Overview

Family-owned insurance group founded in 1935 in Dusseldorf by Heinrich Fassler, specializing exclusively in legal expenses insurance and present in more than 19 countries. ARAG offers insurance solutions covering lawyer, expert and court fees for individuals and professionals facing disputes across many areas of everyday and professional life. As an independent insurer with no ties to other insurance lines, ARAG guarantees the absence of conflicts of interest when handling cases. The group employs more than 5,000 people worldwide and generated premium income and revenue of over EUR 2.37 billion in 2023. In France, distribution is carried out through insurance brokers. The Faßbender family has owned the group for three generations, ensuring continuity of governance that is rare in the insurance sector. Founded in 1935, present in more than 19 countries, over 5,000 employees, revenue and premiums of more than EUR 2.37 billion in 2023, family-owned group held by the Fassbender family for three generations, distribution in France via licensed brokers

More than 90 years of experience in legal expenses insurance, founded in 1935

Key features

Free and unlimited telephone legal consultations included in every policy
Team of specialists made up of legal experts and experienced former lawyers
End-to-end coverage from amicable settlement through to litigation before the courts
Absence of conflicts of interest thanks to independent insurer status, with no ties to other insurance lines
Exclusive distribution through insurance brokers, ensuring personalized advice
Coverage of lawyer, bailiff, expert and court fees within the limits of the policy
Amicable resolution systematically favored before any legal proceedings

Pricing

See website 107 EUR Explore the offer

Who is it for?

Individuals and families looking to protect themselves against everyday disputesOwners, tenants and co-owners facing property disputesEntrepreneurs, micro-businesses and SMEs needing professional legal coverageMedical and paramedical professionals (doctors, nurses, physiotherapists)Drivers and road users wanting protection in the event of a dispute

Similar alternatives

InsuranceInsurtech

CFDP Assurances

The only independent player in the French legal protection insurance market

The only independent player in the French legal protection insurance market, founded in May 1945. CFDP Assurances operates a dense territorial network with 29 offices spread across the entire country and employs 239 staff. The company combines innovative digital tools integrating artificial intelligence and blockchain with hands-on human expertise to support professionals, public bodies, individuals and associations in preventing and resolving their disputes. Distributed primarily through a network of 2,500 partner brokers, CFDP claims a 75% amicable resolution rate for the disputes it handles, favoring mediation over court litigation. It is also a founding member of the Fondation Entrepreneurs de la Cite, recognized as a public-interest foundation since 2008, a testament to its long-standing social commitment. Revenue of EUR 85.1M in 2024 (+7.1%), net income of EUR 9.6M (+12.9%), 32,600 claims files handled in 2024 (+7%), 40,000 legal information requests processed, 239 staff, 2,500 partner brokers, 75% of disputes resolved amicably, 80% of business conducted with professionals. Founded in May 1945, with 80 years of history.

1945 France (29 regional offices)

ADELIA legal AI assistant available around the clock 24/7, combining AI with human expertise
Certification of digital evidence through tamper-proof blockchain timestamping and archiving
Sending of digital registered letters from the platform with no need to travel

View profile

InsuranceReal estate

Cautioneo

Online rental guarantee service founded in 2018 in Lille by Julien Chenet and David Edery

Online rental guarantee service founded in 2018 in Lille by Julien Chenet and David Edery, incubated at Euratechnologies. Cautioneo acts as an institutional guarantor for tenants who lack a personal guarantor or who find themselves in so-called atypical situations (relocation, new job, fixed-term contract, self-employed), making it easier for them to access housing. At the same time, the platform secures the landlord's income by covering unpaid rent with no waiting period or deductible, along with property damage and any legal costs. Cautioneo has also developed Lokeo, a property listings platform reserved for tenants eligible for its guarantee, and benefits from a partnership with the Fondation d'Aguesseau to subsidize the premium for staff of the French Ministry of Justice. Raised EUR 350,000 in seed funding from Founders Future and Kima Ventures in 2018. Over 1,500 verified reviews with a rating of 4.6/5. Coverage of up to EUR 96,000 in unpaid rent per lease. Incubated at Euratechnologies in Lille.

2018 Lille, France

Guarantee application processed and approved within 24 hours
Fully online subscription with no physical paperwork
No waiting period or deductible in the event of unpaid rent

View profile

InsuranceInsurtech

Flitter

Neo-insurer for car coverage founded in 2022 in Neuilly-sur-Seine

Neo-insurer for car coverage founded in 2022 in Neuilly-sur-Seine, registered with ORIAS under number 20009437, offering pay-per-mile car insurance where the premium is calculated based on the number of kilometers actually driven. Flitter targets low-mileage drivers (under 10,000 km per year) with average annual savings of 250 euros, reaching up to 450 euros depending on the profile. The experience is fully digital, from a 3-minute sign-up to filing a claim via the mobile app, with odometer readings submitted by a simple photo. The neo-insurer relies on partnerships with leading insurers (Wakam, MunichRe, Groupama) and a network of 2,400 partner garages across France. In two years of operation, Flitter has won over more than 50,000 customers thanks to an ultra-flexible, 100% online offer, with rates starting at 8 euros per month depending on the chosen mileage plan. Founded in 2022, more than 50,000 customers, rated 4.6/5 on Google (2,500+ reviews) and 4.4/5 on Trustpilot, 2,400 partner garages, average savings of 250 EUR/year, registered ORIAS no. 20009437

2022 Neuilly-sur-Seine (14 Rue Beffroy, 92200), France

3-minute fully online quote with instant sign-up
Odometer reading submitted by a simple photo via the mobile app, no device required
Claims paid out twice as fast as the market average, according to the provider

View profile