CarGarantie
CarGarantie is a German specialty insurer, founded in 1974 and regulated by BaFin, that underwrites extended vehicle warranty and customer loyalty programs for over 40 automotive manufacturers and approximately 23,000 dealerships across 21 European countries via the CGWEBline and CGClaimsWeb partner platforms.
- Company typePrivate
- Founded1974
- HeadquartersFreiburg Im Breisgau, Germany
- Headcount251–500
- GTM typeB2B
- OfferingServices
What CarGarantie does
CarGarantie (legal entity: CG Car-Garantie Versicherungs-Aktiengesellschaft) is a German specialty insurer founded in 1974 that underwrites extended vehicle warranty and customer loyalty programs for the European automotive retail market. The company is supervised by BaFin as a Versicherungs-AG and operates exclusively as a B2B intermediary, distributing warranty products through more than 40 vehicle manufacturers and importers and approximately 23,000 qualified car dealerships across 21 European countries. Revenue is generated through warranty insurance premiums and service fees embedded in dealer contracts, with risk partially ceded to reinsurers.
The product portfolio centers on customizable warranty models (Garantiemodelle) covering new vehicles, used vehicles, and motorcycles, with a specialized high-voltage battery coverage module for electric vehicles — exemplified by the 2026 Volvo partnership extending battery protection up to the 11th year of vehicle life. Operational delivery relies on two proprietary digital platforms: CGWEBline, a partner-facing portal for warranty issuance and contract administration, and CGClaimsWeb, a claims processing system accessible to dealers. Multi-country warranty portability and country-specific sales infrastructure (national sales directors and district managers) enable cross-border distribution without direct-to-consumer sales.
The go-to-market is sales-led and three-tiered: direct dealer relationships, manufacturer/importer partnerships that effectively resell CarGarantie products through branded networks, and automotive dealer cooperatives (e.g., the April 2026 TECHNO – DIE AUTOHAUS-KOOPERATION partnership). The company is headquartered in Freiburg im Breisgau with a regional branch in Vienna and a service presence in Belgium/Luxembourg, and operates through two wholly-owned subsidiaries, CAR-GARANTIE GMBH and GSG Garantie-Service GmbH. Revenue and headcount are not publicly disclosed.
CarGarantie firmographics
Firmographics- Name
- CarGarantie
- Legal name
- CG Car-Garantie Versicherungs-Aktiengesellschaft
- Website
- https://cargarantie.com
- Company type
- Private
- Founded year
- 1974
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- CarGarantie is a German specialty insurer, founded in 1974 and regulated by BaFin, that underwrites extended vehicle warranty and customer loyalty programs for over 40 automotive manufacturers and approximately 23,000 dealerships across 21 European countries via the CGWEBline and CGClaimsWeb partner platforms.
- Ownership category
- akta.pro rank
CarGarantie industry classification
Industry- Product category
- Automotive Warranty Insurance
- akta.pro primary industry
- Vehicle Extended Warranty (VSC) & Mechanical Breakdown Insurance (MBI) (FSAJALAA)
- akta.pro secondary industries
- Dealer-Sold & F&I Administered Service Contracts (Dealer Obligors) (FSAJALAD), Powertrain & Component-Specific Vehicle Warranty Programs (FSAJALAK), Auto Ancillary Warranties (Tire & Wheel, Paintless Dent, Key/Remote, Windshield) (FSAJALAB)
Keywords
Where CarGarantie is headquartered
LocationHeadquarters
- HQ city
- Freiburg Im Breisgau
- HQ country
- Germany
- HQ region
- Europe
Offices3 records
Markets served
CarGarantie business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Operations, Personnel, Technology or R&D, Marketing or Sales
Revenue model
- Warranty/Extended Guarantee Insurance Premiums: CarGarantie underwrites vehicle warranty insurance products for automotive dealerships and manufacturers. The company acts as a specialty insurer (Versicherungs-AG), insuring warranties issued by dealers. Premium revenue is generated from warranty contracts sold alongside vehicle purchases. The company also cedes reinsurance risk to reinsurers.
- Dealer and Distributor Services: Services provided to automotive dealers including warranty program administration, claims processing, and customer loyalty program management. Revenue is generated through service fees embedded in warranty contracts with dealer networks.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Warranty products are sold through dealer partnerships; individual pricing is not publicly listed. |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
CarGarantie product offering
Product offeringCore offering
CarGarantie is a specialty insurer (Versicherungs-AG) that underwrites vehicle warranty insurance products for new cars, used cars, and motorcycles, distributed exclusively through authorised automotive dealerships and manufacturer/importer partners across Europe. The company also administers customer loyalty programs and provides digital platforms (CGWEBline, CGClaimsWeb) for warranty issuance and claims processing. Revenue is generated through warranty premiums and service fees embedded in dealer contracts.
Product overview
CarGarantie is a warranty and customer retention specialist offering a comprehensive portfolio of insurance-backed vehicle warranties. The product suite centers on customizable warranty models (Garantiemodelle) for new cars, used cars, and motorcycles, supported by the CGWEBline and CGClaimsWeb partner platforms for claims management and dealer administration. Additional services include high-voltage battery coverage for electric vehicles and customer retention programs. The company operates primarily B2B, serving over 40 manufacturers/importers and approximately 23,000 car dealerships across Europe.
Differentiator
Problem solved
Functional benefit
Products and services
- Used Car Warranty (Gebrauchtwagen-Garantie) Warranty coverage for used vehicles protecting against unexpected repair costs, offered as customizable models for dealership partners and sold to end customers at the point of sale.
