Ex-Tesla Insurance Europe | Ex-Zego | FCII | FCA • GFSC • MFSA Approved
Automotive OEM Insurance Strategy
We built embedded insurance at Tesla. We know what it takes to turn an OEM's structural data advantage into a compliant, profitable insurance operation, and we know every mistake made by the generation that went before.
The transition toward connected, electric, and autonomous vehicles is fundamentally changing how risk is measured, managed, and priced. Automotive OEMs hold the ultimate advantage in this new paradigm: proprietary access to vast streams of telematics data, closed-loop repair networks, and direct relationships with the customer from the point of sale.
However, translating this structural advantage into a profitable, compliant insurance operation remains brutally complex. Whether you are a leading European manufacturer looking to retain post-sale revenue, or a high-growth Chinese EV Challenger (such as BYD or NIO) seeking to launch embedded insurance products upon European market entry, the barriers to success are identical: regulatory licensing, capacity constraints, technical pricing models, and pan-European compliance.
Our operators have firsthand experience designing and scaling OEM embedded insurance architectures from the ground up at companies like Tesla. We understand the precise friction points between automotive manufacturing mindsets and rigid insurance sector requirements.
We partner with OEM leadership to bypass the expensive mistakes of first-generation embedded insurance programs. From securing fronting capacity and establishing an MGA architecture, to optimizing claims routing back into OEM-certified repair centers, we execute strategies built for scale, profitability, and an uncompromising customer experience.
Our Approach
We negotiate and structure capacity agreements that allow OEMs to capture underwriting margin over time, shifting from simple introductory commissions to sophisticated profit-share or captive models.
Navigating the fragmented regulatory landscape across the UK and the EU. We structure MGA models and cross-border distribution frameworks that ensure compliance without slowing down your vehicle rollout.
Integrating product purchase seamlessly into the online configurator and app-based vehicle handovers, maximising attachment rates and ensuring a frictionless digital journey.
Advising on repair network integration strategies that route policyholders to OEM-certified body shops, protecting residual values, brand equity, and underwriting margins.
Related Specialisms
Ready to talk?
Whether you're building, scaling, or fixing an insurance operation, we've been there. Book a free 15-minute conversation.