AutoProtect

What AutoProtect does

AutoProtect (legal entity AutoProtect (MBI) Limited) is a UK-authorised insurance intermediary and warranty provider that supplies value-added protection products to vehicle manufacturers, franchised and independent dealer groups, and affinity partners across the UK, Europe and other global markets. The company operates the Customer Protect sub-brand, which serves over 3,000 UK dealerships with obligor warranty products, and the Shine! sub-brand, which provides BSI Kitemark-certified mobile cosmetic repairs. Its product portfolio includes mechanical breakdown and extended warranty, GAP insurance, SMART minor-damage insurance, wheel and tyre protection, paint protection (including Ceramic Coat and MotoGP variants), cosmetic maintenance plans (Shine! Protect), breakdown recovery and premium funding via Premium Credit.

The company is built on three proprietary technology assets: AutoProcess, a dealer and manufacturer platform for policy set-up, demands-and-needs capture, e-signature, and reporting, with bi-weekly feature roll-outs and multi-lingual/multi-skin branding; iProcess, a web-based repairer portal launching in April 2026 to replace the legacy iClaim system with end-to-end repair tracking and self-billing; and customer-facing mobile applications for claims submission and cosmetic repair booking. AutoProtect also operates DigitalPlus, a B2B2C digital sales channel that combines online and contact-centre support to extend VAP sales beyond the showroom for higher-volume dealers.

AutoProtect Group was formed in 2019 through the combination of AutoProtect, DealTrak (F&I software), iComply (compliance consultancy, divested to Automotive Compliance in July 2025) and Shine!. The group is privately held by Correlation Risk Partners and headquartered in Harlow, Essex. Revenue is generated primarily through recurring subscription-style premiums on warranty, SMART, wheel/tyre, cosmetic maintenance and breakdown products, supplemented by transaction fees on warranty transfers and cancellations, premium funding facilitation, and managed-services revenue from DigitalPlus. Distribution is led by an enterprise field-sales team with regional business development managers and dedicated strategic account management for manufacturers and affinity partners.

Name

AutoProtect

Legal name

AutoProtect (MBI) Limited

Website

https://autoprotect.co.uk

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

251–500 employees

Short description

AutoProtect is a UK-authorised provider of value-added insurance products and warranties (warranty, GAP, SMART, wheel/tyre, paint protection, cosmetic maintenance) distributed to vehicle manufacturers, franchised and independent dealers, and affinity partners across the UK and Europe.

Ownership category

akta.pro rank

Product category

Automotive value-added insurance and warranties

akta.pro primary industry

Vehicle Protection & Add-on Product Financing (Warranties, GAP, Service Plans) (FSAKADAL)

Keywords

• Automotive insurance products
• Vehicle warranty services
• Dealer value-added products
• Mechanical breakdown insurance
• GAP insurance

Headquarters

HQ city

Harlow

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Warranty Products: AutoProtect supplies extended warranty and mechanical breakdown insurance products for cars, vans, recreational vehicles, and motorbikes. These products provide protection against mechanical breakdown or electrical failure of included components, including cost of parts, labour and VAT.
2. GAP Insurance: Guaranteed Asset Protection insurance that covers the gap between vehicle market value and outstanding finance in the event of total loss.
3. SMART Insurance: Insurance covering minor damage repairs using Small to Medium Area Repair Technology (SMART) techniques for chips, dents, scuffs and scratches. No excess payable, repairs arranged at customer's convenience.
4. Wheel and Tyre Insurance: Protection products for alloy wheels and tyres covering damage repair or replacement.
5. Paint Protection: Ceramic Coat and Synthetic Coat products providing paint protection for vehicles, including MotoGP-branded premium option.
6. Shine! Maintenance Plans: Cosmetic maintenance plans including Shine! Protect and Shine! Protect Alloy, providing repairs for minor damage through mobile technicians. Customers receive 7 repairs per year across 1, 2 or 3 year plans.
7. Premium Funding: Premium funding facility allowing customers to spread insurance premium costs over multiple months at no extra cost, through partnership with Premium Credit.
8. Breakdown Recovery: Recovery assistance services providing financial contribution to roadside recovery costs and ongoing transport/accommodation assistance.
9. DigitalPlus Services: B2B2C digital channel service extending dealer sales reach through digital and contact centre support, generating revenue for dealers selling 200+ cars per month.

