What Thélem Assurances does

Thélem Assurances is a French mutual insurance company (Société d'assurance mutuelle à cotisations variables) headquartered in Chécy, Loiret, founded in 1820 and operating through a network of 305 general insurance agencies distributed across central and western France. The company serves individuals, families, professionals, SMEs, farmers, and hobbyists with a full multi-line book including auto (Tiers, Tiers maxi, Tous risques, Tous risques premium), habitation, complémentaire santé, prévoyance and funeral services, emprunteur, protection juridique, professional multi-risk and agricultural lines, and leisure products (hunting, boating, mobile homes). Subsidiary Thélem Prévoyance (SA à Conseil d'Administration, €18M capital) carries the death-capital, family protection, and funeral business.

The technology layer combines traditional policy management and claims processing with three customer-facing digital surfaces: the Espace Assuré self-service portal for contracts, contributions, attestations, and claims; the e-dépannage smartphone feature for real-time tow-truck geolocation; and the MédecinDirect (Teladoc Health France) telemedicine integration that delivers 24/7 teleconsultations and e-prescriptions to santé policyholders. Partnerships with Carte Blanche Partenaires (opticians, audiologists), Mondial Assistance (roadside), the Assercar glass-repair network, and GIE CIVIS (legal protection) extend the service offering without in-house build. No AI/ML, proprietary models, or API/MCP surfaces are disclosed.

Revenue is generated entirely through recurring insurance premiums across personal, professional, and borrower lines, with pricing set by risk-rated quotes handled either through the agent général network (for high-touch and professional products) or via online quote forms that route to agents (for simpler personal lines). The mutualist ownership model means policyholders are sociétaires rather than external shareholders; the legal representative is M. Pascal FELIOT. Headcount sits in the 251-500 band, with 101 open positions signaling active recruitment.

Name

Thélem Assurances

Legal name

Thélem Assurances, Société d'assurance mutuelle à cotisations variables

Website

https://thelem-assurances.fr

Company type

Private

Founded year

1820

Operating status

Operating

Headcount range

251–500 employees

Short description

Thélem Assurances is a French mutual insurer founded in 1820, distributing personal, professional, agricultural, and leisure insurance through 305 general agencies across central and western France, supported by a digital portal and telemedicine, eyewear, and roadside-assistance partnerships.

Ownership category

akta.pro rank

Headquarters

HQ city

Chécy

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums (Personal Lines): Thélem Assurances collects recurring insurance premiums from policyholders across personal lines including auto, habitation (renter, owner, non-occupant), health/mutual, and leisure (hunting, boating, mobil-home) insurance. Thélem Prévoyance handles death capital, family protection, and funeral insurance. Premiums are variable (cotisations variables) reflecting the mutualist structure of the company.
2. Insurance Premiums (Professional Lines): Thélem Assurances generates premiums from professional insurance products including multirisque professionnelle, multirisque agricole, auto professional (fleet, transport, construction equipment, agricultural machines), cyberattack, local commercial, civil liability, health for professionals, prévoyance for professionals and farmers, and legal protection.
3. Insurance Premiums (Borrower Insurance): Thélem Assurances offers insurance for mortgage borrowers (assurance emprunteur), covering outstanding loan balances in the event of death, disability, or incapacity.

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Thélem Assurances is a French mutual insurance company that underwrites and distributes property, casualty, health, family protection, legal protection, borrower, professional, and leisure insurance policies to individuals, families, professionals, and farmers across central and western France. Policies are priced, sold, and serviced through a network of 305 independent general insurance agencies supplemented by digital channels.

Product overview

Thélem Assurances operates as a mutual insurance company offering a comprehensive portfolio of property, casualty, health, and protection products distributed through a network of 305 agencies across central and western France. The core product line includes auto insurance (Assurance Auto with Tiers, Tiers maxi, Tous risques, and Tous risques premium formulas), home insurance (Assurance Habitation for tenants, owners, and non-occupying owners), supplemental health insurance (Complémentaire Santé with 100% Santé, student, family, active, and retiree formulas), and family provident insurance (Assurance Famille & Prévoyance covering death capital, family protection, and funeral services). Additional products include legal protection (Protection Juridique), loan insurance (Assurance Emprunteur), professional multi-risk insurance (Assurance Professionnelle), leisure insurance (Assurance Loisirs for hunting, boats, and mobile homes), motorcycle insurance, and comprehensive vehicle coverage. Digital services include the Espace Assuré customer portal and MédecinDirect telemedicine service. The company also provides innovative features such as e-dépannage for real-time tow truck tracking.

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance Auto

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature3 records

Partnerships

Five partnerships are on record, tiered core and secondary.

