Extendo Insurance

What Extendo Insurance does

Extendo Insurance OÜ is a privately held Estonian insurance company (Reg. nr 11388021) that sells extended warranty contracts for cars, motorcycles, and motorhomes. The company began operating in Estonia in 2020 and is headquartered in Peetri, Rae vald, Harju maakond. Its core product covers mechanical and electrical failures after the factory warranty expires, with no deductible, no coverage limits, and unlimited free repairs for diagnostics, labor, and parts. Coverage is valid across Europe up to specified mileage and duration, and the service is offered through tiered products (Diamond, Gold, Platinum) and specialized packages for motorcycles, motorhomes, and powertrain components.

The platform is built around a self-serve digital sales motion delivered through the company's website (extendo.ee) and country-specific domains for Finland, Latvia, and Lithuania. Customers obtain a personalized quote by entering their license plate, mileage, and existing factory warranty details; Extendo also offers a VIN-based Warranty Validity Check tool. The service is administered through a network of more than 25 authorized dealers and service partners across Estonia covering mass-market and premium brands; the company does not sell through dealer intermediation but rather relies on the partner network for pre-sale technical inspections and warranty claim handling.

The business model is direct-to-consumer, one-time multi-year warranty sales priced per vehicle. There is no public revenue disclosure, no parent company, no disclosed institutional funding, and headcount is reported at 1–10 employees. The founding team is described as having long-term international insurance and digital solutions experience. Marketing is conducted primarily through organic search and the company's own websites, with no app, no public API, and no social media presence disclosed in source materials.

Name

Extendo Insurance

Legal name

Extendo Insurance OÜ

Website

https://extendo.ee

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

Extendo Insurance OÜ is an Estonian insurance company that sells direct-to-consumer extended warranty contracts for cars, motorcycles, and motorhomes, with coverage valid across Europe and pricing quoted online via a license-plate and mileage self-serve tool.

Ownership category

akta.pro rank

Product category

Extended Vehicle Warranty Insurance

NAICS

Insurance Carriers and Related Activities (524)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

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

akta.pro secondary industry

Powertrain & Component-Specific Vehicle Warranty Programs (FSAJALAK)

Keywords

• Extended vehicle warranty
• Automotive warranty insurance
• Motorhome warranty coverage
• Motorcycle warranty insurance
• Vehicle protection plans

Headquarters

HQ city

Peetri, Rae vald

HQ country

Estonia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Extended Vehicle Warranty Sales: The company generates revenue through the sale of extended vehicle warranties to car owners. These are one-time purchased policies that extend factory warranty coverage for vehicles, motorcycles, and motorhomes. The warranties cover unlimited repairs for mechanical and electrical failures, with no deductible or coverage limits.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Extendo Insurance sells multi-year extended vehicle warranty contracts that extend the factory warranty for cars, motorcycles, and motorhomes across Europe. Warranties cover unlimited repairs for mechanical and electrical failures including diagnostics, labor, and parts, with no deductible or coverage limits, and can be extended up to specified month or 150,000 km thresholds. Customers purchase online by entering their license plate, mileage, and factory warranty details to receive a quote.

Product overview

Extendo Insurance is a vehicle extended warranty provider operating in the Estonian market since 2020, offering extended warranty services that extend factory warranty coverage for vehicles across Europe. The product portfolio consists of a core extended warranty service covering cars (Autod), motorcycles (Mootorrattad), and motorhomes (Matkaautod), available in multiple coverage tiers: Diamond, Gold, and Platinum — with additional specialized offerings including Powertrain coverage, and legacy products under Compensa and Seesam brands. The service includes a warranty validity check tool for VIN-based verification. The company operates through a network of authorized dealership partners throughout Estonia and the wider European market.

