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GardX Assure the regulated arm of the GardX Group has transformed its insurance proposition through a series of strategic initiatives, including the relaunch of a fully owned in-house claims operation, the rapid expansion of its nationwide repair network including its owned venture (GoSmart Repair), the establishment of a diverse panel of five A-rated underwriters, and the re-introduction of a market-leading GAP proposition. Together, these initiatives create a fully integrated, end-to-end insurance solution that revolutionizes the client value proposition, delivers superior customer outcomes, and unlocks new product scope and distribution channels, including Direct-to-Consumer.
This strategic transformation is already delivering measurable impact. Over the past 18 months, the business has doubled in size, doubling its gross written premium and accelerating its growth trajectory across both client and direct channels.
The in-house claims operation is a cornerstone of this transformation, giving GardX Assure full oversight of the customer journey from policy inception to repair completion. Underpinned by a proprietary digital care portal, which now handles over 70% of claims online and AI-enabled workflows, assessment and support processes. This enables faster decisions, consistent service quality, streamlined triage and exceptional results for clients and their customers.
GardX’s growing nationwide repair network, including GoSmart Repair, is scaling rapidly to support this integrated model. Combined with claims management, it ensures high-quality, cost-efficient, and transparent service across the full range of insurance products.
A diverse panel of five A-rated underwriters underpins product innovation, providing secure capacity and enabling tailored product scope and coverage that differentiate GardX Assure in a competitive market. This supports the development of new GAP, Tyre & Alloy, Warranty, MOT, and Cosmetic Repair insurance propositions designed to meet evolving customer needs with flexibility and precision.
In the past few months alone, GardX Assure successfully launched GAP insurance with Renault Retail Group and secured the Sytner Cosmetic Repair Insurance programme across their full UK and Northern Ireland network, a landmark achievement demonstrating market confidence in GardX’s strategy, integrated approach, and expanding capabilities.
Billy Coutin, Chief Executive Officer at GardX, said: “Transforming our claims and care operation has been a key initiative, further enhancing our control over service delivery and driving even better outcomes for customers. Alongside our rapidly expanding repair network and new product offerings, we continue to deliver a holistic insurance solution that is unmatched in the market”.
Dave Allmark, Director of Business at GardX Assure, added: “Our focus has been on establishing strong, scalable foundations for long-term growth. The panel of A-rated underwriters allows us to innovate with flexibility and secure capacity, while our new products and channels, including Direct-to-Consumer enable us to reach more customers in new ways. The successful new client launches highlights both the strength of our proposition and the confidence our partners place in us”.
With an integrated operating model, a fast-growing repair network, and an expanding suite of innovative insurance products, GardX Assure is strategically positioned to continue transforming the automotive insurance market and deliver sustainable growth for clients and customers alike.
About GardX
Established in 2003, GardX International is the world’s only integrated partner for vehicle protection, insurance products, and digital solutions. Operating across these three business sectors, GardX serves over 40 global markets. For more information, visit www.gardxgroup.com or email [email protected]