EMaC
EMaC is a UK-based automotive retention solutions provider administering service plans, maintenance plans, warranties, and consumer credit for 21 OEMs, 500+ dealer groups, and 1.9 million vehicle owners across the United Kingdom.
- Company typePrivate
- Founded1996
- HeadquartersCrewe, United Kingdom
- Headcount101–250
- GTM typeB2B
- OfferingServices
What EMaC does
EMaC Ltd is a Crewe-based automotive retention solutions provider operating exclusively in the United Kingdom. Founded in 2004, the company partners with 21 vehicle manufacturers and 500+ dealer groups to administer service plans, maintenance plans, warranty products, and consumer credit for 1.9 million live vehicle-owner customers. Its product suite covers scheduled servicing, extended warranties, tyre, brake, battery and alloy wheel coverage, MOTs, breakdown assistance, and interest-free consumer finance ('Drive Now, Pay Later' via Klarna), including white-label programmes such as Vauxhall Care and BMW Pay Monthly Service Plans.
Underpinning EMaC's offerings is a cloud-based service plan administration platform comprising three proprietary digital tools: AutoQuote (automated point-of-sale quotation), Self-Serve (a GForces NetDirector-powered consumer portal enabling 24/7 online plan purchases), and the Evolve Portal (dealer-facing Lifetime Warranty management). The platform integrates with the wider UK automotive technology stack, including epyx 1link Service Network, Digital INNK ViSN, Tjekvik kiosks, Keyloop DMS, cap hpi mileage data, and autoVHC, creating a connected ecosystem for warranty submission, approval, payment, and conversion at the dealer aftersales point.
EMaC generates revenue through recurring administration fees on subscription-based service and maintenance plans, transaction fees on warranty premiums, and merchant fees from consumer credit arrangements, supported by an enterprise sales motion delivered by a ~100-strong field-based Commercial Representative team. The company is a wholly-owned subsidiary of Innovation Group, which was acquired by Solvd Group — the Mobility line of business of Allianz Partners — in 2023, positioning EMaC within a global claims, repair and roadside assistance platform. EMaC facilitates an aggregated £280m of annual revenue into the UK dealer network through its retention solutions.
EMaC firmographics
Firmographics- Name
- EMaC
- Legal name
- EMaC Ltd
- Website
- http://www.emac.co.uk/
- Company type
- Private
- Founded year
- 1996
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- EMaC is a UK-based automotive retention solutions provider administering service plans, maintenance plans, warranties, and consumer credit for 21 OEMs, 500+ dealer groups, and 1.9 million vehicle owners across the United Kingdom.
- Ownership category
- akta.pro rank
EMaC industry classification
Industry- Product category
- Automotive Aftersales & Retention Services
- NAICS
- Insurance Carriers and Related Activities (524)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- OEM/Captive Warranty & Service Contract Programs (FSAJALAE)
Keywords
Where EMaC is headquartered
LocationHeadquarters
- HQ city
- Crewe
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
EMaC business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Others
Revenue model
- Service Plans Administration: EMaC administers service plans for vehicle manufacturers and dealerships, collecting Direct Debit instalments from customers and managing the servicing requirements of their vehicles. Revenue is generated through plan administration fees and per-transaction processing.
- Maintenance Plans: EMaC provides maintenance plans covering extended warranties, scheduled servicing, brakes, wipers, batteries, tyres, alloy wheels, SMART bodywork repairs, MoTs and breakdown assistance. Offered on subscription (monthly) or fixed-term payment basis.
- Drive Now, Pay Later (Consumer Finance): EMaC's consumer credit facility allows customers to pay for repairs and vehicle accessories interest-free in monthly instalments (up to 12 months). Partnered with Klarna for the underlying technology. Revenue generated through merchant/commercial arrangements.
- Warranty Products: EMaC's warranty range includes Lifetime Warranty (combining warranty, service plan and breakdown assistance in one bundle), extended vehicle warranties, and subscription warranty products. Revenue from warranty premiums and administration.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Vauxhall Care - petrol vehicles |
| Subscription | Monthly | Vauxhall Care - diesel vehicles |
| Subscription | Monthly | SsangYong Service Plans |
| Hybrid | Pay-as-you-go | Service Plan Payment Flexibility |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
EMaC product offering
Product offeringCore offering
EMaC administers automotive service plans, maintenance plans, warranty products (Lifetime Warranty, Subscription Warranty) and consumer credit (Drive Now, Pay Later) on behalf of vehicle manufacturers and dealer groups. The company collects recurring Direct Debit payments from 1.9 million consumers, processes repair and servicing claims through digital platforms (AutoQuote, Self-Serve, Evolve), and uses a 100-strong field-based Commercial Representative team to support dealers and OEMs across the UK.
