Société Française de Garantie

What Société Française de Garantie does

Société Française de Garantie (SFG) is a French specialty insurance broker and warranty administrator founded in 1993 and headquartered in Rousset, France. The company sells extended warranty contracts and affinity insurance products covering household appliances (ProtectHome), smartphones (ProtectPhone), bicycles and e-bikes (ProtectBike Vélos and ProtectBike Batterie) and electric micro-mobility devices (Trott'n Co). Its wholly-owned subsidiary SFG Services, created in December 2021, operates an in-house technician network executing roughly 350,000 home repair interventions per year across 13 French cities at fixed diagnostic fees of €119 (large appliances) and €129 (televisions), with QualiRépar-certified rebates applied automatically.

The business operates a hybrid B2B/B2C distribution model. The consumer-facing channel is the sfg.fr website, which supports online policy purchase, repair booking, SEPA direct-debit collection, document management and a self-repair guidance tool; behind the scenes sits a CRM and repair-scheduling platform integrated with Piwik PRO analytics and SIRH Eurecia HRIS. The B2B channel comprises more than 100 commercial partners — hypermarkets, supermarkets, specialized electronics/DIY retailers, kitchen retailers, e-commerce platforms, manufacturers, insurers, banks and brokers — through which SFG embeds warranty extensions at point of sale. Insurance products are underwritten by Wertgarantie SE (Hannover), the German market leader in appliance insurance active in 7 European countries, of which SFG has been a subsidiary since 2013; SFG itself is registered as an Orias broker (n° 20005554).

Revenue mechanics split across (i) recurring subscription insurance premiums collected monthly or annually, (ii) one-off extended warranty contract sales (approximately 900,000 per year), (iii) transactional home repair fees and parts quotes via SFG Services, and (iv) brokerage commissions on Wertgarantie-underwritten policies. The company is also certified Qualiopi (SFG Academy training), QualiRépar and Green IT, signaling alignment with French right-to-repair, vocational-training and digital-sustainability regulation. Operating geographies cover metropolitan France (including DOM-TOM), Belgium and Luxembourg.

Name

Société Française de Garantie

Legal name

SOCIÉTÉ FRANÇAISE DE GARANTIE

Website

https://sfg.fr

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

101–250 employees

Short description

Société Française de Garantie (SFG) is a French Orias-registered insurance broker and warranty administrator — a Wertgarantie SE subsidiary — that sells extended warranty and affinity insurance products (appliances, phones, bicycles, e-mobility) and delivers in-home appliance repairs nationwide through its 100% owned SFG Services technician network.

Ownership category

akta.pro rank

Product category

Extended Warranty and Appliance Repair Services

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

OEM/Captive Warranty & Service Contract Programs (FSAJALAE)

akta.pro secondary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

Keywords

• Extended warranty services
• Appliance insurance products
• Home appliance repair
• Device protection plans
• Affinity insurance brokerage

Headquarters

HQ city

Rousset

HQ country

France

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Supply Chain, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Premiums: SFG generates recurring revenue through affinity insurance products covering appliances, phones, bikes, and mobility devices. Premiums are collected monthly or annually via SEPA direct debit or credit card. The company acts as an insurance broker registered with Orias.
2. Extended Warranty Contracts: Sale of warranty extension contracts to distributors and directly to consumers, providing coverage beyond manufacturer warranties. Approximately 900,000 extensions sold annually.
3. Home Repair Services: SFG Services subsidiary provides at-home repair services with diagnostic fees (119€ for large appliances, 129€ for televisions) plus additional repair costs via custom quotes. Repair services benefit from QualiRépar bonus deductions.
4. Brokerage Commissions: As an Orias-registered insurance broker (n° 20005554), SFG earns commissions on insurance products underwritten through its parent company WERTGARANTIE SE.

Pricing tiers

Go-to-market motion4 records

Distribution channels8 records

Marketing channels6 records

Core offering

Société Française de Garantie (SFG) is an Orias-registered insurance broker and warranty program administrator operating primarily in France. The company distributes extended warranty contracts and affinity insurance products (covering household appliances, smartphones, bicycles, e-bike batteries, and electric mobility devices) through retail, manufacturer, and financial-services partners, and delivers at-home appliance repair services through its wholly-owned subsidiary SFG Services.

Product overview

Société Française de Garantie (SFG) operates as a multi-product platform offering affinity insurance products and repair services. The core offering consists of insurance products (ProtectHome, ProtectPhone, ProtectBike Vélos, ProtectBike Batterie, Trott'n Co) that protect household appliances, phones, bicycles, and electric mobility devices against breakdowns, damage, and theft. Supporting these products, SFG Services provides home repair services with fixed diagnostic fees and optional personalized repair quotes, while the Auto-réparation platform enables self-repair. SFG Academy provides internal training certified Qualiopi. The company is a subsidiary of German group Wertgarantie and serves the French market alongside presence in Belgium and Luxembourg.

