What Prest'Assur MMA does

Prest'Assur MMA is a local French general insurance agency operating within the MMA mutual insurance network. Founded in 2014 and headquartered in the Sarthe region (Connerré, Pays de la Loire), the agency runs a multi-location cluster covering Trappes, Les Clayes-sous-Bois, Connerre, Yvré-l'Évêque, and Montfort-le-Gesnois under RCS Le Mans 808044747. Its core function is the local distribution and servicing of MMA's insurance products for individuals and professionals, with a team of agents généraux, client managers, claims handlers, and back-office staff.

The agency sells the full MMA product catalog: personal lines (auto in Tiers/Médiane/Tous Risques formulas, habitation, mutuelle santé, assurance vie, PER, scolaire, GAV, protection juridique, assurance emprunteur) and commercial lines (RC Pro, multirisque professionnelle, local professionnel, flotte, prévoyance collective, garantie décennale, cyber-risques). Underlying technology consists of MMA's traditional online quote tools, the MMA mobile application on iOS and Android, and a customer portal (Espace Client), with policy administration and claims processing handled through MMA group systems under Covéa.

The business model is commission-based agency distribution layered onto a subscription/recurring premium model. Prest'Assur MMA monetizes via commissions on individually underwritten policies priced by MMA at the group level; pricing is personalized to risk profile rather than publicly disclosed, and promotional incentives (e.g., "2 mois offerts" on auto, habitation, and santé quotes) are used to drive quote-to-bind conversion. Customers span particuliers (families, retirees, students, workers) and professionnels/entreprises (artisans, merchants, farmers, associations, larger enterprises), served through a hybrid of in-person advisory at the local agency and self-serve digital tools — no AI-native underwriting, automated claims, or proprietary ML platform is evidenced in the inputs.

Name

Prest'Assur MMA

Legal name

MMA IARD

Website

https://agence.mma.fr

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Connerré, Pays de la Loire

HQ country

France

HQ region

Europe

Offices11 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: MMA generates revenue through insurance premiums paid by individual and professional customers. The company offers multiple insurance product lines including auto, habitation (home), santé (health/mutual), épargne (savings/life), prévoyance (provident/accident), and professional insurance products. Premiums are collected on a recurring basis according to the chosen coverage and payment frequency (monthly or annual).

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Prest'Assur MMA is a local general insurance agency operating within the MMA network, one of approximately 2,000 agency locations across France. It distributes and services a comprehensive portfolio of personal and commercial insurance products — including auto, habitation, santé (mutual health), life/savings, prévoyance, scolaire, GAV, and professional lines (RC Pro, multirisque, local professionnel, flotte, prévoyance collective, décennale) — underwritten by the MMA mutual insurance group (part of Covéa). The agency combines in-person advisory services with online quote tools and a mobile application for policy management and claims.

Product overview

MMA is a French mutual insurance company (Compagnie d'Assurances Mutuelles) offering a comprehensive portfolio of personal and commercial insurance products through a network of approximately 2,000 agency locations across France. The product portfolio centers on core personal lines (auto, habitation, santé/health, vie/life, scolaire, GAV) and commercial lines (RC Pro, multirisque professionnelle, local professionnel, flotte, prévoyance collective), supplemented by optional add-ons such as pay-per-mile auto coverage and cyber-risk protection. Products are distributed via a geolocated agency finder, online quote tools, and a mobile application available on iOS and Android.

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance Auto

Quantifiable outcome

• Customer satisfaction rating of 7.9/10 based on BVA study with 2,000 interviews
• +1 more outcomes

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered minor.

