What APRIL MOTO does

APRIL Moto is a French specialist insurance provider, wholly owned by the APRIL Group conglomerate, that has underwritten two-wheeler insurance policies since 1984. The company designs, manages, and distributes insurance contracts covering motorcycles, scooters, 50cc mopeds, quads, off-road motorcycles, bicycles, electric scooters, and delivery vehicles, exclusively to retail consumers in Metropolitan France. Its product architecture is a three-tier coverage framework (Essentielle / Équilibre / Tous risques) extended with optional riders including driver body protection up to €1.2M, accessory coverage up to €10,000, mechanical breakdown, franchise buyout, 24-month purchase value guarantee, and legal protection.

The platform is built around a direct-to-consumer digital experience with online quote generation, digital contract signature, a customer self-service portal, and a broker portal. In June 2026, APRIL Moto became the first European motorcycle insurer to embed its pricing engine inside ChatGPT, enabling conversational AI-mediated quote generation. All contracts bundle a free Liberty Rider Premium subscription providing accident detection and emergency alerts, and the company integrates In&Motion airbag rental, Sentidrive GPS, and DEKRA/Norisko technical inspection discounts as partner benefits.

APRIL Moto generates revenue through recurring monthly premium collections on annual policies with tacit renewal, with pricing driven by driver profile, vehicle type, coverage tier, and bonus-malus history. The company serves a base of 300,000+ customers, reports a 96% NPS MOAI 2024 satisfaction rate, holds a 4.4/5 rating on Opinion Assurances, and operates with customer service in Tours, France, alongside its parent group's Paris headquarters. Brand ambassadorship with MotoGP rider Johann Zarco and recognition as the #1 motorcycle insurance specialist (Tribune de l'Assurance 2021) underpin its category positioning.

Name

APRIL MOTO

Legal name

APRIL Moto

Website

https://april-moto.com

Company type

Private

Founded year

1984

Operating status

Operating

Short description

APRIL Moto is a French specialist insurer under APRIL Group underwriting two-wheeler insurance — motorcycles, scooters, mopeds, quads, e-bikes, and e-scooters — for 300,000+ retail consumers in Metropolitan France via a direct-to-consumer digital platform with three-tier coverage and bundled safety partner benefits.

Ownership category

akta.pro rank

Product category

Two-Wheeler Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Insurance Carriers, Nec (6399)

akta.pro primary industry

Motor Vehicle Liability Insurance (FSAJAMAC)

Keywords

• Motorcycle insurance
• Scooter insurance
• Two-wheeler coverage
• Moped insurance
• Vehicle insurance

Headquarters

HQ city

Tours

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Motorcycle and Scooter Insurance Premiums: APRIL Moto generates revenue through annual insurance premium collections from policyholders. Contracts are established for a minimum duration of one year with tacit renewal. Customers can pay monthly with automatic debit on the 5th of each month. Premiums are calculated based on driver profile, vehicle type, coverage level selected, and bonus-malus coefficient.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

APRIL Moto designs, develops, manages, and distributes specialized two-wheeler insurance contracts for motorcycles, scooters, 50cc mopeds, quads, off-road bikes, bicycles, electric scooters, and delivery scooters in Metropolitan France. The company offers three standardized coverage tiers (Essentielle Tiers liability, Équilibre with theft and fire, Tous Risques full coverage) with optional riders for driver body protection, accessory coverage, mechanical breakdown, franchise buyout, and extended purchase-value guarantee, bundling the Liberty Rider accident-detection app free with every contract.

Product overview

APRIL Moto is a specialist two-wheeler insurance platform offering tiered coverage across a family of vehicle insurance products: motorcycle, scooter, 50cm³ cyclo/moped, quad, off-road motorcycle, bicycle, electric scooter, and delivery scooter insurance. All vehicle categories share the same three-coverage-tier architecture (Essentielle Tiers, Équilibre, Tous Risques) with standardized core inclusions (legal protection, accident assistance) and a shared catalog of optional add-ons (rider body protection up to €1.2M, accessory/equipment coverage up to €10,000, mechanical breakdown, franchise buyout, 24-month purchase value guarantee). The platform bundles the Liberty Rider Premium app at no additional cost, partners with In&Motion for airbag vest rental, and offers Sentidrive GPS tracker discounts. A generative-AI conversational quoting tool was launched in ChatGPT in June 2026. Customer service is headquartered in Tours, France.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• 96% customer satisfaction rate based on NPS MOAI 2024
• +3 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability2 records

