Insurer profile
Société Générale S.A. (insurance products marketed under the Société Générale Assurances brand via Sogécap, Sogessur and Antarius)
Société Générale S.A. (insurance products marketed under the Société Générale Assurances brand via Sogécap, Sogessur and Antarius) · France
Overview
Société Générale is a French multinational banking and financial services group founded in 1864. Through an integrated bancassurance model, it distributes a full range of insurance products in France - life, savings, health, protection and property & casualty - via its insurance subsidiaries Sogécap (life insurance), Sogessur (property & casualty) and Antarius, marketed to Société Générale's retail and private banking customers under the commercial brand Société Générale Assurances.
Source23
Products in this market
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Offer pages
Products from Société Générale S.A. (insurance products marketed under the Société Générale Assurances brand via Sogécap, Sogessur and Antarius)
Property3
Home Insurance
Home insurance for tenants, owners, landlords and students, covering fire, water damage, burglary and climate events, with included civil liability and optional remote monitoring.
Remote Home Monitoring (Homiris)
Remote surveillance formulas including an alarm system and 24/7 monitoring to protect the home, available as a complement to home insurance.
Multi-risk Insurance for Professionals
Covers professional premises, their contents and the policyholder's professional civil liability under a single contract underwritten with Sogessur.
Health4
Personal Accident Insurance (AAV)
Covers the whole household against everyday accidents with compensation up to EUR 1 million and 24/7 assistance services in case of hospitalization or disability.
Supplementary Health Insurance
Optional group health top-up contract underwritten with Sogécap, offering modular formulas to cover medical expenses not reimbursed by the state health system.
School Insurance
Covers children for civil liability and bodily injury during school and extracurricular activities, often added to an existing home insurance contract.
Collective Supplementary Health Insurance (Professionals)
Collective health top-up contract underwritten by the APOGEE association with Sogécap for business owners and their employees, with four guarantee levels and optional upgrades.
Liability5
Legal Protection Insurance
Covers policyholders and family across 14 areas of law (housing, consumer, motor, labour law, e-reputation, identity theft, etc.) with access to specialised legal advisers.
Personal Civil Liability
Covers policyholders against financial consequences of unintentional bodily, material or non-material damage caused to third parties in private life.
Professional Civil Liability (RC Pro)
Covers physical and material damage a professional may cause to a third party in the course of their activity; mandatory for regulated professions such as healthcare, legal, construction or transport.
Ten-Year Construction Warranty (Décennale)
Mandatory ten-year warranty covering damage that may affect a building within ten years after delivery, for construction professionals such as builders and architects.
Legal Protection for Professionals
Legal protection contract for professionals intervening in disputes whose triggering event occurs after the contract's subscription.
Travel3
Travel Insurance - Holidays (Chapka Cap Assistance)
Travel insurance distributed with partner Chapka (Aon France) covering tourist trips abroad of less than three months.
Travel Insurance - Studies Abroad (Chapka Cap Student)
Travel insurance for students studying or interning abroad, covering medical expenses, hospitalisation and medical repatriation, distributed with partner Chapka.
Travel Insurance - Working Abroad (Chapka Cap Working Holiday)
Travel insurance for people going abroad on a working holiday visa (PVT), distributed with partner Chapka (Aon France).
Life3
Généa Death Insurance
Optional group life insurance contract underwritten with Sogécap that pays a lump sum to beneficiaries in the event of the policyholder's death, with a simplified health questionnaire.
Funeral Expenses Guarantee
Prepaid funeral insurance that guarantees a lump sum for funeral costs, paid within 48 hours after documentation, plus assistance for relatives.
Salary Guarantee (income protection)
Optional group income-protection contract underwritten with Sogécap and Sogessur paying between EUR 150 and EUR 1,500 per month to compensate loss of income.
Financial3
Life Insurance / Savings (Ébène, Séquoia)
Multi-vehicle life insurance and savings contracts underwritten with Sogécap combining euro-denominated funds and unit-linked investments, with flexible withdrawals and favourable inheritance tax treatment.
Individual Retirement Savings Plan (PER Acacia)
Individual retirement savings plan (PER) underwritten with Sogécap offering upfront tax deductions on contributions, with capital generally locked until retirement.
Borrower / Loan Insurance
Loan protection insurance covering repayment of mortgage or consumer credit in case of death, disability or job loss of the borrower.
Other1
Quiétis (payment means and mobile device protection)
Insurance covering fraudulent use of payment cards/cheques, cash withdrawal fraud, breakage or theft of mobile phones/tablets, and lock/key replacement after loss or theft.
Regulatory updates
On 13 May 2026, the ACPR's sanctions commission issued Société Générale a reprimand and a EUR 20 million fine, its harshest sanction in seven years, for failing to meet pre-contractual disclosure and advice obligations as an insurance intermediary in the marketing of the bundled 'Sobrio' offer, which automatically included the 'Mon Assurance au Quotidien' policy underwritten by its subsidiary Sogessur, as well as the 'Certicompte', 'Certi Épargne' and 'Mon Assurance Mobile' contracts. The decision follows an on-site inspection conducted by the regulator between 2023 and 2024 and will be published nominally in the ACPR register for five years.
Reputation and reviews
Offer pages
Casco (own-damage car insurance)
casco (own-damage car insurance) from Société Générale Assurances for the France market, with online purchase and 24/7 assistance.
Last verified Aug 29, 2026