Amaguiz

What Amaguiz does

Amaguiz is a French insurance distribution trademark founded in 2008 and headquartered in Orvault, France, dedicated exclusively to selling insurance products via the Internet and telephone. Operating within the broader Groupama mutualist ecosystem (legal entity Groupama Assurances Mutuelles), Amaguiz functions as a digital-first distribution channel for a comprehensive insurance portfolio spanning auto, home, health (mutuelle santé with optical, dental, hospitalization sub-products), personal accident (Garantie des Accidents de la Vie), legal protection, pet insurance, school insurance, funeral insurance, and landlord (PNO) coverage. The product surface also extends into personal loans (Crédit Désirio, underwritten by Franfinance) and savings/retirement products.

The underlying technology stack is a standard insurance platform: an online client portal (Espace Client) for contract management, attestation downloads, premium payment, and advisor scheduling; the 'Groupama et moi' mobile app on iOS and Android for real-time service and claims declaration; and online quote/subscription tools supporting auto, home, health, and other lines. Claims assistance is offered 24/7 via digital channels and phone. The broader Groupama distribution layer — 2,300 local agencies with at least one within 15 minutes of any French location, staffed by 4,800 advisors and governed by 24,000 elected policyholder volunteers — provides the physical complement to Amaguiz's digital channel.

Amaguiz generates revenue through recurring annual insurance premiums (minimum €100-€200 depending on line) plus transaction-fee income on personal loan origination via Franfinance. Pricing is structured around subscription contracts with promotional acquisition offers valid through 2026 (€50 on auto/home, €100 on health, €170 installation waiver on telesurveillance, one month free on pet insurance). Customer segments are diversified across particuliers (primary), professionals, farmers, local governments, and associations — a structurally long-tail, low-concentration book with a 4.7/5 satisfaction score across 23,915 verified reviews.

Name

Amaguiz

Legal name

Groupama Assurances Mutuelles

Website

https://amaguiz.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

51–100 employees

Short description

Amaguiz is a French digital and telephone insurance distribution trademark, founded in 2008 and based in Orvault, selling auto, home, health, and provident insurance online as part of the Groupama mutualist network.

Ownership category

akta.pro rank

Product category

Online Insurance Distribution

NAICS

Insurance Agencies and Brokerages (524210), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Embedded Insurance Distribution & Premium Financing (FSAGALAF)

akta.pro secondary industry

Personal Auto Insurance (FSAJAMAA)

Keywords

• Online insurance distribution
• Direct-to-consumer insurance
• Personal insurance products
• Telephone insurance sales
• Digital insurance channel

Headquarters

HQ city

Orvault

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Property & Casualty Insurance: Auto, home, school, legal protection, and mobility insurance products generating recurring annual premiums from individual and professional policyholders
2. Health Insurance: Supplementary health insurance (mutuelle santé) covering optical, dental, and hospitalization with recurring premium payments
3. Providence/Personal Risk Insurance: Life accident insurance (Garantie des Accidents de la Vie) and prévoyance products for personal risk coverage
4. Banking Products: Personal loans (Crédit Désirio) for auto, home improvements, and projects; distributed through regional mutual insurance banks in partnership with Franfinance
5. Savings & Retirement: Life insurance (Assurance Vie), savings, and retirement planning products for long-term investment and retirement needs
6. Pet Insurance: Dog and cat insurance (Groupama assurance chien-chat) as an ancillary product line

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Amaguiz is a trademark dedicated exclusively to the distribution of insurance products via the Internet or telephone. As the digital and remote-distribution arm of Groupama, it sells personal insurance lines including auto, home, health, personal accident, motorcycle, electric scooter, bicycle, pet, legal protection, funeral, and school insurance, along with personal loans and savings/retirement solutions. Customers can quote, subscribe, manage contracts, and declare claims online or by phone with 24/7 assistance.

Product overview

Groupama is a French mutual insurance company offering a comprehensive portfolio of insurance and financial products for individuals, professionals, farmers, and organizations. The core offering includes vehicle insurance (auto, moto, bicycle, electric scooter), home insurance (habitation, landlord coverage), health insurance (mutuelle santé with optical, dental, hospitalization sub-products), personal accident coverage (GAV), legal protection, pet insurance, and funeral insurance. Financial services include personal loans (Crédit Désirio, credit auto) and savings/retirement solutions. The company operates through a digital platform (Espace Client) and mobile application (Groupama et Moi) providing 24/7 access to account management, claims filing, and policy services. The product architecture follows a multi-brand/module approach with core insurance products supplemented by add-on modules like legal protection and home surveillance (Groupama Box Habitat).

