# Kooalys

> Digital car fleet insurance for SMEs in France, with eco\-vehicle pricing and broker distribution

## At a glance

| Field | Value |
| --- | --- |
| Category | Underwriting & Risk |
| Type | MGA |
| Region | EMEA |
| Headquarters | Paris, France |
| Founded | 2021 |

## Overview

Kooalys is a commercial auto MGA offering digital car fleet insurance to small and medium-sized businesses in France, covering fleets starting from two vehicles. The company operates as a fully digital MGA with online policy issuance and fleet management tools, targeting SMEs that cannot easily access traditional fleet insurance through standard channels.

Products are distributed through a direct digital channel and through +Simple, a French digital insurance broker network connecting Kooalys fleet products to over 4,500 local brokers. The MGA model provides full binding authority; specific carrier capacity partners are not publicly disclosed.

Kooalys differentiates on two dimensions: real-time risk scoring using socio-demographic, behavioral, insurance history, and fraud signals; and an immediate -10% premium discount for low-emission vehicles applied at quote. The company was founded in 2021 by Jean-Baptiste Limare (ex-CEO of Veygo UK) and Martin Gross (ex-founder of CommoPrices fleet analytics).

## Products & services

### SME Fleet Insurance

Digital car fleet insurance for businesses managing two to approximately 20 vehicles. Designed for digital-first policy issuance, ongoing fleet management, and subscription-based renewal.

**Key features:**

- Commercial auto and fleet liability coverage
- 24/7 roadside assistance
- Immediate \-10% pricing discount for low\-emission vehicles

*Target users:* Small and medium\-sized businesses in France with vehicle fleets

*Distribution:* Direct digital channel and \+Simple broker network \(4,500\+ local brokers\)

### Virtuo Fleet Integration

Fleet insurance embedded within the Virtuo on-demand mobility platform, covering peer-to-peer car rental fleet risks in France.

*Target users:* On\-demand mobility platforms and rental fleet operators

*Distribution:* Direct integration with the Virtuo platform

## Category & focus

- Insurance verticals: P&C Commercial
- Target customers: Consumers, Brokers

## Links

- Website: <https://www.kooalys.com>
- Directory profile: <https://insurtechlist.com/companies/kooalys/>
- Linkedin: <https://www.linkedin.com/company/kooalys-insurtech>

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*Last updated: 2026\-07\-12*