Momentum Warranties

What Momentum Warranties does

Momentum Warranties Limited is a UK-based vehicle warranty provider incorporated in Scotland (Company No. SC278548), headquartered in Perth. Founded in 2004 by industry veterans with decades of combined expertise, the company is authorised and regulated by the Financial Conduct Authority (FCA No. 490570) and operates exclusively within the United Kingdom. Reaching its 20-year operating milestone in 2024, the company serves two primary customer segments: motor dealerships (franchised and used car dealers) that resell warranty plans to vehicle buyers as a B2B2C channel, and individual vehicle owners who purchase extended warranties and Mechanical Breakdown Insurance (MBI) coverage directly. The firm is privately held with no disclosed external funding rounds, parent company, or acquisition activity, and operates with an estimated 11-50 employees.

The company's core product is a tiered portfolio of extended vehicle warranty plans. Dealer-facing products include Plan 1 VPX (engine, cooling, fuel system, driveline, manual gearbox), Plan 2 VPX (adding automatic gearbox, CVT, torque converter), and Plan 3 PROCLP (administered on behalf of the dealer, extending to suspension, steering, braking, and electrical systems). The consumer-facing MBI range (Plan 1, 2, 3) mirrors this tiered structure and explicitly includes EV and hybrid vehicles at entry level. An ancillary breakdown cover product, Momentum Rescue (Standard and Full tiers), is distributed under the Momentum brand through a partnership with CallAssist as underwriter. The proprietary technology stack comprises a cloud-based warranty administration and claims management platform, a consumer-facing mobile app on iOS and Android for claims logging, garage selection, and document management, a dedicated Momentum Dealer App, the EDR Connex dealer portal, and the mclaim.online repairer claims portal. The company markets a same-day claims processing target with a 45-minute payment SLA.

Momentum Warranties generates revenue primarily through subscription/recurring premiums on warranty contracts, sold B2B2C through its motor dealer network and directly to consumers via app and website. Distribution relies on dedicated Area Managers and Business Support Managers who recruit and support dealer partners across the UK, supplemented by a Momentum Approved Repair centre network for claims fulfilment. Pricing is not publicly disclosed; dealers receive variable pricing options while consumers must request quotes directly. The company markets through its website, social media (TikTok, Instagram), email communications, and relies on Trustpilot/Google reviews (rated Excellent) as social proof. The firm's competitive positioning emphasises broader parts coverage than competitors, FCA-regulated trust signals, UK-based customer service, and the integrated digital claims workflow.

Name

Momentum Warranties

Legal name

Momentum Warranties Limited

Website

https://momentumwarranties.co.uk

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Short description

Momentum Warranties Limited is a UK-based, FCA-regulated vehicle warranty provider offering tiered extended warranty plans to motor dealerships (B2B2C) and individual vehicle owners, supported by proprietary mobile apps, dealer/repairer portals, and a CallAssist-partnered breakdown cover product.

Ownership category

akta.pro rank

Product category

Vehicle Warranty Services

akta.pro primary industry

Vehicle Extended Warranty (VSC) & Mechanical Breakdown Insurance (MBI) (FSAJALAA)

akta.pro secondary industry

Auto Ancillary Warranties (Tire & Wheel, Paintless Dent, Key/Remote, Windshield) (FSAJALAB)

Keywords

• Vehicle warranty plans
• Extended car warranties
• Mechanical breakdown insurance
• Dealer warranty programs
• Breakdown recovery cover

Headquarters

HQ city

Perth

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Vehicle Extended Warranty Plans: The primary revenue stream is the sale of extended vehicle warranty plans sold to motor dealers (who then sell to their customers) and directly to consumers. Plans are tiered (Plan 1 VPX, Plan 2 VPX, Plan 3 PRO CLP for dealers; Plan 1 MBI, Plan 2 MBI, Plan 3 MBI for consumers) covering mechanical breakdown insurance for vehicles. Revenue is generated through premiums paid on warranty contracts.
2. Momentum Rescue Breakdown Cover: Ancillary revenue stream offering breakdown cover as an add-on or standalone product. Provided in partnership with CallAssist. Includes roadside assistance, recovery, onward travel, and key cover. Sold as a supplementary product to warranty customers or as a standalone offering.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

Momentum Warranties sells multi-tiered extended vehicle warranty plans (dealer-facing VPX and PROCLP tiers and consumer-facing Mechanical Breakdown Insurance / MBI tiers) covering engine, gearbox, driveline, electrical, and other components. The company distributes these plans primarily through UK motor dealerships and directly to consumers, supported by same-day claims processing and a proprietary mobile app. An ancillary breakdown recovery product (Momentum Rescue) is provided in partnership with CallAssist.

