Qivio

What Qivio does

Qivio is a France-based digital insurance broker (Société par actions simplifiée, RCS Bordeaux 920 265 519) founded in 2021, operating as a 100% online intermediary registered with ORIAS (number 23000353) and regulated by ACPR. The company distributes personal lines insurance products across two principal verticals: mobility (motorcycles, scooters, electric scooters/NVEI, and bicycles) and property (homeowners/renters, non-occupying owner PNO, rent guarantee GLI, and borrower insurance), with underwriting capacity provided by carrier partners Generali and Wakam. Pricing is subscription-based on monthly billing, with entry-level products starting from €2.90/month (PNO) and motorcycle/scooter coverage starting from €8.90/month, and the platform claims average customer savings of approximately 20% versus traditional competitors.

The company is built on a digital-first platform that enables customers to obtain quotes, subscribe, receive instant insurance cards, and file claims entirely online or via mobile, with the subscription process reportedly completing in roughly five minutes and claims receiving a response within 24 hours. The technology stack centers on workflow digitization rather than disclosed AI/ML capability, and the company handles cancellation of the customer's prior insurance policy as a switching convenience. Customer service teams operate out of Paris and Bordeaux, supporting both consumers and the Qivio Pro B2B partner channel.

Qivio operates a hybrid go-to-market: a product-led growth direct channel via qivio.fr and an app, alongside Qivio Pro, a B2B partner platform with 300+ motorcycle and scooter dealers (including Easy-Watts, Brumaire, Pink, Segway, BMW Motorrad, and Monsieur Moto) distributing policies at point of sale through QR codes, a partner portal, or embedded integration. Dealers earn commission averaging €2,423 per month. The company reports 40,000+ active customers, a 4.8/5 Trustpilot rating, 96% customer retention post-claims, and partnership distribution through French comparison platforms (LesFurets, Reassurez-moi, Selectra) and media outlets (Le Parisien, RTL, Auto-plus). Headquarters are in Bordeaux at 9 rue de Condé, with operational presence in Paris, and leadership under CEO and co-founder Hugo Pochet.

Name

Qivio

Legal name

Qivio

Website

https://qivio.fr

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Qivio is a France-based digital insurance broker offering 100% online subscription for motorcycles, scooters, bicycles, electric scooters, home, PNO, GLI, and borrower insurance. It serves individual consumers directly and 300+ dealer partners via its Qivio Pro B2B channel.

Ownership category

akta.pro rank

Product category

Personal Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAGAGAL

Embedded Insurance & Affinity Distribution Platforms

Financial & Insurance/Financial Technology (Fintech)/Insurtech Platforms (Digital Insurance Enablement)

Keywords

• Digital insurance brokerage
• Two-wheeler insurance
• Home insurance broker
• Electric scooter coverage
• Insurance broker platform

Headquarters

HQ city

Dublin

HQ country

Ireland

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premium Revenue: Qivio generates revenue by collecting insurance premiums from customers across its multiple product lines (two-wheelers, home insurance, PNO, GLI). As an insurance broker registered with Orias (registration number 23000353), the company earns commissions from its insurance carrier partners including Generali and Wakam. Premium pricing follows a monthly subscription model with rates varying by product type and coverage level.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Qivio is a 100% digital French insurance broker (Orias-registered) that distributes consumer insurance products entirely online and through a dealer partner network. Its core offerings cover two-wheelers (motorcycles, scooters, bicycles, electric scooters/NVEI) and residential property (home insurance, non-occupying owner PNO, unpaid-rent guarantee GLI), with underwriting partnerships carrying Generali and Wakam as carriers. The platform handles quote, subscription, policy management, and claims end-to-end, with subscription completed in roughly 5 minutes and claims responses targeted within 24 hours.

Product overview

Qivio is a 100% digital insurance broker offering a portfolio of insurance products for mobility (motorcycles, scooters, bicycles, electric scooters) and home insurance (owner-occupied, non-occupant landlords, rent guarantee). The core offerings include Assurance Moto/Scooter, Assurance Vélo, and Assurance Trottinette for two-wheeled vehicles, alongside Habitation insurance for homeowners and renters, PNO for landlords, and GLI for rent guarantee. Qivio Pro is the B2B partner platform enabling dealers to offer insurance. The company emphasizes digital-first service with rapid claims processing, transparent contracts, and competitive pricing, with customer service based in Paris and Bordeaux.

Differentiator

Problem solved

Functional benefit

Brands

• Qivio Pro: B2B partner program allowing dealers and retailers to offer Qivio insurance products to their customers, with revenue-sharing and commission features.

Products and services

• Assurance Moto et Scooter Insurance coverage for motorcycles and scooters, offering flexible contracts with pricing starting from €8.90/month. Covers damages, theft, and includes 24/7 roadside assistance for individual vehicle owners in France.
• Assurance Vélo Insurance coverage for bicycles, including electric bikes, with affordable pricing and comprehensive protection against theft and damages for individual bicycle owners in France.
• Assurance Trottinette électrique (NVEI) Insurance coverage specifically for electric scooters and other new lightweight vehicles (NVEI), meeting legal insurance requirements for this category in France.
• Assurance Habitation Home insurance for owner-occupiers and tenants, covering damages from fire, water damage, natural disasters, and other common risks. Pricing starts from €3.90/month.
• Assurance Propriétaire Non-Occupant (PNO) Insurance for non-occupying property owners protecting against risks when the property is vacant or rented. Covers fire, water damage, natural disasters, and civil liability, starting from €7.90/month (marketing starting rate €2.90/month).
• Garantie Loyer Impayé (GLI) Rent guarantee insurance protecting landlords against unpaid rent, covering up to €100,000 in losses. Includes three plan tiers (Essentielle, Standard, Premium) starting from €4.90/month.
• Assurance Emprunteur Borrower insurance covering loan repayments, offering potential savings up to €20,000 over the loan term and protecting against life uncertainties for individual borrowers in France.
• Qivio Pro B2B partner platform enabling motorcycle, scooter, and bicycle dealers across France to offer Qivio insurance products to their customers, manage contracts through a dedicated dashboard, and earn commission on each sale. Includes vehicle registration assistance, subsidy requests, and claims management.

