Insurer profile
Groupama Assurances Mutuelles (Caisse Nationale de Réassurance Mutuelle Agricole Groupama)
Groupama Assurances Mutuelles (Caisse Nationale de Réassurance Mutuelle Agricole Groupama) · France
Overview
Groupama is a leading French mutual insurance group, founded following the Act of 4 July 1900 that established the legal framework for agricultural mutual insurance, and progressively opened to all individuals, professionals, and businesses. It operates through a network of regional mutual funds and thousands of agencies across France, offering a comprehensive range of property, health, life, travel, and financial insurance products.
Source32
Products in this market
3
Offer pages
Company details
- Parent group
- Groupama Assurances Mutuelles (mutual group, no external parent)
- Regulator
- Autorité de Contrôle Prudentiel et de Résolution (ACPR)
- Phone
- +33 1 44 56 77 77
Products from Groupama Assurances Mutuelles (Caisse Nationale de Réassurance Mutuelle Agricole Groupama)
Motor6
Car Insurance (Third Party / Liability)
Mandatory third-party liability car insurance covering civil responsibility and basic assistance, available in multiple tiers from minimum cover to comprehensive.
Comprehensive Car Insurance (All Risks)
Comprehensive motor insurance covering all accident risks, vandalism, mechanical breakdown, natural disasters, and theft, offered in multiple formulas.
Motorcycle / Scooter Insurance
Insurance for motorcycles and scooters, covering civil liability, theft, and damage.
Bicycle Insurance
Insurance for bicycles including electric bikes covering theft, damage and liability.
Electric Scooter Insurance
Insurance for electric scooters covering liability and damage.
Motorhome / Campervan Insurance
Insurance for motorhomes and caravans, covering civil liability, damage and assistance.
Property5
Home Insurance (Multi-risk)
Comprehensive home insurance for tenants and homeowners covering fire, water damage, theft, natural disasters, and civil liability.
Home Surveillance / Remote Monitoring
24/7 home surveillance service protecting against intrusion and electrical failure, available in autonomous or delegated management mode.
Business / Commercial Insurance
Insurance for businesses, artisans, and liberal professions covering premises, equipment, civil liability, and loss of business activity.
Agricultural Insurance
Specialized insurance for farmers and agricultural businesses covering crops, livestock, equipment, and farm buildings.
Construction / Dommages Ouvrage Insurance
Mandatory construction insurance compensating businesses for serious defects occurring within 10 years of building completion.
Health6
Supplementary Health Insurance (Mutuelle Santé)
Individual supplementary health insurance covering medical consultations, hospitalization, dental, optical and hearing care, with multiple levels of coverage.
Group / Collective Health Insurance for Companies
Collective supplementary health insurance for company employees, covering medical costs and providing complementary cover to the mandatory social security.
Personal Accident / Life Accident Guarantee
Insurance covering permanent or serious disability and death following an accident in daily life, complementing existing social security benefits.
School / Children's Insurance
Insurance for children covering accidents during school activities, extracurricular activities and personal liability.
Remote Personal Assistance (Teleassistance)
Remote personal emergency assistance service, particularly for elderly or dependent people, providing 24/7 alert in case of falls or health emergencies.
Long-term Care / Dependency Insurance
Insurance that pays a monthly allowance in the event of partial or total loss of autonomy due to age, illness, or accident.
Liability3
Legal Protection Insurance
Legal protection insurance covering legal costs and advice for disputes in daily life, including consumer, employment, and neighbourhood conflicts.
Professional Civil Liability Insurance
Professional liability insurance covering civil liability of businesses and self-employed professionals for damages caused to third parties in the course of their professional activity.
Directors & Officers Liability Insurance
Liability insurance protecting company directors and officers against personal financial exposure arising from management decisions.
Travel2
Travel Insurance
Comprehensive travel insurance covering medical expenses abroad, repatriation, lost luggage, trip cancellation and professional travel.
Professional / Business Travel Insurance
Travel insurance specifically designed for business travelers covering medical expenses, repatriation, trip cancellation and emergency return.
Life5
Life Insurance / Savings (Assurance Vie)
Life insurance savings contract allowing capital accumulation with a favourable tax framework, available in euro-denominated funds or unit-linked accounts.
Death Insurance
Insurance paying a lump sum to beneficiaries upon the insured's death, designed to protect dependants.
Funeral / Bereavement Insurance
Insurance covering funeral expenses and organizing end-of-life arrangements according to the insured's wishes.
Provident / Income Protection Insurance (Prévoyance)
Individual provident insurance covering risks of death, disability and serious illness, providing income replacement for the insured and their family.
Group Provident Insurance for Companies
Group provident insurance for employees covering disability, incapacity for work and death, mandatory for managerial staff.
Financial3
Retirement Savings Plan (PER - Plan Épargne Retraite)
Individual retirement savings plan with tax deductions on contributions, managed through piloted or free investment strategies until retirement.
Mortgage / Loan Protection Insurance
Insurance protecting borrowers and lenders against the risk of death, disability or incapacity to repay a mortgage or personal loan.
Trade Credit Insurance (Assurance-Crédit)
Credit insurance protecting businesses against non-payment and payment delays on domestic and export transactions, with surety bond options.
Regulatory updates
Groupama is regulated by the ACPR and files under the Code des Assurances; it also files its universal registration document with the AMF (Autorité des Marchés Financiers). At year-end 2025, Groupama Assurances Mutuelles' regulatory SCR and MCR coverage ratios stood at 318% and 1,090% respectively, with eligible own funds of €10,126 million. At the group level, the Solvency 2 coverage ratio reached 222% at year-end 2025 (without transitional measures) and 274% with the ACPR-authorized transitional measure on technical provisions, up 37 points from 2024. Group full-year 2025 revenue reached €20.0 billion (+8.4%) with net income of €1.0 billion. In May 2025, Groupama Assurances Mutuelles issued €500 million of Tier 2 subordinated notes, and in January 2026 it issued a further €600 million perpetual subordinated debt. Fitch Ratings reaffirmed Groupama's 'A+' financial strength rating with a 'Stable' outlook on 20 November 2025. For H1 2026, the group's Solvency 2 coverage ratio further improved to 240% (without transitional measures) and 284% with the transitional measure, with economic operating income up 26.0% year-on-year to €634 million.
Reputation and reviews
Offer pages
Casco (own-damage car insurance)
casco (own-damage car insurance) from Groupama for the France market, with online purchase and 24/7 assistance.
Last verified Aug 29, 2026
Motor third-party liability
motor third-party liability insurance from Groupama for the France market, with online purchase and 24/7 assistance.
Last verified Aug 29, 2026
Travel insurance
travel insurance from Groupama for the France market, with online purchase and 24/7 assistance.
Last verified Aug 29, 2026