Sharelock
Sharelock is France's first 100% bike-focused insurance broker, distributing multi-tiered bicycle insurance (mechanical, e-bike, cargo) via a proprietary mobile app with AI photo verification and theft-risk mapping, serving individual cyclists, B2B fleets, and municipalities.
- Company typePrivate
- Founded2020
- HeadquartersParis, France
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Sharelock does
Sharelock (legal entity SL Ventures SAS) is a Paris-based insurance broker founded in 2020 by Alexandre Molla (CEO) and Nicolas Louvet, operating as the first 100% bicycle-dedicated insurer in France. Registered with ORIAS under intermediary number 21006550, the company distributes bicycle insurance policies underwritten by carrier partners including Seyna (primary, contract n°ZKLGNR), Chubb, AXA, Carma, and Heyme. Coverage spans mechanical bikes, electric bikes (VAE up to 25 km/h), and cargo bikes valued up to €10,000, offered through multiple tiers (Basique casse, Classique, Confort, Premium, plus the 2026 theft-only Basique vol) covering partial and total theft, breakage, vandalism, personal accidents, and 24/7 assistance worldwide.
The company is built on a proprietary iOS/Android mobile application that integrates three AI-enabled features: Vigipark (computer-vision photo verification that halves deductibles and waives the 21-day waiting period when a bike is shown properly secured), Vigimap (a theft-risk map color-coding streets across eight major French cities), and Vigimove (route tracking with gamified badges). Sharelock earns revenue through commission on recurring annual subscription premiums distributed 100% digitally — via its B2C website/app, a B2B self-serve portal, and embedded/white-label channels including bike retailers (Angell, Shift Bikes, Red Will, Wizzas, Viraj, Stations Bees, Plenita, Baltee), fleet operators (Véligo/Transdev/La Poste Groupe, Mvélo+), and financial-services lenders (Cofidis, Creatis). The company reports 50,000+ insured bikes and 500+ B2B customers and has raised approximately €5M across multiple 2020-2021 rounds including a €4M seed led by BREEGA with Banque des Territoires.
Sharelock firmographics
Firmographics- Name
- Sharelock
- Legal name
- SL Ventures SAS
- Website
- https://sharelock.co
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Sharelock is France's first 100% bike-focused insurance broker, distributing multi-tiered bicycle insurance (mechanical, e-bike, cargo) via a proprietary mobile app with AI photo verification and theft-risk mapping, serving individual cyclists, B2B fleets, and municipalities.
- Ownership category
- akta.pro rank
Sharelock industry classification
Industry- Product category
- Bicycle Insurance
- NAICS
- Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Garage Liability & Dealers (Auto Dealers, Repair Shops) (FSAJABAF)
- akta.pro secondary industries
- P2P Car Sharing Insurance & Risk Services (THADABAC), Shared Mobility Operations & Fleet Services (Charging/Swapping, Rebalancing, Maintenance) (TLAFAMAJ)
Keywords
Where Sharelock is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Sharelock business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Bicycle Insurance Premiums: Sharelock generates revenue through recurring annual subscription premiums paid monthly or annually by individual cyclists and businesses. Premiums are calculated based on the bike's value, the policyholder's location in France, and the selected coverage pack (Basique, Classique, Confort, or Premium). The company acts as an insurance broker distributing policies underwritten by insurance carrier partners (Seyna, Carma, Chubb, Axa, Heyme) and earns commission on each policy sold and renewed. B2B fleet policies (e.g., Véligo, Mvélo+) are billed per insured bike in a fleet.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Basique casse — Covers breakage and vandalism only |
| Subscription | Annual | Classique — Covers theft (partial and total) and breakage/vandalism |
| Subscription | Annual | Confort — Theft + breakage + standard assistance |
| Subscription | Annual | Premium — Full coverage including assistance premium and replacement bike |
| Subscription | Annual | Basique vol — Theft-only coverage, introduced 2026 |
Go-to-market motion2 records
Distribution channels7 records
Marketing channels8 records
Sharelock product offering
Product offeringCore offering
Sharelock is a Paris-based digital-first insurance broker selling bicycle insurance coverage in France through a proprietary mobile app and online platform. It distributes tiered insurance plans (Basique casse, Classique, Confort, Premium, Basique vol) underwritten by carrier partners such as Seyna, Chubb, Axa, Carma, and Heyme, while adding AI-powered cyclist tools (Vigimap theft-risk map, Vigipark photo verification, Vigimove route tracking). Revenue comes from recurring premiums on policies sold to individual cyclists and B2B fleets.
