What Cylantro does

Cylantro is a French digital insurance broker (SAS) headquartered in Niort and founded in 2020 by Thomas Arnou to address what the founders perceived as an underserved micro-mobility insurance market in France. The company operates as a courtier d'assurance — an intermediary that distributes and manages insurance — rather than as a risk carrier. Underwriting capacity is provided by Wakam (formerly La Parisienne Assurances) while 24/7 assistance is delivered through IMA (Inter Mutuelles Assistance). Cylantro's product suite covers bicycles, electrically assisted bicycles (VAE), cargo bikes, tricycles, electric scooters and broader NVEI/EDPM vehicles (gyropodes, monowheels, hoverboards, mini-scooters), and apartment insurance for owners and tenants.

The core of Cylantro's offering is a 100% digital platform accessed via cylantro.eu that delivers automated quote generation, electronic signature subscription, and remote claims management. The principal technical differentiator is an expertise-based valuation methodology co-developed with professional cycle shops that allows the underwriting of used bicycles older than two years and without purchase receipts — a use case traditional insurers typically exclude. Pricing is algorithmic and minimal-input, designed to compress underwriting friction while remaining consistent with French mutualization principles. An associative profit-sharing program (Partage Associatif) redistributes portions of surplus premiums to charities selected by policyholders. Public pricing for individual policies begins at approximately €3.50/month for mandatory e-scooter liability and €3.99/month for bicycle insurance.

Commercially, Cylantro runs a hybrid direct-to-consumer and B2B motion: direct sales through its website, supplemented by white-label and embeddable integrations for e-commerce platforms (cart widgets), a dedicated fleet management platform for rental and leasing operators, and in-store sales tools for vélocistes. Named partners include Cyclofix, Bloom, M2M, Stations Bees, Bee.cycle, Urban Cycle, TUR, Pastel, and Ogden, alongside operational partners Wakam, IMA, Betterway, Bike&Win, and FUB. In 2024 Cylantro entered a merger/combination with UK-based Laka, under which Cylantro redirects its bicycle insurance customers to the unified Laka platform. Cylantro remains an operating entity registered as Cylantro SAS (SIREN 880512546) with €10,000 of fully paid capital and a 1–10 employee headcount; no institutional funding, revenue, or subscriber metrics are publicly disclosed.

Name

Cylantro

Legal name

Cylantro SAS

Website

https://cylantro.eu

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

Cylantro is a French digital insurance broker offering 100% online bicycle, e-bike, electric scooter, and apartment insurance via algorithmic pricing and an expertise-based used-bike valuation system, distributing through both direct-to-consumer and B2B white-label channels, with a 2024 merger into UK-based Laka.

Ownership category

akta.pro rank

Product category

Micro-mobility Insurance Brokerage

akta.pro primary industry

Telematics-Based Insurance & Usage-Based Rating (UBI) (TLABANAK)

akta.pro secondary industries

Commercial Fleet Telematics / Usage-Based Insurance (UBI) (FSAJABAI), Cycling & Micromobility Products Distribution (CRAOAJAF)

Keywords

• Bicycle insurance
• Micro-mobility insurance
• Electric scooter insurance
• Apartment insurance
• Insurance brokerage

Headquarters

HQ city

Niort

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Individual Insurance Premiums: Monthly subscription payments from individual customers for bicycle, electric scooter, and apartment insurance. Premiums are based on vehicle value, location, and coverage level.
2. Partner/Reseller Commissions: Revenue from B2B partnerships where e-commerce platforms, fleet operators, and vélocistes sell Cylantro insurance products and receive compensation per subscription.
3. Fleet Management Services: Platform services for fleet operators to manage and insure their bicycle and scooter fleets, including integration tools and dedicated products.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels4 records

Core offering

Cylantro is a 100% digital French insurance broker selling subscription-based insurance products for bicycles, electrically assisted bicycles (VAE), cargo bikes, electric scooters/NVEI, and primary-residence apartments. Coverage is underwritten by Wakam, with assistance provided by IMA, and is distributed directly to consumers via cylantro.eu and to businesses through white-label, e-commerce widget, and fleet management channels.

Product overview

Cylantro is a digital insurance broker operating a platform-plus-partner model. The core Cylantro platform offers individual insurance products including bicycle insurance (Assurances vélo), electric scooter/NVEI insurance (Assurances trottinette), and apartment insurance (Assurances appartement), all available through 100% digital subscription and claims processing. For business clients, Cylantro provides fleet insurance (Assurances flottes) and white-label B2B solutions (Assurances sur-mesure) for partners including e-commerce platforms and fleet operators. The company has also united with Laka, an acquired/partner brand offering premium bicycle insurance with no deductible and no commitment. Coverage is underwritten by Wakam (formerly La Parisienne Assurances) with assistance services from IMA (Inter Mutuelles Assistance).

