Kooalys

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

Underwriting & Risk

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.