Acheel

Acheel is a direct-to-consumer and B2B2C digital insurance carrier based in Paris, France, offering personal lines insurance products entirely online. Founded in March 2020 by Ralph Ruimy and Francky Defosse, it holds regulatory approval from the ACPR (the French Prudential Supervision and Resolution Authority) across multiple branches of insurance, covering home, auto, health, pet, borrower, and professional liability lines for the French market.

The carrier operates on a fully digital infrastructure with zero-paper processes. Customers subscribe to and manage contracts via a smartphone app or web portal, typically within two minutes. Acheel automates the cancellation of prior policies on behalf of new policyholders and integrates electronically with partner brokers via its Charlee platform, which provides white-label and API-driven underwriting funnels for proximity brokers. Professional liability and borrower insurance are distributed through API-based partnerships, including an exclusive arrangement with Digital Insure for instant rate comparisons and near-instant policy issuance.

As of 2024-2025, Acheel reports 800,000+ contracts in force and approximately EUR 200M in annual gross written premiums. The company turned profitable in 2023, reporting a net result of EUR 1.025M on EUR 157M in premiums with approximately 75 employees. Acheel achieved B Corp certification from B Lab Global in 2024 and has received recognition as Fintech of the Year 2023 and Insurtech of the Year 2024.