Overview
Les Affranchis is a P&C claims management platform for auto accident victims in France. Founded in 2015 in Aubière by Benjamin Labonne (a body shop owner with a doctorate in physics) and Steve Saez (a bodily injury damages expert), the company was built to rebalance the relationship between accident victims and insurance companies in favor of non-responsible policyholders.
The platform operates on a direct recourse model: when a driver is not at fault in an auto accident, Les Affranchis takes over the full claims administration on their behalf, coordinating with independent medical experts, automotive repair specialists, and specialized road-law legal professionals. Clients pay no upfront fees. A companion tool, Verifconstat.fr, provides independent online liability assessments for drivers who upload their accident report and receive a fault determination within 24 hours. Internal claims investigation is supported by COLT, a proprietary big data document analysis tool.
The company was incubated at Le Bivouac, Clermont-Ferrand's startup hub, and has raised a EUR 1M seed round from Credit Agricole Centre France and Sofimac Partners. French media and industry observers have designated the company an "assurtech."
Products & Services
Claims Management Platform
A B2C web platform managing the full P&C auto accident claims lifecycle for non-responsible victims. The platform uses a direct recourse model that avoids requiring clients to file claims with their own insurers, instead coordinating directly with third-party insurer networks.
Key Features
- End-to-end claims administration with no upfront client fees
- Direct recourse model bypassing the victim's own insurer
- Coordination with independent medical and automotive repair experts
- Access to specialized road law and bodily injury legal professionals
Target Users: French auto accident victims who are not at fault
Verifconstat.fr
A free online tool allowing drivers to obtain an independent assessment of their accident liability before engaging an insurer. Users upload a scanned accident report and receive a fault determination from an expert within 24 hours.
Key Features
- Self-service accident report upload and analysis
- Independent liability assessments (Responsible, 50/50, or Non-Responsible)
- 24-hour expert review turnaround
- No affiliation with any insurance company
Target Users: French drivers seeking an independent accident liability assessment
COLT
A proprietary big data document research and analysis tool used internally to support claims investigation and evidence gathering on active cases.
Key Features
- Big data document retrieval and research
- Claims evidence analysis
- Support for active case management
Target Users: Internal claims management team
At a Glance
- Founded
- 2015
- Headquarters
- Aubière, Clermont-Ferrand, France
- Employees
- 1-10
- Funding
- Seed
Category & Focus
- Category
- Claims Technology
- Subcategories
- Claims Management Direct Recourse Accident Advocacy
- Insurance Verticals
- P&C Personal
- Target Customers
- Consumers
Customers
- Individual French auto accident victims (B2C)
Links
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Last updated: 2026-07-12