• Covéa FinanceminorOthersCovéa Finance is a portfolio management company (Société de gestion de portefeuille) authorized by the Autorité des Marchés Financiers under number 97007. It is part of the Covéa group alongside MMA and manages financial investments for the group.
• Covéa Protection JuridiqueminorOthersPart of the Covéa group, Covéa Protection Juridique specializes in legal protection insurance. RCS Le Mans 442 935 227, with headquarters at 160 rue Henri Champion, 72045 Le Mans CEDEX 2.
• Covéa Solutions PréventionminorOthersCovéa Solutions Prévention is a company within the Covéa group focused on prevention services. RCS Le Mans 402 576 177, headquartered at 160 rue Henri Champion, 72035 Le Mans CEDEX 1.
• SantéclairminorOthersSantéclair is a health services company (Société anonyme au capital de €3,834,029) providing health network services to MMA customers. RCS Nantes 428 704 977, headquartered at 7 Mail Pablo Picasso, 44 046 Nantes CEDEX 1.
• APGISminorOthersAPGIS is an authorized provident institution (Institution de Prévoyance agréée) regulated by the Ministry of Social Security. SIREN n°304-217-904, headquartered at 12 rue Massue, 94684 Vincennes Cedex. Part of the MMA/Covéa group structure.
• SMI (Société Mutuelle d'Insurance)minorOthersSMI is a mutual insurance company governed by Book II of the Mutual Code, registered under SIREN 784 669 954, authorized for branches... headquartered at 2 rue de Laborde, 75374 Paris CEDEX 08. Part of the MMA group structure.
• ADA (Auto-Distribution Agreement)minorChannel Partner/ Reseller/ DistributorADA is listed as an MMA partner. Société anonyme with capital of €4,442,402.16, headquartered at 22-28 rue Henri Barbusse, 92585 Clichy, RCS Nanterre 338 657 141.
• BNP ParibasminorGTM or Marketing PartnerBNP Paribas is a major French banking group (Société anonyme à conseil d'administration, capital €1,792,824,220, headquartered at 16 boulevard des Italiens, 75009 Paris) listed as an MMA partner for potential co-distribution or referral arrangements.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Matmut: Matmut is a French mutual insurer with a strong regional agency network distributing personal and professional insurance products. Its mutual structure and agency-led distribution in regional French markets make it highly comparable to MMA local agencies such as Prest'Assur MMA.
• GMF: GMF (Groupement des Mutuelles de France) is a French mutual insurer specializing in personal insurance for civil servants and the broader public, distributed through regional agencies. Its mutual ownership and agency model parallel MMA's structure and make it a directly comparable competitor for Prest'Assur MMA's local customer base.
• MACIF: MACIF is a major French mutual insurer (Société d'Assurance Mutuelle) offering auto, home, health, and prévoyance through regional agencies and digital channels. Its mutual structure, multi-line personal insurance focus, and physical agency distribution directly mirror the MMA model Prest'Assur MMA operates within.
• Groupama: Groupama is a French mutual insurance group operating a regional mutual bank/agent network (Caisses Régionales) distributing auto, home, health, life, and professional insurance. As a like-for-like French mutual insurer with a local agency model, it is one of the closest comparable peers to MMA and to local agencies like Prest'Assur MMA.

Broad incumbents

• AXA France: AXA France is the largest P&C and life insurer in France with a multi-channel distribution network spanning physical agencies, brokers, and bancassurance. It is directly comparable to MMA in offering a comprehensive personal and commercial insurance product suite distributed through a nationwide agent network, competing head-to-head with Prest'Assur MMA for the same local customers.
• Allianz France: Allianz France is a large multi-line insurer distributing personal and commercial coverage through General Agents, brokers, and direct channels. Its agent-based distribution of auto, habitation, santé, and professional lines overlaps directly with MMA's offering, making it a broad incumbent competitor.
• Covéa: Covéa is the mutual insurance group that owns MMA (MMA IARD, MMA Vie, SMI) and operates other affiliated brands. It is the direct parent entity and strategic decision-maker for MMA, defining product, distribution, and commission policy that governs Prest'Assur MMA's operations.

Others

• Crédit Agricole Assurances: Crédit Agricole Assurances distributes personal and life insurance products primarily through the Crédit Agricole regional bank network in France. As a bancassurer with strong local presence in regional France, it competes with MMA agencies for the same household customers via a different distribution channel.
• BNP Paribas Cardif: BNP Paribas Cardif is the insurance arm of BNP Paribas, offering life, protection, and savings products distributed through BNP Paribas retail bank branches. It is a channel-comparable competitor for savings, life, and emprunteur products that MMA agents like Prest'Assur MMA also distribute.

Emerging players

• Direct Assurance: Direct Assurance is AXA's direct-to-consumer digital insurance brand offering auto, home, and health insurance online. It represents the emerging digital distribution model that competes with traditional agent-led insurers like MMA and could compress the local agency value proposition over time.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/prest-assur

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries5 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 Prest'Assur MMA