What Yuzzu does

Yuzzu is a Belgian direct-to-consumer insurance provider and wholly-owned subsidiary of AXA Group, operating as a mandated non-life underwriter approved by the FSMA (Financial Services and Markets Authority) for branches 1a, 3, 7, 10, 16, 17, and 18. The company sells private motor, home, and family insurance to Belgian consumers through a digital-first model, serving approximately 177,000 customers across Belgium. Originally operating as Touring Verzekeringen, the entity was rebranded to Yuzzu and integrated into the AXA Group in 2007, with AXA Belgium serving as the underlying risk-bearing carrier for all Yuzzu-issued policies. Headquarters are in Brussels, and the company operates with 101–250 employees.

Yuzzu's product portfolio centers on vehicle insurance — auto, motorcycle, van, and bicycle — with mandatory civil liability (BA/RC) coverage as the entry tier and three upgradeable omnium modules (Mini Omnium, Omnium Essentium, Full Omnium) plus add-ons including Driver Insurance, Legal Protection (delivered via partner Legal Village), Replacement Vehicle, and Roadside Assistance. Home insurance and a family liability product round out the offering. The technology layer is a self-serve web platform supporting online quotation in approximately five minutes, policy management, and a free policy-transfer service that handles cancellation with the prior insurer on behalf of the customer. No proprietary AI/ML capabilities, patents, SDKs, or third-party API integrations are disclosed.

The business model is subscription-based, recurring annual insurance premiums with monthly or annual billing cadence. Distribution is hybrid: 100% online self-serve for price-sensitive digital buyers, supported by phone sales in Dutch and French, and five physical shop locations across Belgium's major cities (Antwerp, two in Brussels, Hasselt, Liège, Charleroi) for customers preferring in-person service. Marketing relies on content (blog), earned media (Google 4.2/5 across 1,021 reviews and Hello Customer 4.4/5 across 2,941 reviews), and word-of-mouth. Pricing is risk-based and not publicly tiered, with a promotional "Yuzzu Bonus" of two months free on first-year contracts. Yuzzu has been consecutively recognized as a Top 3 digital leader in the Belgian insurance market by SIA Partners (2024).

Name

Yuzzu

Legal name

Yuzzu nv

Website

https://yuzzu.be

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

101–250 employees

Short description

Yuzzu is a Belgian direct-to-consumer, digital-first insurer and AXA Group subsidiary offering auto, motorcycle, van, bicycle, home, and family insurance to approximately 177,000 Belgian consumers via an online self-serve platform and five physical shops.

Ownership category

akta.pro rank

Product category

Personal Lines Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Agencies and Brokerages (524210)

akta.pro primary industry

Personal Auto Insurance (FSAJAMAA)

Keywords

• Auto insurance
• Home insurance
• Motorcycle insurance
• Digital insurance
• Vehicle coverage

Headquarters

HQ city

Brussels

HQ country

Belgium

HQ region

Europe

Offices7 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Yuzzu generates revenue through annual insurance premiums paid by customers for coverage across auto, home, motorcycle, bicycle, and van insurance products. Policies are annual with renewal, and customers can pay monthly or annually.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Yuzzu sells non-life insurance products directly to Belgian customers through a 100% online channel plus physical shop locations. Core offerings include auto, home, motor (motorcycle), van, bicycle, and family insurance, with civil liability coverage and optional add-ons (driver, legal protection, replacement vehicle, roadside assistance). Customers can obtain a quote in approximately 5 minutes and purchase entirely online, with the company handling policy transfers from previous insurers.

