L'olivier Assurance

What L'olivier Assurance does

L'olivier Assurance is a French direct-to-consumer online insurance provider operating under Admiral Group Plc's (LSE: ADM) Spanish insurance intermediary Admiral Intermediary Services SA, with underwriting routed through Admiral Europe Compañía de Seguros (AECS). The company sells two core product lines — auto insurance (across three tiers: Tiers Essentiel third-party liability, Tiers Confort third-party + theft/fire, and Tous Risques comprehensive, plus specialized variants for young drivers, professional vehicles, electric vehicles and leased vehicles) and home insurance (for tenants, owners and students) — entirely via its lolivier.fr website with phone support from a customer service team based in the Lille area of Northern France. The full quote-to-bind journey is designed to take approximately five minutes, with contracts delivered by email and managed through an online customer portal.

The business model is recurring premium-based with annual billing cycles, supported by a multi-channel acquisition stack (paid social and search across Google, Meta, TikTok, Bing, Amazon Ads, YouTube; comparison platforms such as Assurland; referral programs offering up to €250 per year per sponsor; an AUTOSUR technical-inspection partnership; and a partner-garage network) and retention levers including MultiAuto multi-vehicle discounts (10%), the Multiproduits bundle refund (€50 for auto+home), Bonus 50 Forever and Bonus Franchise loyalty programs. AI is embedded across the value chain — pricing and underwriting, customer-service chatbot, real-time call transcription and summarization, fraud detection and AML/KYC — making L'olivier unusually automation-heavy for a sub-500-employee French insurer.

The company serves more than 800,000 French policyholders, reports a 96% post-claim satisfaction rate for auto customers, and holds a 4.1/5 Trustpilot rating across over 15,164 reviews. It has been certified as a Best Workplace in France since 2015 and as a Best Workplace for Women since 2020. Regulatory oversight is split across ACPR (French prudential authority), Orias (intermediary registration AJ-0213), and the Spanish DGSFP (via AECS and AIS), with GDPR-compliant data handling and EU Standard Contractual Clauses governing any cross-border transfers.

Name

L'olivier Assurance

Legal name

Admiral Intermediary Services SA (AIS)

Website

https://lolivier.fr

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

251–500 employees

Short description

L'olivier Assurance is the French direct-to-consumer online brand of UK-listed Admiral Group, selling auto and home insurance to individual French consumers via a five-minute online quote-and-bind flow, supported by AI-driven pricing, fraud detection and customer service.

Ownership category

akta.pro rank

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Auto Insurance Premiums: The primary revenue stream comes from auto insurance premiums collected from individual customers. L'olivier offers three tiers of auto coverage: Tiers Essentiel (third-party liability), Tiers Confort (third-party + theft/fire), and Tous Risques (comprehensive). Customers pay recurring premiums typically on an annual basis.
2. Home Insurance Premiums: Home insurance premiums collected from customers covering renters, owners, and students. Revenue generated through recurring premium payments.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

L'olivier Assurance is a French direct-to-consumer online insurance provider that sells auto and home insurance policies to individual consumers. Customers obtain a quote in about 5 minutes on the website and can be insured within the minute, with three auto coverage tiers (Tiers Essentiel, Tiers Confort, Tous Risques) and specialized auto variants for young drivers, professional, electric, and leased vehicles, plus home insurance for tenants, owners, and students. Pricing and underwriting are powered by AI, with cross-sell offers (MultiAuto, Multi-produits bundle) and loyalty benefits (Bonus 50 Forever, Bonus Franchise) layered on top.

Product overview

L'olivier Assurance is a direct-to-consumer insurance provider offering two core insurance products: auto insurance and home insurance. The auto insurance portfolio includes three main coverage tiers (Tiers Essentiel, Tiers Confort, and Tous Risques) with specialized variants for young drivers, professionals, electric vehicles, and leased vehicles. Home insurance adapts coverage for tenants, owners, and students. The company enhances its core products with loyalty programs (Bonus 50 Forever, Bonus Franchise), bundling offers (MultiAuto 10% discount, Multiproduits €50 refund), and partner networks (partner garages, AUTOSUR technical inspection partnership). All products are designed for direct online purchase with quotes in 5 minutes. L'olivier is a subsidiary of Admiral Group (UK-listed insurer) operating in the French market.

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance Auto

Quantifiable outcome

• Average annual savings of €393 for auto and home customers combined (€280 auto + €113 home)
• +3 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration17 records

AI capability7 records

Feature5 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Admiral Intermediary Services SA (AIS)coreStrategic or Co-development PartnerAIS is a Spanish insurance intermediary company (registered under A90354911, regulated by DGSFP) and an indirect subsidiary of Admiral Group Plc. AIS operates under the L'olivier Assurance brand in France and serves as the responsible entity for processing customer data.
• Admiral Europe Compañía de Seguros, S.A.U (AECS)coreStrategic or Co-development PartnerAECS is the insurance company providing guarantees for L'olivier policies. Registered in Spain under A87987822, licensed by the Spanish insurance regulator (DGSFP). The group Admiral is the sole shareholder of AECS.
• EUROP ASSISTANCEcoreImplementation/ SI/ Consulting PartnerProvides assistance services for L'olivier customers. Headquartered at 1, promenade de la Bonnette, 92230 GENNEVILLIERS, with capital of €35,402,786.
• MUTUAIDE ASSISTANCEcoreImplementation/ SI/ Consulting PartnerProvides guaranteed services for added value, personal effects, and leasing coverage. Located at 126, rue de la Piazza, CS 20010, 93196 Noisy le Grand CEDEX.
• Chubb European Group SEminorImplementation/ SI/ Consulting PartnerProvides bodily injury warranty extension coverage. Located at La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 92400 Courbevoie.
• AUTOSURminorChannel Partner/ Reseller/ DistributorTechnical control (CT) partner offering L'olivier customers 15% discount on technical inspections (excluding re-inspection and complementary checks) at participating AUTOSUR centers.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/lolivier.assurance
• Instagraminstagram.com/lolivier_assurance
• Xx.com/lolivierassure

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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 L'olivier Assurance