Rétro+

What Rétro+ does

Rétro+ is the commercial brand of Courtage d'Assurances Transeuropéen SAS, a French insurance brokerage firm registered in Paris (RCS PARIS 350894846) and headquartered operationally in Saint-Céré. The company is ORIAS-registered (n°07001752) and supervised by the ACPR, and holds ISO 9001 quality management certification. Its historical and core competency is the underwriting and distribution of specialized insurance policies for vintage, classic, and collection vehicles in France, a niche it has served for over 100 years.

The company's product platform has expanded well beyond collection vehicles into a multi-line insurance offering: daily auto and motorcycle insurance, leisure vehicle coverage (camping-cars, quads/SSV, boats), home insurance (residence, mobil-home), complementary health (Complémentaire Santé), legal protection, Garantie Accidents de la Vie, association liability, and driving license assistance. The technology layer consists of a proprietary member portal ('Espace Adhérent Rétro+ & Moi' at retro.assureur.net), an online quote and subscription engine capable of issuing a quote in 3-5 minutes, paperless digital adhesion via smartphone, and an in-house claims service ('propre service indemnisation') with settlements reportedly within eight days. A dedicated 'On résilie pour vous' service handles cancellation of prior insurance contracts via the Hamon law.

Rétro+ distributes exclusively through direct-to-consumer channels within France: online self-serve, telephone advisors, and event presence at major classic car gatherings, supplemented by a community-led referral program ('Clubs Partenaires', 'Clubs & Collections') and reviews on the Ekomi platform (4.7/5 across ~9,734 reviews). Revenue is generated via recurring subscription premiums on brokered policies, with a 10% lifelong multi-product 'couplage' discount encouraging household-level cross-sell. The company reports over 100,000 members (adhérents) and operates with 51-100 employees across offices in Paris, Saint-Céré, and Mérignac.

Name

Rétro+

Legal name

Courtage d'Assurances Transeuropéen SAS

Website

https://retro.fr

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

51–100 employees

Short description

Rétro+ is a French ORIAS-registered insurance broker specializing in vintage and collection vehicle coverage, expanded into daily auto, leisure vehicles, home, health, and legal protection insurance, serving over 100,000 individual members in France through direct digital and telephone channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Saint-céré

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance premiums - Vehicle: Collection vehicle insurance (auto, motorcycle, prestige), daily vehicle insurance (auto, motorcycle), leisure vehicle insurance (camping-car, quad/SSV, boats). Revenue generated from recurring insurance premiums.
2. Insurance premiums - Habitation: Home insurance (residence, mobil-home), legal protection, generating recurring premiums.
3. Health and supplemental insurance: Complémentaire Santé and Garantie Accidents de la Vie insurance products.
4. Cross-selling incentives: 10% lifelong discount on second and subsequent contracts (couplage offers), encouraging multi-product household subscriptions.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels8 records

Core offering

Rétro+ is a French insurance broker (courtage d'assurances) operating under the Transeuropéen SAS entity that distributes specialty insurance products, principally for vintage, collector, prestige, and youngtimer vehicles, alongside related personal lines such as daily-use and leisure vehicles, home, health, legal protection, accident life, association liability, and driving license assistance coverages. The company combines an online subscription funnel with personalized servicing, serving a customer base accumulated over more than a century of activity.

Product overview

Rétro+ is a French insurance broker (Courtage d'Assurances Transeuropéen SAS) offering a portfolio of insurance products centered on vehicle coverage, with particular expertise in collector and classic vehicles. The core offering comprises vehicle insurance (collection vehicles, leisure vehicles, daily vehicles), home insurance, and supplementary insurance products including health, legal protection, life accidents, and association liability. The product architecture is organized as a unified platform with specialized insurance categories, supported by member services including an online portal (Espace Adhérent), quote/subscription system (Tunnel de Qualification), internal claims handling, and contract termination assistance. The company targets collectors, vehicle enthusiasts, and general insurance consumers in France, emphasizing over 100 years of expertise and ISO 9001 certification.

