What GardX Assure does

GardX Assure is the FCA-regulated insurance division (Firm Reference No. 711212) of the privately held GardX Group, headquartered in Port Solent, Hampshire. The company distributes insured and non-insured vehicle protection products through automotive dealer groups and OEM Financial Services partners in the UK, and via a direct-to-consumer e-commerce platform. Its product portfolio spans GAP Insurance, Tyre and Wheel Protection, Mechanical and Electrical Warranty, the C.A.R.S. Plus cosmetic accident repair solution, Cosmetic and Tyre & Wheel Maintenance Plans, and the BEV Warranty and EVerity battery health certification platform for electric vehicles. The Assure division was established in 2010 within a group founded by Victor Coutin in 2002 (market launch 2003), and operates from a panel of top-tier underwriters including Arch (A+), Fortegra (A-), Helvetia (A+), and Acasta.

The company's core technology is a proprietary digital ecosystem centred on the iGard policy and guarantee fulfilment platform and extended through GardX Connect (VAP integration into dealer management systems and CRM platforms via APIs), the Product Accelerator marketing automation module, and the Care Portal end-to-end claims management platform. Power BI dashboards provide real-time performance analytics across dealer and GardX teams. GardX Assure combines this technology stack with a B2B field-based account management motion targeting OEM Financial Services and major dealer groups (Stellantis, BMW AG, Inchcape, Renault Retail Group, Hendy, Citygate, Vindis, Big Motoring World, Sytner, Lookers, Group 1 Automotive, JCT600) and a direct-to-consumer self-serve e-commerce channel for GAP insurance. Customer outcomes include 12–20% average increases in value-added product (VAP) penetration across dealer networks and double-digit growth typically achieved within OEM dealer networks within the first year of partnership.

GardX Assure generates revenue primarily through insurance premium collection on regulated products (single upfront premiums or financed at point of sale), one-time premiums on non-regulated maintenance plans, and subscription/recurring fees on the digital technology stack (iGard, GardX Connect, Product Accelerator, Care Portal, e-commerce) provided to dealer groups and OEM partners. The group supports more than 3,000 active partners across 42 international markets and operates a nationwide network of over 350 ATA-accredited mobile repair technicians for C.A.R.S. Plus claims fulfilment. EVerity introduces a recurring warranty subscription and one-time certification fee model layered onto the existing distribution footprint, creating a structurally new revenue line tied to BEV adoption.

Name

GardX Assure

Legal name

GardX Assure Ltd

Website

https://gardxassure.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

GardX Assure is the FCA-regulated insurance arm of GardX Group, distributing insured and non-insured vehicle protection products (GAP, Tyre, Wheel, Warranty, C.A.R.S. Plus, BEV Warranty, EVerity) to automotive dealer groups, OEM Financial Services, and UK consumers via proprietary digital platforms.

Ownership category

akta.pro rank

Product category

Automotive Insurance

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

GAP & Vehicle Protection Products (GAP Waiver/Insurance, Lease/Loan Protection) (FSAJALAC)

akta.pro secondary industries

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL), Vehicle Protection & Add-on Product Financing (Warranties, GAP, Service Plans) (FSAKADAL), Embedded Insurance Distribution & Premium Financing (FSAGALAF)

Keywords

• Vehicle protection insurance
• Automotive dealer solutions
• GAP insurance products
• Cosmetic repair services
• EV warranty products

Headquarters

HQ city

Portsmouth

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Product Premiums: Collection of insurance premiums from regulated products including GAP Insurance, Tyre Protection, Wheel Protection, Warranty, and C.A.R.S. Plus. Revenue is generated through single premiums paid upfront or via financing options at point of vehicle sale, and through ongoing premium collections from dealer-intermediated sales.
2. Non-Insured Maintenance Plans: Revenue from non-regulated cosmetic maintenance, tyre and wheel maintenance plans sold through automotive dealers. Plans are priced as single premiums with optional funding arrangements, generating recurring engagement revenue through periodic inspections.
3. Digital Technology Services: Revenue from white-labelled digital platforms and SaaS-style tools including GardX Connect, Product Accelerator, Care Portal, and e-commerce solutions provided to dealer groups and OEM partners as integrated or standalone services.
4. EVerity EV Solutions: Revenue from BEV battery health testing, certification, and supporting warranty products for electric vehicles. Creates recurring income through warranty subscriptions and one-time certification fees for dealers.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

GardX Assure is the FCA-regulated insurance business within the GardX Group, supplying insured and non-insured vehicle protection products — GAP Insurance, Tyre Protection, Wheel Protection, Mechanical & Electrical Warranty, C.A.R.S. Plus cosmetic repair, Cosmetic/Tyre & Wheel maintenance plans, and BEV/EV warranties — primarily through UK automotive dealer groups and OEM Financial Services. Distribution and policy lifecycle are enabled by a proprietary digital ecosystem (iGard, GardX Connect, Care Portal, Product Accelerator) and supported by a panel of top-tier underwriters (Arch, Fortegra, Helvetia, Acasta).

Product overview

GardX Assure offers a portfolio of insured and non-insured vehicle protection products across the automotive retail sector. Insured solutions include GAP Insurance, Tyre Protection, Wheel Protection, Warranty, and C.A.R.S. Plus for cosmetic repairs. Non-insured Maintenance Plans (Cosmetic, Tyre & Wheel, Cosmetic & Wheel) provide ongoing inspections and repairs. For electric vehicles, BEV Warranty and the EVerity battery health certification platform address the growing BEV market. The digital ecosystem is anchored by the proprietary iGard platform hub, with GardX Connect enabling customer engagement, Product Accelerator for marketing automation, Care Portal for claims management, and a Direct-to-Consumer e-commerce module. These products serve dealer groups, OEM Financial Services, and retail consumers across the UK automotive market.