Product overview

Momentum Warranties is a UK-based vehicle warranty provider offering a multi-tiered portfolio of warranty products. The dealer-facing offerings include Plan 1 VPX, Plan 2 VPX, and Plan 3 PROCLP, which together provide progressive coverage levels from core drivetrain components (engine, gearbox) through to electrical systems and suspension. The customer-facing Mechanical Breakdown Insurance (MBI) range (Plan 1, 2, and 3 MBI) mirrors this structure with EV/hybrid inclusion at entry level and extends to wear items like batteries and emissions components. An add-on breakdown recovery service called Momentum Rescue is available in Standard (local) and Full (nationwide with Homestart) tiers. A proprietary mobile app enables claim logging, garage selection, and document management.

Differentiator

Problem solved

Functional benefit

Brands

• Momentum Rescue: Breakdown cover service offering roadside assistance, recovery, home start, and onward travel options for vehicle owners.

Products and services

• Plan 1 VPX Dealer-facing extended warranty plan covering engine, cooling system, fuel system, 4x4 transfer box, driveline, differential, and manual gearbox components. Sold to UK motor dealers who resell it to vehicle buyers.
• Plan 2 VPX Dealer-facing extended warranty plan extending Plan 1 VPX coverage to include automatic gearbox, continuously variable transmission (CVT), and torque converter components. Sold to UK motor dealers.
• Plan 3 PROCLP Dealer-facing warranty plan administered by Momentum Warranties on behalf of the dealer, covering propshafts, suspension and steering, braking system, electrical system, and castings.
• Plan 1 MBI Mechanical Breakdown Insurance plan for individual vehicle owners covering propshafts, suspension and steering, casings, working materials, diagnostics, with Electric (EV) and Hybrid vehicle components included.
• Plan 2 MBI Mechanical Breakdown Insurance plan covering all mechanical and electrical components, air conditioning, turbocharger, clutch, programme costs, satellite navigation, and multimedia/sound systems.
• Plan 3 MBI Mechanical Breakdown Insurance plan covering diesel particulate filter, catalytic converter, and battery components.
• Momentum Rescue Standard Cover Entry-level breakdown cover providing essential roadside assistance and recovery within a 10-mile radius, excluding Homestart. Includes local recovery, roadside assistance, nationwide recovery, onward travel, and caravan/trailer recovery. Underwritten by CallAssist.
• Momentum Rescue Full Cover Comprehensive breakdown cover including nationwide recovery, Homestart, roadside assistance, onward travel, and caravan/trailer coverage. Provided by CallAssist under the Momentum Rescue brand.

Quantifiable outcome

• Claims paid within 45 minutes
• +3 more outcomes

Named customers7 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

One partnership is on record.

• CallAssistcoreChannel Partner/ Reseller/ DistributorCallAssist is the underwriter and provider of the Momentum Rescue breakdown cover product. Momentum Warranties distributes CallAssist's breakdown and rescue services under the Momentum Rescue brand. This is a key ancillary product offered alongside vehicle warranty plans, covering roadside assistance, recovery, onward travel, and key cover. Standard Cover includes roadside assistance within a 10-mile radius, while Full Cover includes nationwide recovery, Homestart, onward travel, and caravan/trailer recovery.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• MotorEasy: UK extended vehicle warranty and servicing plan provider with both dealer and direct-to-consumer channels. Comparable target customer (UK motorists), product structure, and claims-managed service model.
• Autoguard Warranties: UK provider of extended vehicle warranties sold through a dealer network, with a claims platform and multiple coverage tiers. Directly comparable B2B2C model and product structure to Momentum.
• ALA Insurance: UK specialist motor insurance and warranty product provider with dealer distribution. Overlapping mechanical breakdown insurance and GAP offerings position it as a direct competitive peer.
• Warranty Direct: UK extended vehicle warranty provider operating on a direct-to-consumer and dealer basis. Comparable MBI-style product offering and UK motorist target segment to Momentum.
• Warrantywise: UK-based vehicle warranty provider offering extended mechanical breakdown coverage to both dealers and consumers. Highly comparable product portfolio, distribution model, and target customer base to Momentum Warranties.
• Click Dealer Warranty: UK warranty provider specifically targeted at motor dealers offering extended warranties as part of vehicle sales. Directly comparable dealer-channel product and customer to Momentum's VPX plans.
• AutoProtect: UK vehicle warranty and ancillary product provider distributed primarily through motor dealers. Overlapping product suite (extended warranty, GAP, breakdown add-ons) and dealer-led GTM make it a close comparable.

Broad incumbents

• Car Care Plan: Established UK and European vehicle warranty and service plan administrator with broad portfolio including manufacturer and dealer programmes. Larger incumbent with similar product offering and FCA-regulated status.
• The AA (extended warranty): Major UK motoring services brand offering extended vehicle warranties alongside breakdown cover and insurance. A larger incumbent with broader portfolio reach, competing with Momentum on trust and brand recognition.
• RAC (extended warranty): UK roadside assistance and motoring services group offering extended vehicle warranty products. Established incumbent in adjacent categories (breakdown, insurance) that competes for the same motorist wallet.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Instagraminstagram.com/momentumwarranties
• TikToktiktok.com/@momentumwarranties
• LinkedInlinkedin.com/company/momentum-warranties-limited

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Momentum Warranties