- New Car Warranty (Neuwagen-Garantie) Extended warranty coverage for new vehicles, providing comprehensive protection beyond manufacturer warranties through authorised dealer partners.
- Motorcycle Warranty Specialized warranty products for motorcycles covering repair costs and mechanical failures, offered through motorcycle manufacturer and dealer networks across Europe.
- Warranty Models (Garantiemodelle) Customizable warranty models designed to meet various customer requirements and coverage levels for dealer partners, forming the core product framework for CarGarantie's warranty offerings.
- High-Voltage Battery Coverage Specialized warranty coverage for electric vehicle high-voltage batteries, extending protection up to the 11th year of vehicle life through manufacturer partnerships.
- CGWEBline (Partner Portal) Partner-facing online portal for warranty issuance, management, and administration. Dealers use this platform to issue and manage vehicle warranties issued to end customers.
- CGClaimsWeb Claims processing portal accessible to partners for reporting and tracking warranty claims submitted against issued warranty contracts.
- Customer Retention Programs (Kundenbindungs-Programme) Customer loyalty and retention programs designed to strengthen long-term relationships between dealerships and their customers, going beyond pure warranty insurance administration.
Quantifiable outcome
- Best Brands 2026: #1 in Used Car Guarantees category, confirming leading market position
- +2 more outcomes
Companies that use CarGarantie
Customer profileNamed customers35 records
Segments4 records
Ideal customer profiles3 records
CarGarantie technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
CarGarantie partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- VolvocoreVolvo and CarGarantie integrated high-voltage battery coverage into their joint warranty offerings. The partnership provides warranty coverage for high-voltage batteries up to the 11th year of the vehicle's life, demonstrating a forward-looking approach to EV warranty coverage in the automotive sector.
- TECHNO – DIE AUTOHAUS-KOOPERATIONcoreTECHNO – DIE AUTOHAUS-KOOPERATION, an automotive dealer cooperation group, expanded its partner network by partnering with CarGarantie in April 2026. The partnership integrates CarGarantie's warranty products across TECHNO's member dealer network, providing standardized warranty coverage for the group's dealerships.
Scale indicators5 records
Recent moves5 records
Expansion highlights5 records
CarGarantie competitors and assessment
Company assessmentBroad incumbents
- Assurant: US-headquartered global provider of extended warranty and protection products with European automotive exposure; competes for OEM warranty programs but operates a more diversified portfolio than CarGarantie's specialist model.
- AXA: European insurance heavyweight with automotive warranty and dealer insurance offerings; broader portfolio incumbent overlapping with CarGarantie in extended warranty distribution.
- Zurich Insurance Group: Major European insurer with automotive warranty and dealer-finance insurance capabilities; competes on warranty distribution but as one product line within a much broader insurance portfolio.
- Allianz: Global insurer offering automotive warranty and dealer insurance products as part of a broader P&C portfolio; competes with CarGarantie for OEM warranty partnerships but does not specialize exclusively in dealer warranty.
- MAPFRE: Large Spanish-led insurance group with European automotive warranty and dealer insurance products; broad incumbent competing for OEM warranty relationships across Spain and broader European markets.
Direct peers
- Warranty Solutions Group: Netherlands-based automotive warranty administrator serving European OEMs and dealer groups; overlaps directly with CarGarantie's mechanical breakdown and extended warranty offering.
- Car Care Plan: UK-headquartered automotive warranty provider administering extended warranty products across multiple European markets; competes for the same OEM and dealer relationships as CarGarantie.
- Real Garant Versicherungs AG: German specialty warranty insurer for automotive dealers, with pan-European coverage and manufacturer partnerships — the closest direct comparable to CarGarantie's core warranty insurance product and dealer channel model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
CarGarantie social profiles
Digital presenceCarGarantie financial estimates
Financial estimateRevenue estimate
Valuation estimate
CarGarantie leadership team
Management profileNumber of profiles
Profiles10 records
CarGarantie subsidiaries and ownership
Company hierarchySubsidiaries2 records
CarGarantie funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CarGarantie 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 CarGarantie
What does CarGarantie do?
CarGarantie is a specialty insurer (Versicherungs-AG) that underwrites vehicle warranty insurance products for new cars, used cars, and motorcycles, distributed exclusively through authorised automotive dealerships and manufacturer/importer partners across Europe. The company also administers customer loyalty programs and provides digital platforms (CGWEBline, CGClaimsWeb) for warranty issuance and claims processing. Revenue is generated through warranty premiums and service fees embedded in dealer contracts.
Is CarGarantie a public or private company?
CarGarantie is a private company. It is classified as unknown and is currently operating.
When was CarGarantie founded?
CarGarantie was founded in 1974. It employs 251 to 500 people.
Where is CarGarantie based?
CarGarantie is headquartered in Freiburg Im Breisgau, Germany, in the Europe region.
How does CarGarantie make money?
Two revenue lines are on record. Warranty/Extended Guarantee Insurance Premiums are the primary driver. The others are dealer and Distributor Services.
Who are CarGarantie's main competitors?
Broad incumbents on record are Assurant, AXA, Zurich Insurance Group, Allianz and MAPFRE. Direct peers are Warranty Solutions Group, Car Care Plan and Real Garant Versicherungs AG.
Does CarGarantie have an API?
No public API is recorded for CarGarantie.
What industry is CarGarantie in?
CarGarantie's product category is Automotive Warranty Insurance. Its primary akta.pro industry code is FSAJALAA, Vehicle Extended Warranty (VSC) & Mechanical Breakdown Insurance (MBI), with a secondary code of FSAJALAD, Dealer-Sold & F&I Administered Service Contracts (Dealer Obligors).