ALTIMA Assurances
ALTIMA Assurances is a French insurance company and 100% MAIF Group subsidiary acting as the group's innovation laboratory, offering auto, habitation, affinity, and fleet insurance through B2B2C partner channels (social housing, automobile, affinity, fleet) and a residual B2C portfolio, with a partner API platform and usage-based pricing products.
- Company typePrivate
- Founded1999
- HeadquartersChauray, France
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What ALTIMA Assurances does
ALTIMA Assurances is a French insurance company founded in 1999 and headquartered in Chauray (Deux-Sèvres), France, operating as a wholly-owned subsidiary of Groupe MAIF since 2015. The company functions as the innovation laboratory for the MAIF Group and operates across two principal distribution models: a residual direct-to-consumer (B2C) channel for individual auto, habitation, and personal accident insurance (where several product lines have been discontinued for new subscriptions but maintained for existing policyholders), and a B2B2C partner channel spanning social housing landlords, automobile sector partners, affinity distributors, and fleet operators. ALTIMA also controls ALTIMA COURTAGE, a 99.9%-owned SAS registered with ORIAS under number 07 000 818 that acts as insurance and reinsurance broker. The company employs 101-250 people (with 100+ confirmed and 50+ advisors) and is regulated by the ACPR under the French Code des Assurances.
The company's product portfolio covers auto insurance (standard, pay-per-kilometer, pay-per-minute, high-risk/probationary, prestige, collection, LLD, low-mileage), habitation (tenant insurance via social housing partners, young renters, non-occupying owners), personal accident, affinity products (pet, travel, deductible buyback), and fleet insurance for enterprises, associations, and new mobility operators. Its technology stack centers on a REST-based partner API platform (developer.altima-assurances.fr) with separate test and production environments enabling quote generation, policy subscription, and contract management, complemented by a digital customer portal (Espace Assuré), web analytics (AT Internet), and A/B testing tooling (AB Tasty). Co-construction with partners is a stated product development approach, particularly for specialized B2B offerings.
Revenue is generated primarily through recurring insurance premiums across B2B2C channels and brokerage commissions earned by ALTIMA COURTAGE. Pricing is risk-based and not publicly disclosed, with usage-based products billed monthly according to actual consumption (kilometers or minutes). The company's registered share capital is €71,020,552.90, and it has no disclosed external funding activity, consistent with its status as a wholly-owned MAIF subsidiary.
ALTIMA Assurances firmographics
Firmographics- Name
- ALTIMA Assurances
- Legal name
- ALTIMA ASSURANCES
- Website
- https://altima-assurances.fr
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- ALTIMA Assurances is a French insurance company and 100% MAIF Group subsidiary acting as the group's innovation laboratory, offering auto, habitation, affinity, and fleet insurance through B2B2C partner channels (social housing, automobile, affinity, fleet) and a residual B2C portfolio, with a partner API platform and usage-based pricing products.
- Ownership category
- akta.pro rank
ALTIMA Assurances industry classification
Industry- Product category
- Property and Casualty Insurance
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Other Insurance Related Activities (52429)
- SIC
- Insurance Carriers, Nec (6399), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB)
- akta.pro secondary industry
- Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)
Keywords
Where ALTIMA Assurances is headquartered
LocationHeadquarters
- HQ city
- Chauray
- HQ country
- France
- HQ region
- Europe
Offices2 records
Markets served
ALTIMA Assurances business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Property & Casualty Insurance Premiums: Recurring insurance premiums from auto, habitation, and personal accident insurance policies sold to individuals and through partner channels
- Fleet Insurance: Insurance premiums for automobile fleets serving businesses, associations, and organizations with specialized fleet coverage products
- Affinity Insurance: Co-branded or white-label insurance products (pet, travel, franchise buyback) distributed through commercial partners on commission basis
- Brokerage Commission: ALTIMA COURTAGE (99.9% subsidiary) operates as insurance and reinsurance broker earning commission included in insurance premiums
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Monthly | Usage-based auto insurance (au kilomètre) |
| Usage-based | Monthly | Usage-based auto insurance (à la minute) |
| Subscription | Monthly | Tenant renter's insurance (locataire) |
Go-to-market motion4 records
Distribution channels7 records
Marketing channels9 records
ALTIMA Assurances product offering
Product offeringCore offering
ALTIMA Assurances is a French insurance company operating as a 100% subsidiary of Groupe MAIF and acting as the group's innovation laboratory. It designs and distributes auto, habitation (home), and personal accident insurance products, including innovative usage-based offerings (pay-per-kilometer and pay-per-minute). It serves individual consumers directly and operates a B2B2C model distributing co-constructed white-label and specialized insurance through social housing organizations, automobile dealers, affinity partners, and fleet operators, supported by a REST API partner integration platform.
