CAAREA
Automotive affinity insurance MGA offering motor vehicle protection programs for manufacturers, insurers, and finance companies
Overview
CAAREA is an automotive affinity insurance MGA headquartered in Puteaux, France, distributing motor vehicle protection programs through automotive manufacturers, insurers, and finance companies. Founded in 2010, the company concentrates on automotive insurance programs marketed under the concept of "Automotive Lifestyle Protection" for vehicle users, drivers, and capital providers.
The company underwrites automotive insurance programs with reinsurance capacity from SCOR, Swiss Re, and Munich Re. CAAREA manages the full insurance value chain in-house with teams covering actuarial analysis, underwriting, data science, automotive engineering, legal, and business development. The company also licenses its underwriting and technology platform on a white-label basis to automotive brands and other MGAs.
CAAREA manages approximately EUR 450-500M in active premiums across more than one million insured vehicles. The company operates primarily in EMEA and serves both traditional and electric vehicle manufacturers seeking affinity insurance programs for their customers.
Products & Services
CAAREA Management
AI-powered contract event management and claims platform for automotive insurance. The system covers digitalized claims declaration, policy administration, and smart contract processing. The platform is built to support extensive product customization across automotive insurance programs.
Key Features
- Digitalized claims declaration and processing
- AI-driven claims automation
- Smart contract management
- High-volume product customization
Target Users: Automotive insurers, MGAs, and automotive manufacturers requiring digital policy and claims administration
Distribution: B2B, direct to insurance and automotive partners
CAAREA Sales
Subscription-based sales facilitation tool designed to accelerate automotive insurance distribution and improve conversion rates.
Target Users: Automotive manufacturers, dealers, and insurance distributors
Distribution: Subscription, B2B
CAAREA Consulting
Data management and reporting platform supporting underwriting and operational decision-making in automotive insurance.
Target Users: Automotive insurers and MGA partners
Distribution: B2B
White Label Motor Insurance Programs
Customizable white-label motor insurance programs for automotive brands and other MGAs. Partners design branded insurance products using CAAREA's underwriting authority, reinsurance relationships, and technology platform.
Key Features
- Real-time product design and refinement
- Branded programs supported by established reinsurance arrangements
- Full MGA infrastructure including underwriting and claims management
Target Users: Automotive manufacturers, motor brands, and other MGAs
Distribution: Partnership agreements with automotive manufacturers and distribution networks
At a Glance
- Founded
- 2010
- Headquarters
- Puteaux, Ile-de-France, France
- Employees
- 51-200
Category & Focus
- Category
- Specialty Solutions
- Insurance Verticals
- P&C Personal P&C Commercial
- Target Customers
- Carriers, Brokers, MGAs/MGUs
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Last updated: 2026-07-08