, free WiFi

Suite, 1 Bedroom, Oceanfront (Tower)

9.0 out of 10
Wonderful
(4 reviews)

Highlights

Balcony or patio
Air conditioning
Connecting rooms available
Mini-fridge
Flat-screen TV
Sofa bed - queen
Eco-friendly toiletries
Hair dryer
  • Ocean view
  • Sleeps 4
  • 1 King Bed

View all photos for Room, 2 Double Beds, Accessible, Non Smoking (Coastal)

In-room safe, iron/ironing board, rollaway beds, free WiFi

Room, 2 Double Beds, Accessible, Non Smoking (Coastal)

7.8 out of 10
Good
(10 reviews)

Highlights

Balcony or patio
Air conditioning
Connecting rooms available
Mini-fridge
Flat-screen TV
Eco-friendly toiletries
Hair dryer
Shower/tub combination
  • Sleeps 4
  • 2 Double Beds

View all photos for Room, 2 Queen Beds, Accessible, Oceanfront (Mobility)

In-room safe, iron/ironing board, rollaway beds, free WiFi

Room, 2 Queen Beds, Accessible, Oceanfront (Mobility)

7.8 out of 10
Good
(9 reviews)

Highlights

Balcony or patio
Air conditioning
Connecting rooms available
Mini-fridge
Flat-screen TV
Eco-friendly toiletries
Hair dryer
Shower/tub combination
  • Ocean view
  • Sleeps 4
  • 2 Queen Beds

View all photos for Suite, 1 Bedroom, Accessible (Coastal View)

In-room safe, iron/ironing board, rollaway beds, free WiFi

Suite, 1 Bedroom, Accessible (Coastal View)

7.0 out of 10
Good
(4 reviews)

Highlights

Balcony or patio
Air conditioning
Connecting rooms available
Mini-fridge
Flat-screen TV
Sofa bed - queen
Eco-friendly toiletries
Hair dryer
  • Partial ocean view
  • Sleeps 6
  • 2 Queen Beds

View all photos for Executive Studio Suite, 1 King Bed with Sofa bed, Oceanfront (Large Deluxe Room)

Executive Studio Suite, 1 King Bed with Sofa bed, Oceanfront (Large Deluxe Room) | In-room safe, iron/ironing board, rollaway beds, free WiFi

Executive Studio Suite, 1 King Bed with Sofa bed, Oceanfront (Large Deluxe Room)

Highlights

Balcony or patio
Air conditioning
Connecting rooms available
Mini-fridge
Flat-screen TV
Sofa bed - queen
Eco-friendly toiletries
Hair dryer
  • Ocean view
  • Sleeps 4
  • 1 King Bed and 1 Double Sofa Bed

You may also like

Ad
Indoor pool, seasonal outdoor pool

Embassy Suites by Hilton Virginia Beach Oceanfront Resort

Northeast Virginia Beach
  • Pool
  • Spa
  • Pet friendly
  • Free WiFi
9.2 out of 10, Wonderful, 445 reviews
Embassy Suites by Hilton Virginia Beach Oceanfront Resort

About the neighborhood

Map
5700 Atlantic Ave, Virginia Beach, VA, 23451

What's nearby

  • First Landing State Park - 9 min walk - 0.5 miles
  • Virginia Beach Boardwalk - 3 min drive - 1.3 miles
  • Pacific Avenue - 3 min drive - 1.3 miles
  • Neptune Statue - 4 min drive - 2.1 miles
  • Virginia Beach Convention Center - 6 min drive - 3.6 miles

Getting around

  • Virginia Beach Station - 5 min drive
  • Norfolk Intl. Airport (ORF) - 23 min drive

Restaurants

  • ‪Pocahontas Pancake House - ‬3 min drive
  • ‪Arbuckle’s - ‬2 min drive
  • ‪Lager Heads - ‬3 min drive
  • ‪Mellow Mushroom Virginia Beach - ‬3 min drive
  • ‪Orion’s Roof - ‬2 min drive

