What ASSUREO does

Assuréo is a France-based online insurance broker (courtier d'assurances) and wholly-owned subsidiary of Groupe VILAVI, founded in 2004 and headquartered at Noisy-le-Sec, with customer service and claims operations concentrated in Boulogne-sur-Mer. The company distributes a broad portfolio of personal insurance products directly to French consumers through a digital-first channel, supported by 130+ employees — 85% of whom are women, per the scale commentary — and serves individual policyholders including standard and young drivers, license-free vehicle owners, two-wheeler riders, homeowners, tenants, students, and users of urban micro-mobility devices.

The product portfolio spans roughly 20 lines organized around four pillars: auto insurance (with sub-variants including young driver, license-free VSP, premium, professional, and campervan); two-wheelers (motorcycle, scooter, moped, quad, green enduro, speedbike); urban mobility (electric scooters, speedbikes, bicycles); and home insurance (primary, secondary, student, non-occupying owner), supplemented by life accident (GAV), school, hospitalization indemnity, and — since the 2024 partnership with A comme Assure — health insurance (mutuelle). The technology backbone consists of an online quote engine that issues a Devis en Ligne in under one minute, the Proximeo customer self-service portal, and a partnership network of 3,600 approved garages that enables zero-advance-payment claims handling for auto policyholders.

Assuréo earns revenue as a broker intermediating between French consumers and partner insurers, including parent Groupe VILAVI and A comme Assure for health. Pricing is individualized by driver profile, vehicle, coverage tier, and bonus-malus history, with no public pricing disclosed. Distribution is omnichannel: direct online self-service for quoting, inside-sales callback for advisory, and phone support seven days a week from 8h30 to 19h30. Customer retention is driven by a 10% multi-contract loyalty discount and a referral program paying up to €150 per successful referral.

Name

ASSUREO

Legal name

Assuréo

Website

https://assureo.fr

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Short description

Assuréo is a French online insurance broker and subsidiary of Groupe VILAVI that distributes personal auto, two-wheeler, home, health, and urban mobility insurance directly to French consumers via a digital platform with claims handling and advisory services.

Ownership category

akta.pro rank

Product category

Online Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

akta.pro secondary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Online insurance broker
• Auto insurance
• Motorcycle insurance
• Home insurance
• Urban mobility insurance

Headquarters

HQ city

Boulogne-sur-Mer

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Supply Chain

Revenue model

1. Insurance Brokerage Commissions: Assuréo operates as an insurance broker (courtier d'assurances) for the VILAVI Group, earning commissions on insurance policies sold. The company commercializes insurance products from partner insurers.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels2 records

Core offering

Assuréo is an online insurance broker (courtier d'assurances en ligne) commercializing auto, motorcycle, two-wheeler, home, urban mobility (electric scooters, speedbikes, bicycles), and health insurance products to French consumers. The company distributes partner insurers' contracts through its website with online quotes, a customer self-service portal, and phone-based advisory support available seven days a week.

Product overview

Assuréo is an online insurance broker and subsidiary of Groupe VILAVI, founded in 2004, operating as a platform offering a broad portfolio of insurance products across multiple lines: auto (standard, license-free, premium, professional, campervan, young drivers), two-wheelers (motorcycle, scooter, moped, green enduro, quad), urban mobility (electric scooters, speedbikes, bicycles), home (primary residence, secondary residence, student housing, non-occupying owners), health (mutual health via A comme Assure partnership, life accidents), and specialty lines. The platform provides an online quote engine, a customer self-service portal, a multi-contract loyalty program (10% discount), and a referral incentive scheme. The company holds Label d'Excellence awards for its electric scooter and motorcycle products. Products are primarily distributed online with customer service available 7 days a week from Boulogne-sur-Mer.

