Premia Solutions is one of the United Kingdom’s leading providers of automotive add-on insurance and protection products, designed specifically for dealer groups and leasing brokers. Established in 2000, the company has built a trusted reputation for delivering innovative, customer-focused solutions that enhance vehicle ownership experiences. Headquartered in Warwick, England, Premia Solutions has expanded its influence throughout the UK and Ireland, supporting thousands of dealerships with value-driven insurance services that protect vehicles, strengthen customer relationships, and create new revenue streams.
At its core, Premia Solutions operates with a single vision — to provide peace of mind for both drivers and dealers. Through strategic partnerships, industry expertise, and a strong commitment to compliance, the company has become synonymous with reliability and innovation in the automotive insurance sector.
A Legacy of Trust and Innovation
Over more than two decades, Premia Solutions has evolved alongside the rapidly changing automotive industry. As vehicles have become more advanced and consumer expectations have risen, the company has consistently adapted its products and services to meet modern demands. From traditional warranty protection to smart digital claim processes, every aspect of their operation reflects a forward-thinking approach.
What makes Premia Solutions stand out is its dedication to combining innovation with simplicity. Their insurance products are designed not only to protect vehicles but also to enhance the relationship between the dealer and the end customer. By empowering dealer groups with white-label solutions, Premia Solutions allows each partner to maintain its brand identity while benefiting from the strength and reliability of a well-established insurance provider.
The Core Products and Services of Premia Solutions
Premia Solutions offers a wide portfolio of automotive protection products tailored to both dealerships and customers. Each product is developed to address specific challenges that drivers face throughout the lifecycle of their vehicles.
1. GAP Insurance
Guaranteed Asset Protection (GAP) insurance is one of the company’s flagship offerings. It covers the financial shortfall between the insurer’s payout and the outstanding amount owed on a vehicle in the event of total loss. For many car owners, this coverage is essential, providing reassurance that they won’t be left out of pocket after an accident or theft. Dealers benefit by offering a valuable, trusted product that complements every vehicle sale.
2. Tyre and Alloy Wheel Insurance
The condition of a vehicle’s wheels plays a major role in safety and aesthetics. Premia Solutions’ tyre and alloy insurance covers damage caused by kerbs, potholes, and other road hazards. This protection ensures that customers can maintain their vehicle’s appearance and performance without incurring unexpected repair costs. It’s one of the most popular add-on products in the UK automotive sector, thanks to its practicality and affordability.
3. Cosmetic Repair Insurance
Small scratches, scuffs, and dents can detract from a vehicle’s resale value. Cosmetic repair insurance allows customers to restore their cars to showroom condition quickly and easily. By offering this add-on, dealer groups can provide a comprehensive ownership experience, extending their customer relationship well beyond the initial sale.
4. Paint and Fabric Protection
Premia Solutions also provides paint and fabric protection products designed to maintain a car’s interior and exterior finish. These solutions protect against environmental damage, stains, and fading, preserving the overall quality and appeal of the vehicle. For customers, this means long-term satisfaction; for dealers, it represents another layer of added value.
5. White-Label and Dealer-Branded Solutions
Perhaps one of the most innovative aspects of Premia Solutions’ business model is its white-label approach. Dealer groups and leasing brokers can offer all these insurance products under their own branding, supported by Premia Solutions’ infrastructure. This seamless integration strengthens the dealer’s reputation while ensuring customers receive top-tier protection and service.
Why Dealer Groups Trust Premia Solutions
Premia Solutions has earned the confidence of over 2,000 dealer groups and leasing brokers across the UK and Ireland. Several factors contribute to this success.
1. Proven Experience and Industry Expertise
With more than 20 years of experience, Premia Solutions understands the complexities of the automotive industry. The company’s leadership and operations teams have extensive backgrounds in insurance, finance, and vehicle retail — enabling them to anticipate challenges and deliver practical solutions.
2. FCA Authorisation and Compliance
As a Financial Conduct Authority (FCA) authorised firm, Premia Solutions upholds the highest standards of transparency and accountability. Dealer groups and brokers can confidently offer their products knowing that they meet all UK regulatory requirements.
3. Partnership-Driven Philosophy
Rather than offering one-size-fits-all packages, Premia Solutions takes a collaborative approach. Each dealer or broker receives a bespoke solution tailored to its specific business model and customer base. This personalised attention ensures long-term success and mutual growth.
4. Customer Satisfaction and Trust
Premia Solutions has consistently achieved strong consumer ratings, with thousands of positive reviews highlighting their responsive service and efficient claim handling. Their Trustpilot score of around 4.6 out of 5 reflects genuine customer appreciation — a testament to the company’s reliability and professionalism.
How Premia Solutions Adds Value to the Automotive Industry
The automotive industry is highly competitive, and dealerships must continually seek new ways to differentiate themselves. Premia Solutions helps achieve this through a combination of innovation, support, and profitability.