Differentiator

Problem solved

Functional benefit

Products and services

• Vehicle Extended Warranty (Sõiduki lisagarantii) Multi-year extended warranty for passenger cars that covers mechanical and electrical failures after the factory warranty expires, including diagnostics, labor, and parts, with unlimited free repairs, no deductible, no coverage limits, and validity across Europe up to specified mileage (150,000 km) or duration.
• Motorcycle Extended Warranty Extended warranty service specifically designed for motorcycles, providing coverage for mechanical and electrical failures after factory warranty expiry across Europe, supported by the motorcycle dealer partner network.
• Motorhome Extended Warranty Extended warranty service for motorhomes covering mechanical and electrical failures after factory warranty expiry, valid across Europe through Extendo's partner service network.
• Warranty Validity Check Service Online self-serve tool that allows customers and buyers to verify whether a vehicle has an active Extendo warranty by entering the VIN code.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

28 partnerships are on record, tiered core.

• United MotorscoreChannel Partner/ Reseller/ DistributorAuthorized dealer partner providing pre-sale technical inspections and warranty claim handling for Alfa Romeo, BMW, Citroën, DS, and Opel vehicles. United Motors serves as a key sales and service partner for multiple brands.
• TopautocoreChannel Partner/ Reseller/ DistributorMulti-location dealer partner (Topauto Pärnu, Topauto Tallinn, Topauto Tartu) providing technical inspections and warranty support for Cupra, Hyundai, Mitsubishi, Seat, and Suzuki vehicles.
• Auto BassadonecoreChannel Partner/ Reseller/ DistributorAuthorized dealer partner handling pre-sale inspections and warranty claims for Citroën, Fiat, Honda, Hyundai, Nissan, and Opel vehicles.
• AutospiritcoreChannel Partner/ Reseller/ DistributorMulti-location service center (Autospirit Tallinn, Autospirit Tartu) providing technical support for Fiat, Mazda, Nissan, Opel, Peugeot, and Subaru vehicles.
• City MotorscoreChannel Partner/ Reseller/ DistributorAuthorized dealer for Dacia, Nissan, Renault, and Tesla vehicles, providing technical inspections and warranty claim services.
• Aasta AutocoreChannel Partner/ Reseller/ DistributorAuthorized Audi and Škoda dealer providing pre-sale inspections and warranty support for these brands.
• FlamekocoreChannel Partner/ Reseller/ DistributorMulti-brand dealer and motorhome service partner (Flameko) handling Audi, Mercedes-Benz, Škoda, Volkswagen, and motorhome brands (Citroën, Fiat, Ford, Mercedes-Benz, Renault, VW).
• MøllercoreChannel Partner/ Reseller/ DistributorAuthorized Škoda and Volkswagen dealer (Møller Pärnu, Møller Tallinn, Møller Viru) providing warranty inspection and claim services.
• Ideal AutocoreChannel Partner/ Reseller/ DistributorAuthorized dealer for Ford, Jaguar, Lexus, Porsche, and Toyota vehicles, providing technical inspections and warranty support.
• VehocoreChannel Partner/ Reseller/ DistributorAuthorized Mercedes-Benz and Mercedes-AMG dealer providing pre-sale inspections and warranty claim services.
• AMV AutocoreChannel Partner/ Reseller/ DistributorAuthorized Mercedes-Benz and Mercedes-AMG dealer providing technical inspections and warranty support.
• NordautocoreChannel Partner/ Reseller/ DistributorAuthorized Land Rover dealer providing technical inspections and warranty claim handling.
• Reval AutocoreChannel Partner/ Reseller/ DistributorAuthorized Audi dealer partner for warranty inspections and claims.
• EurostautocoreChannel Partner/ Reseller/ DistributorService partner for Mazda and Nissan vehicles providing technical inspections.
• SKO MotorscoreChannel Partner/ Reseller/ DistributorAuthorized Škoda dealer providing pre-sale inspections and warranty services.
• CatweescoreChannel Partner/ Reseller/ DistributorAuthorized Honda dealer providing technical inspections and warranty support.
• Euest MotorscoreChannel Partner/ Reseller/ DistributorAuthorized Volvo dealer providing technical inspections and warranty claim services.
• Aasta Auto PlusscoreChannel Partner/ Reseller/ DistributorAuthorized Volkswagen dealer providing pre-sale inspections and warranty support.
• Møller VirucoreChannel Partner/ Reseller/ DistributorAuthorized Škoda and Volkswagen dealer location providing warranty inspection services.
• Velt MotocentercoreChannel Partner/ Reseller/ DistributorMajor motorcycle dealer (Velt Motocenter) providing technical inspections and warranty support for Aprilia, Beta, BMW, CFMoto, Moto Guzzi, Peugeot, Piaggio, Suzuki, Vespa, Yamaha, Honda, Kawasaki vehicles.
• BikepointcoreChannel Partner/ Reseller/ DistributorAuthorized motorcycle dealer (Bikepoint) handling warranty claims for Honda, Kawasaki, Suzuki, and Yamaha motorcycles.
• MotokaubadcoreChannel Partner/ Reseller/ DistributorAuthorized Benelli motorcycle dealer providing technical inspections and warranty support.
• Harley-Davidson TallinncoreChannel Partner/ Reseller/ DistributorAuthorized Harley-Davidson motorcycle dealer providing warranty inspections and claim handling.
• MotodepoocoreChannel Partner/ Reseller/ DistributorAuthorized motorcycle dealer (Motodepoo) for Indian and Triumph motorcycles providing technical inspections and warranty services.
• Freetime MotokeskuscoreChannel Partner/ Reseller/ DistributorAuthorized Husqvarna dealer providing technical inspections and warranty support for motorcycles.
• EkstreemmotocoreChannel Partner/ Reseller/ DistributorAuthorized KTM motorcycle dealer providing technical inspections and warranty services.
• Honda Center EesticoreChannel Partner/ Reseller/ DistributorAuthorized Honda motorcycle dealer providing technical inspections and warranty support.
• RAMOcoreChannel Partner/ Reseller/ DistributorAuthorized Suzuki dealer providing technical inspections and warranty services.

