MFA
MFA (Mutuelle Fraternelle d'Assurances) is a French mutual insurance company founded in 1930 that offers auto, home, taxi, health, and savings insurance to individual consumers and professionals in France through 19 physical agencies and a member-owned mutual structure.
- Company typePrivate
- Founded1930
- HeadquartersClichy, France
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What MFA does
MFA (Mutuelle Fraternelle d'Assurances) is a French mutual insurance company founded in 1930 by taxi drivers and headquartered in Clichy, France. Operating as a Société d'assurance mutuelle à cotisations variables governed by the French Insurance Code, MFA is owned by its policyholders (sociétaires) rather than external shareholders, eliminating profit-distribution obligations and aligning surplus with member benefit. The company serves both individual consumers and professionals through a broad portfolio including auto, habitation, taxi, supplemental health, life accidents, camping-car, navigation, caravan, and life-insurance/savings products, with tiered formula sub-brands (Simple, Eco, Malin, Complet) allowing coverage-level differentiation.
The company's go-to-market is primarily sales-led and relationship-driven, anchored by a network of 19 physical agencies (spaces d'accueil) across France complemented by phone service, online quote-request forms, and a 24/7 emergency assistance line. Distribution is augmented through strategic partnerships — most notably a convention with the Fédération Nationale du Taxi (FNDT) for taxi-insurance specialization and municipal partnerships with cities such as Montreuil and Pré Saint-Gervais offering exclusive terms to residents. Customer acquisition relies on a formalized parrainage referral program (€50/€25/€75 payouts for auto/habitation/taxi referrals), content marketing via a blog and an original websérie, and iOS/Android mobile applications. The company deliberately operates without paid advertising, with growth driven by word-of-mouth and member recommendations.
MFA's revenue model is recurring subscription-based through annual insurance premiums across its product lines, with annual revenue disclosed at greater than €80 million, 172 million EUR in assets under management, and a solvency ratio described as one of the strongest in the French market. Technology infrastructure is described as standard — mobile applications, website, and online quote tools — with no disclosed AI, API platform, or proprietary data assets. The company reports a 4.5/5 customer satisfaction rating across 268 reviews and received the 2025 Label d'Excellence for its Habitation product. Leadership is centered on Vincent Boyer as Président directeur général.
MFA firmographics
Firmographics- Name
- MFA
- Legal name
- Mutuelle Fraternelle d'Assurances – MFA
- Website
- https://mfa.fr
- Company type
- Private
- Founded year
- 1930
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- MFA (Mutuelle Fraternelle d'Assurances) is a French mutual insurance company founded in 1930 that offers auto, home, taxi, health, and savings insurance to individual consumers and professionals in France through 19 physical agencies and a member-owned mutual structure.
- Ownership category
- akta.pro rank
MFA industry classification
Industry- Product category
- Personal Lines Insurance
- NAICS
- Insurance Carriers and Related Activities (524), Direct Health and Medical Insurance Carriers (524114)
- SIC
- Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)
- akta.pro primary industry
- Voluntary/Worksite Critical Illness & Hospital Indemnity (Employee-Paid) (FSAIAKAF)
- akta.pro secondary industry
- Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)
Keywords
Where MFA is headquartered
LocationHeadquarters
- HQ city
- Clichy
- HQ country
- France
- HQ region
- Europe
Offices3 records
Markets served
MFA business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Supply Chain, Infrastructure, Others
Revenue model
- Insurance Premiums: MFA generates revenue through collection of insurance premiums from various lines of business including auto, habitation, taxi, health, camping-car, navigation, life accidents, and savings/retirement insurance products. The company operates as a mutual insurance company without shareholders, returning value to sociétaires.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Parrainage referral discounts: 50€ for auto, 25€ for habitation, 75€ for taxi contracts |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels6 records
MFA product offering
Product offeringCore offering
MFA is a mutual insurance company offering a broad portfolio of personal and professional insurance products to French policyholders. Its core offerings include auto insurance (individual and professional), home insurance (Habitation), supplemental health insurance (Mutuelle Santé), specialized taxi insurance, life accident insurance, life insurance and savings (Épargne Assurance-vie), and leisure vehicle insurance covering camping-cars, caravans, and pleasure boats. The company also distributes auto credit products and serves over 170,000 contracts across France through 19 physical agencies, online channels, and mobile applications.
Product overview
MFA (Mutuelle Fraternelle d'Assurances) is a French mutual insurance company offering a broad portfolio of insurance products for both individuals and professionals. The product architecture centers on core insurance lines (auto, home, health, taxi, life accidents, savings, camping, boating, caravan) supplemented by tiered formula sub-brands (Simple, Eco, Malin, Complet for auto/taxi; Propriétaire/Locataire/Etudiant for home). Professional offerings include fleet auto insurance and taxi-specific coverage. The company targets price-conscious customers seeking human-centered service, operating since 1930 with 19 physical agencies across France.
Differentiator
Problem solved
Functional benefit
Products and services
- Assurance Auto
Quantifiable outcome
- 4.5/5 average customer satisfaction rating on 268 reviews
Companies that use MFA
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles3 records
MFA technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
MFA partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- FNDT (Fédération Nationale du Taxi)coreMFA signed a convention with the Fédération Nationale du Taxi to offer specialized insurance products designed specifically for taxi professionals. This partnership includes permanent discounts for federation members. MFA was founded by taxi drivers in 1930 and maintains this professional focus.
