Eurofil
Eurofil is a French direct-to-consumer online insurance brand serving 250,000+ individual consumers with auto, 2-wheeler, personal accident, and home insurance, distributed via its website and 350+ phone advisers, and now operating under Allianz Direct since January 2026.
- Company typePrivate
- Founded1989
- HeadquartersBois-colombes, France
- Headcount251–500
- GTM typeB2C
- OfferingServices
What Eurofil does
Eurofil is a French direct-to-consumer insurance brand operating primarily in auto, 2-wheeler, personal accident, and (since 2024) home insurance, serving individual consumers across France. Founded in 1989 and based in Bois-Colombes, the company has built a 250,000+ customer base over 35+ years using a hybrid distribution model: a fully self-serve website offering sub-2-minute auto quotes, a 24/7 secure customer portal (Espace Personnel) for policy management and claims filing, and 350+ phone-based advisers supporting more complex sales and post-sale service. Product architecture centers on a modular auto platform with five coverage tiers (Tiers, Tiers + Bris de Glace, Tiers + Bris de Glace + Vol, Tous Risques, Tous Risques MAXI) and seven priced add-on options covering assistance, mechanical breakdown, glass damage, zero-deductible upgrades, purchase-value protection, and financial-loss cover for leased vehicles (LOA/LLD).
The technology stack is conventional web-insurance infrastructure: a real-time pricing engine, an online claims declaration portal with 48-hour adviser callback, cookie-based consent management (Didomi), bot protection (Cloudflare), A/B testing (Kameleoon), web analytics (Adobe Analytics, Mouseflow), and payment integrations (Payline, Amazon Pay). The operating model has shifted materially in 2026: since January 1, 2026, Eurofil is part of Allianz Direct, the 100% digital subsidiary of Allianz Group, with policies now underwritten by Allianz Direct Versicherungs (French branch) and home insurance distributed through the Luko by Allianz Direct platform under a co-branded referral arrangement.
The business model is subscription-based insurance premium revenue across monthly and annual billing cadences, with revenue streams from auto policies (multiple tiers and add-ons), motorcycle insurance, personal accident cover, and home insurance via Luko. Customer acquisition is purely digital-direct (website, SEO, social, referral/sponsorship) without physical retail, supported by a 2,300+ approved garage network and multi-partner glass-repair ecosystem (Mondial Pare-Brise, France Pare-Brise, Carglass, GlassAuto) for claims handling. Customer outcomes reported by the company include 229 EUR average savings on auto for new clients, 96% recommendation among auto customers (INIT survey, Oct–Dec 2024, n=1,219), 83% recommendation after claims (INIT survey, Jan–Mar 2023, n=876), and a 4.5/5 Ekomi rating from 426 reviews in 2025.
Eurofil firmographics
Firmographics- Name
- Eurofil
- Legal name
- Allianz Direct Versicherungs, succursale française
- Website
- https://eurofil.com
- Company type
- Private
- Founded year
- 1989
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Eurofil is a French direct-to-consumer online insurance brand serving 250,000+ individual consumers with auto, 2-wheeler, personal accident, and home insurance, distributed via its website and 350+ phone advisers, and now operating under Allianz Direct since January 2026.
- Ownership category
- akta.pro rank
Eurofil industry classification
Industry- Product category
- Auto Insurance
- NAICS
- Other Direct Insurance (except Life, Health, and Medical) Carriers (524128)
- SIC
- Insurance Carriers, Nec (6399)
- akta.pro primary industry
- Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)
- akta.pro secondary industry
- Vehicle Extended Warranty (VSC) & Mechanical Breakdown Insurance (MBI) (FSAJALAA)
Keywords
Where Eurofil is headquartered
LocationHeadquarters
- HQ city
- Bois-colombes
- HQ country
- France
- HQ region
- Europe
Offices2 records
Markets served
Eurofil business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Supply Chain, Infrastructure
Revenue model
- Auto insurance premiums: Recurring annual or monthly insurance premium revenue from auto policies across 5 formula tiers (Tiers, Tiers + Bris de Glace, Tiers + Bris de Glace + Vol, Tous Risques, Tous Risques MAXI) and 7 optional add-on packs. Premiums are billed monthly or annually. The insurer is Allianz Direct Versicherungs (French branch).
- Home insurance (via Luko by Allianz Direct): Home insurance products offered through the Luko by Allianz Direct platform, to which Eurofil refers customers via its website.
