What Filiassur does

Filiassur SAS is a French insurance broker founded in 2007 and headquartered in Paris, specializing in the distance-selling of personal contingency (prévoyance) and personal-lines insurance products to individuals and families. The company operates as an intermediary (courtier) and distributes a portfolio of approximately 16 products underwritten by a panel of partner carriers including AMTrust, Groupe Prévoyance, Império, CCMO Mutuelle, MIP, Klésia, AXA Assistance, and Mondial Assistance. Product categories span health and protection (Garantie Hospitalisation, Prévoyance Décès, Capital Autonomie, Accident de la Vie, Accident, Santé, Assurance Emprunteur), property and auto (Habitation, Auto, Auto+, Moto, Moto+), pet (Animaux), and legal protection (Easy Route, Confort de vie, Confort de vie+).

The business runs on a multi-channel distribution model — website (filiassur.fr), phone (0 977 400 600 with extended hours including Saturday), and chat — supported by a customer portal (Espace Client) for policy administration and claims. No proprietary underwriting or AI technology is disclosed; the technology layer is essentially a web distribution platform with telemarketing and customer-service operations. Operational capacity is delivered through a Le Havre management and customer-service hub (opened 2009), a Tunis back-office and IT center, and international subsidiaries in Madrid and Rome (both opened 2014). Total headcount is approximately 600, serving a stated 300,000-client base across France, Tunisia, Spain, and Italy.

Revenue is generated through brokerage commissions on monthly subscription premiums ranging from €4.11 to €69.36 depending on product and coverage tier. Customers are primarily French individuals and families (Particuliers), with secondary segments of self-employed (TNS) and micro-businesses (TPE). The company has been institutionally backed by Initiative & Finance (2011) and Tikehau Capital ($30M, 2018). Average claims processing time is reported at 5 days, and 2 million euros in indemnities were paid in 2018.

Name

Filiassur

Legal name

Filiassur SAS

Website

https://filiassur.fr

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

251–500 employees

Short description

Filiassur is a French insurance broker founded in 2007 that distributes personal contingency and personal-lines insurance products via distance channels to 300,000 individual and family clients across France, Tunisia, Spain, and Italy.

Ownership category

akta.pro rank

Product category

Insurance Brokerage (Personal Contingency and Protection Insurance)

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Carriers and Related Activities (524)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Individual/Retail Critical Illness & Hospital Indemnity (FSAIAKAE)

Keywords

• Personal insurance brokerage
• Contingency insurance products
• Distance insurance distribution
• Health and prévoyance insurance
• Motor vehicle insurance

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: Filiassur operates as an insurance broker distributing insurance products from partner insurers (AMTrust, Prévoir, Imperio, CCMO, MIP, Klésia, AXA Assistance, Mondial Assistance). Revenue is generated through brokerage commissions on insurance premiums collected from customers.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Filiassur is a French insurance broker (courtier en assurance) that distributes personal contingency and protection insurance products to individuals and families through distance channels (website, phone and chat). Its portfolio covers hospitalization indemnity, death/disability capital, loss of autonomy, daily-life accident, health, home, auto, motorcycle, pet, legal protection and borrower insurance, underwritten by partner carriers. Revenue is generated through brokerage commissions on insurance premiums.

Product overview

Filiassur is a direct insurance broker specializing in personal insurance distribution since 2008. The company offers a comprehensive portfolio of 16 core and add-on insurance products organized into four categories: (1) Health & Protection products (Garantie Hospitalisation, Prévoyance Décès, Capital Autonomie, Accident de la Vie, Accident, Santé, Assurance Emprunteur); (2) Property & Auto products (Habitation, Auto, Auto +, Moto, Moto +); (3) Specialized coverage (Animaux); and (4) Legal Protection services (Easy Route, Confort de vie, Confort de vie +). The product architecture follows a modular approach where base products can be enhanced with '+' variants for high-risk profiles. All products include assistance services and emphasize simple procedures with minimal formalities.

