What Carene insurance does

Carene assurances is a France-based independent insurance brokerage (courtier en assurances) founded in 1965, registered with ORIAS (No. 07 000 004) and supervised by the ACPR. The company distributes insurance products on behalf of more than 80 insurance carriers through three parallel channels: direct sales to end clients, a nationwide network of 1,500+ partner brokers, and gestion pour compte arrangements with institutional partners. Its proprietary PactOffice platform supports the partner broker channel with policy, claims, and documentation management.

The company operates as a multi-specialty broker, with portfolio depth concentrated in five verticals: collection vehicles (a market-leadership position held since 1993, covering 80,000 vehicles and 375 clubs and anchored by a privileged partnership with the FFVE since 2009), permit-free vehicles/VSP (since 2006), EHPAD and senior residences (1,000+ establishments, SYNERPA partner), aggravated-risk auto insurance, and a broad set of professional and business lines (transport, construction, auto-écoles, auto professionals, plaisance, belles demeures, cyber). Pricing is subscription-based and tailored per risk, with monthly billing available for VSP and annual billing for vehicle and business lines.

Revenue mechanics are commission-based: Carene earns placement and maintenance commissions on each policy it distributes across its 80+ carrier relationships, with no proprietary underwriting balance sheet. The customer base comprises approximately 68,000 individual clients, 9,000 professional clients, 3,000 enterprise clients, and 1,000+ EHPAD establishments. The company is privately held as a Société Anonyme with €12.5M share capital, controlled by its management with no disclosed parent, PE, or institutional ownership, and no disclosed funding rounds to date.

Name

Carene insurance

Legal name

Carene assurances

Website

https://carene.fr

Company type

Private

Founded year

1965

Operating status

Operating

Headcount range

101–250 employees

Short description

Carene assurances is a French independent insurance broker founded in 1965, distributing policies from 80+ carriers via direct sales, 1,500+ partner brokers, and specialty niches including collection vehicles, VSP, EHPAD/senior residences, and professional lines.

Ownership category

akta.pro rank

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

Revenue model

1. Insurance brokerage commissions: Carene assurances acts as an insurance broker (courtier), earning commissions from insurance companies for placing policies. The company works with over 80 insurance companies across all market segments (individuals, professionals, businesses), designing and distributing bespoke insurance contracts and earning commissions on each policy sold and maintained.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Carene assurances is a multi-specialty insurance broker founded in 1965 that designs and distributes tailored insurance contracts by working with 80+ insurance companies across France. The company serves individuals, professionals, and businesses with particular expertise in niche segments including collection vehicles, permit-free cars (VSP), aggravated-risk auto, and EHPAD/senior living facilities. Distribution is handled through direct client relationships, 1,500+ partner brokers supported by the PactOffice digital platform, and gestion pour compte arrangements.

Product overview

Carene assurances is a multi-specialty insurance broker operating since 1965, distributing products through direct sales, a network of 1,500 partner brokers, and managing general accounts for partners. The company works with over 80 insurance companies to offer tailored solutions across personal lines (vehicles, homes) and commercial lines (business risks, employee benefits). The core product portfolio centers on specialty vehicle insurance—particularly classic/collection vehicles (Assurance Véhicules de Collection, a market leader since 1993 with 80,000 vehicles insured) and license-free vehicles (VSP)—complemented by property insurance (habitation, belles demeures, plaisance), commercial insurance (transport, construction, industry, auto professionals, EHPAD/senior residences), and specialized covers (cyber risks, event insurance, legal protection). The company also operates PactOffice, a broker partner portal for policy and claims management. Products are distributed via direct customer contact, the broker partner network, and partnership arrangements, with online quote capabilities for collection vehicles through collection.carene.fr.

