Fluo

Fluo is a French insurance brokerage specializing in mortgage insurance (assurance de pret immobilier) comparison and comprehensive coverage diagnostics for individual consumers. Founded in 2013 in Paris by Jehan de Castet -- who previously co-founded LesFurets.com, an online insurance comparator -- and Laurent Foisset, the company operates through a web platform and mobile application in the French market.

The platform focuses on helping mortgage borrowers switch from bank group insurance contracts to competing policies at reduced cost, with published savings of 30-50% over typical bank offerings. The qualification and subscription process is fully online, including a two-minute quote simulation and digital health questionnaire. Beyond mortgage insurance, Fluo provides a 360-degree analysis of a consumer's existing insurance portfolio -- spanning auto, home, health, disability, travel, and bank card coverage -- to identify duplicate policies and coverage gaps, particularly those embedded in French bank card benefits.

Fluo distributes directly to consumers and through B2B2C partnerships with banks, travel agencies, marketplaces, and car rental companies. The company received venture backing from Credit Mutuel Arkea and Exalliance, and Magnolia.fr, a French insurance brokerage operator, invested in 2020.