What Carrefour Assurance does

Carrefour Assurance is the personal insurance distribution brand of the Carrefour Group, a publicly listed French retail conglomerate. Operations are split between two French entities: CARMA (SA, capital €23,270,000, regulated under the French Insurance Code, headquartered in Évry-Courcouronnes) which underwrites the policies, and Lybernet (SAS, ORIAS-registered broker) which distributes them under the Carrefour Assurance commercial brand. The portfolio spans nine product categories — home (multirisque habitation), auto, school and extracurricular, pet health, mobile/nomad devices, gaming consoles, electric scooter and NVEI, family protection (accidents of daily life, funeral, purchasing power), and mortgage/borrower insurance — each typically offered in two or four formula tiers (Essentielle / Intégrale).

The revenue model is recurring subscription: monthly or annual premiums for most lines, with annual pricing on school insurance and mortgage insurance, plus commission-based revenue on mortgage distribution via partner Groupe Magnolia/ELOIS. Pricing starts at €4.50/month for scooter liability insurance and ranges up to ~€26.21/month for comprehensive auto coverage; loyalty-linked cashback of 5-7.5% is available to Club Carrefour and Carte PASS holders. Distribution is omnichannel: 100% online subscription via assurance.carrefour.fr, phone-based sales through call centers in the Pays de la Loire region, and in-person advice at 'Accueil et Services' desks inside Carrefour hypermarkets. Marketing leverages the broader Carrefour ecosystem (loyalty programs, retail foot traffic) alongside paid acquisition on Facebook, Google, Bing, TikTok, and YouTube.

The underwriting technology stack is described as a standard web platform for policy administration, claims processing, and customer management, with no disclosed AI/ML, proprietary models, or differentiated technology assets. With more than 500,000 customers (and up to 2,000,000 clients referenced in some company materials), 30 years of operating history, and a 4.3/5 verified-customer review average across 3,500 reviews, the franchise is positioned as a trusted, mainstream French personal insurance retailer rather than a technology-led insurer.

Name

Carrefour Assurance

Legal name

Carrefour Assurance (marque commerciale de Lybernet)

Website

https://assurance.carrefour.fr

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Carrefour Assurance is the personal insurance brand of France's Carrefour Group, offering home, auto, school, pet, device, family, e-scooter, and mortgage insurance products directly to individual French consumers across online, phone, in-store, and partner-broker channels.

Ownership category

akta.pro rank

Product category

Personal Insurance

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industries

Embedded Insurance Distribution & Premium Financing (FSAGALAF), Home Warranty / Residential Service Contracts (Systems & Appliances) (FSAJALAG)

Keywords

• Personal insurance products
• Home insurance
• Auto insurance
• Pet health insurance
• Mortgage insurance brokerage

Headquarters

HQ city

ÉVRY-COURCOURONNES

HQ country

France

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Home Insurance (Multirisque Habitation): Recurring annual or monthly premiums for home insurance covering fire, water damage, theft, glass breakage, natural disasters, liability, and legal protection. Offered in three formulas: Essentielle, Intégrale, and specialized plans for tenants, students, non-occupying owners, secondary residences, and childcare assistants.
2. Auto Insurance: Recurring premiums for vehicle insurance with four formula tiers: Essentielle Tiers, Intégrale Tiers, Essentielle Tous Risques, and Intégrale Tous Risques. Covers liability, driver protection, theft, fire, glass breakage, accidents, and legal protection.
3. School Insurance: Annual subscription for school and extracurricular insurance covering children at school and during activities. Also covers students up to age 26.
4. Pet Health Insurance (Chien Chat): Recurring premiums for dog and cat health insurance, covering veterinary expenses.
5. Mobile/Device Insurance: Monthly or annual premiums covering smartphones, tablets, cameras, laptops, gaming consoles, and multiple devices against breakage, theft, and oxidation.
6. Mortgage Insurance (Assurance Emprunteur): Commission-based revenue from partnership with Groupe Magnolia for mortgage insurance comparison and switching services. Customers can save up to 15,000 euros by changing insurance.
7. Family Protection Insurance: Coverage for accidents of daily life, funeral expenses, and income protection.
8. Scooter/NVEI Insurance: Monthly subscription for electric scooter and personal mobility device insurance as required by law.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Carrefour Assurance distributes a multi-product personal insurance portfolio to French consumers, including home (habitation), auto, school/extracurricular, portable device, gaming console, electric scooter/NVEI, family protection, purchasing power, pet health, and mortgage insurance. Products are sold primarily through recurring monthly or annual premiums and are offered in tiered formulas (e.g., Essentielle, Intégrale) tailored to tenants, owners, students, secondary-residence owners, and other consumer segments. Distribution combines 100% online subscription, telephone sales, in-store advice at Carrefour hypermarkets, and a broker partnership for mortgage insurance.