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance Véhicules de Collection (et Prestige) Specialist vehicle insurance policy covering classic, vintage, and prestige cars for individual owners of collectible automobiles, including usage adapted to limited and event-driven driving.
• Assurance Youngtimers Insurance policy designed for youngtimer vehicles (older modern-era vehicles with collector interest), covering owners of cars in the 15-30 year collector category.
• Assurance Véhicules Quotidiens Everyday-use vehicle insurance policy distributed to individual motorists as a complement to the company's specialty vehicle products.
• Assurance Véhicules de Loisirs Insurance policy for leisure vehicles, targeting individual owners of recreational motor vehicles used for hobby or non-daily purposes.
• Assurance Habitation Home insurance policy for individual households, distributed as a personal-lines extension to vehicle policyholders.
• Protection Juridique Legal protection insurance covering individual policyholders against the cost of legal disputes and defense.
• Complémentaire Santé Supplementary health insurance product for individual policyholders to complement French statutory health coverage.
• Garantie Accidents de la Vie Personal accident life insurance covering individual policyholders against the consequences of everyday-life accidents.
• RC Association Liability insurance product for associations, provided to member organizations requiring civil liability coverage.
• Assistance Permis Driving license assistance coverage for individual policyholders needing protection in the event of license-related issues.

Named customers6 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered minor and core.

• collectionneur.netminorOthersRétro+ is associated with collectionneur.net, a platform for classic car collectors, as a useful link in the footer navigation. Nature of the partnership is not explicitly described.
• Team RétrominorOthersTeam Rétro is referenced as a related site (teamretro.fr), suggesting a racing/competition team sponsorship or affiliation.
• Clubs Partenaires / Clubs & CollectionscoreStrategic or Co-development PartnerRétro+ runs formal partner programs for classic car clubs: 'Clubs Partenaires' and 'Clubs & Collections'. These clubs recommend Rétro+ to their members, and Rétro+ participates in club events. This is a key community-led distribution and brand-building partnership.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Matmut: Major French mutual insurer offering auto, motorcycle, home, and collector vehicle coverage at national scale. Overlaps with Rétro+ across all of Rétro+'s product lines but as part of a much broader portfolio.
• Crédit Agricole Assurances: Bancassurer of Crédit Agricole group distributing personal insurance products (auto, home, health, legal protection) via banking networks. Competes with Rétro+ on cross-sell and bundle economics.
• Allianz France: Major generalist insurer in France with auto, habitation, santé, and jurique products. Comparable broad-line coverage targeting French households with significant resources for cross-channel marketing.
• MAIF: Large French mutual insurer with auto, motorcycle, home, and personal protection products. Competitor on multi-line household coverage; also offers enthusiast/collector-relevant products.
• Groupama: Leading French mutual insurance group offering auto, home, health, and personal protection products. Competes with Rétro+ on multi-line household coverage and digital distribution.
• AXA France: France's largest generalist insurer with auto, home, health, and specialty lines (including prestige/collector vehicles via AXA Collectivités). Overlaps Rétro+'s full product palette at national scale.

Emerging players

• Direct Assurance: Digital-first French insurer (AXA subsidiary) specializing in auto, motorcycle, and home insurance direct via web/app. Comparable digital-first distribution model targeting the same digitally-engaged French consumer base.

Direct peers

• Hagerty: Global specialty insurer/broker dedicated to classic and collector vehicles, with strong European operations. Directly comparable specialist positioning, enthusiast-community engagement, and multi-product vehicle ecosystem matching Rétro+'s niche.
• L'Olivier Assurance: French insurance broker specialized in vintage and classic vehicle insurance. Closely comparable to Rétro+ in target customer (French collector/vehicle owners) and product focus on auto, moto, and prestige collector coverage.
• April Group: Large French insurance brokerage distributing personal and commercial coverages through digital and partner channels. Comparable broker-model distribution, multi-line product portfolio, and France-centric regulatory oversight.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/retroassurance
• Instagraminstagram.com/retro_assurances

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Rétro+