Differentiator

Problem solved

Functional benefit

Products and services

• Garantie Hospitalisation Hospitalization indemnity insurance that pays a daily allowance up to €200 for hospital stays due to accident or illness, with no medical questionnaire, family coverage and a 1-day deductible. Adhésion 18-64 years; aimed at individuals and families seeking supplementary income during hospitalization.
• Prévoyance Décès Death and permanent total disability insurance providing capital up to €20,000 to beneficiaries in case of death or PTIA by accident, with no health questionnaire, tax advantages and a couple discount. Adhésion 20-54 years; targeted at individuals protecting their dependents.
• Capital Autonomie Loss-of-autonomy insurance that pays a capital up to €20,000 to anticipate costs of loss of independence, combined with home care services and assistance. Adhésion 40-75 years; aimed at older individuals and their families.
• Accident de la Vie Daily-life accident insurance covering physical and economic damages with indemnities up to €1 million, including death capital of €22,000 and family protection, with no waiting period and no deductible. Adhésion 18-74 years; for individuals and families seeking accident-related protection.
• Accident Accidental death insurance providing capital up to €800,000 to protect loved ones in case of accidental death, with fixed premiums from €12 per month, no waiting period and no deductible. Adhésion 25-64 years.
• Santé Complementary health insurance covering medical expenses including hospitalization, consultations, optics, dental, maternity, pharmacy and alternative medicine, with tier-based guarantees and family protection. Adhésion 18-85 years; from €14.09/month with a 30-day waiting period for hospitalization.
• Habitation Home insurance protecting residences up to 13 rooms with two guarantee formula options, covering legal protection, garden damage, pool coverage and appliance breakdown. Adhésion from 18 years; from €11.10/month with no waiting period.
• Auto Auto insurance with three guarantee levels including civil liability, driver protection up to €750,000, and coverage for fire, theft, natural disasters and all-risk accidents. From €22.60/month for license holders with more than 3 years; no waiting period.
• Auto + (Risques Aggravés) High-risk auto insurance for drivers with interrupted insurance, penalty points, suspended licenses or alcohol-related incidents, with three guarantee levels and driver coverage up to €160,000. Adhésion from 25 years; from €69.36/month.
• Moto Motorcycle insurance with five guarantee levels, pilot protection up to €200,000, death capital up to €200,000 and coverage for point recovery courses and license retesting. From €15.60/month for motorcycle license holders.
• Moto + (Risques Aggravés) High-risk motorcycle insurance for cancelled, penalized or suspended license holders, with four guarantee levels and pilot protection up to €200,000. Adhésion 25-74 years; from €36.15/month.
• Animaux Pet insurance covering dogs, cats, rabbits and ferrets for accident, illness and surgery costs, with death capital and assistance for lost-pet recovery, available in four formulas with varying deductibles. From €9.60/month.
• Protection Juridique Easy Route Legal protection insurance focused on automobile-related matters, including administrative assistance for license and registration, driver protection and coverage for point recovery courses. From €14.90/month.
• Protection Juridique Confort de vie Daily-life legal protection covering all household members across consumption, housing, work, inheritance and neighborhood domains, with justice costs coverage up to €16,000. Adhésion from 18 years; €9.90/month.
• Protection Juridique Confort de vie + Enhanced daily-life legal protection adding complete administrative assistance, medical teleadvice service, e-reputation protection and identity-theft specialized service. Adhésion from 18 years; €14.90/month with no waiting period and no deductible.
• Assurance Emprunteur Borrower insurance covering loan repayments in case of death or disability, with simplified health questionnaire, competitive rates guaranteed throughout the contract duration and 100% bank-compatible guarantees; positioned for self-employed workers (TNS) and individuals taking out personal or professional loans.

Quantifiable outcome

• 2 million euros indemnities paid out in 2018
• +2 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered core and minor.