Product overview

Carrefour Assurance is a multi-product insurance provider offering a comprehensive portfolio of insurance products organized across home, vehicle, family, pet, and financial protection categories. The core products include Assurance Habitation (home insurance with Essentielle and Intégrale formulas for tenants, owners, students, and secondary residences), Assurance Auto (vehicle insurance with Tiers and Tous Risques options), Assurance Scolaire (school insurance for children and students up to 26), and Assurance Santé Chien Chat (pet health insurance). Additional offerings encompass Assurance des Appareils Nomades (portable device insurance), Assurance Console de Jeux (gaming console coverage), Assurance Protection Famille (family accident protection), Garantie Pouvoir d'Achat (purchasing power/unemployment protection), and Assurance Prêt Immobilier (mortgage insurance via Magnolia partnership). The products are distributed through the Carrefour ecosystem, integrating with Club Carrefour loyalty program (cagnotte rewards) and Carrefour Banque services, targeting budget-conscious French consumers through both digital and in-store (Carrefour hypermarkets) channels.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Insurance (Assurance Habitation) Multi-risk home insurance protecting dwellings and belongings against fire, water damage, theft, glass breakage, natural disasters, civil liability, and legal protection for tenants, owners, students, and secondary residence owners.
• Auto Insurance (Assurance Auto) Vehicle insurance covering civil liability, driver protection, theft, fire, glass breakage, accidents, legal protection, and access to a network of 4,200 approved garages across France.
• Electric Scooter and NVEI Insurance Mandatory liability insurance for electric scooters and personal electric mobility devices, covering legal requirements for urban mobility.
• School and Extracurricular Insurance (Assurance Scolaire et Extra-scolaire) Insurance covering children at school and during extracurricular activities, including liability for damages caused by children; also covers students up to age 26.
• Portable Device Insurance (Assurance des Appareils Nomades) Portable device insurance covering smartphones, tablets, cameras, laptops, and multiple devices against breakage, theft, and oxidation damage.
• Gaming Console Insurance (Assurance Console de Jeux) Insurance coverage for gaming consoles protecting against breakage and theft.
• Pet Health Insurance (Assurance Santé Chien Chat) Pet health insurance for dogs and cats offering veterinary expense reimbursement, accident and routine care coverage, with loyalty cashback discounts.
• Family Protection Insurance (Assurance Protection Famille) Family protection insurance covering accidents of daily life, funeral expenses, and income protection, with three adaptable formulas.
• Purchasing Power Protection (Garantie Pouvoir d'Achat) Purchasing power protection insurance including unemployment coverage to maintain household living standards during financial difficulties.
• Mortgage Insurance (Assurance Prêt Immobilier) Mortgage borrower insurance enabling borrowers to change providers under the Lemoine Law, with comparison and switching support via Groupe Magnolia and potential savings up to €15,000.

Quantifiable outcome

• Customers can save up to 15,000 euros by switching mortgage insurance
• +1 more outcomes

Named customers7 records

Segments9 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• CARMAcoreOthersCARMA, empresa régie par le Code des assurances, es el asegurador que cubre todos los contratos de Carrefour Assurance. Es una SA con capital de 23.270.000€, radicada en ZAE Saint Guénault, 1 rue Jean Mermoz, 91000 ÉVRY-COURCOURONNES (RCS Évry 330 598 616).
• Groupe MagnoliacoreChannel Partner/ Reseller/ DistributorAssociation with Magnolia Group for mortgage insurance comparison and switching services. Magnolia compares multiple market offers to find the best rate for customers, with savings up to 15,000 euros possible. ELOIS, part of Magnolia Group, handles brokerage under ORIAS registration.
• e-EnfanceminorOthersCarrefour Assurance supports e-Enfance through philanthropy/mécénat. This association recognized as public utility provides the national number 3018 for young victims and witnesses of digital harassment and violence, as well as their parents and professionals.
• 4,200 Approved Garages NetworkcoreOthersNetwork of 4,200 approved garages across France for vehicle repairs under auto insurance coverage, providing customers with convenient access to repair services.
• Carrefour Loyalty EcosystemcoreGTM or Marketing PartnerIntegration with Carrefour loyalty programs including Club Carrefour (cagnotte/rewards system) and Carte PASS (credit card). Offers 5-7.5% cashback on first annual contributions for loyalty card holders.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Matmut: French mutual insurer with overlapping personal-lines products (home, auto, health, school, family protection) sold through direct-to-consumer channels. Comparable product breadth and French-only focus.
• GMF: Groupama-affiliated mutual insurer offering home, auto, and family protection to French consumers through direct and partner channels. Similar mid-market positioning and product mix to Carrefour Assurance.
• Crédit Agricole Assurances: French bancassurer distributing personal lines (home, auto, health, life, mortgage) through Crédit Agricole's retail banking network. Closely mirrors Carrefour Assurance's retail-distribution model and broad retail-lines portfolio.
• Banque Populaire Assurances: Insurance arm of BPCE group distributing home, auto, and personal protection products through Banque Populaire's retail network — directly comparable bancassurance embedded-distribution model.
• Société Générale Assurances: Bancassurance arm of Société Générale offering home, auto, and personal insurance distributed through the bank's retail branch network — directly comparable embedded-insurance model with multi-channel reach.

Emerging players

• Luko: French insurtech focused on home insurance with a digital-first, mission-driven positioning. Represents the digital-native threat to Carrefour Assurance's traditional retail-distribution home insurance model.
• Leocare: French digital insurer offering home, auto, and device insurance through a mobile app. Competes on UX and price with Carrefour Assurance's multi-line portfolio.
• Acheel: French digital broker aggregating home, auto, and health insurance quotes from multiple carriers. Competes indirectly on price transparency in the same personal-lines categories.

Broad incumbents

• Allianz France: Major multi-line insurer in France with personal and commercial lines, distributed via agents and direct channels. Competes with Carrefour Assurance across home and auto categories as an established incumbent.
• AXA France: Largest general insurer in France offering the same personal-lines products (home, auto, health, life) plus commercial P&C and asset management. Overlaps as a broad incumbent competing across all of Carrefour Assurance's lines.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/carrefour-assurance

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 Carrefour Assurance