What FMA assurances does

FMA Assurances is a France-based multi-specialist insurance broker (courtier multi-spécialiste) that designs, distributes, and manages approximately 25 insurance products across property and casualty (IARD) and personal insurance (ADP) lines. Founded in 1996 and headquartered in Courbevoie with operations support in Sorgues, the company focuses on two-wheeled vehicles, bicycles, automobiles (including high-risk profiles and license-free vehicles), home, health, foresight, pet health, legal protection, and mechanical breakdown cover. FMA's go-to-market operates through three channels: a direct self-serve online quote platform (offre.fma.fr), a network of 2,500+ independent broker partners (courtiers), and dealer/concessionnaire partnerships including official branded programs with BMW Motorrad, Honda, Harley-Davidson, Ligier, Zontes, CF Moto, Goes, and Daf'Assur.

The underlying technology is an API-first digital insurance platform offering real-time integration for pricing, quote registration, contract subscription, and document management, with a fully dematerialized subscription flow including electronic signature and digital green-card issuance. FMA operates as an intermediary rather than a risk carrier, distributing products underwritten by a panel of insurance partners including Acheel, Mutuaide, Seyna, AIG, Fidelidade, Wakam for IARD lines and Swiss Life, Prépar-Vie, and Intermutuelles Assistance for personal lines.

Revenue is generated through commission-based premium pass-through on each policy distributed across the broker and dealer networks, supported by 250,000+ cumulative customers since founding. The company is privately held: private equity firm 21 Invest took a controlling stake around 2020 and divested to Canadian company Synex in March 2026. FMA employs 101–250 people and operates exclusively in metropolitan France.

Name

FMA assurances

Legal name

FMA ASSURANCES

Website

https://fma.fr

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

101–250 employees

Short description

FMA Assurances is a French multi-specialist insurance broker founded in 1996 that designs, distributes, and manages 25 insurance products across motorcycle, auto, home, health, and personal protection lines for individual consumers, broker partners, and vehicle dealers across France.

Ownership category

akta.pro rank

Headquarters

HQ city

Nanterre

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: FMA earns revenue through insurance premiums collected from policyholders across its 25 insurance products. As a multi-specialist broker, FMA distributes insurance products from partner insurers and earns commissions on each policy sold.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels8 records

Core offering

FMA Assurances is a French multi-specialist insurance broker (courtier multi-spécialiste) that designs, distributes, and manages approximately 25 insurance products across two main categories: property damage insurance (motorcycles, scooters, automobiles, bicycles, homes) and personal insurance (health, foresight, pet health, legal protection). The company distributes these products through four channels: a direct online self-serve quoting platform (offre.fma.fr), a network of independent insurance brokers (courtiers), vehicle dealer partnerships with brands such as BMW Motorrad, Honda, and Harley-Davidson, and an API-first distribution platform enabling professional partners to embed FMA products within their own back-offices.

Product overview

FMA Assurances is a multi-specialist insurance broker (courtier multi-spécialiste) offering approximately 25 insurance products across two main categories: property damage insurance (dommages aux biens) and personal insurance (assurance de personne). The product portfolio includes vehicle insurance for motorcycles (Moto Standard, Moto Risques Aggravés), scooters/cyclo (Scooter et Cyclo 50cc), quads/three-wheelers (Quad & Trike), and automobiles (Voiture Sans Permis, Auto Risques Aggravés); bicycle insurance (Vélo Électrique/E-Bike, Speed Bike, VTT/VTC/Ville/Course); home insurance (Multirisques Habitation with Essentielle, Confort, and Sérénité formulas); health insurance (Complémentaire Santé with Vitalia, Plénitude, Apesia Senior); foresight insurance (Prévoyance Santé with Protego Plus, Temporia, Karma, Karma Senior, Prevactive); pet health insurance (Frais de Santé Animaux); mechanical breakdown insurance (Panne Mécanique); and legal protection insurance (Protection Juridique). FMA distributes through individual clients, broker partners (courtiers), and dealer/concessionnaire partners, and offers white-label insurance programs with vehicle manufacturers (BMW Motorrad, Honda, Harley-Davidson, Ligier, Zontes, CF Moto, Goes, Daf'Assur). The company provides B2B API solutions enabling broker partners to distribute FMA products within their own platforms.

