VYV Conseil
VYV Conseil is a Paris-based digital insurance broker distributing home, pet health, and legal protection policies to individual consumers in France on behalf of Groupe VYV, leveraging online self-service portals, municipal city partnerships, and social landlord referral channels.
- Company typePrivate
- Founded1991
- HeadquartersParis, France
- Headcount11–50
- GTM typeB2C
- OfferingServices
What VYV Conseil does
VYV Conseil is a Paris-based digital-first insurance broker founded in 1991, specializing in home (multirisque habitation), pet health (santé animale), and legal protection (protection juridique) insurance for individual consumers in France. It operates as a wholly-owned subsidiary of Groupe VYV — the leading mutualist health and social protection group in France — with capital of €3,196,560 and ORIAS registration 07 022 821, distributing products such as animal health policies underwritten by Altima Assurances on a brokerage basis.
The company's technology stack centers on dedicated online quote-and-subscription portals (assurance-habitation.vyv-conseil.fr, assurance-sante-animale.vyv-conseil.fr, assurance-protection-juridique.vyv-conseil.fr) backed by Google Analytics 4, Google Ads, Meta Pixel, and Axeptio consent tooling. Quotes are obtainable in under three minutes across all product lines, and France-based phone advisors provide human customer service — a deliberate differentiator against automated competitors. Content marketing via an editorial blog and SEO-optimized articles drives top-of-funnel acquisition, while paid search and paid social support mid-funnel conversion.
VYV Conseil's business model is subscription-based recurring revenue from monthly or annual insurance premiums, with pricing starting at €3.68/month for home insurance, €6.60/month for pet health, and €7.50/month for legal protection. Distribution combines direct-to-consumer digital self-service with a distinctive channel-partnership model: the company has negotiated exclusive city-level housing insurance agreements with Paris, Tourcoing, Marseille, Créteil, and Grenoble Alpes Métropole, plus a network of social landlord partners that refer tenants. Primary customer segments are renters, students, homeowners, and pet owners, with the mutualist positioning — no shareholder dividends, fair pricing, and plain-language contracts — functioning as the core value proposition.
VYV Conseil firmographics
Firmographics- Name
- VYV Conseil
- Legal name
- VYV Conseil
- Website
- https://vyv-conseil.fr
- Company type
- Private
- Founded year
- 1991
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- VYV Conseil is a Paris-based digital insurance broker distributing home, pet health, and legal protection policies to individual consumers in France on behalf of Groupe VYV, leveraging online self-service portals, municipal city partnerships, and social landlord referral channels.
- Ownership category
- akta.pro rank
Where VYV Conseil is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
VYV Conseil business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations, Others
Revenue model
- Insurance premiums (subscription-based): VYV Conseil generates revenue through recurring insurance premiums paid by customers on housing, animal health, and legal protection policies. Premiums are collected on a monthly or annual billing cycle. The company acts as an insurance broker (immatriculée sous le numéro 07 022 821 à l'ORIAS), distributing products underwritten by partners such as Altima Assurances for animal health coverage.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Assurance Habitation — multirisque habitation (MRH) starter |
| Subscription | Monthly | Santé Animale — Formule Sécurité |
| Subscription | Monthly | Santé Animale — Formule Tranquillité |
| Subscription | Monthly | Protection Juridique — legal protection |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
VYV Conseil product offering
Product offeringCore offering
VYV Conseil is an ORIAS-registered insurance broker (registration 07 022 821) that distributes home, legal protection, and pet health insurance products to individuals in France as a wholly-owned subsidiary of Groupe VYV, the leading mutualist health and social protection group. Customers can obtain quotes and subscribe online in under three minutes across three product lines, with underwriting provided by partners such as Altima Assurances for animal health coverage. The company combines direct digital self-service distribution with France-based phone customer support and referral partnerships negotiated through municipalities and social landlords.
Product overview
VYV Conseil is a multi-product insurance company offering three core insurance lines: home insurance (Assurance Habitation / Multirisque Habitation), pet health insurance (Santé Animale) for cats and dogs, and legal protection insurance (Protection Juridique). The home insurance product encompasses specialized variants for tenants, homeowners, students, and shared housing, with city-specific preferential rate partnerships available. Pet health insurance is offered through two formula tiers (Sécurité and Tranquillité) covering veterinary expenses with annual limits. Legal protection provides coverage starting from the first euro. The company operates as a subsidiary of Groupe VYV, the leading mutual health and social protection group in France, providing these products through both digital channels and French-based customer service.