Product overview
EMaC is an automotive retention solutions provider offering a unified platform of products designed to strengthen manufacturer and retailer relationships with vehicle owners. The core offering consists of Service Plans and Maintenance Plans, supplemented by warranty products (Lifetime Warranty, Subscription Warranty), consumer finance solutions (Drive Now, Pay Later), and technology platforms (Self-Serve, AutoQuote). These products work together to provide dealers with tools for customer retention, workshop utilization, and recurring revenue, while offering consumers flexible payment options and comprehensive vehicle coverage.
Differentiator
Problem solved
Functional benefit
Brands
- Drive Now, Pay Later: Consumer credit facility allowing customers to pay for repairs and vehicle accessories interest-free through monthly instalments, partnered with Klarna
- Lifetime Warranty
- Service Plans
- Maintenance Plans
Products and services
- Service Plans Vehicle service plan administration allowing car owners to spread servicing costs through monthly Direct Debit payments. Includes scheduled servicing, MOT and roadside assistance. Distributed to vehicle owners via OEM and dealer partners; provides predictable workshop revenue for dealers and OEMs.
- Maintenance Plans Comprehensive subscription maintenance coverage including extended warranties, scheduled servicing, brakes, wipers, batteries, tyres, alloy wheels, SMART bodywork repairs, MoTs and breakdown assistance. Offered monthly or as fixed-term payment.
- EMaC Lifetime Warranty Comprehensive warranty product combining warranty, service plan and breakdown assistance in one bundle payable by a single monthly Direct Debit instalment. Sold to vehicle owners via dealers.
- Subscription Warranty Warranty product combining breakdown assistance, service plan and warranty into a single monthly package.
- Drive Now, Pay Later Consumer credit facility enabling customers to pay for repairs, parts and MOTs over time with interest-free monthly instalments (up to 12 months), powered by Klarna. Available in-store at dealer points of sale.
- Self-Serve Facility Online consumer portal powered by GForces NetDirector allowing consumers to purchase service plans 24/7 through a five-step tailored quote journey embedded in dealer or OEM websites.
- AutoQuote Automated Service Plan quotation system that generates quotes at point of sale, alleviating dealer administration and enabling printed or emailed customer quotes.
- Vauxhall Care White-label national Service Plan programme for Vauxhall, £19/month petrol or £22/month diesel, covering three years servicing, two years roadside assistance and the first MOT.
- BMW & MINI Pay Monthly Service Plans White-label Pay Monthly Service Plan programme for BMW Group UK, providing flexible payment options for BMW and MINI customers.
- SsangYong Service Plans Pay monthly vehicle service plans for new and used SsangYong vehicles, available from £10.99/month. Cover the first three services, first MOT and two years RAC roadside recovery.
- EV Aftersales Care Packages Specialised aftersales care packages for electric vehicle owners, covering tyre and brake replacement to address faster wear associated with EV weight.
Companies that use EMaC
Customer profileNamed customers12 records
Segments3 records
Ideal customer profiles3 records
EMaC technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
Feature6 records
EMaC partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- Digital INNKcoreEMaC partnered with Digital INNK, selecting their ViSN platform to digitally manage and streamline motor repair approval processes. The platform provides fully digital, end-to-end workflow for submission, approval and payment of maintenance repair requests from franchised dealerships and independent service centres. Connects warranty providers, repairers and supply chain partners through a single digital ecosystem.
- TjekvikcoreEMaC integrated with Tjekvik, the digital aftersales self-service tech provider. Dealers with EMaC accounts and Tjekvik's self-service kiosks can now promote service and maintenance plans to customers checking in their vehicles for aftersales work. The integration recognises when a vehicle does not have a plan and prompts an offer to purchase.
- KeyloopcoreEMaC joined the Keyloop Partner Programme as an approved partner. Retailers selling EMaC service plans and using Keyloop's dealer management system (DMS) can benefit from the integration. This is the first phase of a new partnership announced in March 2025.
- epyxcoreEMaC partnered with epyx to digitally process motor warranty repair approvals using epyx's 1link Service Network e-commerce platform. The platform is used to submit, approve and pay repair requests made by dealerships and independent service centres. The platform manages over 4 million cars, vans and trucks.
- Solvd Group / Allianz PartnerscoreEMaC became an integrated part of Solvd Group following the acquisition and integration of its parent company (Innovation Group) in 2023. Solvd Group is a core asset of the Connected Platform strategy within the Mobility line of business of Allianz Partners. Within this model, Allianz Partners and Solvd combine roadside assistance and innovative mobility solutions with comprehensive claims and repair management expertise.
- GForcescoreEMaC's Self-Serve facility is powered by GForces NetDirector software, a leading provider of digital solutions and software trusted by the world's largest dealer groups, global vehicle manufacturers, and national sales companies. The platform enables consumers to purchase service plans 24/7 via dealer or OEM websites.
- KlarnacoreEMaC partnered with Klarna, a leading payments and consumer finance provider, to launch the 'Drive Now, Pay Later' programme. Klarna's technology enables EMaC dealers to offer customers interest-free consumer finance for repairs and vehicle accessories, with flexible monthly instalment plans up to twelve months. Klarna provides cutting-edge technology with easy credit application process and real-time decisioning.