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance Auto Comprehensive car insurance offering three coverage tiers (Tiers, Tiers Confort, Tous Risques) with options for multi-driver policies, breakdown assistance, and electric vehicle coverage. For French individual drivers.
• Assurance Auto Haut de Gamme Premium auto insurance with enhanced driver protection up to €1,000,000, progressive deductible reductions up to 75%, and new-value compensation options. For owners of high-end vehicles.
• Assurance Auto Professionnelle Multi-driver professional vehicle insurance covering up to 4 conductors with guarantees for materials, tools, professional equipment, and replacement vehicle of same category. For tradespeople and professionals using a work vehicle.
• Assurance Voiture Sans Permis (VSP) Insurance coverage for license-free quadricycle vehicles (maximum 45 km/h), available from age 14 with three coverage tiers. For VSP owners and young users from 14+.
• Assurance Camping Car Specialized campervan insurance with glass coverage for panoramic roofs, private contents protection up to €10,000, and optional vehicle replacement for up to 30 days. For campervan owners.
• Assurance Jeune Conducteur New driver insurance with SOS Taxi service (3x/year for insured under 26 or over 75), geolocated breakdown assistance, and real-time tracker updates for repair services. For young or novice drivers.
• Assurance Moto Motorcycle insurance with four coverage tiers, accessory and equipment protection up to €6,000, helmet coverage up to €250, and replacement vehicle for up to 30 days. Awarded Label Excellence 2025. For motorcycle owners.
• Assurance Scooter 80cc et plus Scooter insurance for vehicles over 80cc with pricing based on most favorable Auto/Moto Bonus-Malus coefficient, helmet and airbag protection included. For scooter owners.
• Assurance Scooter 50cc & Cyclo Moped and 50cc scooter insurance for drivers from age 14, with helmet coverage up to €250 and two levels of driver personal protection. For moped and 50cc scooter owners from age 14.
• Assurance Moto Verte Specialized insurance for enduro and trial motorcycles (125cc to 1200cc) with two coverage tiers and accessory/equipment protection up to €3,000. Awarded Label Excellence 2024. For off-road motorcycle owners.
• Assurance Quad Quad and SSV insurance covering all types (road, leisure) with new-value coverage within 6 months and personal driver protection up to €30,000 death / €100,000 disability. For quad and SSV owners.
• Assurance Speedbike High-speed e-bike insurance (up to 45 km/h) with two coverage tiers, personal driver protection, and liability coverage as legally required for motorized vehicles. For owners of high-speed e-bikes.
• Assurance Trottinettes Électriques Electric scooter (EDPM) insurance with three tiers including all-risk coverage for vehicles under 2 years, personal driver protection up to €250,000, and €80 mobility allowance. Awarded Label d'Excellence 2024 for 5th consecutive year. For electric scooter owners.
• Assurance Vélos Bicycle insurance covering mechanical, electric, cargo, and folding bikes with theft and accidental damage coverage, liability options, and €500 bodily injury allowance. For bicycle owners.
• AssuréHome (Assurance Habitation) Multi-risk home insurance with three tiers (AssuréHome Jeunes, Essentiel, Confort) covering fire, water damage, climate events, and optional packages for serenity, equipment, garden, and pool. For tenants, owners, landlords, and students.
• AssuréHome Résidence Secondaire Secondary residence insurance with loss-of-rent guarantee and serenity pack including theft and vandalism coverage. For owners of secondary homes.
• AssuréHome Jeunes (Étudiant) Student housing insurance with included pack covering study capital, new-value computer reimbursement, and professional equipment protection for apprentices. For students renting accommodation.
• AssuréHome PNO (Propriétaire Non Occupant) Non-occupying property owner insurance covering liability, loss of rental income for up to one year, and protection for furnished rental contents. For non-occupying property owners.
• Mutuelle Santé (via A comme Assure) Health insurance offered in partnership with A comme Assure, providing modular coverage for consultations, hospitalization, dental, optical, and preventive care with 100% online subscription and advisors based in Brest. For French individuals and families seeking supplemental health coverage.
• Garantie des Accidents de la Vie (GAV) Daily life accident insurance covering bodily injury consequences with capital payment for permanent disability or death, including coverage for grandchildren, children's worldwide stays, dangerous sports, and traffic accidents as passenger/cyclist/pedestrian. For individuals and families seeking accident protection.

Named customers1 record

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Three partnerships are on record, tiered minor and flagship.

• En Voiture SimoneminorGTM or Marketing Partner · 8 July 2026Partnership offering driving license discounts to Assuréo customers. En Voiture Simone provides reduced-price driving lessons and license preparation services.
• UlysminorGTM or Marketing Partner · 29 June 2026Partnership providing 14 months of free toll subscription (télépéage) to Assuréo auto insurance customers.
• A comme AssureflagshipStrategic or Co-development PartnerHealth insurance partnership where A comme Assure provides supplemental health insurance (mutuelle santé) products through Assuréo's platform. Advisors based in Brest provide personalized follow-up.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Matmut: French mutual insurance group offering auto, home, and health insurance directly to consumers. Overlaps with Assuréo on core P&C lines but competes as a direct carrier with owned underwriting rather than through brokering.
• Meilleurtaux: Established French insurance and credit comparator with broader financial services scope. Comparable digital-broker/aggregator model but with a wider portfolio including credit, savings, and banking products beyond Assuréo's insurance focus.
• Direct Assurance: AXA's direct-to-consumer insurance arm offering auto, home, and health insurance in France. Competes with Assuréo for the same French consumers but as a direct carrier rather than broker — owns the underwriting risk and full premium economics.
• April: Major French insurance broker (now part of CLIBA Group) operating across personal and commercial lines. Comparably positioned in the French insurance intermediation market but with a much broader commercial and international footprint than Assuréo's consumer focus.

Emerging players

• Luko: French insurtech initially focused on home insurance with embedded smart-device-based risk prevention. Comparable digital-first insurance distribution model targeting French consumers, though narrower product line than Assuréo's broad portfolio.

Direct peers

• LesFurets.com: Major French insurance and credit comparator owned by Agiradom (mutual insurance group). Operates as a digital broker/aggregator across auto, home, and health — competing head-to-head with Assuréo for the same price-sensitive French consumers.
• Hyperassur: French insurance comparator specialized in auto, moto, and home insurance quote comparison. Closely comparable in business model (broker/aggregator) and customer base to Assuréo, competing in the same niche of non-standard driver profiles.
• Assurland: Long-established French insurance comparator (owned by LeLynx group) specializing in auto, home, and health quote comparison. Closely comparable digital broker/aggregator competing for the same French online insurance shopper.
• LeLynx.fr: Leading French insurance price-comparison platform offering auto, moto, and home quotes from multiple carriers. Direct competitor to Assuréo in the digital insurance intermediary space, targeting the same French consumer segments with online quote generation.
• A comme Assure: French online mutuelle santé broker partnered with Assuréo for health distribution. Directly comparable in the online brokerage model and French consumer targeting, with specialty overlap in the health segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/assureo

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 ASSUREO