CarGarantie

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.

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

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

• Extended vehicle warranty
• Dealer warranty insurance
• Customer loyalty programs
• Warranty claims processing
• Automotive guarantee specialist

Headquarters

HQ city

Freiburg Im Breisgau

HQ country

Germany

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. 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.
2. 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

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core 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

Named customers35 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• VolvocoreStrategic or Co-development Partner · 1 May 2026Volvo 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-KOOPERATIONcoreChannel Partner/ Reseller/ Distributor · 1 April 2026TECHNO – 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

Broad 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

• LinkedInlinkedin.com/company/cg-cargarantie-versicherungs-ag

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries2 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 CarGarantie