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance Véhicules de Collection Specialized insurance for classic and collector vehicles (cars, motorcycles, tractors, military vehicles, buses, utility vehicles, agricultural equipment) over 30 years old, with or without expert appraisal and premium roadside assistance.
• Assurance Véhicules Haut de Gamme Comprehensive insurance for prestige vehicles valued from €30,000 to €50,000+, including modular deductibles, 24/7 roadside assistance in France and abroad, replacement vehicle, driver coverage, and new value guarantee.
• Assurance Voitures Sans Permis (VSP) Insurance for license-free vehicles (quadricycles) from age 16, with formulas ranging from Tiers Simple (€37/month) to Tous risques, including options for cancelled or suspended-license drivers and VSP rental professionals.
• Assurance Risques Aggravés Auto Auto insurance for drivers with aggravated risk profiles (alcohol-related cancellations, license suspension, non-payment history, or poor bonus-malus), with monthly payment options including for cancelled policyholders.
• Multirisque Habitation Home insurance for both renters and property owners, covering primary and secondary residences, with options for jewelry, computer equipment, and musical instruments.
• Assurance Belles Demeures Tailored insurance for prestigious and high-value residential properties, with customized coverage solutions selected from partner insurance companies.
• Assurance Plaisance Marine insurance for pleasure boats, motorboats, sailing vessels, and jet-skis, providing tailored coverage for safe navigation.
• Assurance Transport & Logistique Insurance for transport professionals covering goods in transit, as well as for companies entrusting merchandise to carriers.
• Assurance Construction Insurance products for construction professionals including decennial liability (RC Décennale), Dommages Ouvrage, and All Risks Contractors coverage.
• RC Professionnelle Industrie Professional liability insurance for industrial activities covering business assets, civil liabilities (operational and professional), environmental risks, business interruption, IT risks, and vehicles.
• Assurance Auto-École Specialized insurance for driving schools covering civil liabilities (circulation, operational, professional), premises, and vehicle damage. Partner of UNI[C] for over 10 years.
• Assurance Professionnels de l'Automobile Insurance solutions for auto dealers, garage owners, vehicle sellers, vehicle preparers, and fuel/car wash stations, offering best market rates with optimal quality-price ratio.
• Assurance EHPAD & Résidences Seniors Specialized multi-risk insurance for EHPAD, Senior Living Services, and SSIAS operations. Market-unique consolidated contract covering all operational guarantees. More than 1,000 establishments insured. Official SYNERPA partner.
• Assurance Risques Cyber Cyber insurance with active protection (continuous surveillance, email security against fraud), crisis management with compensation in case of attack, and support toward NIS 2 regulatory compliance.
• Assurance Risques Spéciaux & Événementiels Special risk insurance for event organizers, trade show participants, audiovisual production companies, and exhibitors, covering pre- to post-production, event cancellation, and adverse weather.
• Flottes Automobiles Entreprise Corporate auto fleet insurance solutions for businesses managing multiple vehicles.
• RC des Dirigeants (Mandataires Sociaux) Directors and Officers liability insurance covering personal assets protection in case of legal proceedings during the exercise of duties.
• Santé & Prévoyance Entreprise Employee health insurance and provident fund solutions compliant with collective agreements.
• Retraite & Épargne Salariale Employee retirement and salary savings solutions for businesses.
• PactOffice Partner broker portal providing access for 1,500+ insurance intermediaries to manage Carene-distributed policies, claims, and documentation through a dedicated online platform.

Quantifiable outcome

• 93/100 gender equality index score (2026), demonstrating equitable HR policies
• +3 more outcomes

Named customers8 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

13 partnerships are on record, tiered core, minor and flagship.