Differentiator
Problem solved
Functional benefit
Products and services
- Assurance Multirisque Habitation (MRH) Core multirisque habitation insurance covering home, furniture, and civil liability for homeowners, tenants, and students across risks including fire, water damage, burglary, storms, glass break, and natural catastrophes; offered with online subscription in under 3 minutes starting at €3.68/month.
- Assurance Habitation Locataire
- Assurance Habitation Propriétaire
- Assurance Habitation Étudiant
- Assurance Habitation en Colocation Shared housing (colocation) insurance covering individual or collective contracts for housemates, with each occupant required to be insured under French law; supports furnished rentals and shared tenancies up to T4.
- Santé Animale (Pet Health Insurance) Pet health insurance for cats and dogs covering accidents, illness, surgery, hospitalization, consultations, lab tests, X-rays, and physiotherapy, offered through Formule Sécurité (80% reimbursement with €350 threshold) and Formule Tranquillité (65% or 80% from first euro), each with a €2,500 annual ceiling.
- Assurance Chat Cat health insurance with two formula options (Sécurité with €300 threshold and Tranquillité with first-euro coverage), offering 65% or 80% reimbursement up to €2,500 annually; includes assistance services such as emergency vet orientation and psychological support.
- Assurance Chien Dog health insurance with two formula options (Sécurité with €350 threshold and Tranquillité with first-euro coverage), offering 65% or 80% reimbursement up to €2,500 annually; includes assistance services such as animal boarding and funeral cost coverage.
- Protection Juridique Legal protection insurance covering legal defense costs from the first euro with no minimum intervention threshold and a €30,000 ceiling per dispute, available for everyday disputes in France, Monaco, and Andorra; starts at €7.50/month.
- Partenariats Ville (City Partnership Programs) City-negotiated home insurance partnership programs offering preferential rates, reduced deductibles, and guarantees adapted to local tenant needs; available in partner cities including Paris, Tourcoing, Marseille, Créteil, and Grenoble Alpes Métropole.
Quantifiable outcome
- Legal protection ceiling: €30,000 per dispute, no minimum intervention threshold, no waiting period
- +3 more outcomes
Companies that use VYV Conseil
Customer profileSegments5 records
Ideal customer profiles6 records
VYV Conseil technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
VYV Conseil partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core, flagship and minor.
- Groupe VYVcoreVYV Conseil is a wholly-owned subsidiary of Groupe VYV, the leading mutualist health and social protection group in France. Groupe VYV encompasses Harmonie Mutuelle, MGEN, MMG, MNT, VYV 3, and Groupe Arcade VYV. VYV Conseil serves as the Group's expert in home, animal health, legal protection, and soft mobility insurance products. Capital is 100% held by VYV Invest, a Groupe VYV subsidiary.
- Altima AssurancescoreAltima Assurances is the underwriter (assureur) for VYV Conseil's animal health insurance products. VYV Conseil acts as the distribution broker while Altima provides the insurance guarantees and claims settlement.
- Ville de ParisflagshipParis has negotiated a city-specific home insurance program with VYV Conseil, offering residents preferential rates, reduced deductibles, and guarantees adapted to tenant needs. Service is provided with dedicated customer support for Paris residents.
- Ville de TourcoingflagshipTourcoing has partnered with VYV Conseil to offer residents preferential housing insurance rates with guarantees adapted to the local tenant population.
- Ville de MarseilleflagshipMarseille has established a city-negotiated housing insurance partnership with VYV Conseil, providing residents with preferential terms and local support.
- Ville de CréteilflagshipCréteil municipality partners with VYV Conseil to offer residents preferential housing insurance rates with guarantees tailored to the local community.
- Grenoble Alpes MétropoleflagshipGrenoble Alpes Métropole has negotiated a collective insurance agreement with VYV Conseil for the benefit of its residents, offering preferential housing insurance pricing and adapted coverage.
- Social landlord partners (bailleurs sociaux partenaires)corePartner social landlords (bailleurs sociaux) distribute VYV Conseil's housing insurance to their tenants through dedicated solidarity programs, including options for low-income renters. VYV Conseil maintains a list of partner social landlords on its website.
- Harmonie MutuelleminorMutualist entity within the Groupe VYV ecosystem. Listed as a partner in the VYV Conseil footer alongside MGEN, MMG, MNT, VYV 3, and Groupe Arcade VYV, reflecting the broader mutualist group structure.