Differentiator

Problem solved

Functional benefit

Brands

• Laka: Bicycle insurance product offered through a partnership with UK-based Laka; Cylantro redirects customers to Laka's platform following a 2024 business combination.
• Partage Associatif

Products and services

• Assurance vélo / VAE (Cylantro bicycle insurance) Subscription-based bicycle, electrically assisted bicycle (VAE), cargo bike, and tricycle insurance for individual owners in France, covering theft, damage, bodily injury, and assistance. Available new or used with or without invoice, from €3.99/month.
• Assurance trottinette / NVEI (electric scooter and personal motorized transport insurance) Insurance for electric scooters and personal motorized transport vehicles (NVEI/EDPM) in France, covering liability and optional comprehensive risks including theft, damage, and accident.
• Assurance appartement (apartment insurance) Primary-residence apartment insurance for owners and tenants in France covering water damage, fire, natural disasters, theft, civil liability, legal defense, and 24/7 assistance delivered by partner IMA. Customers choose from four deductible levels (€75, €150, €225, or €300).
• Assurance flottes (fleet insurance for B2B) Dedicated bicycle and electric scooter fleet insurance product for rental, leasing, or corporate fleet operators, administered through a partner management dashboard that exposes statistics, summaries, claim declaration, and customer information updates.
• Assurances sur-mesure (B2B white-label and embedded insurance) Customized white-label insurance solutions for mobility professionals, including e-commerce widget/cart integration, in-store sales tools for vélocistes, and dedicated fleet platforms. Partners receive free technology tools, turnkey interfaces, and per-subscription compensation.

Quantifiable outcome

• Insured in 5 minutes
• +4 more outcomes

Named customers9 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Wakam (formerly La Parisienne Assurances)coreOthersInsurance carrier partner that bears the risk of Cylantro's insurance contracts. Wakam provides the underlying insurance capacity while Cylantro handles distribution and claims management.
• IMA (Inter Mutuelles Assistance)coreStrategic or Co-development PartnerReference partner for assistance services, providing 24/7 emergency assistance including locksmith services, relogging, home surveillance, and emergency accommodation following covered incidents.
• BetterwayminorGTM or Marketing PartnerPartner for the Forfait Mobilités Durables (sustainable mobility allowance) solution. Betterway provides Titre Mobilité payment cards that employees can use for eligible mobility expenses.
• Bike&WinminorGTM or Marketing PartnerCycling app partnership where Cylantro provides promotional codes and insurance prizes for cycling challenges, driving user acquisition through gamification.
• LakacoreStrategic or Co-development PartnerRecent merger between Cylantro and Laka combining forces to offer the best bicycle insurance. The unified entity offers no deductible, no commitment, and 5-star customer service with 24-hour claims processing.
• FUB (Fédération Française des Usagers de la Bicyclette)minorStrategic or Co-development PartnerPartnership related to approved anti-theft device recommendations. Cylantro requires FUB-approved or SRA-approved locks for theft coverage, aligning with FUB's bicycle security standards.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Laka: UK-based digital cycling insurance startup that merged/combined forces with Cylantro in 2024 to unify bicycle insurance products across the UK and France. Identical product (mutualised cycling cover), same digital-first distribution, same target customer (cycling commuters and e-bike owners).
• Bikmo: UK specialist cycling insurance broker offering theft, damage and personal accident cover to individuals, commuters and cycling businesses. Closest European peer by product/niche focus and direct sales model targeting the same cyclist and small fleet segments.
• Velosurance: US-based specialty bicycle insurance provider covering road, mountain, e-bikes and gear against theft, damage and racing incidents. Closest US analog for specialist cycling insurance with similar individual/fleet/RAC coverage mix.

Broad incumbents

• Lovys: French neo-insurer offering 100% digital, monthly cancellable multi-line insurance (home, car, etc.) through a single subscription. Comparable as French digital-first multi-line insurer with similar pricing transparency, monthly billing and self-service claims approach.
• Luko: French digital home insurer (now part of Matmut) offering instant online home/apartment subscriptions with charitable give-back model. Comparable as French insurtech with similar digital-only subscription, no-paper onboarding, and associative sharing features that overlap with Cylantro's Partage Associatif.
• Direct Assurance: AXA-owned French digital-first insurance brand selling motor, home and personal insurance direct to consumers. Comparable as a French digital insurance incumbent whose multi-product D2C platform overlaps with Cylantro's apartment and micro-mobility offerings.
• Lemonade: US-listed digital-native insurance company using AI-driven underwriting, instant claims, and a digital-first brand for renters, homeowners and pet insurance. Comparable as a publicly-listed benchmark for the insurtech playbook Cylantro is following at smaller scale.
• Alan: French digital-first health insurance company (and broader insurer) selling instant online plans directly to consumers and SMEs via a digital platform. Comparable as a French digital-native insurer with similar B2C/B2B embedded distribution ethos and lean digital operations.
• Matmut: Established French mutual insurer with auto, home, bicycle and NVEI products (acquired Luko). Comparable as a mainstream French generalist that competes with Cylantro on cycling/NVEI and apartment insurance, but distributes through traditional and digital channels.

Others

• Wakam: Paris-based insurance-as-a-service infrastructure provider (formerly La Parisienne Assurances) that carries the underwriting risk on Cylantro's policies (Cylantro's core carrier partner). Comparable as an ecosystem enabler/infrastructure counterpart rather than a competitor, providing the licensed insurance capacity behind Cylantro's broker front-end.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/roulez_cylantro
• Facebookfacebook.com/cylantro
• LinkedInlinkedin.com/company/cylantro-assurances

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 Cylantro