This article showcases our top picks for the best France based InsurTech companies. These startups and companies are taking a variety of approaches to innovating the InsurTech industry, but are all exceptional companies well worth a follow.
We tried to pick companies across the size spectrum from cutting edge startups to established brands.
We selected these startups and companies for exceptional performance in one of these categories:
- Innovative ideas
- Innovative route to market
- Innovative product
- Exceptional growth
- Exceptional growth strategy
- Societal impact
Top France InsurTech Companies
Luko is an insurance company that provides a device that focuses on home security and reduces electricity bills. It features an AI-powered sensor designed for monitoring and preventing home accidents.
Luko aims to move insurance from a claims-based model to prevention with its proprietary technology. The company was founded in 2016 and headquartered in Paris, France..
Moonshot Insurance previously Moonshot-Internet is an Insurtech, leader of contextual insurance that provides Insurance-As-A-Service products to empower the e-commerce industry, mobility providers, along with financial services and so much more. From underwriting to claim process, Moonshot Insurance innovates at every stage of the insurance value chain.
Our value proposition combines innovative insurance coverage with a fully digital experience to enrich the customer experience and meet new consumer behaviours. Moonshot Insurance operates innovative white-labeled contextual insurance products thanks to its cutting-edge technologies and its API architecture.
Since its creation in 2017 within Société Générale Assurances, Moonshot Insurance has been recognized as one of the major fintech firms in Europe by “Emerging 50 fintechs” by KPMG, “TOP 100 Insurtechs” by The DIA Community, “TOP 100 Insurtechs” by Fintech Global…. .
Descartes Underwriting is an insurtech company that specializes in climate risk modeling and data-driven risk transfer. It works with corporate brokers to design and underwrite innovative, bespoke, and affordable insurance.
The company offers tech-based insurance products covering risks such as flooding, wildfires, droughts, and other large-scale events to businesses, across all sectors, including agriculture, hospitality, mining, construction, traditional and renewable energy, entertainment, and retail. The company was founded in 2019 and is headquartered in Puteaux, Ile-de-France, France..
Zelros is an end-to-end AI business platform that integrate standard scenarios for sales & claims. Zelros is a technology helping insurers to better serve their clients with the support of Artificial Intelligence and Machine Learning.
Current functionalities of their platform are augmented sales and predictive claim management.. .
Valoo is a Digital Management Platform for your belongings. It helps you: 1- to inventorize anything you purchase or own already in an automatic way, including important documentation (receipts, warranty, etc.) 2- to know the market value in real time of your belongings 3- to actively manage it – sell, rent, share any but also insure or file a claim – for a single item or your inventory as a whole.
It is free and if your home insurance provider is a partner, you get a premium version.. .
Meteo Protect is an insurance underwriting and technology company specializing in Parametric Insurance. Authorized coverholder at Lloyd’s, we underwrite insurance and reinsuranceon weather risk, priced in real-time by Vivaldi, our underwriting and policy lifecycle management platform running on SAP’s HANA.
Distribution is fully indirect, either through brokers or through specialized insurers in our white-label program. Their software is certified by SAP.
They have served clients in 9 countries to date. In 2019, Meteo Protect launched the first Open Insurance API platform for parametric insurance:.
Unkle is an Insurtech startup which offers renters to be their guarantor for a fee. Unkle’s mission is to facilitate the access to housing through innovation.
Unkle is headquartered in Paris, France. Unkle est le garant des locataires qui sécurise gratuitement les propriétaires contre les loyers impayés.
La mission d’Unkle est de faciliter l’accès à la location. Chaque locataire peut avoir Unkle en tant que garant en moins de 3 minutes sur https://www.unkle.fr et avoir 10 fois plus de chances de louer son logement..
For the first time in Europe – Rent your new apartment or office deposit free. Property owners: rent twice as fast to tenants we fully vet, and never argue again at the end of a tenancy.
We’ve got you covered for rents and damages. And it’s 100% free.
Tenants: save thousands and rent the best place. We can be your guarantor.
No need to pay upfront for damage that probably won’t happen.. .
Allphins is a new platform with a single mission: to provide customers, brokers, insurers and reinsurers with actionable insights on energy risks to make better and faster risk transfer decisions. Understanding risks related to energy assets is challenging due to the difficulty to find quality data and time required to perform an effective risk assessment.
To address this, Allphins provides data, insights and the tools to analyze and price risks or design risk management programs. Our product runs analysis on diverse and new datasets while utilizing state of the art data science.
We also aim to improve collaboration across the insurance value chain.. .
