What IRP AUTO does

IRP AUTO GESTION is a French non-profit social protection association (Association Loi 1901) founded on 29 September 2004 and headquartered at 39 avenue d'Iéna, Paris (CS 21687, 75202 Paris Cedex 16), with operational support offices in Angoulême and Gennevilliers. It operates as the designated social protection partner for the French automotive services branch under the Convention Collective Nationale des services de l'Automobile (CCNSA, IDCC 1090), serving employers, salaried employees, apprentices, retirees, and self-employed artisans (TNS) across car dealerships, repair shops, technical inspection centers, auto schools, and motorcycle and cycle retailers. The organization is governed by social partners (employer and employee representatives) on a paritary basis, with no external shareholders.

The product platform centers on core insurance — IRP AUTO MPA (mutuelle santé) covering medical, dental, optical and hearing under the 100% Santé reform, IRP AUTO Prévoyance for death/disability/invalidity, IRP AUTO Emprunteur (borrower insurance, awarded Label Excellence 2026), IRP AUTO Retraite Complémentaire (Agirc-Arrco), and Épargne Salariale IRP AUTO (participation, intéressement, PEE/PERCO). Add-on modules include Document Unique (DUERP) occupational risk compliance, AUTO PAIE sector-specific online payroll, the IRP AUTO Santé mobile app, the BGV (Budget Grande Vitesse) budgeting application developed with CRÉSUS, the JobToMove employment portal, retirement support (Sortir Plus, Du Soleil dans la Voix companionship calls), and a vacation subsidy program covering up to 53% of stay costs at partner villages. Underlying technology is a web-based service platform with enterprise and individual account portals, SSL 128-bit encryption, profile-specific content management, and mobile applications on iOS and Android.

Revenue is generated primarily through recurring subscription-based contributions for health and provident coverage (split between employer and employee under CCNSA), Agirc-Arrco retirement contribution management, employee savings plan fees, and subscription or per-transaction fees for payroll (AUTO PAIE), DUERP, and borrower insurance. Distribution is anchored by employer-mediated collective enrollment under the convention, supplemented by direct digital subscription portals, an inside-sales phone helpline (097 100 1000) with structured routing, in-person advisory presence (general assemblies, moove on salon, Cafés des Aidants), and digital content (newsletters, webconferences). Scale signals include 92.4% client satisfaction, a 9.2/10 spontaneous recommendation score, ~90 general assembly representatives, and access to over 900 social aids through BGV. The group operates exclusively within France and has not disclosed financial figures publicly.

Name

IRP AUTO

Legal name

IRP AUTO GESTION, Association Loi 1901

Website

https://irp-auto.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

251–500 employees

Short description

IRP AUTO GESTION is the French non-profit social protection group designated by the National Collective Agreement for Automotive Services (IDCC 1090), delivering health insurance, provident coverage, Agirc-Arrco retirement, employee savings, payroll, and social action services to employers, employees, retirees, and self-employed professionals across France's automotive services sector.

Ownership category

akta.pro rank

Product category

Group Social Protection Insurance

NAICS

Health and Welfare Funds (525120), Insurance and Employee Benefit Funds (5251)

SIC

Accident & Health Insurance (6321)

akta.pro primary industry

Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)

Keywords

• Supplementary health insurance
• Provident insurance coverage
• Complementary retirement plans
• Employee savings schemes
• Social protection services

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health insurance (Mutuelle santé) subscriptions: Monthly/annual subscription-based supplementary health insurance for employees, artisans, and retirees of automotive services. Revenue generated through employer-sponsored collective contracts and individual contracts, with contributions paid by employees and/or employers.
2. Provident insurance (Prévoyance) premiums: Collective provident insurance covering death, disability, and invalidity risks for automotive sector employees. Premiums are collected from employers and/or employees as part of mandatory professional social coverage.
3. Complementary retirement (Retraite complémentaire) management: Management of mandatory complementary pension contributions (Agirc-Arrco) for the automotive sector. Revenue may include management fees from affiliated members and partner institutions.
4. Employee savings (Épargne salariale) products: Profit-sharing and employee savings plans (participation, interest-sharing, company savings plans) offered to member companies.
5. Borrower insurance (IRP AUTO Emprunteur): Credit insurance product for real estate loans targeting automotive professionals, offered at competitive rates.
6. Payroll management services (Auto Paie): Online payroll processing service for automotive businesses, generating subscription or per-transaction fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels10 records

Core offering

IRP AUTO provides comprehensive social protection services — including supplementary health insurance (mutuelle), provident/death-disability coverage, complementary retirement management, employee savings plans, occupational risk prevention, and social action aid — for professionals in the French automotive services sector operating under the Convention Collective Nationale des services de l'Automobile (IDCC 1090). It is a paritarian Association Loi 1901 serving employers, employees, retirees, artisans and apprentices across the automobile, cycle, and motorcycle services value chain.

