Protecting the unexpected
Just Protect partners with automotive finance brokers, lenders, motor dealers and motor trade technology platforms to unlock new growth, incremental revenue, and a smoother, more profitable customer journey. We combine specialist insurance capacity, data-driven digital journeys and practical market experience to help you stand out when everyone is selling the same vehicles, finance products and add-ons.
We work with a panel of UK and global insurers and underwriters, alongside non-insured solution providers, so you can build the right product mix for your customers without being tied to a single scheme. From design through to distribution and post-sale engagement, we focus on clear, compliant customer outcomes and measurable commercial results.
Every journey is designed to plug into your existing systems and processes, whether you operate as a broker, lender, dealer group or technology platform. You stay in control of the customer relationship while we help you strengthen your proposition, improve retention, and grow non-interest income.
Who We Work With
Automotive finance brokers and lenders (prime, near‑prime, and non‑prime).
Franchised and independent motor dealers and dealer groups.
Motor trade and automotive fintech / tech platform providers.
Contract hire and leasing providers looking to enhance in‑life customer engagement and protection products
Digital journeys and compliance
We design and deliver fully digital, FCA-aligned journeys that automate timely product offers throughout the ownership lifecycle. Customers receive clear, targeted communications at the right time, in plain language and through the channels they already use.
Our journeys are built to support Consumer Duty, with a focus on fair value, clear understanding, and good outcomes for all customer segments, backed by MI to evidence those outcomes over time. We work with your compliance teams to ensure products, scripts, disclosures and digital flows meet your policies as well as regulatory expectations.
Event-driven triggers such as vehicle delivery, finance activation, renewal dates and mid-term changes.
Channel-agnostic journeys that support online, telephony and showroom sales without duplicating effort or data.
Clear, step-by-step explanations of coverage, exclusions and costs, avoiding pressure selling and opt-out practices.
Built-in testing, MI and optimisation so you can continually improve conversion and customer experience.
Key outcomes for partners include stronger customer trust, better protection of finance books, incremental non-interest income and improved retention into renewals, workshop and next vehicle sales. All of this is delivered without adding headcount, training burden or extra sales pressure on your brokers, dealers, or agents, helping you reduce cost to serve while improving customer protection.
Consultancy for growth
Alongside product and technology, Just Protect offers flexible consultancy support for automotive finance companies, brokers, lenders, and fintech / platform providers. You can access board-level experience without the fixed cost or commitment of a full-time hire.
Typical engagements include:
- Growth strategy for car finance brokers, digital intermediaries, and lender partners, including channel mix, pricing and proposition.
- Lender and insurer panel development, including new product and revenue opportunities and support with commercial negotiation.
- Broker–dealer and platform network optimisation to improve conversion, retention, process efficiency and customer experience.
- Review and redesign of digital journeys and sales processes in line with Consumer Duty, FCA guidance and emerging best practice.
- Support with launching new propositions, from market sizing and business casing through to pilot and scale-up.
With around 30 years' experience scaling lender and broker operations, building high-performing sales teams and working within FCA-regulated credit and insurance environments, we focus on turning strategy into measurable commercial results. That includes a track record of taking an online motor finance broker from start-up to market leader, building multi-lender panels, and delivering sustained triple-digit year-on-year growth through dealer and broker channels.
Why work with Just Protect?
Partners choose Just Protect when they need more than a single-product supplier.
Deep, practical experience across motor finance, insurance and automotive technology, including board-level roles in partnerships, compliance and business development.
Access to a panel of UK and global insurers and solution providers, not a single tied product or narrow scheme.
Digital journeys that integrate with your existing systems and brand, supporting both online and offline channels.
Proven track record delivering growth, incremental revenue, stronger compliance-led outcomes, and better customer experience.
Flexible engagement models, from product supply and journey design through to full consultancy support.
Unlock the Power of Data
Just Protect Ltd offers a smart digital dashboard that puts control and insights at your fingertips. Car owners can easily track service history, warranties, MOTs, and receive timely reminders, helping to save time and avoid costly repairs. Retailers gain real-time analytics on sales, customer engagement, and marketing effectiveness, enabling smarter decisions and targeted upselling. The platform also facilitates personalised communication, allowing customers to book services or access exclusive offers seamlessly. By turning data into action, Just Protect Ltd enhances both car ownership and dealership operations—making every journey smarter, safer, and more connected.
MOT
Insurance
Extended
Warranty
Gap
Insurance
Paint & Fabric
Protection
We support partners with both insured and non-insured products across the vehicle ownership lifecycle for retail and contract hire customers, across both ICE and EV fleets. Our role is to help you design, distribute and optimise a portfolio that fits your risk appetite, commercial goals and regulatory responsibilities.
We can work on a white-label basis under your brand, as a behind-the-scenes specialist supporting your existing teams, or as a fully managed solution. Commercial terms are flexible, with options to build in new revenue streams, enhanced protection for your finance book and stronger customer loyalty.
Insured products
- Retail and contract hire GAP (including RTI and Finance GAP) tailored to broker, lender and dealer distribution models.
- Warranty and mechanical breakdown style covers designed for different age and mileage profiles.
- Ancillary covers such as tyre, alloy and cosmetic repair style solutions to enhance your F&I and post-sale proposition.
- Excess protection, key cover and other customer value-add insurance products via our panel of UK and global insurers.
- Support with product governance, documentation and clear customer communications to align with FCA rules and Consumer Duty expectations, including evidence of fair value, target market and ongoing outcomes monitoring.
We can help you review your current panel and proposition, identify gaps and overlaps, and introduce new products or capacity where they add value. Pricing, underwriting and claims experience are all considered alongside customer outcomes and operational impact.
Non-insured products and services
- Service plans, MOT plans and maintenance style programmes that strengthen workshop retention and lifetime value.
- Digital customer engagement and post-sale upsell / cross-sell journeys across email, SMS and in-journey prompts.
- Lead nurturing and lifecycle campaigns (from day of delivery through to renewal and repeat purchase) tailored to your customer segments.
- Data, reporting and analytics to track take-up, conversion, claims usage and retention across your broker, lender, dealer or platform channels.
- Support integrating non-insured services into your wider customer journey, from website and online finance journeys through to call centres and showroom processes.
Whether you want to refresh your current product set or build a new portfolio from scratch, book a call and we can help you scope, design and launch a proposition that fits your brand and customers.
Contact
If you'd like to explore how Just Protect could support your broker, lender, dealer group or platform, the simplest next step is to book a call with us. We'll use that time to understand your current journey, goals and constraints, then outline options around products, digital journeys and consultancy support.
- Share a few details about your business, existing partners and what you want to improve, and we'll come back with proposed next steps.