- MGENminorMutualist entity within the Groupe VYV ecosystem. Listed as a partner in the VYV Conseil footer alongside Harmonie Mutuelle, MMG, MNT, VYV 3, and Groupe Arcade VYV.
- MMG (Mutuelle des Métallos)minorMutualist entity within the Groupe VYV ecosystem. Listed as a partner in the VYV Conseil footer alongside Harmonie Mutuelle, MGEN, MNT, VYV 3, and Groupe Arcade VYV.
- MNT (Mutuelle Nationale Territoriale)minorMutualist entity within the Groupe VYV ecosystem. Listed as a partner in the VYV Conseil footer alongside Harmonie Mutuelle, MGEN, MMG, VYV 3, and Groupe Arcade VYV.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
VYV Conseil competitors and assessment
Company assessmentDirect peers
- Leocare: French mobile-first insurance broker distributing home, health, pet, and mobility insurance through a digital app. Direct comp as a French digital broker targeting individual consumers with multiple personal lines and inside-sales-style phone support.
- Acheel: French online insurance broker offering home, auto, and health insurance to individual consumers. Comparable on online self-service distribution and personal-lines breadth for French individual customers.
- SantéVet: France's leading specialist pet insurance provider for cats and dogs. Direct comp on VYV Conseil's Santé Animale line, competing head-to-head with multi-formula tiers for veterinary reimbursement in France.
- Luko: French insurtech originally specialized in connected home insurance and now operating inside Allianz France after its 2023 acquisition. Direct comp on digital-first French home insurance for individual consumers, with a similar online self-service GTM and competitors in the same price band.
Broad incumbents
- Matmut: French mutualist insurer offering home, auto, and health insurance through cooperative structures. Broad incumbent similar in mutualist DNA to VYV Conseil's parent but more diversified across personal lines.
- MAIF: France's leading mutualist insurer offering home, auto, and health insurance under a non-profit solidarity model. Broad incumbent with mutualist philosophy and values adjacent to VYV Conseil/Groupe VYV, but operating at much larger scale and broader product scope.
- GMF: French mutualist insurer historically focused on public-sector workers, offering home and personal insurance. Comparable mutualist positioning and personal-lines focus, but anchored in a different customer base.
- Direct Assurance: AXA Group's direct-to-consumer insurance brand in France selling home, auto, and personal insurance online. Comparable French D2C distribution to individuals but with the backing and broader product scope of a major insurance group.
Emerging players
- Alan: French insurance-technology company offering digital health insurance and wellness services with B2B and B2C distribution. Emerging player using a similar digital-first GTM and product simplification philosophy, though primarily health-focused.
Others
- Carrefour Assurance: Insurance distribution arm of Carrefour, partnering with major carriers to offer home, auto, health, and pet insurance in France to retail customers. Comparable as a French multi-product insurance distributor but functions primarily as a white-label distribution channel rather than a competing broker.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
VYV Conseil social profiles
Digital presenceVYV Conseil financial estimates
Financial estimateRevenue estimate
Valuation estimate
VYV Conseil leadership team
Management profileNumber of profiles
Profiles1 record
VYV Conseil funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
VYV Conseil M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about VYV Conseil
What does VYV Conseil do?
VYV Conseil is an ORIAS-registered insurance broker (registration 07 022 821) that distributes home, legal protection, and pet health insurance products to individuals in France as a wholly-owned subsidiary of Groupe VYV, the leading mutualist health and social protection group. Customers can obtain quotes and subscribe online in under three minutes across three product lines, with underwriting provided by partners such as Altima Assurances for animal health coverage. The company combines direct digital self-service distribution with France-based phone customer support and referral partnerships negotiated through municipalities and social landlords.
Is VYV Conseil a public or private company?
VYV Conseil is a private company. It is classified as corporate owned and is currently operating.
When was VYV Conseil founded?
VYV Conseil was founded in 1991. It employs 11 to 50 people.
Where is VYV Conseil based?
VYV Conseil is headquartered in Paris, France, in the Europe region.
How does VYV Conseil make money?
One revenue line is on record: insurance premiums (subscription-based).
Who are VYV Conseil's main competitors?
Direct peers on record are Leocare, Acheel, SantéVet and Luko. Broad incumbents are Matmut, MAIF, GMF and Direct Assurance. Alan is listed as an emerging player. Carrefour Assurance is listed as an others.
Does VYV Conseil have an API?
No public API is recorded for VYV Conseil.