- 2-wheeler / motorcycle insurance: Insurance for motorcycles and scooters, referenced as a separate product line alongside auto and home.
- Accident of life / Protection Familiale Accident: Personal accident insurance covering the family against life accidents.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Tiers — third-party liability only, minimum legal coverage |
| Subscription | Monthly | Tiers + Bris de Glace — third-party + glass coverage |
| Subscription | Monthly | Tiers + Bris de Glace + Vol — third-party + glass + theft/fire |
| Subscription | Monthly | Tous Risques — full comprehensive coverage |
| Subscription | Monthly | Tous Risques MAXI — maximum comprehensive with enhanced services |
| Subscription | Monthly | Assistance Initiale option — breakdown 0km |
| Subscription | Monthly | Assistance Intégrale option — breakdown 0km + vehicle loan |
| Subscription | Monthly | Assistance Maximale option — maximum breakdown 0km + replacement vehicle |
| Subscription | Monthly | Panne mécanique (Mechanical breakdown) option |
| Subscription | Monthly | 0 EUR franchise bris de glace option |
| Subscription | Monthly | 0 EUR franchise dommages, vol et incendie option |
| Subscription | Monthly | Valeur d'achat (Purchase value) option |
| Subscription | Monthly | Perte financière (Financial loss) option |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
Eurofil product offering
Product offeringCore offering
Eurofil is a French online insurance company that sells modular auto insurance with five coverage formula tiers (Tiers to Tous Risques MAXI) and seven optional add-on packs, alongside home, 2-wheeler/motorcycle, and personal accident (Protection Familiale Accident) insurance. Customers subscribe directly via the Eurofil website or by phone, with policies underwritten by Allianz Direct Versicherungs (French branch) and supported by a 24/7 online portal for contract management and claims.
Product overview
Eurofil is a French online insurance company offering a modular auto insurance platform with five core coverage tiers (from Tiers basic to Tous Risques MAXI) plus seven add-on options. Core products include auto insurance with liability, driver protection, and legal coverage; enhanced assistance packages at three levels; and zero-deductible options. Add-on modules cover mechanical breakdown, purchase value protection, and financial loss for leased vehicles. The company also offers motorcycle/two-wheeler insurance, family accident protection, and home insurance (via Luko by Allianz Direct partnership). Customers interact through a 24/7 self-service portal for quotes, claims, and document management. Eurofil operates as part of Allianz Direct since January 2026.
Differentiator
Problem solved
Functional benefit
Products and services
- Assurance Auto (Auto Insurance — 5 formula tiers) Modular auto insurance with five tiers ranging from basic third-party liability (Tiers) to maximum comprehensive coverage (Tous Risques MAXI). Includes driver protection, optional add-on packs, 24/7 assistance, and online subscription targeting French private individuals.
- Assurance Moto / 2 Roues (Motorcycle and Two-Wheeler Insurance) Motorcycle and two-wheeler insurance covering similar protection tiers to auto insurance, available online for individual French consumers.
- Protection Familiale Accident (Personal Accident Insurance) Family personal accident insurance providing financial compensation for injuries or death caused by accidents in daily life, covering the whole family.
- Assurance Habitation (Home Insurance via Luko by Allianz Direct) Home insurance exclusively offered through the Luko by Allianz Direct platform, to which Eurofil website visitors are redirected. Provides property insurance for French consumers under the Allianz Direct group.
Quantifiable outcome
- Average savings of 229 EUR on auto insurance (survey of 122 new clients, Oct–Dec 2024)
- +4 more outcomes
Companies that use Eurofil
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
Eurofil technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration14 records
Feature3 records
Eurofil partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- Allianz Direct (Allianz Direct Versicherungs)coreEurofil joined Allianz Direct effective 1 January 2026. Allianz Direct is the 100% digital subsidiary of European insurance leader Allianz Group. Eurofil policies are now underwritten by Allianz Direct Versicherungs (French branch). The alignment enables Eurofil to leverage Allianz's financial strength and digital insurance expertise while maintaining its brand and customer experience.
- Luko by Allianz DirectcoreEurofil's home insurance is now exclusively offered via the Luko by Allianz Direct platform, which is also owned by Allianz Direct. Eurofil refers its website visitors to Luko for home insurance quotes and services, enabling a co-branded digital experience.
- Mondial Pare-BriseminorApproved glass repair partner. Customers with glass coverage can have windscreen and glazing repaired or replaced at 3,000+ centres across France at no deductible cost, with a loan car during repairs.