Product overview

IRP AUTO is a comprehensive social protection group for professionals in the automobile, cycle, and motorcycle services sector. The offering is structured as a multi-product platform centered on IRP AUTO Prévoyance-Santé (health insurance and provident fund), complemented by retirement savings (IRP AUTO Retraite Complémentaire), employee savings (Épargne Salariale), and specialized services. Core insurance products (IRP AUTO MPA for health, IRP AUTO Prévoyance for provident coverage, IRP AUTO Emprunteur for loan insurance) form the foundation, with add-on modules like Document Unique (risk assessment), AUTO PAIE (payroll management), and BGV (budget tracking) extending functionality. The group also provides social action services, prevention programs, vacation assistance, and digital tools including a mobile application and the JobToMove employment portal.

Differentiator

Problem solved

Functional benefit

Brands

• AUTO PAIE: Online payroll management solution dedicated to automotive professionals
• JobToMove
• IRP AUTO Santé
• IRP AUTO Emprunteur
• IRP AUTO & moi
• BGV (Budget Grande Vitesse)
• Document Unique
• AUTO SANTÉ PRO

Products and services

• IRP AUTO MPA (Mutuelle Professionnelle de l'Automobile) Mandatory and complementary health insurance (mutuelle) for automotive sector professionals, covering medical expenses, hospitalizations, dental, optical, and hearing care under the 100% Santé reform.
• IRP AUTO Prévoyance Collective provident insurance covering work stoppage, disability, invalidity, and death for employees and self-employed workers in automotive services.
• IRP AUTO Emprunteur Borrower insurance covering real estate and other loan repayments in case of death, disability, or incapacity; awarded the Label Excellence 2026 by Les Dossiers de l'Épargne et de l'Assurance.
• IRP AUTO Retraite Complémentaire Complementary retirement savings product managed in partnership with Agirc-Arrco, providing additional pension benefits beyond the basic French state retirement for employees and self-employed workers.
• Épargne Salariale IRP AUTO Employee savings products including profit-sharing (participation), incentive schemes (intéressement), and collective retirement savings plans (PERCO/PEE) for automotive sector companies.
• Document Unique (DUERP) Turnkey service for creating and maintaining the mandatory Single Professional Risk Assessment Document (Document Unique d'Évaluation des Risques Professionnels) required by French labor law.
• IRP AUTO Action Sociale Social assistance services including emergency financial aid, CESU vouchers for family assistance (childcare, household help), maternity support, and aid for natural disasters, targeting employees, retirees, and vulnerable populations.
• AUTO PAIE Online payroll management solution designed specifically for automotive sector professionals, offering simplified payroll processing, compliance with the automotive collective agreement, and real-time management.
• Services Vacances IRP AUTO Vacation support services including access to partner vacation villages at discounted rates (up to 53% participation), financial assistance for vacation costs, and dedicated programs for caregivers.
• Services Bien Vieillir IRP AUTO Support services for retirees including 'Sortir Plus' mobility assistance for those aged 75+, temporary home help services, loneliness-prevention phone calls via partner 'Du Soleil dans la Voix', and home adaptation financial aid.