Product overview

Yuzzu is a digital insurance company and subsidiary of AXA Group (since 2007) offering 100% online insurance products in Belgium. The product portfolio centers on vehicle insurance (auto, motor, van, bicycle) with home and family insurance as secondary offerings. Each vehicle insurance includes a core civil liability product with optional add-on modules including Mini Omnium, Omnium Essentium, and Full Omnium tiers, plus supplementary coverage options such as driver insurance, legal protection (via Legal Village), replacement vehicle, and roadside assistance. All core insurance products are available through an online simulation tool that generates quotes in under 5 minutes, with a policy transfer service to simplify switching from other insurers. Yuzzu serves approximately 177,000 customers across Belgium.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance (Autoverzekering / Assurance Auto) Core vehicle insurance product for cars, offering multiple coverage tiers including mandatory civil liability, Mini Omnium, Omnium Essentium, and Full Omnium. Sold online in roughly 5 minutes, targeting individual Belgian vehicle owners.
• Home Insurance (Woningverzekering / Assurance Habitation) Home insurance covering housing-related risks and damages for Belgian homeowners and tenants, purchased online.
• Motor Insurance (Motorverzekering / Assurance Moto) Insurance for motorcycles with coverage options similar to auto insurance, sold online to individual Belgian riders.
• Van Insurance (Bestelwagenverzekering / Assurance Camionnette) Commercial van / light commercial vehicle insurance with specific coverage options, targeting small business owners and self-employed professionals in Belgium.
• Bicycle Insurance (Fietsverzekering / Assurance Vélo) Insurance product specifically designed for bicycles, sold online to individual Belgian cyclists.
• Family Insurance (Gezin / Famille) Family liability insurance covering family-related risks for Belgian households.

Quantifiable outcome

• 177,000+ customers served
• +2 more outcomes

Named customers6 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• AXA GroupcoreStrategic or Co-development Partner · 1 January 2007Yuzzu has been part of the AXA Group since 2007. The partnership provides Yuzzu with the reliability and backing of a major global insurance company while maintaining its digital-native, customer-friendly brand identity. AXA Belgium is the underlying insurer bearing the risk for Yuzzu's insurance products.

Scale indicators5 records

Recent moves8 records

Expansion highlights4 records

Emerging players

• Lemonade: Digital-native insurance company offering auto and home insurance in select European markets with a mobile-first, AI-driven UX. Comparable digital-first insurance model and target demographic, though currently broader European.

Broad incumbents

• AXA Belgium: Belgian operating subsidiary of AXA Group and the underlying risk-bearing insurer for Yuzzu's policies. Provides the full multi-line Belgian insurance market context and the parent's broader portfolio (life, health, P&C).
• Baloise Insurance: Swiss-headquartered European insurer with a Belgian subsidiary offering motor and home insurance. Comparable European multi-line carrier with growing direct/digital distribution in Belgium.

Direct peers

• Allianz Direct: Allianz's digital-first direct insurance brand operating in Belgium, offering auto and home insurance online. Comparable digital distribution model targeting Belgian consumers.
• Corona Direct: Belgian digital direct insurer (part of AXA Belgium, sister brand to Yuzzu) offering online motor and home insurance. Directly comparable digital-only value proposition in the same Belgian market.
• AG Insurance: Major Belgian insurer (Ageas group) providing motor, home, and family insurance through direct and broker channels. Direct Belgian competitor with overlapping auto and home coverage.
• Belfius Insurance: Belgian bancassurance-driven insurer offering motor and home products through Belfius bank's digital and branch channels. Comparable Belgian multi-channel distribution and product portfolio.
• DVV (De Verzekering Verzekeraars / DVV Assurances): Belgian insurer (P&V group) providing auto, home, and family insurance through a broker network and direct channels. Overlapping Belgian product portfolio and consumer target.
• Ethias: Belgian mutual insurer offering direct auto, home, and family insurance products to Belgian consumers. Closest Belgian competitor to Yuzzu by product mix (motor + home) and direct distribution model.

Others

• Touring (Royal Automobile Club de Belgique): Belgian mobility and roadside-assistance club historically linked to Touring Verzekeringen (Yuzzu's predecessor name) and offering adjacent automotive and insurance services. Compares as a Belgian automotive-services ecosystem player with overlapping customer base.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/yuzzu.be

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Yuzzu