EMaC

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.

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

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

• Automotive service plans
• Vehicle warranty administration
• Consumer credit financing
• Dealer retention solutions
• Maintenance plan management

Headquarters

HQ city

Crewe

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Others

Revenue model

1. 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.
2. 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.
3. 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.
4. 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

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core 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.

Named customers12 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature6 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• Digital INNKcoreTechnology or Integration · 24 March 2026EMaC 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.
• TjekvikcoreTechnology or Integration · 23 April 2025EMaC 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.
• KeyloopcoreTechnology or Integration · 4 March 2025EMaC 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.
• epyxcoreTechnology or Integration · 9 March 2023EMaC 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 PartnerscoreStrategic or Co-development Partner · 1 January 2023EMaC 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.
• GForcescoreTechnology or Integration · 2 July 2018EMaC'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.
• KlarnacoreTechnology or Integration · 18 June 2018EMaC 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 GroupcoreOthers · 30 January 2018Innovation 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 GroupcoreChannel Partner/ Reseller/ Distributor · 1 January 2018Eden 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 GarageminorChannel Partner/ Reseller/ Distributor · 17 November 2017Renault 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

Direct 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

• Xtwitter.com/emac_uk
• LinkedInlinkedin.com/company/emac

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about EMaC