- France Pare-BriseminorApproved glass repair partner. Glass damage coverage allows repairs or replacement at partner centres at no deductible with the 0 euro franchise option, including mobile interventions within 48 hours.
- CarglassminorApproved glass repair partner. Provides windscreen and glazing repair/replacement services through 3,000+ partner centres for Eurofil policyholders with glass coverage.
- GlassAutominorApproved glass repair partner integrated into Eurofil's glass damage network.
- AutosurminorEurofil clients receive a 15% discount on mandatory or voluntary technical inspections (contrôle technique) at Autosur centres, presenting proof of Eurofil auto insurance.
Scale indicators9 records
Recent moves7 records
Expansion highlights5 records
Eurofil competitors and assessment
Company assessmentDirect peers
- Luko by Allianz Direct: Sister brand within Allianz Direct offering home insurance in France and now the exclusive distribution channel for Eurofil's home line. Direct overlap on French consumer insurance and shared parent group makes it the most comparable peer.
- Direct Assurance: AXA-owned French direct auto and home insurer selling entirely online/by phone with modular coverage tiers. Closely comparable on product, customer (French individual) and fully digital GTM motion.
- LeLynx: Leading French insurance comparison platform letting consumers quote auto, home, and health insurance from multiple carriers. Competes for the same online quote-and-buy moment in the French consumer journey.
Broad incumbents
- Matmut: Major French mutual insurer offering auto, home, and personal insurance directly and via agencies. Competes with Eurofil across the same product lines and target customer segments in France.
- GMF: French mutual insurer (Covéa group) offering auto, home, and personal accident insurance to individuals. Direct overlap on product offering and customer base with Eurofil's auto and accident lines.
- MAIF: French mutual insurer with strong brand recognition in auto and home. Competes for the same quality- and service-oriented French consumer segment that Eurofil targets.
- Groupama: Large French mutual insurer with significant auto and home market share. Targets the same individual French consumer with comparable coverage tiers and add-on modules.
- Macif: French mutual insurer (Aéma group) offering auto, home, and personal insurance to individuals. Comparable customer profile and product breadth, primarily competing via regional agency network.
Emerging players
- Alan: French digital health/insurance challenger with strong digital-first GTM. Comparable on digital UX and direct-to-consumer distribution within French personal insurance; however focused on health rather than auto.
- Coverbox: French pay-as-you-drive auto insurance startup offering usage-based telematics pricing. Targets the same online French auto consumer with a differentiated pricing model.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Eurofil social profiles
Digital presenceEurofil financial estimates
Financial estimateRevenue estimate
Valuation estimate
Eurofil leadership team
Management profileNumber of profiles
Eurofil funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Eurofil 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 Eurofil
What does Eurofil do?
Eurofil is a French online insurance company that sells modular auto insurance with five coverage formula tiers (Tiers to Tous Risques MAXI) and seven optional add-on packs, alongside home, 2-wheeler/motorcycle, and personal accident (Protection Familiale Accident) insurance. Customers subscribe directly via the Eurofil website or by phone, with policies underwritten by Allianz Direct Versicherungs (French branch) and supported by a 24/7 online portal for contract management and claims.
Is Eurofil a public or private company?
Eurofil is a private company. It is classified as corporate owned and is currently operating.
When was Eurofil founded?
Eurofil was founded in 1989. It employs 251 to 500 people.
Where is Eurofil based?
Eurofil is headquartered in Bois-colombes, France, in the Europe region.
How does Eurofil make money?
Four revenue lines are on record. Auto insurance premiums are the primary driver. The others are home insurance (via Luko by Allianz Direct), 2-wheeler / motorcycle insurance and accident of life / Protection Familiale Accident.
Who are Eurofil's main competitors?
Direct peers on record are Luko by Allianz Direct, Direct Assurance and LeLynx. Broad incumbents are Matmut, GMF, MAIF, Groupama and Macif. Emerging players are Alan and Coverbox.
Does Eurofil have an API?
No public API is recorded for Eurofil.
What industry is Eurofil in?
Eurofil's product category is Auto Insurance. Its primary akta.pro industry code is FSAJAAAA, Standard Personal Auto Insurance (Liability, Collision & Comprehensive), with a secondary code of FSAJALAA, Vehicle Extended Warranty (VSC) & Mechanical Breakdown Insurance (MBI). Its NAICS code is 524128 and its SIC code is 6399.