- Innovation GroupcoreInnovation Group is EMaC's parent company. EMaC is a subsidiary of Innovation Group. In 2023, Innovation Group was acquired and integrated into Solvd Group (Allianz Partners), with EMaC becoming part of the Solvd Group structure.
- Eden Motor GroupcoreEden Motor Group partnered with EMaC and saw Service Plan sales increase by 60% in two years. The multi-franchised dealer group with 20 sites across South of the UK benefits from guaranteed service revenue of over £4 million per annum through the partnership.
- Kineholme GarageminorRenault dealer Kineholme Garage partnered with EMaC and achieved a 733% year-on-year increase in Service Plan related revenue through a bespoke Service Plan solution.
Scale indicators16 records
Recent moves7 records
Expansion highlights6 records
EMaC competitors and assessment
Company assessmentDirect peers
- Car Care Plan: UK-based automotive warranty and service plan administrator providing extended warranties, servicing plans, and GAP products to franchised dealers and OEMs. Most directly comparable to EMaC; EMaC's Business Development Director Chris Strong previously led field sales at Car Care Plan.
- AutoProtect: UK provider of extended warranties, GAP insurance, and service plans distributed through franchised and independent dealers. Operates a similar OEM/dealer-channel model with consumer finance integration.
- Warranty Solutions Group: UK-based administrator of extended vehicle warranties and service plans for OEMs, dealer groups, and fleets. Competes head-to-head with EMaC for OEM captive warranty programmes and dealer aftersales retention solutions.
- Zenith Warranty: UK automotive warranty administrator (part of Hedron Group) offering extended warranties and aftersales products through dealer networks. Comparable in scale and channel model to EMaC's warranty business.
- ALA Insurance: UK specialist insurer offering GAP insurance, extended warranties, and dealer aftersales products through franchised retailers. Overlaps with EMaC on warranty administration and dealer-channel distribution.
Broad incumbents
- Assurant: Global provider of extended service plans, warranty, and protection products across automotive and connected equipment. Operates at much larger scale and broader geographic footprint than EMaC, but competes for global OEM captive warranty programmes.
- MAPFRE Warranty: Global automotive warranty and extended service plan provider within MAPFRE's insurance group. Competes with EMaC for OEM and dealer warranty administration contracts across multiple European markets.
- Allianz Partners: Global mobility and assistance provider and parent entity of Solvd Group (which owns EMaC). Provides roadside assistance, warranty, and claims management worldwide; relevant as both parent and competitive incumbent for OEM relationships.
Emerging players
- Coplus (Aequum Group): UK provider of warranty, GAP, and aftersales products for motor dealers. Smaller scale than EMaC but competing on similar dealer-channel offerings with growing focus on digital self-service.
Others
- GForces: UK provider of digital retail and e-commerce solutions for automotive OEMs and dealer groups, whose NetDirector software powers EMaC's Self-Serve platform. Ecosystem technology partner rather than a competitor, but adjacent to EMaC's dealer-facing workflows.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
EMaC social profiles
Digital presenceEMaC compliance and trust
Trust signalCompliance2 records
EMaC financial estimates
Financial estimateRevenue estimate
Valuation estimate
EMaC leadership team
Management profileNumber of profiles
Profiles10 records
EMaC funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
EMaC M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about EMaC
What does EMaC do?
EMaC administers automotive service plans, maintenance plans, warranty products (Lifetime Warranty, Subscription Warranty) and consumer credit (Drive Now, Pay Later) on behalf of vehicle manufacturers and dealer groups. The company collects recurring Direct Debit payments from 1.9 million consumers, processes repair and servicing claims through digital platforms (AutoQuote, Self-Serve, Evolve), and uses a 100-strong field-based Commercial Representative team to support dealers and OEMs across the UK.
Is EMaC a public or private company?
EMaC is a private company. It is classified as corporate owned and is currently operating.
When was EMaC founded?
EMaC was founded in 1996. It employs 101 to 250 people.
Where is EMaC based?
EMaC is headquartered in Crewe, United Kingdom, in the Europe region.
How does EMaC make money?
Four revenue lines are on record. Service Plans Administration is the primary driver. The others are maintenance Plans, drive Now, Pay Later (Consumer Finance) and warranty Products.
Who are EMaC's main competitors?
Direct peers on record are Car Care Plan, AutoProtect, Warranty Solutions Group, Zenith Warranty and ALA Insurance. Broad incumbents are Assurant, MAPFRE Warranty and Allianz Partners. Coplus (Aequum Group) is listed as an emerging player. GForces is listed as an others.
Does EMaC have an API?
No public API is recorded for EMaC.
What industry is EMaC in?
EMaC's product category is Automotive Aftersales & Retention Services. Its primary akta.pro industry code is FSAJALAE, OEM/Captive Warranty & Service Contract Programs. Its NAICS code is 524 and its SIC code is 6141.