- Ville de MontreuilcorePartnership with the municipality of Montreuil and its CCAS (Centre Communal d'Action Sociale) to offer exclusive insurance products to city residents, municipal employees, and CCAS employees. Features 10% discount on auto and habitation insurance.
- Ville du Pré Saint-GervaiscorePartnership with the municipality of Pré Saint-Gervais offering exclusive habitation insurance to residents and municipal employees with preferential rates and 10% annual discount.
- Assistance et Protection Juridique PartnersminorPartners providing assistance services and legal protection coverage as part of MFA insurance contracts.
- Mutuelles Santé PartnersminorHealth insurance partner organizations that complement MFA's health insurance offerings.
- Contrôle Technique PartnersminorTechnical inspection partners providing vehicle inspection services for auto and taxi insurance policies.
- Epargne et Crédits PartnersminorSavings and credit partners providing retirement savings and auto credit products.
Scale indicators8 records
Recent moves6 records
Expansion highlights5 records
MFA competitors and assessment
Company assessmentDirect peers
- Matmut: Matmut is a French mutual insurer with a comparable multi-line P&C and health offering and a similar regional branch network model. Both companies compete directly in auto, home, and personal insurance for individuals and professionals across France.
- Groupama: Groupama is a French mutual insurance group serving individuals, professionals, and farmers with P&C, health, and life products. Its regional mutual structure and broad product portfolio make it a close analog to MFA's positioning.
- MAIF: MAIF is a major French mutual insurance company offering P&C, health, and savings products to individuals and professionals. Like MFA, it operates as a Société d'assurance mutuelle without external shareholders, serving members with a values-driven, human-centered proposition.
- GMF (Groupe Mutuel): GMF is a French mutual insurer historically focused on public-sector employees, offering auto, home, and personal insurance. Its mutual structure and professional-segment specialization overlap with MFA's taxi/professional driver focus.
- Macif: Macif is a French mutual insurer covering auto, home, health, and savings for individuals and professionals. It shares MFA's mutual ownership model and target segments, making it a direct comparison on structure, products, and member-driven service philosophy.
Broad incumbents
- Allianz France: Allianz France is a major multi-line insurer offering auto, home, health, and life products through agents and direct channels. It is a broad incumbent that competes with MFA on the same product suite but with vastly greater scale and brand spend.
- AXA France: AXA France is the dominant French P&C, health, and life carrier and a broad incumbent competitor. It overlaps MFA across virtually every product line but operates at far greater scale and with a more digital-led acquisition model.
- Crédit Mutuel Assurances: Crédit Mutuel Assurances distributes P&C, health, and life products through Crédit Mutuel's bancassurance network. It competes with MFA in the same product categories but leverages a banking distribution model rather than MFA's agency-and-affinity approach.
- Covéa (MAAF, MMA, GMF group): Covéa is a French mutual insurance group combining MAAF, MMA, and GMF brands, covering P&C, health, and savings. It is a direct mutual-structured competitor to MFA at substantially greater scale.
Emerging players
- Luko: Luko is a French insurtech offering simplified home and auto insurance with a fully digital experience. It represents the emerging digital-native model that competes with MFA's traditional agency-and-referral model for younger, mobile-first customers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
MFA social profiles
Digital presenceMFA financial estimates
Financial estimateRevenue estimate
Valuation estimate
MFA leadership team
Management profileNumber of profiles
Profiles1 record
MFA funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MFA 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 MFA
What does MFA do?
MFA is a mutual insurance company offering a broad portfolio of personal and professional insurance products to French policyholders. Its core offerings include auto insurance (individual and professional), home insurance (Habitation), supplemental health insurance (Mutuelle Santé), specialized taxi insurance, life accident insurance, life insurance and savings (Épargne Assurance-vie), and leisure vehicle insurance covering camping-cars, caravans, and pleasure boats. The company also distributes auto credit products and serves over 170,000 contracts across France through 19 physical agencies, online channels, and mobile applications.
Is MFA a public or private company?
MFA is a private company. It is classified as management employee owned and is currently operating.
When was MFA founded?
MFA was founded in 1930. It employs 51 to 100 people.
Where is MFA based?
MFA is headquartered in Clichy, France, in the Europe region.
How does MFA make money?
One revenue line is on record: insurance Premiums.
Who are MFA's main competitors?
Direct peers on record are Matmut, Groupama, MAIF, GMF (Groupe Mutuel) and Macif. Broad incumbents are Allianz France, AXA France, Crédit Mutuel Assurances and Covéa (MAAF, MMA, GMF group). Luko is listed as an emerging player.
Does MFA have an API?
No public API is recorded for MFA.
What industry is MFA in?
MFA's product category is Personal Lines Insurance. Its primary akta.pro industry code is FSAIAKAF, Voluntary/Worksite Critical Illness & Hospital Indemnity (Employee-Paid), with a secondary code of FSAGAGAL, Embedded Insurance & Affinity Distribution Platforms. Its NAICS code is 524 and its SIC code is 6331.