Differentiator

Problem solved

Functional benefit

Products and services

• Moto Standard Comprehensive motorcycle insurance offering four coverage tiers from Third Party to All-Risk, with innovative exclusive guarantees covering electronic devices, flat tires, riding equipment, and accessories. Designed with input from FMA's customer panel for riders across France.
• Moto Risques Aggravés Motorcycle insurance specifically designed for high-risk drivers aged 25-74 with a bonus less than 1, including riders with previous policy cancellations, suspended licenses, or alcohol-related offenses. Offers four formula tiers from Third Party to All-Risk with pilot protection up to €1,000,000.
• Scooter et Cyclo 50cc Scooter and 50cc moped insurance accessible to riders aged 14 and above, covering private use, commuting, and professional purposes. Features include pilot protection up to €60,000, defense coverage, theft, fire, and natural disaster protection.
• Quad & Trike All-terrain vehicle and three-wheeler insurance with four formula tiers from Third Party to All-Risk, covering private, commuting, and professional use. Features pilot protection up to €1,000,000 with doubled ceilings for airbag vest wearers.
• Panne Mécanique Mechanical breakdown and extended warranty insurance covering engine, gearbox, clutch, braking system, fuel system, electrical components, cooling circuit, transmission, and steering for 12 or 24 months with a €3,000 coverage ceiling.
• Vélo Électrique / E-Bike Electric bicycle insurance with two simplified formulas covering theft and accidental damage, with franchise capped at 10% of purchase price. Covers private and commute use for bikes up to €20,000 in value.
• Speed Bike Speed bike (high-performance electric bicycle requiring registration) insurance covering private and commute use, with pilot protection up to €60,000, theft and fire coverage, and accident damage protection.
• Vélo VTT, VTC, Ville, Course Traditional and electric-assisted bicycle insurance covering mountain bikes (VTT), city bikes (VTC), urban bikes, and road bikes with two simplified formulas covering theft and accidental damage, with franchise capped at 10% of purchase price.
• Voiture Sans Permis Insurance for license-free vehicles (voiturettes) with three formula tiers, accepting drivers aged 16-75 including those with suspended licenses, multi-sinistrated drivers (up to 8 claims), and those previously cancelled for non-payment.
• Auto Risques Aggravés High-risk driver auto insurance for drivers aged 25+ with 12 months insurance history in the past 3 years, accepting alcohol-related offenses (up to 1.50 g/L without recurrence), suspended licenses, and insurance interruptions. Three formula tiers with pilot protection up to €160,000.
• Multirisques Habitation Multi-risk home insurance with three formula tiers (Essentielle, Confort, Sérénité) covering homeowners, tenants, subletters, and family SCIs. Includes furniture capital up to €80,000, renewable energy coverage, and acceptance of contracts cancelled for non-payment.
• Complémentaire Santé Supplemental health insurance offering Vitalia (complete coverage at competitive prices, no age limit), Plénitude (extended coverage for health expenses), and Apesia Senior (coverage for seniors). Includes alternative medicine, transport, spa treatments, and optical equipment coverage.
• Prévoyance Santé Health foresight insurance protecting families against accident, work stoppage, or disability. Includes Protego Plus (enhanced hospitalization protection), Temporia (customizable protection aged 18-64), Karma (death/PTIA coverage), Karma Senior (senior death coverage), and Prevactive (death/invalidity protection).
• Frais de Santé Animaux Pet health insurance covering dogs, cats, ferrets, and rabbits aged 3 months to 8 years, with four formula tiers reimbursing up to 100% of veterinary expenses for accident and/or illness. Includes death capital option (€250-500) and 10% discount for a second animal.
• Protection Juridique Legal protection insurance with a single formula covering daily disputes (habitat, consumption, sports, health, social benefits), automobile legal protection, and employment disputes. Coverage ceiling up to €24,000 with a dedicated jurist and no waiting period.
• FMA API Solutions Platform B2B API suite for insurance professionals enabling distribution of FMA insurance products within their own platforms. Available APIs include health, foresight, pet health, home multirisk, motorcycle (standard and aggravated risks), bicycle (electric and speed bike), scooter/cyclo 50cc, and license-free vehicle APIs. Provides real-time integration capabilities for pricing, quote registration with dynamic document generation, policy subscription, and signed document reception.

Quantifiable outcome

• 250,000+ customers served since founding
• +3 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

19 partnerships are on record, tiered flagship and core.

