Wilov

What Wilov does

Wilov is a French insurance technology company headquartered in Paris (15 rue Linné, 75005) that operates as France's first permanent usage-based auto insurance provider under the 'Pay When You Drive' proposition. Founded in 2016 as WILOV, Société par Actions Simplifiée (RCS Paris 822 100 665), the company delivers all-risk auto insurance entirely through a mobile-first channel, allowing customers to obtain a quote in under two minutes and complete a subscription in under ten minutes through a smartphone application on iOS and Android, with an optional video-conference onboarding flow for guided support.

The technical platform is built around a Bluetooth Low Energy (BLE) badge placed in the vehicle's cup holder, which uses background location and activity recognition to automatically detect trips and activate a 24-hour driving pass without user intervention; customers may opt out and declare trips manually. Pricing follows a hybrid model combining a fixed monthly base fee (typically €15-€40 depending on driver and vehicle profile) with a per-driving-day charge (typically €1-€5) levied only on days the customer actually drives, with no kilometer cap within each driving day. The portfolio includes the core product for occasional drivers, wilov Novices for drivers under 21 or with under three years of license (with a €25 nighttime surcharge), wilov Collection for vehicles over 25 years old, and a fleet insurance variant for Getaround and Turo hosts. The company is registered as an insurance broker with ORIAS under number 16-006-200, and all contracts are underwritten by Suravenir Assurances, a subsidiary of Crédit Mutuel Arkéa, which also holds a minority equity stake taken in 2019. Total disclosed funding is approximately $4.2M across two rounds (2016 seed and 2019 Series 2 led by Crédit Mutuel Arkéa alongside InnovAllianz).

Wilov generates revenue primarily through commission on premiums underwritten by Suravenir, supplemented by a usage-based fee component on driving days and a €25 novice nighttime forfeit. Distribution is exclusively digital: the iOS and Android apps, a vehicle-specific SEO website with 70+ brand landing pages, the editorial blog at blog.wilov.com, and earned media coverage in French business press. The company has accumulated 50K+ Google Play downloads, an App Store rating of 4.8/5 across 3,500+ reviews, and an Apple App Store 'Coup de coeur' designation. Operations are confined to France, with a small headcount of approximately 18 team members listed on the company site, and the insurance offers exclude vehicles registered in Iran, Morocco, and Tunisia.

Name

Wilov

Legal name

WILOV, Société par Actions Simplifiée

Website

https://wilov.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

Wilov is a Paris-based insurtech offering France's first Pay-When-You-Drive usage-based auto insurance, charging a monthly base fee plus a per-driving-day fee via a mobile app with BLE trip detection, underwritten by Suravenir (Crédit Mutuel Arkéa) for occasional drivers, novices, collectors, and car-sharing fleet hosts.

Ownership category

akta.pro rank

Product category

Usage-Based Auto Insurance

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAJAAAC

Pay-Per-Mile Personal Auto Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Personal Auto Insurance

SECONDARYFSAJAAAA

Standard Personal Auto Insurance (Liability, Collision & Comprehensive)

Financial & Insurance/Insurance — Motor, Property & Casualty/Personal Auto Insurance

SECONDARYFSAJAMAC

Motor Vehicle Liability Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Motor Vehicle Liability Insurance

Keywords

• Usage-based auto insurance
• Pay-when-you-drive insurance
• Mobile car insurance
• Infrequent driver coverage
• Insurtech broker

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Usage-Based Auto Insurance Premiums: Wilov generates revenue through a hybrid subscription + usage model: customers pay a fixed monthly base fee plus a per-driving-day charge (e.g., €15-40/month base + €1-5/day per 24h driving period). No kilometer limit within a driving day. Pricing varies by driver profile, vehicle, and bonus/malus. This is the primary revenue stream.
2. Novice Driver Danger Forfeit Add-On: For novice drivers (under 21, less than 3 years license, or less than 1 year insurance history), an additional €25 'danger forfeit' is charged per nighttime driving event (00:00-06:00), providing additional premium revenue from a higher-risk segment.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Wilov provides the first permanent Pay-When-You-Drive (usage-based) auto insurance product in France. Policyholders pay a fixed monthly base fee plus a per-day charge only on the days they actually drive, with no kilometer limit within each 24-hour driving period. All-risk coverage with 0 km roadside assistance is bundled, and subscription, document verification, trip declaration, and claims handling are conducted entirely via a smartphone app, with an optional video onboarding call. Wilov operates as an insurance broker (ORIAS n\u00b016-006-200) with contracts guaranteed by Suravenir Assurances.