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels6 records

Core offering

AutoProtect supplies value-added insurance products and warranties — extended mechanical breakdown warranty, GAP insurance, SMART minor-damage insurance, paint protection, wheel and tyre cover, breakdown recovery and Shine! cosmetic maintenance plans — to vehicle manufacturers and retailers. Products are sold and serviced through franchised and independent dealers, manufacturer (OEM) partnerships, affinity partners and a B2B2C digital channel (DigitalPlus), supported by the proprietary AutoProcess dealer platform, iProcess repairer portal, customer-facing claims app and a BSI-Kitemarked mobile cosmetic repair network.

Product overview

AutoProtect operates as a value-added insurance products and warranties provider for the automotive retail sector. The portfolio is organized around core protection products (warranties, GAP, SMART Insurance, paint protection, wheel protection) supplemented by service offerings (breakdown recovery, premium funding) and technology platforms (AutoProcess for dealer policy management, iProcess for repairer claims). Sub-brands include Customer Protect (obligor warranties) and Shine! Protect (cosmetic maintenance plans), while DigitalPlus extends sales reach through digital B2B2C channels. Products are distributed through franchised and non-franchised dealers, manufacturers, and affinity partners across the UK and Europe.

Differentiator

Problem solved

Functional benefit

Brands

• Customer Protect: Obligor warranties sold through UK dealerships, providing simple, efficient and transparent warranties to over 3,000 UK dealerships.
• Shine!
• SMART Insurance
• DigitalPlus
• iProcess
• AutoProcess

Products and services

• Warranty / Mechanical Breakdown Insurance Extended vehicle warranty covering mechanical breakdown and electrical failure for cars, vans, recreational vehicles, and motorbikes, including cost of parts, labour and VAT, distributed through dealers and brokers.
• Guaranteed Asset Protection (GAP) Insurance Insurance that covers the gap between a vehicle's market value and the outstanding finance balance in the event of a total loss.
• SMART Insurance Minor-damage insurance covering chips, dents, light scuffs and scratches repaired using Small to Medium Area Repair Technology, with no excess payable and repairs arranged at the customer's convenience.
• Paint Protection Paint protection products including Ceramic Coat, Synthetic Coat, and a MotoGP-branded premium option providing vehicle exterior preservation.
• Wheel Protection Insurance covering alloy wheels, tyres, and complete wheel against damage, including alloy and tyre-only variants.
• Shine! Protect cosmetic maintenance plan Cosmetic maintenance plan providing 7 repairs per year for minor damage (dents up to 30cm, scratches, scuffs, chips up to 5mm) performed by mobile Shine! technicians at the customer's location.
• Breakdown Recovery Roadside recovery assistance providing financial contribution to roadside recovery costs and ongoing transport and accommodation assistance.
• Premium Funding Premium-funding facility enabling customers to spread insurance premium costs over multiple monthly Direct Debit payments at no extra cost, delivered via partnership with Premium Credit.
• DigitalPlus B2B2C digital sales channel combining online sales with contact centre support to extend dealers' warranty, extended warranty, SMART Insurance and GAP Insurance sales reach beyond the showroom.
• Customer Protect Obligor warranty sub-brand offering simple, transparent warranties through UK dealerships, with product variants (Core, Essential, Superior, Absolute, Electric, Supercar, Classic, Hybrid, Commercial, Motorhome, Motorbike, Taxi) plus MOT Test Guarantee.
• AutoProcess dealer/manufacturer platform Web-based platform that enables dealers and manufacturers to set up, manage and report on policy sales, with a reporting suite, demands-and-needs module, online signature signing and multi-skin branding, with bi-weekly feature roll-outs.
• iProcess repairer portal Web-based repairer portal enabling repairers to log repairs on behalf of AutoProtect policyholders, upload supporting documents and diagnostic information, track repair progress end-to-end, and access self-billing and payment tracking.

