Icare
Icare, a 100% subsidiary of BNP Paribas Cardif, designs and distributes white-label and branded mechanical warranty, maintenance, and roadside-assistance products — supported by proprietary MyIcare, Mobicar, and Webicare digital platforms — to European automotive OEMs, dealers, and financial institutions across 8 countries.
- Company typePrivate
- Founded1983
- HeadquartersBoulogne-billancourt, France
- Headcount101–250
- GTM typeB2B
- OfferingServices
What Icare does
Icare is a France-headquartered, 100%-owned subsidiary of BNP Paribas Cardif that designs and distributes personalized warranty, maintenance, and roadside-assistance solutions for the European automotive industry. Founded in 1983 and employing ~190 staff across Boulogne-Billancourt (general management, finance, sales, HR) and Le Mans (operations), with additional technical and customer-service presence in Porto (Portugal), the company has positioned itself over four decades as a specialist reference for mechanical breakdown warranty and maintenance contracts.
Its product portfolio spans four insurance solutions — Dealer Warranty (Garantie Panne Mécanique), Extended Warranty, Maintenance and Repair contracts (in three tiers: Service Plan, Full Maintenance, and Maintenance + Warranty), and Roadside Assistance — offered either white-label (partner-branded) or under the Icare brand. These products are complemented by a proprietary digital ecosystem comprising MyIcare (24/7 distributor portal for quote creation, contract management, and claims tracking), Mobicar (white-label customer portal and mobile app), and Webicare (customizable KPI reporting dashboard).
The business operates a B2B2C distribution model: Icare sells to automotive OEMs, distribution groups, and financial institutions (notably a 2022 JV with Volkswagen Financial Services, a 2025 partnership with Stellantis Financial Services for the used-vehicle market, and a 2026 partnership with Habit/Volvo Car Portugal), which in turn offer the warranty/maintenance products through their dealer networks. Revenue is generated through recurring subscription premiums (single or monthly), with underwriting backed by the regulated ICARE ASSURANCE entity and the capital capacity of BNP Paribas Cardif. Since 2016, Icare has served as the international centre of expertise for BNP Paribas Cardif subsidiaries worldwide for mechanical breakdown warranty and maintenance businesses, currently managing an active book of ~800,000 contracts across 8 European countries.
Icare firmographics
Firmographics- Name
- Icare
- Legal name
- ICARE
- Website
- https://icare-service.com
- Company type
- Private
- Founded year
- 1983
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Icare, a 100% subsidiary of BNP Paribas Cardif, designs and distributes white-label and branded mechanical warranty, maintenance, and roadside-assistance products — supported by proprietary MyIcare, Mobicar, and Webicare digital platforms — to European automotive OEMs, dealers, and financial institutions across 8 countries.
- Ownership category
- akta.pro rank
Icare industry classification
Industry- Product category
- Automotive Warranty and Maintenance Services
- akta.pro primary industry
- OEM/Captive Warranty & Service Contract Programs (FSAJALAE)
- akta.pro secondary industries
- Dealer-Sold & F&I Administered Service Contracts (Dealer Obligors) (FSAJALAD), Vehicle Protection & Add-on Product Financing (Warranties, GAP, Service Plans) (FSAKADAL)
Keywords
Where Icare is headquartered
LocationHeadquarters
- HQ city
- Boulogne-billancourt
- HQ country
- France
- HQ region
- Europe
Offices7 records
Markets served
Icare business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Mechanical Breakdown Warranty Premiums: Icare generates revenue through insurance premiums charged for mechanical breakdown warranty coverage. Products include Dealer Warranty, Extended Warranty, and Warranty Panne Mécanique offered to automotive manufacturers, distributors, and financial institutions. Premiums can be paid as single payment or monthly installments.
- Maintenance Contracts: Revenue from maintenance contracts covering scheduled vehicle maintenance, including Service Plan, Full Maintenance, and Maintenance and Warranty products. Offered in three variants depending on vehicle age, covering routine maintenance, wear and tear parts, and comprehensive coverage.