1. Enhancing Customer Loyalty
By offering high-quality protection products, dealer groups can enhance the overall customer experience. When drivers know that their vehicles are covered against common risks, they are more likely to return for future purchases or recommend the dealer to others.
2. Creating Additional Revenue Streams
Add-on insurance products represent a significant source of non-vehicle income for dealerships. Premia Solutions equips partners with fully managed solutions, sales support, and marketing materials that help maximise profit without adding operational complexity.
3. Streamlining Claim Processes
Premia Solutions invests heavily in digital infrastructure to simplify claims for customers and dealers alike. Their online platforms allow quick, hassle-free submissions, tracking, and resolution, ensuring satisfaction and efficiency at every stage.
4. Supporting Sustainability and Quality Standards
By promoting repair and maintenance over replacement, Premia Solutions indirectly supports sustainability goals. Protecting vehicles from unnecessary damage and ensuring long-term usability contributes to a more environmentally conscious automotive ecosystem.
The Impact of Fortegra’s Partnership
In 2023, Premia Solutions entered a new growth phase when Fortegra Group, Inc., a global specialty insurer, acquired a majority interest in the company. This partnership has strengthened Premia’s financial position and expanded its access to advanced technology and international expertise. With Fortegra’s backing, Premia Solutions is now better positioned to innovate and explore potential markets beyond the UK and Ireland.
This acquisition also reassures dealer partners that the company’s long-term stability is secure. Fortegra’s international network and experience in underwriting complex protection products further enhance Premia Solutions’ credibility within the industry.
Commitment to Dealers and Customers
Premia Solutions is driven by a customer-first philosophy that extends to both dealer partners and vehicle owners. Their service model prioritises transparency, fairness, and responsiveness. From initial onboarding to ongoing support, every step is designed to create a smooth, positive experience.
The company also places great emphasis on staff training and education. Their dealer partners receive in-depth product training and compliance guidance, ensuring every sales representative can confidently explain the benefits of each protection product to customers. This focus on knowledge transfer empowers dealers to achieve higher satisfaction rates and stronger sales outcomes.
Digital Transformation and Future Vision
As technology continues to redefine the automotive landscape, Premia Solutions remains at the forefront of digital transformation. The company is actively developing online platforms and data-driven tools that make it easier for partners to manage policies, monitor performance, and engage customers.
In the future, Premia Solutions aims to integrate AI-based claim processing, predictive analytics, and enhanced mobile capabilities to deliver faster, smarter service. The ultimate goal is to create a fully connected insurance experience that aligns with the modern digital car buyer’s expectations.
Beyond technology, the company is also exploring expanded partnerships with electric vehicle (EV) manufacturers and sustainability-focused initiatives. As EV adoption grows, new forms of insurance protection will be needed — an area where Premia Solutions’ adaptability gives it a clear advantage.
Customer Experiences and Reviews
The true strength of any insurance provider lies in the satisfaction of its customers. Premia Solutions has built a solid reputation among drivers across the UK and Ireland for its quick response times, clear communication, and fair handling of claims.
Many reviews highlight the convenience of the company’s online claim submission system and the professionalism of its support staff. Customers appreciate that their concerns are resolved efficiently, and repairs are carried out to high standards. While some users mention occasional delays due to scheduling or repair shop availability, the overwhelming majority express confidence and satisfaction with the service.
Such positive sentiment reinforces the company’s position as a leading name in automotive protection and further strengthens its brand image for dealers and brokers.
Why Premia Solutions Stands Out in the Market
The automotive insurance and warranty industry is competitive, but Premia Solutions has established itself as a leader through several distinguishing factors:
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Longevity and Experience: Over two decades of consistent performance.
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Comprehensive Product Range: From GAP to cosmetic repair and tyre protection.
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Dealer-Focused Flexibility: Fully customisable, white-label solutions.
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Regulatory Strength: FCA authorised and compliant with UK standards.
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Customer-Centric Values: Quick claims, transparent policies, reliable support.
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Strong Financial Backing: Partnership with Fortegra Group ensures stability and innovation.
These strengths create a combination that few competitors can match — making Premia Solutions a preferred choice for many of the UK’s top automotive dealer groups.
Conclusion: The Future of Automotive Protection with Premia Solutions
Premia Solutions has firmly established itself as a cornerstone of the UK and Ireland’s automotive insurance landscape. Its unwavering commitment to quality, innovation, and customer satisfaction has transformed the way dealers and brokers deliver value to their customers. By offering a full suite of add-on protection products — including GAP, tyre, alloy, paint, and fabric cover — Premia Solutions not only protects vehicles but also builds lasting relationships between dealerships and drivers.
With the support of Fortegra Group and a clear focus on digital innovation, Premia Solutions is poised to lead the next generation of automotive protection. For dealer groups seeking a trusted partner that delivers compliance, profitability, and customer loyalty, Premia Solutions represents the ideal blend of tradition and transformation.
In an ever-evolving automotive market, one thing remains constant: Premia Solutions continues to drive confidence, trust, and innovation — protecting vehicles, empowering dealers, and shaping the future of car ownership.