Product overview
Sharelock is France's first 100% bike-focused insurance company, offering a platform of interconnected products and services. The core offering is the Sharelock Bike Insurance platform with multiple formula tiers (Basique casse, Classique, Confort, Premium, Basique vol) providing coverage for theft, damage, vandalism, accidents, and assistance. This is complemented by a companion mobile application featuring AI-powered parking verification (Vigipark), safety mapping (Vigimap), and route tracking (Vigimove). The company also serves B2B segments through professional insurance programs for freelancers, businesses, and fleet operators, as well as white-label partnerships with Véligo, Mvélo+, and Cofidis. The product ecosystem integrates insurance coverage with technology features designed to encourage secure parking behaviors and reward responsible cyclists.
Differentiator
Problem solved
Functional benefit
Products and services
- Sharelock Bike Insurance (Assurance vélo) Comprehensive bike insurance offering tiered formulas (Basique casse, Classique, Confort, Premium, Basique vol) protecting individual cyclists against theft, damage, vandalism, accidents, and personal injury for standard bikes, electric bikes (VAE up to 25 km/h), and cargo bikes valued up to 10,000 euros. Coverage is available nationwide in France with a 1-year commitment and monthly or annual billing.
- B2B Professional Bike Insurance (Assurance vélo des pros) Tailored bike insurance solutions for professionals including freelancers, businesses, bike rental companies, bike dealers, brokers, and local authorities. Enables companies to insure employee bike commuting or integrate insurance into their platforms, purchased through a dedicated B2B self-serve portal.
- White-Label Fleet Insurance (Véligo, Mvélo+, Cofidis) White-label and co-branded fleet insurance programs for bike-share and commuter bike fleets operated by Véligo Location (Transdev and La Poste Groupe) in the Paris region and Mvélo+ in the Greater Montpellier area, plus insurance embedded into Cofidis and Creatis personal loan products for bicycles. Programs use customized IPIDs, conditions particulières, and information sheets per partner.
- Sharelock Mobile Application Companion mobile application available on iOS and Android that delivers Vigimap (street-level theft risk map), Vigimove (automatic route tracking with statistics), Vigipark (AI photo verification of parked bike for reduced deductibles and waived waiting period), loyalty badges, and in-app policy purchase and claims management. The app is also available without purchasing insurance as a free top-of-funnel acquisition tool.
Quantifiable outcome
- 32% of insured cyclists report cycling more thanks to their insurance coverage
- +3 more outcomes
Companies that use Sharelock
Customer profileNamed customers13 records
Segments7 records
Ideal customer profiles6 records
Sharelock technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability3 records
Feature4 records
Sharelock partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- SeynacoreSeyna is the primary insurance carrier (assureur porteur) underwriting Sharelock's individual bicycle insurance policies under contract n°ZKLGNR. Sharelock acts as insurance broker (courtier), managing adhesions, claims, and complaints on behalf of Seyna. Seyna is a French SA with capital of €1,115,800.42, headquartered at 20 bis rue Louis Philippe, 92200 Neuilly-sur-Seine.
- ChubbminorChubb is listed as one of the insurance carrier partners for certain Sharelock insurance contracts, alongside Seyna, Carma, Axa, and Heyme.
- AXAminorAXA serves as the assistance services provider for Véligo fleet insurance contracts, providing the contractual assistance conditions (Conditions contractuelles assistance AXA). AXA is also listed as a carrier partner for certain Sharelock contracts.
- CarmaminorCarma is listed as one of the insurance carrier partners for certain Sharelock insurance contracts.
- HeymeminorHeyme is listed as one of the insurance carrier partners for certain Sharelock insurance contracts.
- VéligocoreVéligo Location (operated by Transdev and La Poste Groupe) is a flagship public bike-share program in the Paris region offering long-term rental of bikes (including VAE and cargo bikes). Sharelock provides white-label fleet insurance for Véligo bikes under a dedicated insurance program with its own IPID, conditions particulières, and AXA assistance. This is one of Sharelock's most prominent B2B partnerships, covering a large urban fleet.
- Mvélo+coreMvélo+ is the metropolitan bike-share program for the Greater Montpellier area. Sharelock provides a dedicated fleet insurance program for Mvélo+ bikes, with specific IPID, conditions particulières, and information sheets tailored to the Montpellier program.
- CofidisminorCofidis distributes Sharelock-underwritten personal loan insurance for bicycles through its lending platform. Customers financing a bike purchase through a Cofidis personal loan can add bike insurance as part of the financing package.
