What Mieux Assuré does

Mieux Assuré is a French online insurance brokerage registered as MIEUXASSURE, a Société par actions simplifiée (SAS) headquartered in Avignon, with a 2,000,000 euro social capital. The company distributes personal-lines insurance products — automobile, motorcycle, license-free vehicles (VSP), and home (habitation) — exclusively to residents of metropolitan France via a 100% digital customer journey accessible through the Plateforme Mieux Assuré and a separate quoting subdomain (devis.mieuxassure.com), supported by phone, WhatsApp, and Facebook Messenger advisors. It carries ORIAS broker registration number 20006812 and is supervised by ACPR, with no disclosed capital links to the underwriting insurers whose products it distributes.

The technology stack centers on a proprietary SaaS brokerage platform developed with technology partner ADN Solutions and hosted by Groupe Antares on servers in France. Contracts are executed digitally via DocuSign and paid via PCI-DSS-compliant Paybox; insurance coverage can be issued in under five minutes with provisional certificates upon payment, and customers manage policies in a secure personal space (Espace Personnel). Underwriting capacity comes from third-party carriers — notably Allianz, CMAM (including its Saint Victoire and MRH products), and L'Equité (for electric, hybrid, and high-risk specialty lines) — meaning Mieux Assuré takes no balance-sheet insurance risk and earns revenues through brokerage commissions, one-time adhesion fees per contract, and intermediating monthly premium collection by direct debit.

The GTM motion is direct-to-consumer and product-led, with multi-channel acquisition through a content blog, the 'Mieux Informé' newsletter, an active presence on Instagram, Facebook, LinkedIn, TikTok, and YouTube, managed Google reviews, and a customer referral (parrainage) program. Segments served include standard French auto owners, two-wheeler riders, VSP drivers, homeowners and renters, and — distinctively — high-risk profiles (cancelled policies, severe bonus-malus penalties, suspended licenses) that mainstream French insurers tend to decline. Anti-fraud capability is sourced via membership in the ALFA consortium, which enables claims-data sharing with peer insurers.

Name

Mieux Assuré

Legal name

MIEUXASSURE

Website

https://mieuxassure.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Mieux Assuré is a French ACPR-supervised digital insurance brokerage (ORIAS #20006812) that distributes auto, motorcycle, license-free-vehicle, and home insurance to metropolitan France consumers via its proprietary Plateforme Mieux Assuré, earning commissions from underwriting partners Allianz, CMAM, and L'Equité.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Digital insurance brokerage
• Automobile insurance
• Motorcycle insurance
• Home insurance
• Insurance broker France

Headquarters

HQ city

Avignon

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Mieux Assuré acts as an insurance broker earning commissions from insurance companies for policies distributed through the platform. The company certifies no capital links with insurers, operating under distribution and management delegation agreements.
2. Adhesion Fees: One-time platform membership fees charged upon each new insurance contract subscription.
3. Monthly Premium Collection: Monthly premium collection from customers via direct debit, with funds reversed to insurance companies after deducting brokerage commissions.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels9 records

Core offering

Mieux Assuré operates as a 100% digital insurance brokerage platform distributing automobile, motorcycle, license-free vehicle (VSP), and home insurance products underwritten by partner insurers including Allianz, CMAM, and L'Equité. Customers obtain quotes, sign contracts electronically via DocuSign, and manage their policies entirely online through the Plateforme Mieux Assuré, with human advisor support available via phone, WhatsApp, and Facebook Messenger. The platform serves only metropolitan France residents and specializes in immediate, fully dematerialized contract subscription.

Product overview

Mieux Assuré is a digital insurance brokerage platform offering four core insurance products: Automobile, Moto, Voiture Sans Permis (license-free car), and Habitation (home). The Plateforme Mieux Assuré serves as the unified digital environment where customers obtain quotes, sign contracts electronically via Docusign, manage policies, and process claims. Insurance offerings are structured in tiered coverage levels — auto insurance offers Tiers, Tiers Plus, Tiers Complet, and Tous Risques formulas, while home insurance offers Eco, Eco+, Zen, and Confort tiers. The company also provides specialized auto insurance for high-risk profiles, a referral (parrainage) program, and an informational blog delivered via the 'Mieux Informé' newsletter. All services are 100% digital and managed in France.

