Active Assurances
Digital insurance brokerage company dedicated in motor insurance.
| Date | Investors | Amount | Round |
|---|---|---|---|
| - | investor | €0.0 | round |
| investor investor | €0.0 | round | |
N/A | Acquisition | ||
| Total Funding | 000k | ||
| EUR | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 |
|---|---|---|---|---|---|---|---|
| Revenues | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 |
| % growth | - | 82 % | 33 % | (50 %) | 116 % | 16 % | (36 %) |
| EBITDA | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 |
| % EBITDA margin | 51 % | 70 % | 66 % | - | - | - | - |
| Profit | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 |
| % profit margin | 8 % | 25 % | 24 % | 22 % | 12 % | 23 % | 28 % |
| EV | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 |
| EV / revenue | 00.0x | 00.0x | 00.0x | 00.0x | 00.0x | 00.0x | 00.0x |
| EV / EBITDA | 00.0x | 00.0x | 00.0x | 00.0x | 00.0x | 00.0x | 00.0x |
| R&D budget | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 |
Source: Company filings or news article
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Active Assurances operates as a digital insurance brokerage firm, specializing in the distribution of motor and health insurance products primarily through online channels. The company was established in 2011 by co-founders Thomas Riottot, Denis Salmoiraghi, and Didier Naccache, who leveraged their expertise in the insurance sector to build the firm.
The firm's business model is centered on direct-to-consumer online sales and a wholesale B2B channel that serves a network of partner brokers. Active Assurances designs, distributes, and manages insurance policies, handling everything from online subscription and financial flows to claims management, often with full delegation from its insurance company partners. This digital-first approach allows for efficient customer acquisition and policy management, catering to a broad client base that includes individuals with terminated policies or poor risk profiles. The company generates revenue through brokerage commissions on the insurance products it sells.
A significant milestone in the company's history was the May 2018 investment from Activa Capital and Bpifrance, which was intended to fuel its growth and strategic acquisitions. This led to a key development in February 2019, when Active Assurances merged with AFI Assurances, a specialist in health, accident, and life insurance brokerage. This merger diversified the group's offerings and expanded its expertise into personal insurance. In March 2021, the entire Active Assurances Groupe was acquired by Meilleurtaux, a major French financial services marketplace, to complete its platform by integrating a sales and management component for auto and health insurance. The company operates with management centers in both France and Madagascar to maintain service levels.
Keywords: digital insurance brokerage, motor insurance, health insurance, online insurance sales, insurtech, B2C insurance, wholesale insurance, insurance policy management, auto insurance, personal insurance, insurance broker network, claims management, policy subscription, financial services marketplace, direct-to-consumer, risk profile insurance, online quotes, customer acquisition, policy administration, insurance distribution