About this property

Wyndham Virginia Beach Oceanfront

Hotel near First Landing State Park
Consider a stay at Wyndham Virginia Beach Oceanfront and take advantage of a terrace, laundry facilities, and a bar. This hotel is a great place to bask in the sun with a beachfront location and beach volleyball. The on-site restaurant, Surf Club Ocean Grille, features Regional cuisine. In addition to a gym and a business center, guests can connect to free in-room WiFi, with speed of 50+ Mbps.
Additional perks include:
  • A seasonal outdoor pool and an indoor pool, along with sun loungers
  • Free self parking
  • Express check-out, meeting rooms, and a vending machine
  • Bicycle parking, a front-desk safe, and a 24-hour front desk
  • Guest reviews give top marks for the dining options, beach locale, and helpful staff
Room features
All 244 rooms have comforts such as air conditioning, as well as perks like free WiFi and safes. Guest reviews give good marks for the clean, comfortable rooms at the property.
Other conveniences in all rooms include:
  • Recycling, LED light bulbs, and eco-friendly cleaning products
  • Bathrooms with eco-friendly toiletries and shower/tub combinations
  • 32-inch flat-screen TVs with premium channels
  • Balconies or patios, mini fridges, and microwaves

Similar properties

On the beach, white sand, beach cabanas, sun loungers

Surfbreak Virginia Beach Oceanfront, an Ascend Collection Hotel

  • Pool
  • Parking included
  • Free WiFi
  • Restaurant
8.4 out of 10, Very Good, 1,164 reviews
Surfbreak Virginia Beach Oceanfront, an Ascend Collection Hotel

Property amenities

Internet

  • Available in all rooms: Free WiFi
  • In-room WiFi speed: 50+ Mbps
  • Available in some public areas: Free WiFi

Parking and transportation

  • Free covered self parking on site
  • Free RV/bus/truck parking on site
  • Wheelchair-accessible parking and van parking available
  • Onsite parking includes off-street options

Food and drink

  • A bar/lounge
  • A restaurant

Restaurants on site

  • Surf Club Ocean Grille

Things to do

  • Beach volleyball
  • Gym
  • Indoor pool
  • Seasonal outdoor pool
  • TV in common areas

Family friendly

  • In-room microwave
  • Indoor pool
  • Laundry facilities
  • Mini-fridge
  • Rollaway/extra bed (surcharge)
  • Seasonal outdoor pool

Conveniences

  • 24-hour front desk
  • ATM
  • Laundry facilities
  • Luggage storage
  • Safe at front desk
  • Shared microwave
  • Vending machine

Guest services

  • Change of bedsheets (on request)
  • Change of towels on request
  • Housekeeping (on request)
  • Wedding services

Business services

  • Business center
  • Computer station
  • Conference center (5,218 square feet of space)
  • Meeting rooms

Outdoors

  • On the beach
  • Outdoor furniture
  • Pool loungers
  • Terrace

Accessibility

  • If you have requests for specific accessibility needs, please contact the property using the information on the reservation confirmation received after booking.
  • 10 accessible parking spaces
  • Assistive listening devices
  • Braille/raised signage
  • Elevator (42 inch wide door)
  • Front entrance ramp
  • Lever door handles
  • Pool hoist on site
  • Well-lit path to entrance
  • Wheelchair accessible (may have limitations)
  • Wheelchair-accessible business center
  • Wheelchair-accessible lounge
  • Wheelchair-accessible parking
  • Wheelchair-accessible path of travel
  • Wheelchair-accessible path to elevator
  • Wheelchair-accessible public washroom
  • Wheelchair-accessible registration desk (34 inches high)
  • Wheelchair-accessible restaurant
  • Wheelchair-accessible van parking

More

  • 17 floors
  • At least 80% lighting from LEDs
  • At least 80% of food locally-sourced
  • Ballroom
  • Banquet hall
  • Local artist showcase
  • Local culture and ecosystem education
  • Locally-owned and organized tours and activities
  • Reception hall
  • Smoking not allowed
  • Vegetarian breakfast available
  • Vegetarian dining options

Room amenities

Bedroom

  • Bedsheets provided
  • Rollaway/extra bed (surcharge)

Bathroom

  • Hair dryer
  • Private bathroom
  • Shower/bathtub combination
  • Towels provided

Entertainment

  • 32-inch flat-screen TV with premium cable channels

Food and drink

  • Coffee/tea maker
  • Limited room service
  • Microwave
  • Mini-fridge

More

  • Air conditioning (climate-controlled)
  • Bulk dispensers for toiletries
  • Cleaning products are eco-friendly
  • Connecting rooms available
  • Eco-friendly toiletries
  • Energy-saving switches in guestrooms
  • Free local calls
  • Iron/ironing board
  • LED lighting
  • Phone
  • Recycling
  • Safe

Policies

Check-in

Check-in start time: 4:00 PM; Check-in end time: 6:00 AM
Contactless check-in available
Late check-in subject to availability
Minimum check-in age: 21

Check-out

Check-out before 11 AM
Contactless check-out available
Late check-out subject to availability
A late check-out fee will be charged
Express check-out available