Differentiator

Problem solved

Functional benefit

Brands

• GardX: Parent brand for the GardX Group of companies
• GardX Group
• GardX Connect
• EVerity
• GoMaintain
• iGard
• Care Portal

Products and services

• GAP Insurance Guaranteed Asset Protection insurance covering the financial shortfall between motor insurer settlement and original vehicle purchase price or outstanding finance balance in the event of total loss. Sold via dealers, OEM Financial Services, and the company's direct-to-consumer e-commerce platform.
• Tyre Protection Insurance Insurance contributing towards repair or replacement of tyres damaged through accidental or malicious means, including winter tyres within claims limits. Available in 12/24/36 month terms.

Quantifiable outcome

• 12–20% increase in VAP (value-added product) penetration rates on average across dealer networks
• +2 more outcomes

Named customers12 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability4 records

Feature6 records

Partnerships

Six partnerships are on record, tiered core, supporting and flagship.

• Arch InsurancecoreTechnology or IntegrationPrimary panel underwriter providing insurance capacity for GardX Assure products. Arch Insurance is rated A+ by Standard & Poor's, has GWP of $18.4 billion, SCR coverage of 147%, and writes Property, Accident, Health, Liability, Casualty, Travel, Transport, Motor, Marine, Energy, and Aviation lines across worldwide territories.
• FortegracoreTechnology or IntegrationPanel underwriter rated A- by AM Best with US parent company rated A. SCR coverage of 312% as of December 2020. Group GWP of $1.6 billion in 2020. Writes Credit Insurance, Collateral Protection, Commercial and Personal Lines, Auto, Consumer Goods Warranty, Premium and Warranty Finance across UK, USA, Czech Republic, Greece, Hungary, Ireland, Netherlands, Poland, Slovakia, and Spain.
• Helvetia InsurancecoreTechnology or IntegrationPanel underwriter with NWP of CHF 11.22 billion (£10.03 billion), rated A+ by Standard & Poor's with SCR coverage of 193%. Writes Property, Active Reinsurance, Transport, Motor Vehicle, Accident, Health, and Liability across UK, Switzerland, Austria, Italy, France, Spain, and China.
• AcastasupportingTechnology or IntegrationPanel underwriter offering bespoke scheme underwriting tailored to specific customer needs. SCR coverage of 133%. GWP of £39.7m in 2020. Writes Accident, Sickness, Fire, Suretyship, Legal Expenses, Assistance, Damage to Property, General Liability, and Miscellaneous Financial Loss in the UK.
• BMW AGflagshipOEM/ Whitelabel/ Licensing PartnerExclusive global Paint and Interior Protection provider for BMW AG, operating across 18 international markets. GardX provides white-labelled protection products and digital solutions as part of BMW's customer programme.
• InchcapeflagshipOEM/ Whitelabel/ Licensing PartnerExclusive Paint and Interior Protection provider for Inchcape globally across 17 international markets. GardX provides white-labelled protection solutions as part of Inchcape's customer offering.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Warrantywise: UK specialist used-car warranty provider with a strong D2C brand and dealer-distributed products. Comparable to GardX Assure's warranty offering and consumer-facing claims management model.
• Car Care Plan: One of the UK's largest specialist providers of automotive GAP insurance, extended warranty, and tyre & alloy protection, sold primarily through franchised and independent dealer groups. Direct comparable to GardX Assure across both regulated insurance products and dealer-channel distribution model.
• AutoProtect Group: UK provider of GAP insurance, extended warranty, tyre & alloy and cosmetic protection products distributed through dealer groups and OEM partners. Highly comparable product mix and dealer-led B2B go-to-market to GardX Assure.
• Click4Gap: UK-focused GAP insurance specialist with a direct-to-consumer e-commerce platform. Directly comparable to GardX Assure's GAP product and its getquote.gardxassure.com D2C channel.
• Warranty Assist: UK-based specialist in extended mechanical and electrical warranty products for automotive retailers and OEM partners. Directly competes with GardX Assure's Warranty and C.A.R.S. Plus product lines in the dealer channel.
• MotorEasy: UK aftermarket warranty, GAP and vehicle protection provider with both dealer-distribution and direct-to-consumer e-commerce platforms. Overlaps with GardX Assure's warranty, GAP and D2C go-to-market motions.
• Autoguard Warranties: UK extended warranty provider selling through franchised dealers and independent retailers, including EV-specific warranty products. Directly comparable to GardX Assure's warranty and BEV warranty lines.
• ALA Insurance (Automotive Leasing & Aftermarket): UK GAP insurance and warranty specialist serving dealers and finance houses, with deep penetration into the UK motor finance add-on insurance market. Closely comparable to GardX Assure's GAP and warranty product suite.

Broad incumbents

• Assurant Solutions: Global provider of vehicle protection programmes, extended warranties and connected-living services with deep OEM relationships worldwide. Broader, larger incumbent competing for the same OEM white-label protection programmes GardX Assure holds with BMW, Inchcape and Stellantis.

Others

• Fortegra: US-headquartered specialty insurance group that is both a GardX Assure panel underwriter and a competitor in consumer goods warranty, auto and collateral protection. Relevant as both a capacity provider and adjacent product competitor in the same dealer-channel warranty market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/GardX
• LinkedInlinkedin.com/company/gardx-assure

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 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 GardX Assure