Scale indicators1 record

Recent moves9 records

Expansion highlights4 records

Direct peers

• Opteven: France-based specialist in vehicle extended warranty and MBI for cars, motorcycles and motorhomes, distributed across multiple European countries. Highly comparable to Extendo's vehicle-type breadth (cars, motorcycles, motorhomes) and European footprint.
• CarGarantie: German-headquartered independent provider of vehicle extended warranties and mechanical breakdown insurance sold via dealers and online across Europe. Most direct comparable to Extendo in product, distribution model, and geographic scope.
• Real Garant Versicherung AG: Specialist European underwriter of mechanical breakdown insurance and extended warranty programs for cars and motorcycles, sold through dealer partners. Closely mirrors Extendo's warranty-insurance model and dealer-led claims handling.
• WarrantyWise: UK independent extended warranty provider with direct-to-consumer online quote and tiered cover. Matches Extendo's self-serve digital sales motion and tiered product positioning.
• Car Care Plan: UK-based administrator of vehicle extended warranty programs for OEMs, dealers and consumers across Europe. Comparable to Extendo in multi-tier vehicle warranty administration and dealer network distribution.
• MAPFRE Warranty: Specialist warranty and MBI division of MAPFRE, providing vehicle extended warranty products across Europe and Latin America. Comparable in product type, multi-country reach and partnership-based distribution.
• AutoProtect: UK provider and administrator of vehicle extended warranties, GAP and ancillary protection products distributed through dealers. Comparable product mix (extended warranty + ancillary vehicle protection) and dealer-led model.

Broad incumbents

• Allianz Automotive / Allianz Partners: Global insurance/assistance giant offering extended warranty, GAP and motor ancillary products as part of a broad portfolio. Sets the competitive benchmark Extendo must meet on financial strength and brand trust in MBI.
• AWP P&C (Allianz Partners Warranty): European warranty and assistance underwriter (formerly part of Allianz) selling extended vehicle warranty programs through dealer and OEM partnerships. Adjacent incumbent defining what scale in this category looks like.
• AXA Assistance / AXA MBI: Major insurer offering extended warranty and mechanical breakdown products across multiple European markets as part of its wider motor portfolio. Comparable product category with much broader scale and distribution.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 Extendo Insurance