Quantifiable outcome

• Customers save approximately 20% on two-wheeler insurance compared to competitors
• +3 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• GeneralicoreTechnology or IntegrationGenerali is a major European insurance carrier that backs Qivio's two-wheeler insurance products. Qivio partners with Generali to offer comprehensive coverage options to motorcycle and scooter owners, providing competitive pricing and quality guarantees.
• WakamcoreTechnology or IntegrationWakam is an insurance carrier specializing in mobility products that partners with Qivio to provide two-wheeler insurance coverage. The partnership enables Qivio to offer specialized insurance products for motorcycles, scooters, and electric vehicles.
• LesFuretsminorChannel Partner/ Reseller/ DistributorLesFurets is a French insurance comparison platform that features Qivio products, driving customer acquisition through comparison shopping traffic.
• Reassurez-moiminorChannel Partner/ Reseller/ DistributorFrench insurance comparison platform that features Qivio insurance products, enabling customer acquisition through comparison shopping.
• SelectraminorChannel Partner/ Reseller/ DistributorEnergy and insurance comparison platform that features Qivio products, driving qualified traffic and customer acquisition.
• Le ParisienminorGTM or Marketing PartnerMajor French newspaper and media outlet that provides press coverage and brand visibility for Qivio through editorial content and partnerships.
• RTLminorGTM or Marketing PartnerLeading French radio and media group that features Qivio content, providing brand exposure and credibility through media partnerships.
• Auto-plusminorGTM or Marketing PartnerFrench automotive media brand featuring Qivio insurance offerings to its audience of vehicle enthusiasts and owners.
• Monsieur MotominorChannel Partner/ Reseller/ DistributorFrench motorcycle dealer network featured as a Qivio partner, offering insurance products to motorcycle customers.
• Qivio Pro Dealer Partners (300+)coreChannel Partner/ Reseller/ DistributorNetwork of 300+ motorcycle, scooter, and bicycle dealers across France who offer Qivio insurance products to their customers at point of sale. Partners include Easy-Watts, Brumaire, Pink, Segway, and BMW Motorrad. Partners earn commission averaging 2,423€/month.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Lovys: Lovys is a French digital insurance broker offering home, auto, motorcycle, and pet policies through a subscription app. It targets the same digital-first French consumer as Qivio with comparable product lines and a similar broker-distributed model.
• Wilov: Wilov is a French digital auto insurance broker focused on young drivers and connected telematics. While auto-focused, it competes with Qivio for the same digitally native French consumer seeking transparent, app-based insurance.
• Luko: Luko was a leading French digital home insurance insurtech acquired by Allianz in 2023. It is the most direct comparable to Qivio's home and landlord product lines, competing for the same French digital-first consumer segment with a similar 100% online subscription model.
• Acheel: Acheel is a French digital insurance broker offering home, auto, two-wheeler, and borrower insurance. Its multi-line digital offering and French regulatory registration (Orias) directly overlap with Qivio's mobility and home insurance products.
• Leocare: Leocare is a French multi-line digital insurance broker offering home, auto, two-wheeler, and pet insurance. Its product breadth, digital distribution, and French focus make it one of the closest direct competitors to Qivio across its mobility and home product portfolio.

Others

• Wakam: Wakam is a European B2B insurance carrier specializing in mobility and embedded insurance products. As Qivio's stated underwriting partner for two-wheeler products, Wakam is a key infrastructure provider rather than a competitor, but operates in adjacent distribution space.
• LesFurets: LesFurets is a major French insurance comparison platform that is both a Qivio distribution partner and an indirect competitor by aggregating offerings from multiple insurers. It represents the comparison channel through which Qivio competes for top-of-funnel demand alongside other insurers.
• Generali France: Generali France is the French arm of Generali Group, one of Qivio's primary carrier partners underwriting its two-wheeler products. While not a direct competitor in the digital-broker niche, Generali France is an incumbent that could acquire or compete with Qivio depending on channel strategy.

Broad incumbents

• Direct Assurance: Direct Assurance is a long-established French direct-to-consumer insurer (owned by Groupama) offering auto, home, and two-wheeler insurance online. It competes with Qivio across similar product lines but operates as a carrier with broader resources and brand recognition.
• Lemonade: Lemonade is a global insurtech using a digital, AI-driven, mobile-first distribution model for renters, home, pet, and auto insurance. Though US-headquartered, it represents the broad insurtech template Qivio follows, with comparable customer experience and product design principles.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xinstagram.com/qivioassurance
• Facebookfacebook.com/qivio
• LinkedInlinkedin.com/company/qivio
• Instagraminstagram.com/qivioassurance

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 Qivio