Real Garant

What Real Garant does

Real Garant Versicherung AG is a German specialty insurance carrier and wholly owned subsidiary of Zurich Group Germany, focused exclusively on automotive warranty insurance and customer loyalty products. Founded in 1988 and headquartered in Denkendorf, Germany, the company underwrites warranty insurance for new and used vehicles, self-warranty programs, maintenance and service contracts, mobility guarantees, and adjacent products including motorcycle warranty (care4bike), tire warranty (Wheel Guarantee), and dealer legal-warranty risk coverage (Protection Plus). The company operates under supervision of the German Federal Financial Supervisory Authority (BAFin) with EU passporting rights enabling distribution across 33 European countries, supported by branch offices in 9 countries (Germany, Austria, Belgium, Spain, Italy, Switzerland, Hungary, the Netherlands, and France) and a network of 9,000+ dealer partners.

The company generates revenue primarily through recurring warranty insurance premiums, service and maintenance contracts, and self-warranty administration fees, with pricing structured per vehicle based on type, age, and coverage level rather than published tiers. Distribution follows a B2B2C model: an enterprise field sales force with regional directors engages car manufacturers and importers, while manufacturer endorsements (Porsche, BMW, Mercedes-Benz, Volkswagen, Audi, Jaguar Land Rover) channel demand through dealer networks. Technology infrastructure includes the proprietary Givit Warranty Management System (WMS) for partners and the care4mobility consumer mobile application for vehicle registration, document upload, and service tracking. Mobility guarantee services are delivered through partnerships with Europ Assistance (Germany, Austria), AXA Assistance (Belgium), and IMA (Spain, Italy), creating an integrated service stack rather than standalone insurance products.

Real Garant employs more than 280 staff across European countries and operates as part of Zurich Insurance Group's German operations, benefiting from parent-company capital, regulatory standing, and reinsurance capacity. The management board comprises Lutz Kortlücke (Chairman), Florian Rohkamm (Chief Distribution Officer), Michael Reuter, and Gabriel Gallinger (Chief Underwriting Officer, joined September 2025), with ongoing leadership renewal signaling continued investment in distribution and underwriting capability. The company has no disclosed AI/ML capabilities, patents, or proprietary data analytics products, operating as a traditional specialty insurer whose competitive position rests on distribution depth, regulatory licensing, OEM relationships, and operational scale across European markets.

Name

Real Garant

Legal name

Real Garant Versicherung AG

Website

https://realgarant.com

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

51–100 employees

Short description

Real Garant Versicherung AG is a German specialty insurer and Zurich Group subsidiary underwriting automotive warranty insurance, self-warranty, mobility guarantees, and maintenance products through 9,000+ dealer partners across 33 European countries.

Ownership category

akta.pro rank

Product category

Automotive Warranty Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Insurance Carriers, Nec (6399)

akta.pro primary industry

Dealer-Sold & F&I Administered Service Contracts (Dealer Obligors) (FSAJALAD)

akta.pro secondary industries

Auto Ancillary Warranties (Tire & Wheel, Paintless Dent, Key/Remote, Windshield) (FSAJALAB), OEM/Captive Warranty & Service Contract Programs (FSAJALAE), Vehicle Protection & Add-on Product Financing (Warranties, GAP, Service Plans) (FSAKADAL)

Keywords

• Warranty insurance services
• Automotive guarantee insurance
• Extended warranty products
• Mobility guarantee coverage
• Customer loyalty programs

Headquarters

HQ city

Denkendorf

HQ country

Germany

HQ region

Europe

Offices9 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Warranty Insurance Premiums: Core revenue from underwriting warranty insurance policies for automotive dealers and manufacturers. Policies cover new and used vehicles with various coverage terms.
2. Service and Maintenance Contracts: Revenue from maintenance and service contracts sold alongside warranty products, particularly in Austrian market.
3. Self-Warranty Products: Dealers self-insure warranty obligations with Real Garant providing administrative support and reinsurance.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Real Garant underwrites and administers warranty insurance products for the automotive industry, selling through car dealerships, manufacturers and importers. Core offerings include warranty insurance for new and used vehicles, self-warranty programs (where dealers self-insure with Real Garant providing administrative support and reinsurance), maintenance/service contracts, mobility guarantee coverage, and extended/specialty warranty products such as Cars+5, Protection Plus (legal warranty risk), care4bike (motorcycle warranty) and Wheel Guarantee (tire warranty). The company serves 9,000+ dealer partners across 33 European countries under German BAFin insurance supervision.