• Civis (GIE CIVIS)coreImplementation/ SI/ Consulting PartnerGIE CIVIS is a Groupement d'intérêt Economique handling Protection Juridique (legal protection) claims on behalf of Thélem Assurances. Based at 90 avenue de Flandre, CS 50097, 75940 Paris CEDEX 19. Operates under the regulated legal protection framework pursuant to French Law No. 89-1014 of 31 December 1989 and subsequent amendments. CIVIS manages the intake and processing of legal protection guarantee claims from policyholders.
• Teladoc Health France SAS (MédecinDirect)coreTechnology or IntegrationTeladoc Health France SAS operates the MédecinDirect telemedicine platform integrated into Thélem health insurance contracts. Registered as a SAS with capital of €164,300 at 2 Rue de Choiseul, Paris 75002 (RCS Paris 508 346 673). Provides 24/7 access to generalist and specialist physicians via phone, video, or secure messaging with e-prescription capability, at no additional cost to health policyholders.
• Mondial Assistance (AP Solutions GmbH)coreTechnology or IntegrationAP Solutions GmbH, registered as an insurance intermediary with the IHK under number D-WYYH-2SKW6-10, operates in France through its French branch at 7 rue Dora Maar, 93400 Saint-Ouen-sur-Seine (RCS Bobigny 938 761 764). Provides 24/7 roadside assistance and breakdown services for Thélem auto policyholders. Policyholders contact Mondor Assistance at 01 40 25 16 16 for vehicle recovery, towing to approved garages, and related services.
• Carte Blanche PartenairescoreChannel Partner/ Reseller/ DistributorCarte Blanche Partenaires is a SAS with capital of €100,000 (RCS Paris B 379 301 518) at 5 rue Feydeau, Paris 75002. Operates a network of approved health professionals (opticians and audiologists) integrated into Thélem health insurance plans. Policyholders accessing opticians within the Carte Blanche network benefit from 25–35% below-market pricing on eyewear (averaging €50 savings per lens pair) and negotiated pricing on hearing aids across 2,000+ audioprothésistes partners. The partnership includes a third-party app access from the Thélem customer portal.
• Assercar (Assercar Vitrage, France Pare-Brise, Mondial Pare-Brise, Carglass, Glass Auto Service)secondaryTechnology or IntegrationAssercar is the approved repairer network for glass damage (bris de glace) claims, including its specialized subsidiary Assercar Vitrage, as well as major national brands France Pare-Brise, Mondial Pare-Brise, Carglass, and Glass Auto Service. Thélem auto policyholders are directed to the nearest approved specialist upon glass damage claims, with repairs completed in approximately 30 minutes and no advance payment required.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• MAAF (Covéa): MAAF is a French mutual insurer within the Covéa group, offering auto, home, santé, prévoyance, and professional insurance to individuals and small businesses. Directly comparable multi-line mutualist model and similar target customer segments.
• GMF: GMF (part of Covéa group) is a French mutual insurer historically tied to public-sector employees, offering auto, home, santé, prévoyance, and borrower insurance. Comparable multi-line mutualist offering and agency distribution make it a direct peer.
• Matmut: Matmut is a French regional mutual insurer with strong roots in northwestern France, offering auto, home, health, prévoyance, and professional lines through a dense agency network. Overlapping regional footprint and product mix make it one of Thélem's closest direct competitors.
• MACIF: MACIF is a French mutual insurer offering auto, home, health, prévoyance, and professional insurance through a similar agent-and-digital distribution model. Closely comparable product portfolio and mutualist structure make it a direct peer to Thélem.
• SMACL Assurances: SMACL is a French mutual insurer specializing in liability and protection insurance for local public-sector entities and associations. Its mutualist structure and concentration on collective/territorial customers make it an adjacent peer to Thélem's professional lines.
• Groupama: Groupama is a major French mutual insurance group with a particularly strong agricultural and rural franchise, offering auto, home, health, prévoyance, and professional lines. Strong overlap with Thélem's agricultural and professional insurance offerings.
• MAIF: MAIF is one of France's largest mutual insurance companies (Société d'assurance mutuelle), offering personal and professional insurance including auto, home, health, and prévoyance. It competes directly with Thélem on the same multi-line mutualist model, though at materially larger national scale.

Broad incumbents

• Crédit Agricole Assurances: Crédit Agricole Assurances is the bancassurance arm of Crédit Agricole, offering personal and professional insurance distributed through the bank's regional Caisses Régionales. It competes with Thélem across auto, home, santé, and prévoyance, but at much larger scale and via banking distribution.
• Crédit Mutuel Arkéa: Crédit Mutuel Arkéa is a French bancassurer active in western France (Brittany, Loire, Aquitaine) — overlapping with Thélem's core Grand Ouest footprint — offering personal and professional insurance through banking channels. Comparable regional concentration makes it a relevant broad incumbent peer.

Regional players

• April: April is a French insurance broker and product designer distributing personal and professional insurance through a partner network. While operating through brokerage rather than underwriting, it competes for the same SME and professional customers in the French market that Thélem targets with its professional lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCaSthqeWP3_nnf0yMaS2rhw
• Facebookfacebook.com/thelem.assurances
• LinkedInfr.linkedin.com/company/thelem-assurances
• Instagraminstagram.com/thelem.assurances
• Xx.com/Thelem_Officiel

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments1 record

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

Frequently asked questions about Thélem Assurances