Feature3 records

Partnerships

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

• Johann ZarcoflagshipStrategic or Co-development PartnerMotoGP rider Johann Zarco serves as brand ambassador for APRIL Moto. Partnership includes Track the Pro video series where Zarco explains insurance concepts to riders, promotional appearances, and brand association with professional motorsport. Zarco is a French Grand Prix motorcycle racing champion who competes in MotoGP.
• Liberty RidercoreStrategic or Co-development PartnerLiberty Rider smartphone app providing accident detection, emergency alerts, and ride tracking is included free (Premium subscription) with all APRIL Moto insurance contracts. The app has 167 users who were assisted in 2024, 15 lives saved, and 188 accidents avoided in dangerous turns.
• In&MotioncoreGTM or Marketing PartnerPartnership offering 3 months of free In&box REVOLUTION airbag system rental for customers who purchase In&Motion-equipped airbag vests. In&Motion provides crash detection and rider protection technology integrated with APRIL Moto coverage.
• SentidriveminorGTM or Marketing Partner15% discount on Sentidrive GPS trackers (Sentinelle, Sentinelle Mini, or Sentinelle Air) offered to APRIL Moto customers for motorcycle tracking and theft recovery.
• DEKRA, Norisko, AutocontrolminorGTM or Marketing Partner15% discount on technical inspection (contrôle technique) services at partner inspection stations for APRIL Moto customers.
• CertimatminorGTM or Marketing PartnerCertimat partnership providing vehicle inspection and certification services to APRIL Moto customers.
• APRIL GroupcoreOthersAPRIL Moto is a subsidiary brand of the APRIL Group, a major French insurance distribution group. The Group includes APRIL Santé, APRIL Emprunteur, APRIL Prévoyance, APRIL International, APRIL Marine, and APRIL Auto brands.
• GD FranceminorChannel Partner/ Reseller/ DistributorGD France is the official importer for CFMOTO motorcycles in France, working with a network of 250+ dealers. CFMOTO is a Chinese motorcycle manufacturer with KTM partnership and Moto2/Moto3 racing involvement.
• MB Motor FranceminorChannel Partner/ Reseller/ DistributorMB Motor France is the French subsidiary of Motos Bordoy (Macbor's parent company), handling Macbor motorcycle distribution in France. Macbor is a Spanish motorcycle brand focused on 125cc and larger models.
• Le Repaire des MotardsminorGTM or Marketing PartnerContent partnership and sponsor with lerepairedesmotards.com, France's leading motorcycle news and information website. Includes embedded reviews and content features.

Scale indicators9 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Macif: French mutual insurer offering motorcycle and scooter coverage as part of its multi-line P&C portfolio. Targets similar French policyholders through mutual distribution channels.
• AXA France: One of the largest French P&C carriers offering auto and motorcycle insurance through agents, brokers and direct channels. A broad incumbent whose Direct Assurance subsidiary specifically competes with APRIL Moto's digital funnel.
• Matmut: French mutual insurer offering motorcycle and scooter insurance alongside auto, home, and health products. Serves similar French policyholders through mutual distribution and competes with APRIL Moto in the two-wheeler segment.
• Groupama: Large French mutual insurance group with broad two-wheeler coverage distributed via local agents. A broad incumbent in French P&C competing with APRIL Moto on local distribution and bundled household policies.
• Direct Assurance: France's first direct auto insurer (Axa subsidiary) offering motorcycle and scooter policies through a digital-first funnel. Competes with APRIL Moto on price/discoverability for straightforward two-wheeler liability, but as part of a broader auto portfolio.
• Allianz France: Major French P&C insurer offering motorcycle/scooter products through agent and digital channels. Competes with APRIL Moto in the general two-wheeler segment but operates across many lines including life and health.

Direct peers

• Mutuelle des Motards: French mutual insurer exclusively dedicated to motorcycle riders, offering liability, theft, and rider protection products. Direct specialist competitor to APRIL Moto in the French two-wheeler insurance market, ranked below APRIL Moto by Tribune de l'Assurance 2021.
• AMV (Assurance Motard Vert): French online motorcycle and scooter insurance specialist offering multi-tier coverage for two-wheelers. Closest direct competitor to APRIL Moto in the French market, ranked #2 by Tribune de l'Assurance 2021.

Others

• April Auto: Sibling brand within APRIL Group providing auto/car insurance with similar digital-first distribution and three-tier product architecture. Sister entity inside the same parent as APRIL Moto, often cross-promoted to French customers.

Emerging players

• Luko (by Maif / Covéa): French insurtech offering modernized home and mobility insurance with a digital-first experience. Comparable to APRIL Moto on technology-led customer experience, though currently more focused on home than two-wheelers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube-nocookie.com/playlist?list=PLMdi6YczweXkohiWRl0eA1k1pq4daray4
• Facebookfacebook.com/APRIL-Moto-10181851795564
• LinkedInlinkedin.com/company/april-moto

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 APRIL MOTO