How insurers can use manufacturer quality data to price extended warranty accurately

Mar 30, 2026

Insurers have long priced extended warranty on historical averages. Real-time manufacturer data changes the equation — and the loss ratio.

This article is part of the Rcalls blog, where our team shares perspectives on automotive quality management, warranty operations, extended warranty, and the insurtech connecting them. The full long-form version of this piece is being finalised by our editorial team.

In the meantime, the summary above captures the core argument: connecting quality and claims data — rather than treating them as separate problems — is what allows manufacturers to catch defects earlier, resolve claims automatically, and eventually turn their quality record into a new revenue stream through extended warranty.