Special check-in instructions

Front desk staff will greet guests on arrival at the property

Access methods

Staffed front desk

Pets

Pets allowed for an extra charge of USD 26.50 per pet, per night
Service animals are welcome, and are exempt from fees
Welcoming dogs only
2 total (up to 50 lbs per pet)
Pets cannot be left unattended
Specific rooms only, restrictions apply; pet-friendly rooms can be requested by contacting the property at the number on the booking confirmation

Children and extra beds

Children are welcome
Rollaway/extra beds are available for USD 10.0 per day
Cribs (infant beds) are not available

Property payment types

Important information

Fees

You'll be asked to pay the following charges at the property. Fees may include applicable taxes:

  • Resort fee: USD 7.42 per accommodation, per night

We have included all charges provided to us by the property.

Optional extras

  • Pet fee: USD 26.50 per pet, per night
  • Service animals are exempt from fees
  • Late check-out is available for a fee (subject to availability)
  • Rollaway bed fee: USD 10.0 per day

The above list may not be comprehensive. Fees and deposits may not include tax and are subject to change.

You need to know

Extra-person charges may apply and vary depending on property policy
Government-issued photo identification and a credit card, debit card, or cash deposit may be required at check-in for incidental charges
Special requests are subject to availability upon check-in and may incur additional charges; special requests cannot be guaranteed
Minimum Spring Break check-in age is 21 years old
This property accepts credit cards; cash is not accepted
Safety features at this property include a smoke detector
This property has outdoor spaces, such as balconies, patios, terraces which may not be suitable for children; if you have concerns, we recommend contacting the property prior to your arrival to confirm they can accommodate you in a suitable room
This property affirms that it follows the cleaning and disinfection practices of Count on Us (Wyndham)
Masks are required at the property for guests without COVID-19 vaccination
Please note that cultural norms and guest policies may differ by country and by property; the policies listed are provided by the property
This property has a strict no-smoking policy. Violators will be subject to penalties.

We should mention

The seasonal pool will be open from May to September
Only registered guests are allowed in the guestrooms
The property has connecting/adjoining rooms, which are subject to availability and can be requested by contacting the property using the number on the booking confirmation
A car is not required for transportation to and from this property

Property is also known as

Virginia Beach Wyndham
Wyndham Oceanfront
Wyndham Oceanfront Hotel
Wyndham Oceanfront Hotel Virginia Beach
Wyndham Oceanfront Virginia Beach
Wyndham Virginia Beach
Wyndham Virginia Beach Oceanfront
Wyndham Virginia Beach Oceanfront Hotel Virginia Beach
Wyndham Virginia Beach Oceanfront Hotel
Wyndham Virginia Oceanfront
Wyndham Virginia Beach Oceanfront Hotel
Wyndham Virginia Beach Oceanfront Virginia Beach
Wyndham Virginia Beach Oceanfront Hotel Virginia Beach

Frequently asked questions

Does Wyndham Virginia Beach Oceanfront have a pool?

Yes, this property has an indoor pool and a seasonal outdoor pool.

Is Wyndham Virginia Beach Oceanfront pet-friendly?

Yes, this hotel allows dogs (limit 2 total) with a maximum weight of up to 50 lbs per pet. There's a fee of USD 26.50 per pet, per night. Service animals are exempt from fees. Some restrictions may apply, so please contact the property for more details.

How much is parking at Wyndham Virginia Beach Oceanfront?

Self parking is free at this property.

What time is check-in at Wyndham Virginia Beach Oceanfront?

Check-in start time: 4:00 PM; Check-in end time: 6:00 AM. Late check-in is available during limited hours.

What time is check-out at Wyndham Virginia Beach Oceanfront?

Check-out is at 11 AM. Late check-out is available for a fee (subject to availability).

Where is Wyndham Virginia Beach Oceanfront located?

Nestled on the beach, this Northeast Virginia Beach hotel is 0.5 mi (0.8 km) from First Landing State Park and 1.2 mi (2 km) from Virginia Beach Boardwalk. Atlantic University and Edgar Cayce's Association for Research and Enlightenment are also within 15 minutes.

Have a question?

AI iconBeta

Get instant answers with AI powered search of property information and reviews.