Differentiator

Problem solved

Functional benefit

Brands

• SFG Services: Wholly-owned subsidiary of SFG providing home repair services for household appliances, televisions, and multimedia products, with technicians operating across France.
• SFG Academy
• ProtectPhone
• ProtectHome
• ProtectBike Vélos
• ProtectBike Batterie
• Trott'n Co

Products and services

• ProtectHome Subscription insurance product protecting all household appliances against breakdown, oxidation, and accidental breakage, covering devices up to 8 years old and up to 10,000 EUR in value. Sold as GEM (large appliances only at 11.99 EUR/month) or Foyer (all household devices at 21.99 EUR/month) tiers.
• ProtectPhone Phone insurance protecting smartphones against daily accidents, wear, theft, and unlimited repairs. Available in Uno (one phone, 4.99-13.99 EUR/month), Duo (two phones, 16.99-24.99 EUR/month), and Famille (up to five phones, 18.99-39.99 EUR/month) plans for devices up to 36 months old and valued up to 3,000 EUR.
• ProtectBike Vélos Bicycle insurance covering new or used bikes (muscle and electric-assist up to 25 km/h) up to 36 months old and valued under 15,000 EUR, with optional assistance (2 EUR/month) and competition coverage (6.99 EUR/month). Premiums from 4 EUR/month for new bikes and 15 EUR/month for used bikes.
• ProtectBike Batterie Electric bike battery insurance at a flat rate of 5 EUR per month, covering replacement or repair of the battery and/or charger for any e-bike battery up to 15,000 EUR in value, with no deductible and 1 claim per year.
• Trott'n Co Insurance for electric scooters (NVEI/NVE), gyropodes, hoverboards, and gyroroues, covering damage, theft, and electronic failures for devices under 1,500 EUR and 6 months old. Premiums from 5 EUR/month to 9 EUR/month with a 12-month commitment.
• Réparation à domicile (SFG Services) Home repair service delivered by SFG Services technicians diagnosing and repairing large appliances and televisions at customer homes across 13 major French cities. Diagnostic fees of 119 EUR TTC for large appliances and 129 EUR TTC for televisions, with optional personalized quotes for parts replacement. Benefits from QualiRépar label providing consumer repair bonuses of 10 EUR to 60 EUR.
• Auto-réparation Self-repair guidance service allowing customers to diagnose and repair their own appliances through guided step-by-step instructions, by selecting product type and brand to access troubleshooting procedures.
• SFG Academy Professional training academy (Qualiopi-certified) offering courses in customer relations, appliance pre-diagnosis, technical repair, team management, electrical certification, and technician posture, sold to professional training participants.

Quantifiable outcome

• 92% call answer rate
• +4 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• SFG ServicescoreStrategic or Co-development Partner100% owned subsidiary created in December 2021 providing home repair services. Operates a nationwide network of technicians covering 13 major French cities. Benefits from QualiRépar certification enabling consumer repair bonuses. Includes 200 technicians and support staff.
• Draw Your FightminorOthersCharitable patronage partnership supporting the Draw Your Fight initiative as part of SFG's societal commitment and RSE activities.
• ESAT (Établissement et Service d'Aide par le Travail)minorOthersSFG purchases supplies from ESAT, a sheltered work establishment, as part of its inclusive employment and social responsibility commitments.

Scale indicators12 records

Recent moves9 records

Expansion highlights6 records

Emerging players

• Bumper: UK-based digital warranty and device-finance provider for mobile phones, electronics and cars. Comparable in mobile and consumer-electronics warranty offerings with a more digital-native distribution model than SFG.
• Bolttech: Singapore-headquartered emerging platform for embedded warranty and device-protection insurance across Asian and European markets. Comparable in product set (appliance, mobile, e-mobility protection) with a digital-first distribution model.

Direct peers

• HomeServe France: French arm of UK-listed HomeServe, providing home emergency repair and warranty subscription services. Directly comparable home repair + insurance subscription model and geographic overlap.
• Mutuaide Assistance: French assistance and insurance services provider (Groupama subsidiary) covering home, mobility and device protection. Comparable in offering repair/assistance-backed insurance products in the French market.
• SPB: French affinity insurance and warranty broker serving retail and e-commerce partners with extended warranty and protection products. Highly comparable to SFG's broker-led affinity warranty model for consumer devices.
• Garantie Privée: French extended-warranty specialist providing protection plans for consumer electronics, household appliances and multimedia products distributed via retail and e-commerce. Closely comparable warranty-only business model.
• Indexia Group: French insurance broker group (including Doméo, Cocoon, Serenis) selling extended warranty, mobile and home insurance products through retail and digital channels. Directly comparable insurance brokerage and warranty-extension model.
• Wertgarantie SE: German appliance and equipment insurance specialist operating across 7 European countries; the parent company and underwriter of SFG. Comparable product set (appliance, bike, mobile warranties) and structural model.

Broad incumbents

• AXA Assistance France: French arm of AXA's global assistance business providing device protection, home assistance and warranty products. Operates across the same customer verticals as SFG but within a much larger insurance group.
• Allianz Partners France: European leader in assistance, warranty and affinity insurance including mobile, appliance, and travel protection. Offers overlapping warranty products through retail and partner channels but as part of a much broader portfolio.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

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 Société Française de Garantie