Insurer profile
CARMA (Compagnie d'Assurance), trading as Carrefour Assurance
CARMA (Compagnie d'Assurance), trading as Carrefour Assurance · France
Overview
Carrefour Assurance is the insurance brand of the Carrefour retail group in France, operated mainly through CARMA and CARMA VIE, insurance companies created respectively in 1991 and 1999/2000 with historical capital participation from MMA (Covéa).
Source16
Products in this market
1
Offer pages
Company details
- Parent group
- Groupe Carrefour (in partnership with Covéa/MMA)
- Regulator
- French Prudential Supervision and Resolution Authority (ACPR)
- Phone
- +33 9 74 75 74 74
- [email protected]
Products from CARMA (Compagnie d'Assurance), trading as Carrefour Assurance
Motor
Car Insurance
Motor insurance with Essentielle and Intégrale formulas, including third-party liability, breakdown assistance and an optional lifetime bonus protection.
Personal Mobility Device Insurance (NVEI)
Mandatory third-party liability insurance for motorized personal transport devices (e-scooters, etc.) from €4.50/month.
Property
Home Insurance
Home insurance for tenants and owners with Essentielle and Intégrale formulas covering fire, water damage, theft and natural disasters.
Non-Occupant Owner Home Insurance (PNO)
Home insurance dedicated to non-occupant property owners renting out their property.
Second Home Insurance
Dedicated home insurance formula for secondary residences with customizable coverage levels.
Appliance & Electronics Protection (In-Store Purchases)
Extended warranty covering breakdown and/or breakage/theft for appliances and electronics purchased in Carrefour hypermarkets or on carrefour.fr.
Financial
Loan/Mortgage Insurance
Borrower's insurance covering death, disability or incapacity linked to a mortgage or personal loan, underwritten by CARMA and distributed via Lybernet.
Payment Method Protection Guarantee
Guarantee protecting cardholders in case of fraudulent use, loss or theft of payment cards.
Other
School and Extracurricular Insurance
Insurance covering children during school, extracurricular activities and daily life, in France and abroad, including bodily injury and civil liability.
Multi-Device Insurance (Garantie Multi Nomades)
Covers all mobile devices in a household (phones, tablets, computers, cameras, consoles) against breakage, theft and oxidation.
Single Device Insurance (Mono Nomade)
Protects a single mobile device (tablet, laptop, e-reader, portable console) against breakage and theft.
Family Protection Insurance (Accident Cover)
Personal accident guarantee (GAV-type) protecting the policyholder, spouse and children against consequences of daily life accidents, with formulas up to Intégrale+.
Game Console Extended Warranty
Extended breakdown warranty for game consoles for 2 years beyond the legal guarantee, for a flat fee of €35.
Regulatory updates
CARMA and CARMA VIE are registered with the ACPR under the CARREFOUR insurance group (identifier 226474), both subject to Solvency II and authorized to operate in France; CARMA also holds Freedom of Services (LPS) passports for Belgium, Spain and Italy.
Reputation and reviews
Offer pages
Motor third-party liability
motor third-party liability insurance from Carrefour Assurance for the France market, with online purchase.
Last verified Aug 29, 2026