Product overview
ALTIMA Assurances is a French insurance company and a 100% subsidiary of the MAIF Group, acting as the Group's innovation laboratory. The company operates a multi-channel model serving both individual consumers (B2C, though many products are now discontinued for new subscriptions) and business partners (B2B2C) across three core insurance lines: Auto, Habitation (home), and Personnes (personal accident). B2C offerings include auto insurance (standard, pay-per-kilometer, high-risk/probationary), home insurance (via partner landlords for tenants), and personal accident insurance — several of which are no longer commercially available but remain active for existing policyholders. B2B partner offerings span specialized auto insurance (prestige, collection, LLD, high-risk, low-mileage), home insurance for tenants, students, and non-occupying owners, affinity insurance (pet, travel, deductible buyback), and fleet automobile insurance for businesses, associative fleets, and new mobility models. ALTIMA also provides an API portal for partner technical integration.
Differentiator
Problem solved
Functional benefit
Products and services
- Assurance auto au kilomètre Pay-per-kilometer auto insurance priced based on actual mileage driven; targeted at low-mileage drivers and modern mobility users.
- Assurance auto à la minute Pay-per-minute usage-based auto insurance billed based on actual minutes of vehicle usage; designed for new mobility and sharing-economy models.
- Assurance auto sinistré, malussé, résilié (ProbAssur) Specialized auto insurance for high-risk drivers with penalty surcharges, policy cancellations, or accident history.
- Assurance Habitation Locataire (Bailleurs partenaires) Tenant home insurance offered exclusively through partner social housing landlords (bailleurs sociaux), with a single comprehensive formula covering civil liability, natural disasters, accidental risks, and 24/7 assistance.
- Assurance auto prestige (B2B) B2B auto insurance for high-end and prestige vehicles, co-constructed with dealer and manufacturer partners.
- Assurance auto collection (B2B) B2B auto insurance for classic and collection vehicles, co-constructed with partners for the collector vehicle market.
- Assurance auto LLD (Location Longue Durée) (B2B) B2B auto insurance for long-term lease arrangements, addressing new usage and consumption models.
- Assurance auto petit rouleur (B2B) B2B auto insurance targeting low-mileage drivers and the 'petit rouleur' segment through partner distribution.
- MRH Locataire (B2B) B2B tenant home insurance partner offering with a single comprehensive formula covering occupants and their movable property.
- MRH Étudiant (B2B) B2B student home insurance partner offering with essential coverage adapted for young renters.
- MRH Propriétaire Non Occupant (B2B) B2B non-occupying homeowner insurance partner offering covering real estate and movable property in a single-formula contract.
- Assurance Chiens - Chats Pet insurance covering illness and accident risks for dogs and cats, co-constructed with affinity partners.
- Assurance de Voyage Travel and leisure insurance covering trip cancellation and repatriation assistance, co-constructed with partners across travel and event segments.
- Rachat de Franchise Deductible buyback/waiver insurance enabling partners to offer comprehensive protection against unexpected events to their customers.
- Assurance Flottes de véhicules d'entreprises B2B fleet auto insurance for business vehicle fleets (TPPC, TPM, TPMR segments), co-constructed with broker partners.
- Assurance Grandes Flottes Associatives B2B insurance for large associative fleets brought by the MAIF Group, covering diverse organizational vehicle needs.
- Assurance Flottes Nouveaux Usages - Mobilités B2B fleet insurance covering new mobility usage models including car-sharing, convoyage (vehicle transport), and long-term rental.
