AutoProtect GmbH

What AutoProtect GmbH does

AutoProtect GmbH is a German InsurTech and licensed insurance broker (Versicherungsmakler under §34d Abs. 1 GewO) headquartered in Celle, Lower Saxony, specializing exclusively in automotive insurance. The company operates a digital B2B/B2B2X platform that distributes a unified portfolio of six products: Autohauspolice (multi-risk dealership policy covering building, contents, liability, electronics, glass, and business interruption under one framework contract), Flotte & KfZ-Versicherung (digital fleet and retail vehicle insurance with sub-minute quoting and sub-three-minute policy purchase), Cyber-Schutz (dealer-tailored cyber insurance), AutoProtect Select (B2B portal and AP Activity Management tool for OEM Financial Services and KfZ manufacturer banks), SB-KundenSchutz (no-deductible coverage for test drives and workshop replacement vehicles, powered by ELEMENT Insurance AG), and Retail KfZ-Versicherung (consumer-facing online vehicle insurance). Its core technology is a digital, real-time dealer-network monitoring system (AP Activity Management) that enables manufacturer banks to track sales activity at dealership and salesperson level, alongside a Back-Home Steering claims flow that redirects customers back to the originating dealership.

The company serves a German customer base of more than 800 auto dealership groups, KfZ manufacturer banks, and dealer associations, with thousands of end customers reached through participating dealers. Its go-to-market is a hybrid of channel partners (dealership network, manufacturer banks, exclusive distribution agents, and primary insurers), enterprise field sales with free on-site consultation nationwide, and a direct-to-consumer online portal. AutoProtect makes money as a broker earning commissions on KfZ insurance, fleet insurance, multi-risk auto dealership policies, cyber insurance, and SB-KundenSchutz products, with quote-based or unit pricing for fleet tiers and subscription-based pricing for SB-KundenSchutz. Internally, the company is small — approximately 9 employees — led by Managing Directors Timo Grundke and Lars Schilke, and is privately held with no disclosed venture capital or private equity backing. It has consolidated former VMC GmbH into its operations and holds broker registrations D-LY2R-GIFAW-28 (AutoProtect) and D-EPAN-37THI-39 (VMC), operating exclusively within Germany.

Name

AutoProtect GmbH

Legal name

AutoProtect GmbH

Website

https://autoprotect.de

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

AutoProtect GmbH is a German licensed insurance broker (Versicherungsmakler) and InsurTech based in Celle that distributes automotive-specific insurance products — multi-risk dealership policies, fleet and retail KfZ, cyber, and no-deductible test-drive coverage — through a digital platform to 800+ auto dealership groups, KfZ manufacturer banks, and dealer associations across Germany.

Ownership category

akta.pro rank

Product category

Automotive Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

akta.pro primary industry

Garage Liability & Dealers (Auto Dealers, Repair Shops) (FSAJABAF)

akta.pro secondary industries

Commercial Auto & Fleet Insurance (FSAJAMAB), Auto Liability Umbrella / Excess (FSAJANAK), Hired & Non-Owned Auto (FSAJABAE)

Keywords

• Automotive insurance brokerage
• Dealer multi-risk insurance
• Insurtech solutions
• Fleet insurance portal
• Automotive cyber coverage

Headquarters

HQ city

Celle

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Revenue generated as a licensed insurance broker (Versicherungsmakler) under §34d Abs. 1 GewO. Earns commissions on insurance policies sold including KfZ insurance, fleet insurance, multi-risk auto dealership policies, cyber insurance, and SB-KundenSchutz products. High compensation for sellers per insurance contract.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

AutoProtect GmbH is a licensed insurance broker (Versicherungsmakler) specializing exclusively in automotive insurance products for the German car dealership sector. It distributes multi-risk dealership policies, fleet and Kfz insurance, cyber coverage, and SB-KundenSchutz no-deductible products through a digital B2B/B2B2X platform backed by direct field sales to dealerships, manufacturer banks, and dealer associations.

Product overview

AutoProtect GmbH is an InsurTech company serving the German automotive retail sector. Its product portfolio comprises a unified platform of six distinct insurance products: (1) AutoProtect Autohauspolice — a multi-risk policy bundling property, liability, electronics, and vehicle coverage for car dealerships; (2) AutoProtect Flotte & Kfz-Versicherung — a digital fleet and individual vehicle insurance with an online portal; (3) AutoProtect Cyber-Schutz — cyber insurance for automotive businesses; (4) AutoProtect Select — B2B digital insurance solutions and dealer activity management tools for OEM financial services and manufacturer banks; (5) SB-KundenSchutz — a no-deductible policy for test drives and loaner vehicles (powered by ELEMENT Insurance AG); and (6) AutoProtect Retail Kfz-Versicherung — a consumer-facing online vehicle insurance platform. These products share a common digital infrastructure and are unified by a partner/dealership distribution model that steers customers back to the originating dealership for claims and service.

