Otherwise Insurance
Digital brokerage for auto and home insurance in France, operating as a brand of Lovys.
Overview
Otherwise is a digital insurance brokerage selling auto and home insurance to individual consumers in France, with fully online quoting, signup, and account management for policy documents, claims, and cancellations.
Otherwise launched in 2016 as France's first collaborative (peer-to-peer) insurance broker, grouping policyholders with similar profiles using behavioral analysis and machine learning to reduce overall coverage costs. It originally distributed auto, home, health, and pet insurance through a fully online subscription process.
In September 2021, Lovys, a Paris-based digital P&C insurance platform, acquired Otherwise out of French court-supervised receivership for EUR 520,000, gaining roughly 4,000 policyholders including about 2,900 pet-insurance customers. Otherwise now operates as a retail product brand of Lovys, sharing Lovys's account infrastructure (login links point to go.lovys.com), and currently distributes auto and home insurance online; pet insurance moved to the Lovys brand directly after the acquisition.
Products & Services
Auto Insurance
Online auto insurance (assurance auto) with a fully digital quote and subscription flow.
Key Features
- Quote-to-bind signup completed entirely online
- Online account portal for attestations, claims, and cancellations
Target Users: Individual consumers in France
Home Insurance
Home insurance (assurance habitation) for renters and owners, offered in three coverage tiers, from EUR 13.62/month (Essential) to EUR 20.66/month (Perfect) based on 2025 sample pricing for a 50 sqm Paris rental apartment.
Key Features
- Three coverage tiers: Essential, Balance, Perfect
- Online account portal for attestations, claims, and cancellations
Target Users: Individual consumers in France, renters and owners
At a Glance
- Founded
- 2016
- Headquarters
- Paris, France
Category & Focus
- Category
- Distribution & Sales
- Insurance Verticals
- P&C Personal
- Target Customers
- Consumers
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Last updated: 2026-08-06