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Message us on WhatsApp in any language, or send an email. Just tell us what you need.
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Insurers compared, fully independently
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Independent broker, no commitment
A few of the insurers we work with 
How it works
Four simple steps, and no French required.
We compare the market
We look at more than 30 French insurers to find the cover that fits your situation and your budget.
You get a clear quote
We send you a personalized quote and explain it in your language, with no jargon.
You are covered
We handle the paperwork and stay available for any question, before and after you sign.
The insurance we can arrange for you
01 / 04
Home insurance
Multi-risk cover for tenants, owners and second homes. Mandatory to rent.
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Health top-up (mutuelle)
Individual and family plans that cover what the French system does not.
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Car insurance
Third-party or comprehensive, even with a foreign driving licence.
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Loan insurance
Lower the total cost of your mortgage by switching your borrower insurance.
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Income protection
Keep an income in case of sick leave, disability or death.
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Liability insurance
Covers the damage you or your activity may cause to others.
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For foreigners and expats living in France
New in France? We take care of the French side
Moving to a new country is already a lot. We remove the insurance headache so you can focus on your new life.
- No French needed: we handle everything in writing, in your language.
- We explain the French system clearly: what is mandatory, what is optional, and what really protects you.
- We work with your situation, even if you do not yet have a French bank account or a social security number.
- One single contact for all your needs: home, health, car, liability and more.
Why go through Atmo Assurances
- Independent broker: we work for you, not for a single insurer.
- More than 30 French insurers compared without commercial bias.
- Free for you: we are paid by the insurer, not by you.
- We speak English and French, and we reply to you in your language on WhatsApp.
Write to us in your language
You can message us on WhatsApp in any language. Our team replies in writing, in your language, with our translators. No phone call needed, and no French required.
Frequently asked questions
Do I need insurance to rent an apartment in France?
Yes. Home insurance is mandatory for tenants in France. Your landlord will ask for a certificate before handing over the keys.
Can I get insurance if I just arrived and do not speak French?
Yes. Write to us on WhatsApp in your language. We handle everything in writing and reply in your language.
How much does your service cost?
Nothing. As a broker, we are paid by the insurance company, so our advice and comparison are free for you.
Can I get health cover before I have a French social security number?
Yes. We can arrange private or international health cover while you wait for the French system, and adjust it later if needed.
Which insurers do you work with?
More than 30 French insurers. We are independent, so we recommend the one that fits you, not the one that pays us the most.