Product overview

Real Garant is a customer loyalty specialist for the automotive industry offering a comprehensive suite of warranty and service products. The core offerings include warranty insurance for new and used vehicles, self-warranty options, and maintenance contracts. These are complemented by the Mobility Guarantee for mobility protection, with the care4mobility app serving as the digital platform for customer engagement. Specialized products include Cars+5 for extended warranty coverage, Protection Plus for legal warranty risk reduction, care4bike for motorcycle coverage, Wheel Guarantee for tires, and compit for customer retention programs. The company distributes through car dealerships and OEM partnerships, serving 33 European countries with over 9,000 partners.

Differentiator

Problem solved

Functional benefit

Brands

• care4mobility: Mobile application for customer loyalty services
• care4bike
• Cars+5
• compit
• Protection Plus
• Givit WMS

Products and services

• Warranty Insurance Core warranty insurance product for new and used vehicles, providing protection against defects and mechanical failures. Underwritten by Real Garant and sold through car dealerships across 33 European countries.
• Self-Warranty Allows dealerships to self-insure their warranty obligations while Real Garant provides administrative support and reinsurance backing. Sold to dealers seeking to retain premium risk.
• Maintenance Contracts Maintenance and service contracts covering regular vehicle servicing and upkeep, sold alongside warranty products particularly in the Austrian market.
• Mobility Guarantee Insurance coverage providing mobility protection, offered through partner assistance companies: Europ Assistance (Germany, Austria), AXA Assistance (Belgium), IMA IBÉRICA (Spain), IMA Assistance Italia (Italy), and Europ Assistance Holding Irish Branch (Austria).
• care4mobility App In-house customer loyalty mobile application enabling vehicle owners to access services, upload vehicle registration data, manage favorites and track services in real time.
• Cars+5 Extended warranty product providing coverage beyond the standard manufacturer warranty period.
• compit Warranty product offering within the Real Garant portfolio for customer retention programs at dealerships.
• Protection Plus Insurance product that protects dealerships against legal warranty risks for 12 months from vehicle sale, covering repair costs and lawyer, court, and expert fees.
• care4bike Motorcycle Warranty Motorcycle warranty insurance covering new and used motorcycles up to 12 years or 80,000 km, including quads, scooters, and electric vehicles, with optional motorcycle helmet coverage.
• Wheel Guarantee (Reifengarantie) Tire warranty insurance covering tire-related damages and replacement costs.

Named customers7 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

16 partnerships are on record, tiered strategic, key account, regional, core and minor.