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance Auto Vehicle insurance covering cars with options for low-mileage drivers and electric vehicles, distributed via internet or phone, with €50 discount on new contracts.
• Assurance Habitation Home insurance covering property damage, liability, and contents, distributed via internet or phone, with €50 discount on new contracts.
• Mutuelle Santé Supplementary health insurance providing reimbursement for medical expenses, optical care, dental care, and hospitalization, distributed via internet or phone, with €100 discount on new contracts.
• Garantie des Accidents de la Vie (GAV) Personal accident insurance covering accidents in daily life, distributed via internet or phone, with €50 discount on new contracts.
• Assurance Moto Motorcycle insurance coverage for riders, distributed via internet or phone.
• Assurance Trottinette Électrique Electric scooter insurance coverage, distributed via internet or phone.
• Assurance Vélo Bicycle insurance covering the rider, passenger, and personal effects, distributed via internet or phone.
• Assurance Camping-Car Temporary insurance coverage for rented or owned camping vehicles, distributed via internet or phone.
• Protection Juridique Legal protection insurance providing legal assistance and defense coverage, distributed via internet or phone.
• Assurance Scolaire School insurance covering children during school activities, distributed via internet or phone.
• Assurance Chien-Chat Pet insurance for dogs and cats, distributed via internet or phone, with one month free on first-year subscription.
• Groupama Box Habitat Home surveillance system pack with €170 installation fee waiver, distributed via internet or phone.
• Crédit Désirio (Prêt Personnel) Personal loan product for financing vehicles, home improvements, travel, or education projects, distributed via internet or phone and underwritten by Franfinance.
• Crédit Auto Auto financing loan for vehicle purchases, distributed via internet or phone.
• Épargne & Retraite Savings and retirement planning solutions including life insurance, savings, and retirement products, distributed via internet or phone.
• Assurance Obsèques Funeral insurance with online simulator for planning and coverage, distributed via internet or phone.
• Assurance Emprunteur Loan protection insurance covering outstanding mortgage or loan balances, distributed via internet or phone.
• Assurance Propriétaire Non Occupant (PNO) Landlord insurance for non-occupied property owners, distributed via internet or phone.

Quantifiable outcome

• 4.7/5 customer satisfaction score based on 23,915 verified reviews

Named customers5 records

Segments5 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Luko: French digital-native insurer offering direct-to-consumer home and auto insurance via online and mobile channels; now part of Allianz. Directly comparable as a digital-first French personal lines insurer competing for the same online/phone buyer that Amaguiz targets.
• Alan: French digital health insurer providing supplementary health coverage through an online and app-based experience. Directly comparable to Amaguiz's Mutuelle Santé digital distribution flow, focused on simplifying health insurance purchase and reimbursement.
• Direct Assurance (AXA): AXA-owned direct-to-consumer auto and home insurance brand in France, distributed online and by phone. Closely aligned with Amaguiz's stated mission of distributing insurance exclusively via internet and phone, targeting the same digital acquisition segment.
• Leocare: Mobile-first French insurance distributor offering auto, home, and health coverage via a single app with digital subscription. Direct competitor to Amaguiz's mobile app-based distribution model for personal insurance products.

Broad incumbents

• AXA France: Largest French property-casualty insurer offering auto, home, health, and life products through agents, brokers, and digital channels. Comparable as a broad incumbent in the same personal lines with overlapping product breadth, distribution, and customer base.
• MAIF: Major French mutual insurer offering auto, home, and personal insurance to individuals, with strong mutualist governance similar to Groupama. Comparable as a mutual peer competing for the same French personal lines customer with a parallel physical and digital distribution model.
• Crédit Agricole Assurances: Insurance arm of Crédit Agricole, distributing auto, home, and health coverage to millions of French banking customers via bancassurance. Comparable as a major French multi-line distributor that competes for the same personal insurance buyer through a different (banking-led) channel.
• Allianz France: Major French insurer (now owner of Luko) offering personal and commercial insurance with growing digital capabilities. Comparable as a broad incumbent competitor with both physical and digital distribution across the same product lines.
• Matmut: French mutual insurer offering auto, home, and health insurance to individuals through regional agencies and digital channels. Comparable as another French mutual peer serving similar personal lines with overlapping geographic coverage.

Emerging players

• Solly Azar: French insurance broker and product designer distributing personal lines (auto, home, health) through partner channels and digital tools. Comparable as a French insurance intermediary operating in adjacent distribution space to Amaguiz's digital channel model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/groupama
• YouTubeyoutube.com/channel/UCcVU-JnuCbANGOl4vGcGpEg
• Facebookfacebook.com/amaguizcom
• Instagraminstagram.com/groupama
• LinkedInlinkedin.com/company/amaguiz-com

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 Amaguiz