About us

The roots of DEFEND date back to 1994. Since then, we have built our expertise in the field of complementary services and products in the automotive industry in Czech Republic and have strengthened our position in other Central and Eastern European countries.

DEFEND GROUP's main pillars within the automotive industry:

DEFEND Reports:

DEFEND At a Glance 2016/2017

DEFEND At a Glance 2017/2018

DEFEND At a Glance 2018/2019

  • Insurance
  • Protection
  • Safety
  • Digital Presentation

DEFEND INSURANCE GROUP (insurance division) has grown significantly over the past 5 years and has established a strong position in all 5 markets with long-term and strong relationships with its key partners.

An ultimate testimony on our positive development during the last years is the investment in DEFEND INSURANCE GROUP by a major A-rated US insurer, Fortegra Financial Corporation. This move established DIG as a long term player in the market with considerable financial and insurance backing, and represents an exciting development for us.

We provide our customers with innovative insurance solutions through more than 900 new and used cars dealers, insurance brokers and authorized representatives with a focus on GAP (Guaranteed Asset Protection), extended warranty for new and used passenger cars and trucks and S.M.A.R.T. insurance, covering non-mechanical parts of vehicles, such as bodywork, against cosmetic damage.

We constantly strive to exceed client expectations by developing and delivering market leading products and services. We provide profitable and innovative solutions for our partners and significantly contribute to customer satisfaction and loyalty of clients.

While DEFEND INSURANCE GROUP provides a wide range of insurance products, DEFEND SOLUTIONS GROUP (products division) is developing a strong partnership with the UK market leader GardX International Ltd. to provide the Vehicle Protection System and the innovative online DEFEND SpinCar platform, which allows dealers to present a 360 °view of the exterior and interior of all vehicles.


Fortegra Financial Corporation 

Fortegra Financial Corporation (a Tiptree Inc. company) and its subsidiaries comprise a single-source insurance services provider that offers a range of consumer protection options including warranty solutions, credit insurance, and specialty underwriting programs.

Delivering multifaceted coverage with an unmatched service experience, and long-term financial stability that inspires confidence for Fortegra domestic and international partners and their customers, Fortegra solves immediate, everyday needs, empowering consumers to worry less and "Experience More".

Download Fortegra Europe Insurance Company's A.M. Best Rating Report here.

Lloyd’s Brussels

Lloyd’s Brussels is Lloyd’s first Europe wide operation, established to bring the scale, expertise and capacity of the world’s specialist insurance market closer to its customers in Europe through a locally staffed and regulated insurer.

Lloyd’s Brussels benefits from the market’s financial strength through the Central Fund and has the same financial ratings as Lloyd’s, AM Best (A “excellent”), Standard & Poor’s (A+ “strong”) and Fitch (AA- “very strong”). The company is authorised and regulated by the National Bank of Belgium and capitalised under Solvency II rules.

Lloyd’s of London

Three of our five DEFEND INSURANCE GROUP companies can boast the status of Coverholder at Lloyd´s, namely in Czech Republic, Slovakia and Poland.

Lloyd’s of London is one of the oldest and most respected British insurance markets, in business since 1688. Lloyd's currently enjoys an A rating from A.M.Best corporation, A + from Standard &Poors, and AA rating from Fitch.

DEFEND INSURANCE works closely with Lloyd's 5820 syndicate (AmTrust Syndicates Ltd.), which focuses on covering special risks. Operating under Lloyd's binding authorities, DEFEND INSURANCE in Czech Republic, Poland and Slovakia is authorized to bind and administer insurance locally on behalf of Lloyd's of London.

The status of Coverholder at Lloyd's and the DEFEND INSURANCE Authorization are available on Lloyd's website here.

CIG Pannonia

CIG Pannonia is a fast-growing Hungarian insurance company, which has expanded its network of partners and today enjoys a respectable position in the market. In 2010, the company went public and is now registered on the Budapest Stock Exchange.


Acasta European Company Limited is a dynamic and responsive insurer that offers its services and products throughout Europe since 2012. Acasta offers a wide range of insurance products, underwriting capacity and flexible and innovative approaches to insurance.