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance Automobile Auto insurance policies for French individual vehicle owners, covering standard vehicles, electric and hybrid cars, with four tiered coverage levels (Tiers, Tiers Plus, Tiers Complet, Tous Risques) and specialized options for different driver profiles.
• Assurance Moto Motorcycle and scooter insurance covering 125cc, 250cc, and 500cc+ bikes including electric scooters, with tiered coverage options for various engine sizes and rider experience levels, targeted at two-wheeler owners in France.
• Assurance Voiture Sans Permis (VSP) Insurance for license-free vehicles (voiture sans permis) including Aixam and Ligier brands, covering electric and fuel-powered models with options for novice and experienced drivers in France.
• Assurance Habitation (MRH) Multi-risk home insurance (MRH) policies for French property owners, tenants, and students, with four coverage tiers (Eco, Eco+, Zen, Confort) and customizable add-ons including photovoltaic panel coverage and garden coverage.
• Assurance Auto Risques Aggravés Specialized auto insurance for high-risk profiles including drivers with suspended licenses, alcohol-related offenses, speeding suspensions, high bonus-malus coefficients, and prior policy cancellations who have been refused by mainstream insurers.

Quantifiable outcome

• Insurance coverage in under 5 minutes
• +1 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• AllianzcoreOthersMajor insurance partner providing auto and motorcycle insurance products distributed through the platform. Products include standard auto coverage and specialized coverage for high-risk drivers.
• CMAM (Caisse Mutuelle d'Assurances Mutuelles)coreOthersMutual insurance company partner providing auto insurance (including Saint Victoire and standard products) and habitation insurance (MRH) distributed through the platform.
• L'EquitécoreOthersInsurance company partner specializing in auto coverage for electric/hybrid vehicles and high-risk drivers, including specialized VSP (voiture sans permis) coverage.
• ADN SolutionscoreTechnology or IntegrationTechnology partner providing the IT solution and software platform (Plateforme Mieux Assuré) powering quote generation, subscription, and contract management functionality.
• PayboxcoreTechnology or IntegrationPCI-DSS certified payment service provider handling secure online payment processing for insurance premiums and adhesion fees.
• Groupe AntarescoreTechnology or IntegrationWeb hosting provider for the platform with main and redundant servers located in France, ensuring data residency compliance and operational reliability.
• ALFA (Agence pour la Lutte contre la Fraude à l'Assurance)minorStrategic or Co-development PartnerAnti-fraud consortium enabling data sharing with other insurers to detect and prevent insurance fraud in auto contracts and claims.
• DocuSigncoreTechnology or IntegrationElectronic signature solution used for contract signing, enabling fully digital insurance policy execution without physical documents.
• Mondial AssistanceminorOthersAssistance services provider referenced for roadside assistance and claim support services available through customer portal.

Scale indicators1 record

Recent moves6 records

Expansion highlights6 records

Direct peers

• Luko: Originally a French insurtech offering home insurance and energy protection, now part of Crédit Agricole Assurances. Comparable as a French digital-native insurance intermediary focused on consumer personal lines and embedded distribution.
• Hyperassur: French insurance comparison and brokerage platform aggregating auto, moto, and home quotes from multiple carriers. Comparable in product scope and D2C French consumer target market.
• AcommeAssure: French online insurance broker distributing auto, moto, and home policies from multiple carriers via a digital platform. Directly comparable as a D2C digital brokerage targeting French consumers.
• Leocare: French digital-first insurance broker offering auto, moto, home, and other personal lines through a mobile-first platform with multi-carrier distribution. Closest direct competitor to Mieux Assuré in business model, target customer, and product mix.
• LeLynx.fr: Major French insurance comparator and broker (owned by Covéa) distributing auto, home, and health coverage from multiple insurers. Comparable in broker model and French consumer focus, though with a comparator-first GTM.
• Assuréo: Online French insurance broker offering auto, moto, scooter, and home insurance from multiple carriers. Closely comparable in product mix, multi-carrier distribution model, and D2C digital GTM.

Emerging players

• Alan: French health and travel insurtech primarily serving individuals and SMEs. Partially comparable as a French digital-first insurance operator with strong brand and tech, though focused on health rather than P&C.

Broad incumbents

• Direct Assurance: AXA-owned direct-to-consumer auto and home insurance brand in France. Operates a much larger digital brokerage/captive distribution business with broader marketing reach and incumbent backing.
• Allianz Direct: The direct-to-consumer arm of Allianz in France, offering auto and home insurance online. Comparable as a digital distribution channel of one of Mieux Assuré's core carrier partners, representing both partnership and competitive overlap.
• Maif: Major French mutual insurer with strong auto, home, and personal lines presence and growing digital distribution. Represents the incumbent benchmark for scale, brand, and product breadth that Mieux Assuré competes against for French consumers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@mieuxassure2510
• Facebookfacebook.com/MieuxAssureAssurance
• LinkedInlinkedin.com/company/mieux-assur-
• Instagraminstagram.com/mieuxassure/?hl=fr
• TikToktiktok.com/discover/mieux-assur%C3%A9-assurance

Compliance4 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 Mieux Assuré