• GocarstrategicGTM or Marketing Partner · 5 June 2025Strategic partnership with Belgium's second-largest online automotive platform. Real Garant positioned as preferential warranty provider for dealers connected to Gocar's platform with 50,000+ vehicles listed.
• Jaguar Land Rover Norwaykey accountStrategic or Co-development Partner · 7 July 2023Warranty cooperation covering Approved warranty for used car program and extended warranty option. The partnership currently includes 14 countries with AutoConcept providing sales and claims handling support.
• Car Protection Service (CPS)regionalChannel Partner/ Reseller/ Distributor · 22 April 2022Local partner in France for warranty services. Real Garant started operations in France in October 2021 with CPS as local partner.
• Europ Assistance GermanycoreStrategic or Co-development Partner · 24 February 2022Europ Assistance transferred its vehicle warranty portfolio to Real Garant, strengthening a 10-year partnership. Europ Assistance is now exclusive provider of Real Garant mobility services in Germany.
• Europ Assistance Versicherungs AGcoreStrategic or Co-development Partner · 24 February 2022Mobility guarantee partner in Germany. Europ Assistance focuses on core automotive business including Europe-wide processing of mobility services.
• AXA Assistance BeneluxregionalOthersMobility guarantee insurance partner for Belgium market through AXA Assistance Benelux.
• IMA IBÉRICAregionalOthersMobility guarantee insurance partner for Spain market.
• IMA ASSISTANCE ITALIA S.p.A.regionalOthersMobility guarantee insurance partner for Italy market.
• Europ Assistance Holding Irish BranchregionalOthersMobility guarantee insurance partner for Austrian market.
• AutoConceptregionalImplementation/ SI/ Consulting PartnerPartner providing sales, claims and contract handling support for Jaguar Land Rover Norway warranty cooperation.
• Kinderglück FoundationminorOthersChristmas donation recipient in Germany supporting disadvantaged children through school satchel campaigns and holiday programmes.
• bednetminorOthersBelgian charity ensuring sick children can actively participate in lessons via live connection. Christmas donation recipient.
• Azienda Ospedaliero-Universitaria MeyerminorOthersChildren's hospital in Italy known for diagnostic skills and rehabilitation. Christmas donation recipient.
• Aladina FoundationminorOthersSpanish foundation supporting children with cancer and their families with psychological support and exercise programs. Christmas donation recipient.
• Motol Children's HospitalminorOthersChildren's hospital in Prague supported by CEE region donations. Christmas donation recipient.
• bhz StuttgartminorOthersInstitution employing disabled people for storage and organization of shipping of advertising materials and printed matter.

Scale indicators5 records

Recent moves9 records

Expansion highlights5 records

Broad incumbents

• Assurant Solutions: Assurant is a global provider of extended service contracts, including automotive dealer-sold warranties and protection products across Europe and the Americas. It is a broad incumbent competitor with significant scale advantages over Real Garant in warranty administration.
• Allianz Automotive: Allianz Automotive is part of Allianz Group, offering motor insurance, dealer warranty solutions, and automotive financial services globally. It overlaps with Real Garant in dealer-sold warranty and automotive protection products but as part of a much larger multi-line insurer with broader geographic reach.
• MAPFRE Warranty: MAPFRE Warranty is the warranty and specialty lines division of MAPFRE, a major global insurance group. It offers extended warranty and service contract products through European dealer networks, providing broad-competitor overlap with Real Garant but as part of a much larger multi-line insurance carrier.

Others

• Europ Assistance: Europ Assistance is a global assistance and insurance provider that previously operated a vehicle warranty portfolio transferred to Real Garant in 2022. It remains Real Garant's exclusive mobility services partner in Germany, making it a partner-ecosystem peer with overlapping automotive warranty capabilities.
• AXA Assistance: AXA Assistance is Real Garant's mobility guarantee partner in Belgium and offers automotive assistance and warranty-adjacent products globally. It is an ecosystem peer through the partnership relationship, with adjacent capabilities in mobility and automotive protection.

Direct peers

• Opteven: Opteven is a European specialist in automotive and mobility warranty products, selling through dealer and manufacturer channels across multiple countries. It directly competes with Real Garant in dealer-sold extended warranty and service contracts in overlapping European markets.
• The Warranty Group (TWG): The Warranty Group provides automotive and consumer extended warranty products through dealer, manufacturer, and financial institution channels. It competes with Real Garant in European dealer-sold service contract and mechanical breakdown insurance markets.
• Warranty Solutions Group (AmTrust): Warranty Solutions Group provides automotive, consumer product, and specialty warranty administration globally, including dealer-sold service contracts in Europe. It is a direct competitor in the dealer-administered warranty administration and underwriting space.
• CarGarantie: CarGarantie is a German automotive warranty specialist selling dealer-administered and F&I service contracts across multiple European markets. It is the closest direct competitor to Real Garant in Germany and Europe, with comparable B2B2C distribution through dealer networks.

Emerging players

• Volkswagen Financial Services: Volkswagen Financial Services is the captive financial services and insurance arm of the Volkswagen Group, offering dealer-sold warranty and protection products across the VW brand network. It represents the OEM captive model that competes with Real Garant's third-party warranty offerings within the same dealer relationships.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCBxEU7nvO-PAdckXW_k8Iow
• LinkedInlinkedin.com/company/realgarant

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

Subsidiaries9 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 Real Garant