- Roadside Assistance Services: Assistance services offered as option or inclusion with warranty/maintenance contracts, providing vehicle and personal assistance, replacement vehicles, repatriation, and accommodation coverage.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Extended Warranty - Customized to vehicle age, mileage, duration, and coverage level |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels5 records
Icare product offering
Product offeringCore offering
Icare designs and administers personalized warranty, maintenance, assistance, and ancillary services for automotive professionals. Its portfolio includes dealer warranty, extended warranty, maintenance and repair contracts, and roadside assistance, distributed in white-label or Icare brand to car manufacturers, distribution groups, and financial institutions across Europe. The company complements these insurance products with proprietary digital platforms (MyIcare, Mobicar, Webicare) that manage contract subscriptions, claims, and reporting.
Product overview
Icare offers a portfolio of vehicle warranty and maintenance products available in white-label or Icare brand, consisting of four core insurance products (Dealer Warranty, Extended Warranty, Maintenance and Repair contracts, and Roadside Assistance) complemented by three digital service platforms (MyIcare distributor portal, Mobicar customer portal, and Webicare reporting tool). The products can be offered stand-alone or combined, and are designed for car manufacturers, distribution groups, and financial institutions across European markets.
Differentiator
Problem solved
Functional benefit
Brands
- MyIcare: Portal for automotive professionals to manage contracts, create quotes and track coverage requests
- Mobicar
- Webicare
Products and services
- Dealer Warranty (Garantie Panne Mécanique) Commercial warranty proposed by dealers when selling new or used vehicles, covering repair costs for mechanical breakdowns according to contract terms and conditions. Covers vehicles up to 15 years or 250,000 km, with warranty duration from 3 to 36 months.
- Extended Warranty (Extension de Garantie) Extends the car manufacturer or dealer warranty, covering repair costs (spare parts and labor) for mechanical, electronic, or electrical breakdowns. Available for vehicles up to 10 years and 200,000 km, with coverage duration from 6 to 72 months.
- Maintenance and Repair Contract (Contrat d'Entretien et Réparation) Comprehensive contract covering routine vehicle maintenance, repairs, and roadside assistance. Includes three product tiers: Service Plan (light maintenance), Maintenance (full maintenance with wear and tear parts), and Maintenance and Warranty (combining maintenance with mechanical breakdown coverage).
- Roadside Assistance (Assistance) Vehicle and personal assistance services offered as an option or included in warranty or maintenance contracts. Covers all vehicle types including electric vehicles, providing breakdown recovery, replacement vehicles, and mobility solutions.
- MyIcare Distributor Portal Dedicated digital portal for automotive professionals enabling contract subscription, quote creation, contract management, and claims request processing. Accessible 24/7 with customizable branding for dealer networks.
- Mobicar Customer Portal Customer-facing portal and mobile application enabling policyholders to access contract information, track claims, manage personal data, and process cancellations. Available as white-label for partner branding.
- Webicare Reporting Tool Daily reporting dashboard providing dealers with real-time visibility into key performance indicators for warranty and maintenance products. Features customizable views, comparisons, and graphical analytics.
Quantifiable outcome
- 800,000 contracts in stock
- +5 more outcomes
Companies that use Icare
Customer profileNamed customers8 records
Ideal customer profiles4 records
Icare technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Icare partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- HabitcoreHabit and Icare joined forces to provide car insurance solutions in Portugal, launching a partnership with Volvo Car Portugal to offer insurance products through Volvo's distribution network.
- Volvo Car PortugalminorThrough the partnership with Habit, Volvo Car Portugal offers car insurance solutions including warranty products to its customers in Portugal.
- Stellantis Financial ServicescoreNew partnership between Stellantis Financial Services and BNP Paribas Cardif to support the development of the used vehicle market. Icare serves as the specialized subsidiary handling the warranty and maintenance components.
- Volkswagen Financial ServicescoreVolkswagen Financial Services created a joint venture with Icare SA, a BNP Paribas Cardif subsidiary, to develop long-term vehicle leasing activities in Europe, particularly fleet vehicles. The joint venture is based in France.