Product overview

Wilov operates as a single unified product — the Pay-When-You-Drive (usage-based) auto insurance — available through three main offer variants: the core standard offer for regular drivers, the Novices sub-product for young or inexperienced drivers with night-driving surcharges, and the Collection sub-product for vintage vehicles over 25 years. All offerings share the same all-risk, usage-based billing model and are managed entirely through the wilov Mobile App (iOS and Android), with optional BLE Bluetooth Badge hardware for automatic trip detection. A separate fleet insurance solution targets car-sharing platform owners (Getaround/Turo). The wilov Blog complements the product as an educational content channel. The company acts as an insurance broker (ORIAS n°16-006-200) with contracts underwritten by Suravenir Assurances (Crédit Mutuel Arkéa group).

Differentiator

Problem solved

Functional benefit

Products and services

• wilov Pay-When-You-Drive Auto Insurance Core usage-based auto insurance product. Policyholders pay a fixed monthly base fee plus a per-day charge only on the days they drive, with all-risk coverage and 0 km roadside assistance included. Subscription, trip declaration, and claims are managed entirely through the wilov mobile app. Targeted at French drivers who use their vehicle fewer than 7 days per week.
• wilov Novices Dedicated variant of wilov's usage-based auto insurance for novice drivers. Includes a \u20ac25 'danger forfeit' surcharge per night driving trip between 00:00 and 06:00, and offers 3 free taxi assists per year to discourage night driving. Pricing is adapted to the higher-risk profile of under-21 or recently licensed drivers.
• wilov Collection Usage-based auto insurance tailored to vintage or collector vehicles over 25 years old. Provides all-risk coverage with the same Pay-When-You-Drive billing as the core product; bonus/malus coefficients are not applied to this contract.
• wilov Mobile App (iOS and Android) Primary platform for subscription, trip declaration, claims management, driving pass activation, consumption tracking, and customer support. Available on iOS (with Apple Watch companion app) and Android. Includes video-conference subscription, Face ID/Touch ID authentication, lock screen widgets, Siri shortcuts, and manual or BLE-badge-triggered trip declaration.
• wilov Fleet Insurance for Car-Sharing Platforms All-risk fleet insurance product for vehicle owners who list 2\u20138 vehicles on peer-to-peer car-sharing platforms such as Getaround and Turo. Coverage is designed for commercial rental usage of multiple vehicles.

Quantifiable outcome

• Customers can save up to 50% on all-risk auto insurance vs. traditional insurers
• +3 more outcomes

Named customers9 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core, minor and emerging.

• Suravenir AssurancescoreOthersSuravenir Assurances, a subsidiary of Crédit Mutuel Arkéa Group, is the insurance guarantor for all Wilov auto insurance contracts. It provides the regulatory insurance backing and handles claims processing, while Wilov operates as the technology and distribution layer (insurance broker registered with ORIAS under number 16 006 200).
• OVHminorOthersOVH is the hosting provider for the Wilov website and digital infrastructure, providing server hosting services from its Roubaix, France data center.
• Getaround & TuroemergingStrategic or Co-development PartnerWilov has developed a dedicated fleet insurance product for owners who rent their vehicles on the Getaround and Turo peer-to-peer car-sharing platforms. This covers scenarios where multiple vehicles (2-8+) are used for commercial rental purposes.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Market position

Strengths5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/wilov_fr
• Facebookfacebook.com/wilovfrance

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds2 records

Investors2 records

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 Wilov