Wyndham Virginia Beach Oceanfront Reviews

Reviews

7.6

Good

Rating 10 - Excellent. 695 out of 1743 reviews
Rating 8 - Good. 445 out of 1743 reviews
Rating 6 - Okay. 285 out of 1743 reviews
Rating 4 - Poor. 175 out of 1743 reviews
Rating 2 - Terrible. 143 out of 1743 reviews

7.4/10

Cleanliness

8.2/10

Staff & service

7.4/10

Amenities

7.0/10

Property conditions & facilities

7.6/10

Eco-friendliness

Reviews

10/10 Excellent

Christa

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Great stay for a mini getaway
Stayed 1 night in Oct 2025

10/10 Excellent

Donna

Liked: Cleanliness, staff & service, property conditions & facilities
An amazing place to stay right on the beach! I have stayed here many times before and certainly will again.
Stayed 2 nights in Sep 2025

10/10 Excellent

Eric

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Absolutely one of the best stays in VB highly recommend
Stayed 1 night in Sep 2025

10/10 Excellent

Anthony

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Love the restaurant, food was amazing and Guy our server was the best!!!
Stayed 4 nights in Sep 2025

8/10 Good

Norman

Liked: Cleanliness, staff & service, property conditions & facilities
Nicely placed on the beach, the surf and grill was a great place to eat and have cocktails
Stayed 2 nights in Sep 2025

8/10 Good

sherman

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Great ocean view. This property is in a quieter part of Va Beach.
Stayed 2 nights in Sep 2025

10/10 Excellent

Christopher

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
We love VB Wyndham! It’s got the best beach area and affordable ocean front rooms. Staff is great. Our pick when we come to VB.
Stayed 2 nights in Oct 2025

10/10 Excellent

Madeline

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Great stay!
Stayed 2 nights in Aug 2025

10/10 Excellent

Jouseth

Great view of the city
Stayed 3 nights in Oct 2025

10/10 Excellent

Natalie

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Shops were nearby and yes we had an amazing ocean view we love it
Stayed 3 nights in Sep 2025

10/10 Excellent

Jennifer

Liked: Cleanliness, staff & service, property conditions & facilities
My husband and I loved the whirlpool tub in our room! Our stay was wonderful will be booking again next year for our trip.
Stayed 5 nights in Sep 2025

10/10 Excellent

Eileen

Liked: Staff & service, property conditions & facilities
Yes! nice ocean view
Stayed 2 nights in Sep 2025

6/10 Okay

Liza

Very good location right next to the beach with ocean view from the room and pet friendly.
Stayed 1 night in Sep 2025

8/10 Good

Joseph

Liked: Cleanliness, staff & service, amenities
Place wasn’t a gold star hotel, but was worth while.
Stayed 6 nights in Sep 2025

10/10 Excellent

Sareeta

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
The staff was very pleasant and the facility is very clean.
Stayed 3 nights in Sep 2025

10/10 Excellent

Eric

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Great experience love North End
Stayed 1 night in Sep 2025

8/10 Good

Angela

Liked: Cleanliness, staff & service, property conditions & facilities
This was a surprisingly great visit
Stayed 2 nights in Sep 2025

10/10 Excellent

Dionne

Liked: Cleanliness, amenities, property conditions & facilities
It was a very enjoyable and my family loved it , we will be back!!!
Stayed 3 nights in Aug 2025

8/10 Good

Verne

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Nice to just walk straight to the beach
Stayed 2 nights in Sep 2025

8/10 Good

Eric

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Ocean view
Stayed 4 nights in Sep 2025

10/10 Excellent

Brian

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Ocean view
Stayed 3 nights in Sep 2025

8/10 Good

Willams

Liked: Cleanliness, staff & service, amenities
Love the area very nice
Stayed 4 nights in Aug 2025

10/10 Excellent

Kathy

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
quite location, and wide beaches the bed mattress needed to be firmer, it felt worn out
Stayed 3 nights in Sep 2025

6/10 Okay

Christa

Liked: Amenities
For the price of the room - it’s just ok
Stayed 2 nights in Aug 2025

10/10 Excellent

Linda

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Pool, bar, music, food, location
Stayed 1 night in Aug 2025

  • † More information about the $50 gift card with flight package benefit may be found at: https://www.expedia-aarp.com/lp/b/vacationpackages50prepaid

  • English Copyright 1995 – 2025. All rights reserved. Use of this Web site constitutes acceptance of the Expedia User Agreement and Privacy Policy. Expedia pays a royalty fee to AARP for the use of AARP’s intellectual property. These fees are used for the general purpose of AARP. All goods or services and discounts offered via the AARP® Travel Center powered by Expedia ®, are provided by third-party suppliers. AARP and its affiliates do not endorse and are not responsible for the goods or services and discounts made available on this site. Offers are subject to change and may have restrictions. Please contact the AARP® Travel Center powered by Expedia® directly for full details. AARP and its affiliates are not insurers.