Quantifiable outcome

• Over 3,000 UK dealerships served through Customer Protect brand
• +4 more outcomes

Named customers8 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature4 records

Partnerships

Six partnerships are on record, tiered flagship and core.

• Group 1 Automotive UKflagshipStrategic or Co-development Partner · 17 September 2025AutoProtect's largest ever partnership, building on relationship dating back to 2015. Now collaborating with all Group 1 Automotive's retailers to deliver GAP, SMART, Tyre and Alloy Wheel insurance across all UK stores. Includes extensive training programme developed by strategic account management team.
• Automotive CompliancecoreStrategic or Co-development Partner · 31 July 2025Strategic partnership transferred iComply compliance consultancy arm and AutoProtect's Appointed Representative network to Automotive Compliance. Automotive Compliance brings 18 years of dealer compliance specialism. Same people, systems, and processes maintained for first 12 months.
• Premium CreditcoreStrategic or Co-development PartnerNumber one Premium Finance Company in UK and Ireland provides finance allowing customers to spread insurance premium costs over monthly Direct Debit payments. Finance team liaises with Premium Credit to support customers experiencing financial difficulty.
• Halfords AutocentrescoreChannel Partner/ Reseller/ DistributorPreferred tyre repair outlet with direct liaison for quick claims processing. Halfords logs claims on behalf of AutoProtect policyholders and specialist reviews evidence to make claims decisions.
• National TyrescoreChannel Partner/ Reseller/ DistributorPreferred tyre repair partner alongside Halfords Autocentres. AutoProtect liaises directly with National Tyres to process claims quickly and effectively.
• Shine! (Mobile Repair Network)coreTechnology or IntegrationIn-house mobile cosmetic repair service for Shine! Protect maintenance plans. Holds BSI Kitemark for Vehicle Damage Repair (BS10125). Completed over 50,000 repairs in 2020 with Contact Free Repair Process.

Scale indicators8 records

Recent moves8 records

Expansion highlights5 records

Emerging players

• Cuvva: UK mobile-first motor InsurTech using a usage-based model and embedded distribution; an emerging player targeting adjacent insurance budgets to VAP with a digital-first proposition that could expand into warranty-related products.
• Bumper: UK fintech offering embedded 'paylater' finance for vehicle repairs and servicing, often sold at dealerships; competes for a slice of the dealer point-of-sale wallet historically dominated by VAP players like AutoProtect.

Broad incumbents

• The AA: Major UK motoring services brand providing breakdown, insurance and warranty/VAP products directly and through dealers; overlaps with AutoProtect on breakdown recovery, warranty and add-on insurance but within a much broader consumer motoring portfolio.
• Kwik Fit: Largest UK automotive service and repair chain; distributes warranty, tyre and add-on products through its service centre network — competes with AutoProtect for warranty attach at the point of vehicle service, though with a physical-service-led model.
• Assurant: Global provider of lifestyle and protection products including vehicle service contracts, mobile device and connected-living protection; competes with AutoProtect in automotive VAP/warranty but operates a much broader, multi-geography portfolio.
• RAC: UK roadside assistance and motoring services company that distributes extended warranty and add-on insurance products alongside breakdown cover; comparable product overlap on warranty/VAP with a much larger service-led footprint.

Direct peers

• Car Care Plan: UK warranty administration and add-on product provider serving franchised manufacturers and dealer groups, supplying extended warranty and asset-protection products that overlap with AutoProtect's warranty, GAP and VAP portfolio.
• Warrantywise: UK used-car warranty specialist selling mechanical breakdown cover through dealers and direct channels; comparable in product (extended warranty/insurance) and customer (UK private car buyers via dealer point-of-sale).
• Autoguard Warranties: UK provider of extended vehicle warranties and dealer add-on products distributed via the franchised and independent dealer network — overlap with AutoProtect in warranty administration, dealer-channel GTM and mechanical breakdown cover.
• Mapfre Warranty: Warranty division of the Mapfre insurance group operating across Europe including the UK; offers extended warranties and dealer solutions comparable to AutoProtect's UK warranty and add-on book.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/autoprotect
• LinkedInlinkedin.com/company/autoprotect

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries4 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 AutoProtect