- ALTIMA COURTAGE Brokerage Services Insurance and reinsurance brokerage services delivered via ALTIMA COURTAGE (99.9% subsidiary, ORIAS 07 000 818) acting as intermediary on commission.
- REST Partner API Platform
Quantifiable outcome
- 98/100 score on Gender Equality Index 2025
- +1 more outcomes
Companies that use ALTIMA Assurances
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles5 records
ALTIMA Assurances technology and API
TechnologyTechnology focussed No
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Feature4 records
ALTIMA Assurances partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered minor and core.
- CGIA ConseilsminorPartnership initiated in 2005 for development of home insurance offerings; CGIA Conseils collaborated with ALTIMA on habitation insurance product launch
- Citya AssurancesminorPartnership established in 2012 for rental risk insurance covering tenant liability in housing; Citya Assurances collaborated with ALTIMA on this specialized habitation product
- DELPHIS (member organizations: Immobilière Atlantic Aménagement, Vosgelis)coreDELPHIS is a grouping of social housing organizations distributing ALTIMA tenant insurance to their renters. Partner organizations include Immobilière Atlantic Aménagement and Vosgelis with dedicated insurance portals.
- Union Régionale du Grand Est (member organizations: 3F Grand Est, Chaumont Habitat, Habitat 08, Le Foyer Rémois, Meurthe & Moselle Habitat, Moselis, OMH du Grand Nancy, OPH Metz Métropole, Reims Habitat, Léman Habitat)coreRegional union of social housing companies in Grand Est region distributing ALTIMA renter insurance to tenants. Member organizations span multiple cities including Metz, Nancy, Reims, and surrounding areas.
- Habitat Réuni (member organizations: Gambetta, Habitat du Nord, Habitat Hauts de France, Léman Habitat, Logis Métropole, Marcou Habitat, Pierre et Lumières, SACOVIV, Saumur Habitat, SA Mont Blanc, Somco)coreHabitat Réuni is a grouping of social housing companies distributing ALTIMA tenant insurance. Member organizations include Gambetta, Habitat du Nord, Habitat Hauts de France, Logis Métropole, and others across France.
- FREHAcoreFREHA social housing organization distributes ALTIMA renter insurance to its tenant base through dedicated insurance portal.
- Meurthe & Moselle HabitatminorSocial housing company in Meurthe & Moselle department distributing ALTIMA tenant insurance to renters through dedicated portal (mmhabitat.altima-assurances.fr)
- Microsoft AdvertisingminorDigital advertising partnership for targeted ad display on Microsoft Advertising network; enables campaign performance measurement and audience targeting
- Meta (Facebook)minorSocial media advertising partnership including Facebook and Instagram; uses pixel tracking for campaign performance measurement and similar audience targeting
- Google (Search and YouTube)minorDigital advertising campaigns on Google Search network and YouTube video platform; includes privacy policy compliance and cookie management
- ALTIMA COURTAGEcore99.9% subsidiary of ALTIMA ASSURANCES operating as insurance and reinsurance broker; intermediary for distribution of insurance products; registered with ORIAS under number 07 000 818; commission-based compensation included in insurance premiums
- Developer Partners (API integrations)coreTechnical partners integrating with ALTIMA API platform (developer.altima-assurances.fr) to build applications for quote generation, policy subscription, and claims management through REST APIs with test and production environments
Scale indicators5 records
Recent moves4 records
Expansion highlights6 records
ALTIMA Assurances competitors and assessment
Company assessmentDirect peers
- Luko: French digital-first home insurance provider with embedded/distribution-led growth and a mission-driven insurer brand. Directly comparable on tech-enabled P&C distribution to French consumers and partners, with similar mobile/API product surface.
- Acheel: French digital insurance broker offering multi-carrier auto, home, and life products through an online platform. Comparable to ALTIMA's multi-line P&C distribution and broker-mediated model, especially via ALTIMA COURTAGE.
- +Simple: French insurance platform focused on professional and SME insurance, including auto and fleet coverage. Comparable on its B2B/B2B2C distribution motion for fleet and auto products in the French market.