• Club Ferrari FrancecoreGTM or Marketing Partner · 1 January 2025Carene assurances became an official partner of Club Ferrari France. The partnership reflects Carene's expertise in insuring exceptional vehicles and strengthens brand positioning among prestige vehicle owners. A dedicated team serves Ferrari owners within Carene's collection vehicle division.
• Mecanicus (Tour Auto team sponsorship)minorGTM or Marketing Partner · 1 January 2024Carene assurances sponsors Mecanicus on the Tour Auto. In 2024, the team ran an Austin Healey 100/4 BN1 of 1955. In 2025, they ran a Mini Cooper S MKII of 1969. The sponsorship provides brand visibility at a major collection vehicle event.
• Women's Motor ClubminorGTM or Marketing Partner · 1 January 2024Carene assurances sponsored the Women's Motor Club anniversary evening event, which highlights women's contributions and passion in the automotive sector. Part of Carene's broader initiative to promote women in automobile.
• Iron Dames / Iron Lynx (Lamborghini)minorGTM or Marketing Partner · 1 January 2024Carene assurances supports Iron Dames, a project promoting female participation in motorsport. Iron Dames competed in the 2024 24 Hours of Le Mans driving a Lamborghini Huracán GT3 EVO2 with Iron Lynx.
• AspenGroup France (Marline / Aspen fuels)minorStrategic or Co-development Partner · 1 January 2024FFVE partnership with AspenGroup France (Marline and Aspen fuel brands) for cleaner fuels for classic vehicles. Carene is mentioned as supporting this FFVE initiative. Not a direct Carene partnership but associated through FFVE relationship.
• FFVE (Fédération Française des Véhicules d'Époque)flagshipStrategic or Co-development Partner · 1 January 2009Carene assurances has been the privileged partner (partenaire privilégié) of the FFVE since 2009. The company insures FFVE's official regularity events and sits on the FFVE professional college. Carene is the official insurer of FFVE regularity historical events and is a signatory and promoter of the FFVE road safety program for vintage vehicles. This is the company's flagship partnership, directly tied to its core collection vehicle insurance expertise. FFVE represents nearly 1,300 clubs.
• Mustang Club de FranceminorGTM or Marketing PartnerCarene assurances is a partner of Mustang Club de France, with logo displayed on the company's partner page.
• Club Ferrari FranceminorGTM or Marketing PartnerListed as a partner on Carene's website homepage. Partnership provides brand visibility among Ferrari enthusiasts.
• ADIE (Association pour le droit à l'initiative économique)minorGTM or Marketing PartnerListed as a partner on Carene's website homepage. ADIE is an association supporting entrepreneurship among disadvantaged populations.
• SYNERPA (Syndicat National des Établissements et Résidences pour Personnes Âgées)coreStrategic or Co-development PartnerCarene assurances is the proud insurance partner of SYNERPA for the senior living sector. Carene participated in SYNERPA's 20th congress (June 2021). The partnership supports Carene's position as a specialist insurer for EHPAD and Résidences Seniors, with Carene's unique multi-risk contract for this sector.
• UNI[C] (Syndicat des Auto-Écoles Indépendantes)coreGTM or Marketing PartnerCarene assurances is a partner of UNI[C] for over 10 years. UNI[C] represents independent driving schools in France. Carene offers a specific, easy-to-subscribe insurance contract for auto-écoles through this channel.
• Classic ExpertminorGTM or Marketing PartnerClassic Expert is a partner offering vehicle appraisal/expertise services. Carene clients receive a 10% discount on Classic Expert appraisals. The partnership supports Carene's collection vehicle insurance process by facilitating vehicle valuation.
• Peter Auto (Tour Auto organizer)minorGTM or Marketing PartnerTour Auto, organized by Peter Auto, is a major event in the collection vehicle calendar. Carene attends and sponsors teams at Tour Auto, leveraging the event for brand visibility among collection vehicle enthusiasts.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• April Group: French multi-specialty insurance broker (courtier) offering personal and commercial lines through partner brokers. Directly comparable to Carene's broker-of-brokers model with access to multiple carriers.
• SPB: French specialty/affinity insurance broker distributing niche products (telecoms, banks, retailers). Highly comparable to Carene's approach of designing bespoke coverage for specific verticals and channels.
• Solly Azar: French insurance broker with a broad multi-carrier offering across personal and professional lines. Comparable to Carene in the use of multiple insurer relationships to serve atypical and standard risks.
• Sham: French mutual insurer specializing in healthcare and medical-social establishments (EHPAD, clinics). Directly overlaps with Carene's EHPAD and Résidences Seniors insurance niche.
• AMV (Assurance Moto Verte): French specialist broker/insurer for two-wheelers and powersports. Highly comparable to Carene in building a defensible specialty around enthusiast/2-wheeler vehicle owners.
• Mutuelle des Motards: French mutual insurer specialized in motorcycles and powersports, with affinity to enthusiast clubs. Comparable specialty niche approach to Carene's collection vehicle expertise.
• L'Olivier Assurance: French direct auto insurance broker offering multi-carrier auto coverage to individual consumers. Comparable to Carene's individual auto brokerage motion, particularly for non-standard profiles.

Broad incumbents

• Allianz France: One of the largest P&C, life and health insurers in France. Competes broadly with Carene across most product lines but does not specialize in collection vehicles, VSP, or EHPAD.
• AXA France: Major French insurance incumbent offering personal, professional and commercial lines. Represents the scale competition Carene faces, and owns Direct Assurance as a digital subsidiary.
• Direct Assurance: AXA-owned French online auto insurer targeting price-sensitive consumers. Represents the direct-to-consumer disintermediation pressure on traditional brokers like Carene.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/careneassurances/following
• LinkedInlinkedin.com/company/carene-assurances
• Instagraminstagram.com/carene_collection
• Xx.com/careneassur

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 Carene insurance