CAAREA

Automotive affinity insurance MGA offering motor vehicle protection programs for manufacturers, insurers, and finance companies

Specialty Solutions

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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.