- Leocare: French mobile-first P&C insurer offering auto, home, and personal products with a digital-first subscription experience. Comparable on API-and-app-driven P&C distribution targeting French consumers and affinity partners.
Emerging players
- Ornikar: French insurtech offering usage-based and learner-driver auto insurance products. Comparable on the usage-based / data-driven auto proposition targeting non-standard and new-mobility consumers in France.
- Alan: French health insurtech with API-first product design and partner integrations. Comparable on the API-first insurance platform model and partner integration strategy, though focused on health rather than P&C.
- Zego: UK-based insurtech offering usage-based and embedded commercial auto/fleet coverage with API-first distribution. Comparable on usage-based auto insurance and partner-API distribution for new mobility models.
Broad incumbents
- Groupama: Major French mutual insurance group offering P&C, health, and life products. Comparable as a French mutual group whose distribution and partner network overlaps with the same social housing, auto dealer, and affinity channels ALTIMA serves.
- Direct Assurance: AXA's direct-to-consumer insurance subsidiary, a benchmark French digital insurance player. Comparable as a large, digitally distributed P&C player operating inside an incumbent insurance group (parallel to ALTIMA's MAIF relationship).
Regional players
- Wafa Assurance: Moroccan multi-line insurer with affinity/embedded distribution through banking and partner networks. Comparable on the affinity/embedded insurance distribution model, though operating in a different (North African) geography.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
ALTIMA Assurances social profiles
Digital presenceALTIMA Assurances compliance and trust
Trust signalCompliance3 records
ALTIMA Assurances financial estimates
Financial estimateRevenue estimate
Valuation estimate
ALTIMA Assurances leadership team
Management profileNumber of profiles
Profiles5 records
ALTIMA Assurances subsidiaries and ownership
Company hierarchySubsidiaries1 record
ALTIMA Assurances funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ALTIMA Assurances M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ALTIMA Assurances
What does ALTIMA Assurances do?
ALTIMA Assurances is a French insurance company operating as a 100% subsidiary of Groupe MAIF and acting as the group's innovation laboratory. It designs and distributes auto, habitation (home), and personal accident insurance products, including innovative usage-based offerings (pay-per-kilometer and pay-per-minute). It serves individual consumers directly and operates a B2B2C model distributing co-constructed white-label and specialized insurance through social housing organizations, automobile dealers, affinity partners, and fleet operators, supported by a REST API partner integration platform.
Is ALTIMA Assurances a public or private company?
ALTIMA Assurances is a private company. It is classified as corporate owned and is currently operating.
When was ALTIMA Assurances founded?
ALTIMA Assurances was founded in 1999. It employs 101 to 250 people.
Where is ALTIMA Assurances based?
ALTIMA Assurances is headquartered in Chauray, France, in the Europe region.
How does ALTIMA Assurances make money?
Four revenue lines are on record. Property & Casualty Insurance Premiums are the primary driver. The others are fleet Insurance, affinity Insurance and brokerage Commission.
Who are ALTIMA Assurances's main competitors?
Direct peers on record are Luko, Acheel, +Simple and Leocare. Emerging players are Ornikar, Alan and Zego. Broad incumbents are Groupama and Direct Assurance. Wafa Assurance is listed as a regional player.
Does ALTIMA Assurances have an API?
Yes. ALTIMA provides a REST-based partner API accessible via two environments: a Test environment (test.api.altima-assurances) for integration and limited daily calls, and a Production environment (www.api.altima-assurances). Authentication uses X-Auth-App-id and X-Auth-Key headers. The API follows REST conventions with resources accessed via HTTP verbs GET/POST/PATCH/DELETE, exclusively using JSON format for exchanges (application/json), with the exception of document uploads/downloads. API version is explicit in URLs (e.g., /v1/). Error responses follow a structured format including error, error_description, and error_details fields. Developer documentation is at developer.altima-assurances.fr/apis.
What industry is ALTIMA Assurances in?
ALTIMA Assurances's product category is Property and Casualty Insurance. Its primary akta.pro industry code is FSAGAGAB, Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS), with a secondary code of FSAGAGAL, Embedded Insurance & Affinity Distribution Platforms. Its NAICS code is 5242 and its SIC code is 6399.