Your vehicles have a future value. We protect it.
Residual Value Insurance covers the gap between the value you plan for and the value the market delivers.
EU-regulated. Backed by an A-rated European carrier.
Your vehicles have a future value. We protect it.
Residual Value Insurance covers the gap between the value you plan for and the value the market delivers.
EU-regulated. Backed by an A-rated European carrier.
Residual value risk sits on your balance sheet
- why this matters
You forecast what an asset will be worth when it comes back to you. When the market disagrees, you absorb the loss alone - at the exact moment you least want to.
- Forecasts age badly
A value set years ago was set in a different market.
- Loss lands in one block
It arrives all at once, concentrated in a single reporting period.
- Funders notice first
Unprotected exposure shows up in your cost of capital before it hits your P&L.
- One clear promise: planned value vs. realised value
An agreed value is fixed at origination from an independent benchmark. At disposal, any shortfall against that value is pooled and indemnified.
- Agreed value at origination
Set once, fairly! Based on an independent benchmark both sides can trust. No renegotiating, no surprises down the line.
- The insured gap
The difference between agreed and realised value, pooled and settled on a cycle.
- Realised value at disposal
Net proceeds from disposal at end of term or on early exit.
THE PRODUCT
- Operating lessors & asset finance companies
Protect residual assumptions and improve funding terms.
- Subscription & fleet-as-a-service operators
Remove the largest unhedged variable in the unit economics.
- Manufacturers and OEMs
Support stronger posted residuals without carrying the full risk.
- Banks and specialist lenders
Address residual and balloon exposure in a structured way.
- Fleet operators and rental businesses
Turn disposal results into a budgeted line item.
- Investors and ABS arrangers
Improve the risk profile of the underlying collateral pool.
RVI as the smart financial optimization tool
THE COMMERCIAL CASE
- Protection from market moves
Price wars, launches, subsidy shifts and demand swings are covered events, not exclusions.
- Predictable, budgeted cost
Premium is fixed at origination - a known number, not open-ended exposure.
- Cheaper, deeper funding
An insured residual profile supports tighter spreads and cleaner securitisation.
- Capital efficiency
Can be structured for consideration under credit risk mitigation frameworks.
- Write more business
Post stronger offers and enter new markets without betting the balance sheet.
- Audit & investor ready
Fixed benchmarks and documented claims logic, ready for your board and investors.
If it holds value at the end of its life, it can be insured
- Passenger vehicles
Leased, subscribed, financed, or operated fleets.
- Light commercial & delivery fleets
Last mile, service, and rental portfolios.
- Trucks, buses & heavy machinery
Long-cycle assets with deep secondary markets.
Asset mix, geography, contract term, volume, valuation benchmark, and disposal channels. Don't have it all? Tell us what you do have.
- Scoping call
Asset classes, markets, volumes, terms - thirty minutes is usually enough.
- Data review
Share your portfolio data; we tell you fast if it supports pricing.
- Indicative terms
Structure, price, benchmark, and reporting requirements.
- Pilot cohort
Most partners start with a bounded first cohort.
Frequently asked questions
It's an insurance policy on an indemnity basis - a loss must be incurred before a claim is payable. It doesn't pay out on a forecast.
From an independent, published market benchmark at origination. Fixed at that point; neither party can revise it retrospectively.
Per portfolio. Losses are aggregated across the cohort for the period, which smooths individual variance.
A percentage of the agreed value of the insured cohort, fixed at underwriting. Depends on asset class, term, market, and data quality.
Terms are fixed per cohort at origination and documented in the policy schedule.
Yes - priced as separate cohorts, since their value behaviour differs from combustion equivalents.
Asset level reporting on an agreed cycle, via our API or an agreed file exchange.
European markets, depending on asset class and structure - we confirm your specific markets during scoping.
A prudentially regulated, A-rated European carrier. Full details disclosed under NDA during due diligence.
Extended Warranty
For the automotive industry