AOC Insurance Broker
AOC Insurance Broker “Insurtech” is leading a global international health insurance advisor & employee benefits we compare individual and corporate health insurance plans according to your needs with 30 worldwide top providers! AOC Expatcare (available on IOS /AndroÏd), a mobile application and a scalable platform dedicated to health insurance with a user path adapted to Baby boomers, Gen x, Millenials, Gen Z expatriates who want services, interaction and benefit from the health of the future. AOC Expatcare, is also a commitment and loyalty program rewarding the efforts of our insured clients in taking preventive actions through digital and human health and the latest breakthrough technologies (tests blood, genetics, connected sensors and objects, interpretations of medical records according to ICD10 standards, follow-up and recommendations etc.) AOC Insurance Broker is awarded by Finance Innovation French Tech (June 2017) and supported by Region Ile de France & BPI (Banque Publique Investissement).
Our target & Market : 300 million expatriates – 60 million more every year + Private health insurance market Target BtoC & BtoB : individuals/families, SME, companies, large groups, organizations – in charge of international mobility and compensation employees benefits BtoB toC : API smartcare reasoning medical platform to Health insurance market with a reward program Location office : France – (Courbevoie) Hong-Kong Our strengthts & Key differenciators: The business model of the AOC Insurance Broker comparator is adaptable to all private health insurance markets Technology – Time to market – Expertise 1- Platform Algorithm for analyzing, comparing and recommending health plans based on the needs of policyholders Customer commitment to health with a coupon for a wearables and a « Reward » program offering discounts on their insurance premium 2 – AOC Expatcare is the first mobile App comparing international private medical health insurances for expatriates taking their needs in consideration and leaning on digital health – Compare their current health insurance policy with the rest of the market – Make a live comparison based on their needs using the AOC Expatcare algorithm in their phone – Access the AOC The Family Rewards program & m-health with our exclusive partner Medicus.ai – Interact with an AOC Team expert 3 – AOC Insurance Broker aims to disrupt the global insurance industry. This is our strategy: – Sell the AOC Insurance Comparator algorithm to the insurance broker market – Application integration and systems solution – Implement Machine Learning/AI in the comparator and the AOC Expatcare app – Build a smart chatbot/Robot advisor to help our client find the perfect insurance plan, and automate our processes 4 – International Exposure: Picking Innovation Winners – 2017 Innovators to Watch – AOC Insurance Broker its comparison/prevention/reward model through its AOC Expatcare application is proud to be one of the 54 innovators out of 72,000 insurtech companies worldwide.
Report there. http://bit.ly/2DS5hSQ AOC Insurance Broker six innovator to watch november 2017: http://blog.insurancethoughtleadership.com/blog/six-innovators-to-watch-november-2017 – Klein Blue Panorama France Insurtech March 2017: https://www.kleinblue.fr/single-post/2018/03/07/Insurtech-Index-France You Tube channels: https://www.youtube.com/channel/UCRDWjqj0H5olm1A-RwG2kJg Press Medias: https://www.aoc-insurancebroker.com/press-page.
Khresterion is the editor of a reasoning engine based on exclusive algorithms of Artificial Intelligence. Their technology makes it possible to industrialize the expert reasoning, whatever its complexity and the field of application.
It thus makes it possible to delegate decision-making, even the most expert in the company: To make each employee his own expert, holder of the best business practice, Decide with discernment in any circumstance, Justify its deviations from the good practice. .
SCOR is a global reinsurance company providing its clients with a broad range of innovative solutions and services and a solid financial base. SCOR is the 4th largest reinsurer in the world, provides insurance companies with a diversified and innovative range of solutions and services to control and manage risk.
Using its experience and expertise (“The Art & Science of Risk”), SCOR provides cutting-edge financial solutions, analytics tools and services in all areas related to risk – in Life & Health insurance (longevity, mortality, LTC, etc.) as well as in P&C insurance (natural catastrophes, agriculture, industry, transport, engineering, etc.). SCOR’s aim, as an independent global reinsurance company, is to develop its Life and P&C business lines, to provide its clients with a broad range of innovative reinsurance solutions and to pursue an underwriting policy founded on profitability, supported by effective risk management and a cautious investment policy, in order to offer its clients an optimum level of security and to create value for its shareholders..
Effisoft delivers software solutions to the Insurance, Reinsurance and Risk Management industries worldwide. Their products are designed for all insurance professionals comprising from risk managers to reinsurers, insurance companies and brokerage firms.
Within neraly 30 years, Effisoft has managed to build solid client relationships and remain an independent and proactive company. This allowed the group to record constant growth and extend its international presence dramatically in the last decade..
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