• AMTrustcoreStrategic or Co-development PartnerAMTrust provides insurance for the Garantie Hospitalisation product, enabling daily indemnity payments in case of hospitalization.
• Mutuelle MIPcoreStrategic or Co-development PartnerFounded 1929, Mutuelle MIP provides complementary health and prévoyance coverage. Partnership includes Garantie Hospitalisation product for indemnity and comfort during hospitalization.
• Mondial Assistance (Groupe Allianz)coreStrategic or Co-development PartnerMondial Assistance provides 24/7 worldwide assistance services for the Filiassur Décès Accidentel product, covering health and personal services.
• Klésia MutcoreStrategic or Co-development PartnerKlésia Mut strengthens health coverage for members. Partnership focuses on prévoyance products including Accident de la Vie.
• CCMO MutuellecoreStrategic or Co-development PartnerCCMO Mutuelle distributes dependency/loss of autonomy products to support and accompany loved ones in daily life.
• Império AssurancescoreStrategic or Co-development PartnerFounded 1971, Imperio is a specialist in personal insurance with expertise in prévoyance and savings. Provides Filiassur Hospitalisation and Prévoyance Décès products.
• Groupe PrévoircoreStrategic or Co-development PartnerCreated 1910, Prévoir is an independent private insurance group specializing in personal insurance: prévoyance, health, dependency, savings, and retirement. Provides Hospitalisation and Accident products.
• AXA AssistancecoreStrategic or Co-development PartnerAXA Assistance is an international player present in 34 countries with intervention capacity in 200+ states. 24/7 customer support, part of AXA Group providing financial solidity.
• Havre Athletic Club (HAC)minorGTM or Marketing PartnerSports partnership with Le Havre football club. Collaborates on training phases and medical staff, promoting health prevention values. Organizes regular competitions on Facebook pages.

Scale indicators8 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Henner: French insurance broker specializing in group health, prévoyance, and individual benefits with significant international presence. Comparable French broker with similar multi-carrier distribution model, though more focused on B2B/group contracts.
• SPB: French insurance broker specialized in affinity insurance (insurance embedded in retail/distributor partnerships) and personal insurance products. Comparable multi-carrier French broker with similar product breadth across personal lines.
• April Group: French insurance broker group distributing personal and professional lines including health, prévoyance, auto, and home. Comparable as a multi-product French insurance broker, though larger and more diversified across B2B segments.
• Assurpeople: French direct-to-consumer insurance broker specializing in personal insurance products including health, prévoyance, auto, and home. Closest direct competitor to Filiassur in the French distance-brokerage model targeting individuals and families.

Emerging players

• Alan: French health insurance carrier with a fully digital platform for individual and small-group health coverage. Comparable as a French distance-distribution insurance player serving individuals with simplified products, though operating as a carrier rather than broker.
• Acheel: French digital insurance broker offering home, auto, health, and personal insurance via online subscription. Emerging insurtech broker using a comparable distance-distribution model but with a more digital-first interface than Filiassur's telemarketing-led approach.
• Lovys: French insurance startup offering home, auto, and personal insurance via a digital subscription model with monthly flexibility. Comparable as an emerging French distance-insurance player targeting individuals with simplified, modular coverage — a more digital-native competitor to Filiassur's telemarketing model.
• Luko: French insurtech offering home insurance with embedded technology and a direct digital model, acquired by Allianz in 2023. Comparable as a French distance-distribution insurer competing for similar individual customers, but with a more tech-centric, app-first model.

Broad incumbents

• Mutuelle Générale: Large French mutual health insurer offering individual health and prévoyance coverage. Comparable as a French personal insurance provider competing for the same individual prévoyance customers, but operating as a mutual carrier with its own underwriting.
• Direct Assurance (Groupama): French direct-distribution auto and home insurance subsidiary of Groupama, one of the largest French mutual insurers. Competes in the same distance-distribution category but as a carrier-owned subsidiary with proprietary underwriting rather than broker model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/filiassur
• Facebookfacebook.com/Filiassur
• LinkedInlinkedin.com/company/filiassur

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries3 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Filiassur