• Honda National MotosflagshipStrategic or Co-development Partner · 1 June 2024FMA is title sponsor of the Honda National Motos FMA racing team competing in the FIM World Endurance Championship Superstock category. The partnership began in June 2024 and has resulted in World Superstock championship titles in 2024 and 2025. The team is based at La Garenne-Colombes (92) and is managed by Sébastien Charpentier.
• Sébastien CharpentiercoreGTM or Marketing PartnerFormer two-time World Supersport champion serves as FMA official brand ambassador, particularly for cycling insurance products. He provides testimonials and participates in FMA events and marketing campaigns.
• BMW Motorrad AssuranceflagshipStrategic or Co-development PartnerOfficial BMW Motorrad insurance program created in cooperation with BMW Motorrad, offering branded insurance products for BMW motorcycles. Part of FMA's program insurance initiative.
• Honda AssuranceflagshipStrategic or Co-development PartnerOfficial Honda insurance program created in cooperation with Honda, offering branded insurance products for Honda motorcycles. Part of FMA's program insurance initiative.
• Harley-Davidson Insurance ServicesflagshipStrategic or Co-development PartnerOfficial Harley-Davidson insurance program offering branded insurance products for Harley-Davidson motorcycles. Part of FMA's program insurance initiative.
• Ligier AssurancecoreStrategic or Co-development PartnerOfficial Ligier insurance program for Ligier vehicles (quads, three-wheelers).
• ZontescoreStrategic or Co-development PartnerOfficial Zontes insurance program for Zontes motorcycles.
• CF MotocoreStrategic or Co-development PartnerOfficial CF Moto insurance program for CF Moto motorcycles and quads.
• GoescoreStrategic or Co-development PartnerOfficial Goes insurance program for Goes motorcycles.
• Daf'AssurcoreStrategic or Co-development PartnerOfficial Daf'Assur insurance program for Daf vehicles.
• AcheelcoreTechnology or IntegrationInsurance partner providing IARD (property and casualty) insurance products distributed by FMA.
• MutuaidecoreTechnology or IntegrationInsurance partner and assistance services provider for IARD products distributed by FMA.
• SeynacoreTechnology or IntegrationInsurance technology partner providing IARD insurance products distributed by FMA.
• AIGcoreTechnology or IntegrationInternational insurance partner providing IARD insurance products distributed by FMA.
• FidelidadecoreTechnology or IntegrationPortuguese insurance group partner providing IARD insurance products distributed by FMA.
• WakamcoreTechnology or IntegrationInsurance partner providing IARD insurance products distributed by FMA, including coverage for cycles and scooters.
• Swiss LifecoreTechnology or IntegrationADP (personal insurance) partner providing health and personal protection insurance products distributed by FMA.
• Prépar-ViecoreTechnology or IntegrationADP (personal insurance) partner providing health and personal protection insurance products distributed by FMA.
• Intermutuelles AssistancecoreTechnology or IntegrationAssistance services partner for ADP (personal insurance) products distributed by FMA.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Acheel: Acheel is a French digital insurance broker offering multi-line P&C and personal insurance products directly to consumers. As a partner carrier of FMA and a direct competitor in French digital brokerage, it represents the closest comparable on product mix and customer profile.
• Leocare: Leocare is a French multi-line digital insurance broker offering home, auto, health, and pet insurance to individuals through an app-based experience. Comparable to FMA's direct-online channel and multi-specialist product breadth targeting French particuliers.
• Lovys: Lovys is a French insurance super-app aggregating multiple insurance lines (home, auto, health, pet, bike) under a single subscription for individuals. Direct comparable to FMA's multi-specialist positioning and direct-to-consumer digital subscription model.
• Luko (Tyba): Luko is a French digital home insurance broker known for its connected-device model and consumer-first UX. Comparable to FMA's Multirisques Habitation line and the broader French digital insurance distribution landscape.
• Hedios: Hedios is a French insurance distributor and wealth manager offering savings, retirement, and protection products through digital channels. Comparable to FMA in distribution-led insurance intermediation targeting French retail customers.
• Cocoon: Cocoon is a French digital home insurance broker offering connected-home protection with a focus on simple UX and quick claims handling. Comparable to FMA's Multirisques Habitation line and the broader French insurtech broker landscape.

Broad incumbents

• Alan: Alan is a French health insurance unicorn offering supplemental health coverage through a digital-first platform. Comparable to FMA's Complémentaire Santé and Prévoyance lines, though Alan is a health specialist rather than a multi-specialist broker.

Others

• Wakam: Wakam is a French B2B insurance carrier and a current partner of FMA providing IARD coverage. Wakam sits on the supply side of the same value chain and increasingly offers embedded insurance products to digital platforms — an adjacent but partially overlapping player.
• Seyna: Seyna is a French insurance-as-a-service platform enabling brokers and digital platforms to launch white-label insurance products. A current technology partner of FMA and an emerging competitor in the embedded insurance infrastructure layer.

Emerging players

• Ornikar: Ornikar is a French driving school platform that has expanded into auto insurance distribution. Comparable to FMA in targeting young and newly licensed drivers in France, though Ornikar's insurance offering is narrower and bundled with driver education.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/FMAAssurancesFR
• LinkedInfr.linkedin.com/company/fma-assurances
• Instagraminstagram.com/fma_assurances

Compliance2 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 FMA assurances