Best insurance referral programmes 2026: comparison of the top 6 offers
Insurance referral programmes live in the shadow of bank referral programmes, which is a shame. The amounts are more modest, admittedly, but activation is often much simpler: there is no minimum transfer and no series of ten transactions to complete; in general, the referred customer simply needs to take out a policy. The other advantage is the natural timing: people change insurer at the right moment (renewal, moving home, buying a vehicle), and the reward arrives almost like a bonus. This comparison was updated on 12 August 2026 for Direct Assurance; the other entries still need to be confirmed on the official pages before taking out a policy.
All verified referral codes, ranked by amount and category:
View all offers →Why these programmes are worth a look
In insurance, loyalty owes a lot to inertia. Many French people stay with their insurer out of habit rather than conviction, even when a competitor offers something better. This is exactly where referrals come in: you recommend an insurer you know, your referred customer receives a benefit when taking out a policy, and you receive a reward. The major difference from banking is the simplicity of activation: taking out a policy is a natural action, not an exercise in arranging strategic transfers.
The ranking at a glance
| Insurer | Type | Referrer reward | Referred customer reward | Difficulty |
|---|---|---|---|---|
| Alan | Health | 1 month free | 1 month free | Easy |
| Direct Assurance | Car/Home | €50 | €50 | Easy |
| MAIF | Car/Home | Up to €40 | Up to €40 | Easy |
| AXA | General insurance | Up to €50 as a gift voucher | Variable | Easy |
| Wilov | Usage-based car insurance | Driving credits | Variable | Easy |
| Luko | Home | 1 month free | 1 month free | To be checked |
Alan: the proportional health insurance referral programme
Alan, a French digital health insurer founded in 2016, works on the principle of a free month: one month of premiums free for the referrer and another for the referred customer. The key point is that the actual value depends on your monthly premium. A premium of €80/month means a benefit of €80; at €150/month, it means €150. Its generosity is therefore proportional to your level of cover, which benefits premium policyholders.
In terms of use, Alan stands out for its very well-designed app: reimbursements within a few hours, a digital third-party payment card and real-time tracking. Activation takes place as soon as the referred customer takes out a policy, with no complex conditions.
Direct Assurance: the €50 / €50 symmetry
Direct Assurance offers one of the clearest programmes on the market: €50 reimbursed to the referrer and €50 reimbursed to the referred customer when they take out a car or home insurance policy using the code DIRECTPARRAIN. This symmetry makes for an honest sales pitch: ‘we both get €50’ requires no explanation.
As a subsidiary of the AXA group, it is one of the pioneers of online insurance in France, which reassures referred customers who are wary of digital insurers. The terms remain simple: a new customer, a quote using the code DIRECTPARRAIN and the referrer's policy number, followed by taking out the policy within 60 days. Details are available in the Direct Assurance guide.
MAIF: the mutual insurer's reward of up to €40
A co-operative mutual insurer founded in 1934, long associated with the education sector and now open to everyone, MAIF offers up to €40 to each party when a car or home insurance policy is taken out. Its real strength is not the amount but its reputation: mutualist values, one of the highest customer retention rates on the market and recognised customer service. Recommending MAIF means recommending an institution respected by many French people. The exact terms (eligible policies and time limits) must be confirmed on maif.fr. Details are available in the MAIF guide.
AXA: the highest referrer reward
The world's largest insurer, AXA covers all segments (car, home, health, life and protection insurance) and offers the referrer up to €50 as a gift voucher, the highest referrer reward in the ranking. The trade-off is its mid-range to premium pricing, so it is not the cheapest option. Note that the reward is provided as a gift voucher rather than a bank transfer: check the participating retailers and the voucher's validity before mentioning it to your referred customer. Details are available in the AXA guide.
Wilov: usage-based car insurance
Wilov is a digital car insurer positioned around ‘pay-as-you-drive’: you pay according to your mileage. Its referral reward takes the form of driving credits, whose exact amount varies and must be checked on wilov.fr. The target market is specific: occasional drivers (fewer than 8,000 to 10,000 km/year), for whom this model is often cheaper than conventional insurance charged at a flat rate. This referral offer should be reserved for people you know who drive infrequently.
Luko: check before sharing anything
Luko, a digital home insurer founded in 2018, historically offered each party one free month of insurance. However, the company has undergone notable changes, and the programme's status should be checked directly on luko.eu before mentioning it. Only communicate this offer after confirming that it is still active and establishing its terms.
Insurance or banking: two different approaches
| Criterion | Insurance referral programme | Bank referral programme |
|---|---|---|
| Amounts | Moderate (€50 or 1 month for the offers cited) | High (€80 to €280) |
| Activation | Simple (taking out a policy is sufficient) | Complex (transfers, transactions) |
| Frequency of opportunities | Low (people rarely switch) | Moderate (several accounts possible) |
| Payment time | 1 to 2 months (cancellation period) | 1 to 3 months |
| Form of reward | Cash, gift voucher or credit | Usually cash |
Insurance wins on simplicity of activation, while banking wins on amounts and the frequency of opportunities. The right strategy does not pit one against the other: combine them by using each insurance referral opportunity at renewal time and each bank referral opportunity when opening a useful account.
Common questions
Can it be combined with a bank referral offer? Yes, without any restriction. These are independent programmes run by different companies. Nothing prevents you from referring people to Alan and BoursoBank at the same time.
Is the reward always paid in cash? No, and this is something to check before promising anything. AXA may provide a gift voucher, Alan and Luko tend to offer a free month of premiums, and Direct Assurance advertises a €50 reimbursement.
How many people can you refer? Most programmes do not set an explicit limit, but some impose an annual cap. The general terms of each insurer provide the relevant details.
Check before acting: Direct Assurance was checked again on 12/08/2026. The other insurance amounts may change at any time and must be confirmed on the official websites before taking out a policy. PlanParrainPromo.fr is not a partner of any insurer cited, and this comparison does not constitute insurance advice.
In summary
Often overlooked in favour of the eye-catching amounts offered by banks, insurance referral programmes are valuable above all for their simple activation and should be used at renewal time. AXA is the most generous for the referrer, Alan the cleverest option for health insurance policyholders thanks to its proportional approach, and Direct Assurance the benchmark for car insurance thanks to its symmetry and stability. Combine them with bank referral programmes to maximise your annual total.
See also
All verified referral codes, ranked by amount and category:
View all offers →Related guides
PlanParrainPromo.fr is not an official partner of any brand mentioned. Amounts and conditions change, so always check the current offer on the brand's official website before signing up.