Scale indicators7 records
Recent moves7 records
Expansion highlights6 records
Icare competitors and assessment
Company assessmentDirect peers
- Warranty Solutions Group: Specialist automotive warranty administrator operating in European markets, offering dealer-sold and OEM-branded mechanical breakdown and maintenance products. Closely comparable business model and customer base to Icare.
- MAPFRE Warranty: Extended warranty and assistance arm of MAPFRE, one of Europe's largest insurers. Competes head-to-head with Icare in mechanical breakdown warranty and roadside assistance distribution to European automotive partners.
- European Warranty Group: European-focused mechanical breakdown insurance and warranty provider serving manufacturers, importers, and dealer groups. Direct competitor to Icare in dealer-sold and OEM-embedded warranty programmes.
- Easycare (Easycare Warranty Services): Provider of vehicle service contracts, extended warranties, and maintenance plans distributed through dealer and OEM channels. Comparable to Icare in product mix (dealer warranty, extended warranty, maintenance) and B2B2C white-label distribution.
- Car Care Plan: UK-based automotive warranty and service plan administrator owned by Allianz Partners. Directly comparable to Icare as a B2B2C warranty administrator serving OEMs, dealers, and financial institutions across European markets with similar white-label distribution.
Others
- Volkswagen Financial Services: Icare's JV partner and captive finance arm of the Volkswagen Group. Included as a peer because VWFS's bundled warranty/leasing offerings increasingly overlap with Icare's product set in the fleet leasing market.
- Stellantis Financial Services: Captive finance arm of Stellantis and recent partner of Icare/BPC for used-vehicle market development. Relevant as both customer and emerging distributor of competing in-house warranty products.
Emerging players
- AXA Assistance: Global assistance arm of AXA offering roadside assistance, extended warranty, and mobility services. Comparable to Icare's roadside assistance product and warranty-adjacent services, though part of a much larger financial services group.
Broad incumbents
- Assurant (Vehicle Warranty): Global provider of extended warranty, protection plans, and vehicle services including through The Warranty Group (TWG). A larger incumbent with overlapping capabilities in automotive warranty administration but a much wider product portfolio across connected living and global lifestyle.
- Allianz Partners (AWP): B2B2C assistance and warranty services arm of Allianz, parent of Car Care Plan. Overlaps with Icare's roadside assistance and warranty distribution across European automotive OEMs and financial institutions at greater scale and geographic breadth.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Icare social profiles
Digital presenceIcare financial estimates
Financial estimateRevenue estimate
Valuation estimate
Icare leadership team
Management profileNumber of profiles
Icare funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Icare 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 Icare
What does Icare do?
Icare designs and administers personalized warranty, maintenance, assistance, and ancillary services for automotive professionals. Its portfolio includes dealer warranty, extended warranty, maintenance and repair contracts, and roadside assistance, distributed in white-label or Icare brand to car manufacturers, distribution groups, and financial institutions across Europe. The company complements these insurance products with proprietary digital platforms (MyIcare, Mobicar, Webicare) that manage contract subscriptions, claims, and reporting.
Is Icare a public or private company?
Icare is a private company. It is classified as corporate owned and is currently operating.
When was Icare founded?
Icare was founded in 1983. It employs 101 to 250 people.
Where is Icare based?
Icare is headquartered in Boulogne-billancourt, France, in the Europe region.
How does Icare make money?
Three revenue lines are on record. Mechanical Breakdown Warranty Premiums are the primary driver. The others are maintenance Contracts and roadside Assistance Services.
Who are Icare's main competitors?
Direct peers on record are Warranty Solutions Group, MAPFRE Warranty, European Warranty Group, Easycare (Easycare Warranty Services) and Car Care Plan. Others are Volkswagen Financial Services and Stellantis Financial Services. AXA Assistance is listed as an emerging player. Broad incumbents are Assurant (Vehicle Warranty) and Allianz Partners (AWP).
Does Icare have an API?
No public API is recorded for Icare.
What industry is Icare in?
Icare's product category is Automotive Warranty and Maintenance Services. Its primary akta.pro industry code is FSAJALAE, OEM/Captive Warranty & Service Contract Programs, with a secondary code of FSAJALAD, Dealer-Sold & F&I Administered Service Contracts (Dealer Obligors).