Differentiator

Problem solved

Functional benefit

Products and services

• AutoProtect Autohauspolice Exclusive multi-risk insurance solution for car dealerships and workshops, bundling building, equipment, liability, electronics, glass, and business interruption coverage under a single framework contract with unlimited eVB for vehicle registrations.
• AutoProtect Flotte & Kfz-Versicherung Fleet and individual vehicle insurance for dealerships with a digital online portal generating quotes in under one minute and policies in under three minutes, featuring daily termination, special fleet pricing, and Back-Home Steering that directs claims back to originating dealerships.
• AutoProtect Cyber-Schutz Exclusive cyber insurance coverage for car dealerships, protecting against data theft, viruses, hacker attacks, phishing, operating errors, and cyber extortion, and covering third-party claims, data recovery, computer fraud, and loss of earnings.
• AutoProtect Select Digital insurance concepts for OEM financial services and Kfz manufacturer banks, including a B2B/B2B2X insurance portal and AP Activity Management for real-time tracking of sales activities across dealerships and salespeople.
• SB-KundenSchutz Exclusive no-deductible insurance product that eliminates self-participation costs for test drives and loaner/accident replacement vehicles at auto dealerships; one annual contract covers all test drives and workshop substitute vehicles, powered by ELEMENT Insurance AG.
• AutoProtect Retail Kfz-Versicherung Online vehicle insurance platform offering Kfz coverage for new cars, used cars, private and commercial vehicles manufacturer-independently, with digital quote creation in under one minute, daily terminability, and dealer compensation for sales agents.

Quantifiable outcome

• 800+ auto dealership groups and KfZ businesses nationwide trust AutoProtect solutions
• +3 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature6 records

Partnerships

Three partnerships are on record, tiered core and minor.

• ELEMENT Insurance AGcoreTechnology or IntegrationELEMENT Insurance AG provides the technological infrastructure powering the AutoProtect SB-KundenSchutz calculator and insurance platform. The partnership enables AutoProtect to offer white-label digital insurance products to auto dealerships.
• Various Insurers (Unnamed)coreOthersAutoProtect works with multiple unnamed insurance companies for KfZ insurance, fleet insurance, multi-risk policies, and cyber protection products. The fleet comparison tool incorporates top insurance companies for various fleet structures.
• IHK Lüneburg-WolfsburgminorOthersIndustry and Commerce Chamber (IHK) Lüneburg-Wolfsburg is the regulatory authority that issued AutoProtect's insurance broker license under §34d Abs. 1 GewO.

Scale indicators6 records

Recent moves6 records

Expansion highlights3 records

Others

• CG Car-Garantie Versicherungs-AG: Specialist provider of warranty and insurance products for car dealerships and OEMs in Germany. Adjacent to AutoProtect's dealer ecosystem with overlapping customers but focused on warranty rather than motor/commercial insurance.

Broad incumbents

• R+V Versicherung AG: Large German mutual insurer offering motor, fleet, and commercial coverages relevant to AutoProtect's dealer customers. Operates across the same lines without a dealer-vertical focus.
• Generali Versicherung AG: One of Germany's largest primary insurers, offering motor, fleet, and commercial P&C products including dealer-relevant coverages. A broad incumbent that competes across AutoProtect's lines without specializing in the dealer channel.
• Allianz Deutschland AG: Germany's largest insurer, with extensive motor, commercial fleet, and cyber offerings. Competes with AutoProtect across both retail KfZ and dealer commercial products.
• HDI Versicherung AG: Major German P&C insurer within the Talanx Group, with motor and commercial fleet offerings that overlap AutoProtect's portfolio at an incumbent scale.
• Zurich Insurance plc (Deutschland): Global P&C insurer with German operations offering commercial motor, fleet, and cyber products. Overlaps AutoProtect's lines at incumbent scale.
• VHV Versicherungen: German insurer specializing in motor and liability for trades/commercial fleets. Particularly close on KfZ and fleet coverages that overlap AutoProtect's dealer-facing products.
• AXA Konzern AG: Major German P&C and motor insurer. Provides fleet, commercial, and cyber products that overlap with AutoProtect's portfolio as a broad-market incumbent.

Direct peers

• ELEMENT Insurance AG: Berlin-based insurance platform that powers AutoProtect's SB-KundenSchutz calculator and policy issuance. Operates in the same B2B insurance distribution space for automotive and consumer products via white-label digital infrastructure.

Emerging players

• DealerPolicy: US-based InsurTech that embeds insurance quoting inside auto dealership digital showrooms and service lanes. Closest international model to AutoProtect's digital POS insurance approach, though operating in the US market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/autoprotect-gmbh

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

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 GmbH