- CreatisminorCreatis distributes Sharelock-underwritten personal loan insurance for bicycles, similar to the Cofidis model, embedding insurance into the bike financing purchase flow.
- PlenitaminorPlenita is a digital distribution platform for insurance products. Sharelock partners with Plenita to reach end customers through its platform network.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Sharelock competitors and assessment
Company assessmentDirect peers
- PedalSure: UK bicycle insurance broker covering theft, damage, race use, e-bikes and accessories. Comparable to Sharelock as a specialist bike broker with tiered cover and digital distribution.
- Bikmo: UK-based specialist bicycle insurance provider offering standalone and fleet cover for commuters, e-bikes and racing cyclists. Directly comparable to Sharelock as a niche bike-only insurer with similar product structure (theft, damage, accident) and a digital-first distribution model.
- Velosurance: US bicycle insurance specialist covering road, mountain, e-bikes and recumbents against theft and damage. Closely comparable to Sharelock in product scope, target customer (individual cyclists) and broker/distributor model.
- Laka: UK/Netherlands cycling insurance provider using a peer-to-peer collective model. Highly comparable to Sharelock in target vertical (bicycles), digital-first onboarding and community-driven growth mechanics.
- Cycleplan: UK bicycle insurance specialist offering theft, accidental damage and personal accident cover. Comparable to Sharelock's core B2C product and pricing structure across tiered coverage packs.
Broad incumbents
- Bought By Many (Many Pets): UK digital-first specialist insurer (now Many Pets) that used niche vertical focus and digital UX to scale. Comparable to Sharelock in the playbook of building a category-defining digital insurance brand around an underserved customer segment.
- Luko: Paris-based digital insurer (acquired by Allianz) offering home and mobility insurance. Comparable to Sharelock as a French digital-native insurance challenger pushing embedded and app-led distribution, though broader in product scope.
- Hiscox: Global specialty insurer with significant UK/EU presence in personal lines including bicycles. Comparable to Sharelock as a specialist insurer operating in adjacent niche personal lines (artisan, professional, bike) and underwriting some niche digital products.
- Lemonade: US-listed AI-driven digital insurer with mobile-first UX and behavior-based pricing. Comparable to Sharelock in the use of app engagement and AI to influence premiums and claims, though operating in much broader lines of business.
Others
- Seyna: French insurance-as-a-service carrier that is Sharelock's primary underwriting partner for individual policies. Comparable as an embedded-insurance/MGA infrastructure player enabling digital distributors like Sharelock to launch insurance products without holding a license.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Sharelock social profiles
Digital presenceSharelock compliance and trust
Trust signalCompliance2 records
Sharelock financial estimates
Financial estimateRevenue estimate
Valuation estimate
Sharelock leadership team
Management profileNumber of profiles
Profiles2 records
Sharelock funding detail
Funding detailFunding overview
Funding rounds4 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Sharelock M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Sharelock
What does Sharelock do?
Sharelock is a Paris-based digital-first insurance broker selling bicycle insurance coverage in France through a proprietary mobile app and online platform. It distributes tiered insurance plans (Basique casse, Classique, Confort, Premium, Basique vol) underwritten by carrier partners such as Seyna, Chubb, Axa, Carma, and Heyme, while adding AI-powered cyclist tools (Vigimap theft-risk map, Vigipark photo verification, Vigimove route tracking). Revenue comes from recurring premiums on policies sold to individual cyclists and B2B fleets.
Is Sharelock a public or private company?
Sharelock is a private company. It is classified as venture growth investor backed and is currently operating.
When was Sharelock founded?
Sharelock was founded in 2020. It employs 11 to 50 people.
Where is Sharelock based?
Sharelock is headquartered in Paris, France, in the Europe region.
How does Sharelock make money?
One revenue line is on record: bicycle Insurance Premiums.
Who are Sharelock's main competitors?
Direct peers on record are PedalSure, Bikmo, Velosurance, Laka and Cycleplan. Broad incumbents are Bought By Many (Many Pets), Luko, Hiscox and Lemonade. Seyna is listed as an others.
Does Sharelock have an API?
No public API is recorded for Sharelock.
What industry is Sharelock in?
Sharelock's product category is Bicycle Insurance. Its primary akta.pro industry code is FSAJABAF, Garage Liability & Dealers (Auto Dealers, Repair Shops), with a secondary code of THADABAC, P2P Car Sharing Insurance & Risk Services. Its NAICS code is 524210 and its SIC code is 6411.