# Lovys > All\-in\-one digital insurance, without the paperwork ## At a glance | Field | Value | | --- | --- | | Type | MGA | | Region | EMEA | | Headquarters | Paris, France | | Founded | 2017 | | Employees | 11-50 | ## Overview Lovys is a personal lines digital MGA operating in France, Spain, and Portugal, offering home, auto, pet, smartphone, health, and borrower insurance through a mobile app and website. The company distributes insurance products on behalf of carrier partners and functions as a supervised insurance intermediary under French and EU regulation. The company works with established capacity providers -- including Allianz, Generali, Wakam, and Swiss Re -- who assume the underlying risk. Lovys designs the insurance products, manages the customer relationship, and earns revenue through commissions on insurance contracts as well as fees from its B2B2C embedded insurance program. Founded in 2017 in Paris, Lovys has grown to over 40,000 policyholders as of 2024 and 50+ active B2B2C partner integrations. The company raised approximately USD 24.2M across a Seed round (EUR 3.3M, 2019), a Series A (EUR 17M, 2021), and a Crowdcube crowdfunding round (EUR 865K, 2024). In 2025, Lovys achieved break-even without additional investor funding, with monthly recurring revenue growing 44% year-over-year. ## Products & services ### Home Insurance Digital home insurance for renters and homeowners. Fully subscribable online with monthly cancellation and no long-term commitment. **Key features:** - Rental and homeowner dwelling coverage - Monthly cancellation option - App\-based claims management *Target users:* Individual consumers in France, Spain, and Portugal *Distribution:* Direct\-to\-consumer via mobile app and website ### Car Insurance Auto insurance with civil liability coverage, including scooter coverage. Policies issued and claims managed through the Lovys mobile app. **Key features:** - Civil liability coverage - Scooter coverage included - App\-based management and claims *Target users:* Individual car and scooter owners *Distribution:* Direct\-to\-consumer via mobile app and website ### Pet Insurance Veterinary and medical cost coverage for pets. **Key features:** - Veterinary visits - Medical cost reimbursement *Target users:* Individual pet owners *Distribution:* Direct\-to\-consumer via mobile app ### Smartphone Insurance Coverage for accidental damage and theft for mobile devices. **Key features:** - Accidental damage - Theft protection *Target users:* Individual consumers *Distribution:* Direct\-to\-consumer via mobile app ### Health Insurance Individual health coverage available through the platform alongside other personal lines products. *Target users:* Individual consumers *Distribution:* Direct\-to\-consumer via mobile app ### Borrower Insurance \(Assurance Emprunteur\) Loan repayment insurance offered both through the platform and through embedded B2B2C partnerships. *Target users:* Loan borrowers and financial services partners *Distribution:* Direct and via B2B2C partner integrations ### Embedded Insurance \(B2B2C\) API-based program enabling third-party platforms and businesses to embed Lovys insurance products into their customer journeys. Includes partner management dashboard and integration tools. **Key features:** - REST API for embedding insurance into partner workflows - 50\+ active partner integrations - Partner management dashboard *Target users:* Fintechs, lenders, and digital platforms *Distribution:* Partner API integrations \(Younited Credit, Floa, and others\) ## Links - Website: - Directory profile: - Linkedin: - Partners: - App store: - Google play: --- *Last updated: 2026\-06\-21*