Quantifiable outcome

• 92.4% of clients satisfied or very satisfied with their IRP AUTO experience
• +3 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• Agirc-ArrcocoreStrategic or Co-development PartnerIRP AUTO operates as the designated institutional partner for complementary retirement management under the Agirc-Arrco framework for the automotive services sector. The partnership covers retirement contributions, pension liquidation, and joint social action programs (action sociale) including home help services, 'Sortir Plus' mobility assistance, and prevention centers. Both organizations share social priorities defined every five years by the Agirc and Arrco Boards.
• CRÉSUScoreStrategic or Co-development PartnerCRÉSUS (association recognized as being of public utility, 30 years of experience in financial hardship support) developed the BGV (Budget Grande Vitesse) web application in partnership with IRP AUTO. CRÉSUS also provides personalized budget coaching and debt restructuring support for IRP AUTO members facing financial difficulties. The partnership enables IRP AUTO to offer comprehensive financial wellness services to its members.
• Association Française des Aidants (French Family Caregivers Association)coreStrategic or Co-development PartnerNational partnership for the development of joint actions supporting family caregivers ('aidants familiaux'). The partnership contributes to developing the national network of 'Cafés des Aidants' — more than 100 locations across France where caregivers can meet, exchange, and receive support in a friendly setting. IRP AUTO and the Association work together on caregiver support programs, information exchanges, and thematic workshops.
• Du Soleil dans la VoixcoreStrategic or Co-development PartnerPartnership with the 'Du Soleil dans la Voix' association to combat isolation among retirees aged 70+ through regular companionship phone calls. IRP AUTO fully funds this service in collaboration with Agirc-Arrco, providing emotional support and social connection for isolated retired members.
• La Branche des services de l'automobilecoreStrategic or Co-development PartnerThe automotive sector branch (represented by social partners and the Commission Paritaire Nationale des services de l'Automobile) designates IRP AUTO as its official social protection institution, covering prevention, health, provident, retirement, savings, and social action for all sector professionals.
• Bienvenue chez le DoccoreStrategic or Co-development PartnerMulti-year media partnership with the TV program 'Bienvenue chez le Doc', broadcast from automotive sector apprenticeship training centers (CFAA). IRP AUTO sponsors and participates in special live episodes, engaging with apprentices and training professionals. The partnership was renewed for the 2026 season.
• JobToMoveminorChannel Partner/ Reseller/ DistributorJobToMove (jobtomove.fr) is the automotive sector's dedicated employment portal, referenced as a partner service by IRP AUTO for connecting job seekers with automotive sector employers.
• moove on (CNIT Forest Paris)coreGTM or Marketing PartnerIRP AUTO participated as an engaged partner at the 'moove on' trade show — the salon for the future and performance of automotive and mobility services — held at CNIT Forest Paris. IRP AUTO hosted a stand, delivered workshops on economic performance and RSE/prevention, conducted TV interviews, and offered pre-diagnostic services and quizzes for attendees.
• AUTO PAIEcoreGTM or Marketing PartnerAUTO PAIE (autopaie-irpauto.fr) is a dedicated online payroll management service for automotive sector businesses, developed and marketed by IRP AUTO. It is featured as a 'Plus de Services' (additional service) within the IRP AUTO ecosystem, with cross-promotion through the main website menu.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• AG2R La Mondiale: One of France's leading social protection groups, offering health insurance, provident coverage, retirement, and savings products to individuals and enterprises across multiple professional sectors. Directly comparable to IRP AUTO in product suite and paritarian governance model, but operates at a much larger scale and across many sectors rather than being sector-designated.
• Malakoff Humanis: Major French social protection group formed from the merger of Malakoff Médéric and Humanis, providing health, provident, retirement, and employee savings to a broad enterprise and individual client base. Closely comparable paritarian structure and product mix to IRP AUTO, serving multiple sectors at significantly greater scale.
• Groupe VYV: France's leading mutualist health and social protection group, encompassing Harmonie Mutuelle, MGEL, and other mutuelles. Offers a comparable integrated suite of health, provident, and care services — overlapping with IRP AUTO's mutuelle santé, action sociale, and prevention offerings, though VYV operates across populations rather than a single sector designation.

Direct peers

• Klesia: French social protection group serving multiple professional sectors through paritarian governance, offering health insurance, provident coverage, retirement, and social action services. Operates on the same institutional model as IRP AUTO — designated institution under collective agreements — making it one of the closest structural analogues in the French market.
• Pro BTP: Designated social protection institution for the French building and public works (BTP) sector, providing health, provident, retirement, savings, and social action services to construction workers, retirees, and artisans. Highly comparable to IRP AUTO in its sector-specific designation model, paritarian governance, and integrated product suite — the canonical peer for sector-bounded French social protection institutions.
• Audiens: Designated social protection group for the French culture, media, and entertainment sectors, offering health, provident, retirement, and social action services. Mirrors IRP AUTO's model of providing comprehensive social protection under collective agreements for a specific professional sector, with comparable paritarian governance and convention-aligned product design.
• AGRICA: French social protection institution dedicated to the agricultural sector (salaried employees, retirees, and agricultural company directors), offering health, provident, retirement, and savings products. Closely comparable to IRP AUTO as a sector-designated paritarian institution providing an integrated social protection suite under collective agreement governance.

Emerging players

• Henner: French group specializing in health and provident insurance for companies and expatriates, with strong B2B distribution and international capabilities. Comparable to IRP AUTO in group health and provident offerings, but positioned as a commercial specialist rather than a sector-designated paritarian institution.
• Alan: French health insurtech providing digital-first health insurance to companies and individuals. Represents the technology-enabled competitive threat to traditional French health insurers like IRP AUTO's mutuelle santé book, and a useful reference for digital UX, member engagement, and the pace of tech investment IRP AUTO must match.

Others

• Crédit Mutuel Arkéa: French mutual banking group with insurance subsidiaries (Suravenir, Arkea Assurance) offering life, health, and provident products to retail and enterprise customers. Adjacent comparable as a French mutualist institution with broad financial services including insurance, useful as a benchmark for the mutual/association governance model and product economics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/toutrouleirpauto
• LinkedInlinkedin.com/company/irpauto

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries12 records

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 IRP AUTO