The embedded insurance market in France

In France, affinity insurance means a contract offered alongside the purchase of a product or service, such as phone insurance or an extended warranty, according to the Comité consultatif du secteur financier (CCSF, the French financial sector advisory committee). Embedded insurance is its digital evolution: according to L’Argus de l’assurance (June 2023), it blends seamlessly into the purchase journey, at the right moment, and requires advanced mastery of data and technology. Journal du Net traces it back some thirty years.

Embedded insurance in France brings together long-standing affinity specialists such as SPB, white-label insurers such as Wakam, and insurtechs. According to Le Journal des entreprises (October 2024), Neat raised €50 million, offers 40 products in ten sectors and has more than 1,500 distributors; Journal du Net cites 2,500 clients in 2025. Estaly raised €3.6 million in 2024 and Evy €6.5 million in 2022, according to Journal du Net.

In France, embedded insurance is sold mainly on marketplaces, brand websites and in stores. According to L’Argus de l’assurance (March 2023), ManoMano rolled out more than 40 contracts in four countries, including France, with the neo-broker Evy. According to Bike éco (May 2025), the attachment rate of bike insurance reaches 40% of Voltaire’s direct sales, against 10 to 20% at retailers, and a bike insured online sells 2.5 times more.

Article L112-10 of the Code des assurances (French Insurance Code) gives, in France, a withdrawal period of thirty calendar days for supplementary insurance on a product or service, as long as no cover has been called upon. The opinion of the Comité consultatif du secteur financier (CCSF) adopted on 17 January 2023 requires a signature separate from the in-store purchase, a distinct positive action online, a welcome letter and annual information. The ACPR also supervises sellers’ remuneration.

In France, affinity contracts, the foundation of embedded insurance, concentrate disputes. According to Que Choisir (September 2023), 18% of the ombudsman’s property and casualty insurance cases concerned affinity insurance in 2022, after an 80% rise in disputes in one year. According to Économie Matin (March 2024), the claims-to-premiums ratio there ranges between 15 and 20%, against 80 to 85% in motor and home, which the ACPR considers unfavourable to policyholders.

A PDF report in French, 2026 edition, organised in six chapters: definition and scope, market size and dynamics, policyholder and distributor demand, supply and players, regulation and consumer protection, outlook.

The Code des assurances (French Insurance Code), the opinions of the Comité consultatif du secteur financier (CCSF), publications of the ACPR and the Médiation de l’assurance, company communications and trade press articles from the IndexPresse database. Every figure comes with its source and period.

Yes. The study is updated before it is sent, within 48 hours at most: it includes the latest published data, and every figure comes with its source and period.

Insurers, brokers and insurtechs, retailers, marketplaces and brands that want to build insurance into their offer, as well as consultants, bankers and investors who need to understand the embedded insurance market in France.

By email, as a PDF, within 48 hours of payment. Our analysts use that time to add the latest available data before sending. You then find it in your My studies area.

A search engine or a general-purpose AI relies on the public web. Our analysts also work with the IndexPresse professional press database, built over more than 35 years, check the original sources and state the period and scope of every figure. You get a structured document you can cite in a business plan or a bank file.

An invoice with VAT is emailed after every payment, and you can enter your company VAT number. For a quote, a purchase order or a bank transfer, contact us.

If the report does not match the contents shown on this page, we redo it or refund you, as our terms of sale provide. Before buying, you can browse the free preview and ask the team your questions.

Yes: the pack of 5 studies costs €370 excl. VAT, that is €74 per study instead of €99. You pick your studies freely for 12 months.