Direct Assurance referral: €50 for the referrer and €50 for the referred friend (2026)

Direct Assurance is one of the pioneers of online insurance in France. Founded in 1992, it is a subsidiary of the AXA group. It was one of the first companies to sell policies without physical branches, initially by telephone and then entirely online. The conditions below were checked on the official programme page on 12 August 2026.

What each person receives

Three details matter. The referred friend must be a new Direct Assurance customer. The quote must include the code DIRECTPARRAIN and the referrer's policy number, and the policy must then be taken out within 60 days of the quote. Finally, the referrer's reward is capped at €500 including tax per year, or at their annual premium if it is below €500 including tax.

The trap to avoid: confusing a reward with a good deal

Here is the point that must be made honestly. €50 is useful, but it remains secondary to the annual cost of car or home insurance. On its own, it is not a reason to switch insurers. The sensible approach for the referred friend is to compare the Direct Assurance quote with their current policy first. If the cover is equivalent and the price is lower, taking out the policy makes sound financial sense, and the €50 is simply a bonus. But if you switch solely for the reward, you may end up paying more over the year than you received as a one-off benefit. The referral reward is the icing, not the cake.

Direct Assurance can indeed be competitive depending on the customer profile, thanks to its online positioning, quick quotes, choice of cover and membership of the AXA group. For a driver or household already convinced by the quote, the referral programme makes perfect sense.

For the referrer: what to do

Log in to your Direct Assurance customer area and retrieve your policy number. The public code to use is DIRECTPARRAIN: combining this code with your policy number allows the referral to be attributed correctly.

Timing is crucial here too. An insurance referral works when the person you contact has an imminent need: a new car, a policy renewal, a house move or a search for a cheaper offer. Someone whose policy expires in two months is a much better prospect than a relative who has just renewed. When sharing the offer, add a reassuring note: many people know the Direct Assurance name without realising that it is a subsidiary of the AXA group. This detail removes doubts about its financial strength.

For the referred friend: taking out a policy with the code

Everything takes place online at direct-assurance.fr, through the link received or by entering the code while obtaining a quote. For car insurance, the company will ask for information about the vehicle, your driver profile and the level of cover. For home insurance, it will ask for the property's characteristics and the cover required.

Enter the code at the specified step and check that it has been included in the summary. Before completing the application, compare the quote with your current policy: car insurance is a competitive market, so a quick check is always worthwhile. All that remains is to provide the supporting documents (the information statement from your previous insurer and the vehicle registration document), sign electronically and pay the first premium. The policy is then active.

Direct Assurance compared with the alternatives

AXA, the parent company, is more generous to the referrer (€50 as a gift voucher), but has different conditions and focuses more on support through branches or multi-risk policies. If your referred friend prefers personal contact to a 100% online service, AXA may be more suitable. MAIF, an independent mutual insurer with cooperative values, offers the referrer up to €40 and appeals to people who value social commitment. Finally, Luko does not operate in the same market: it provides home insurance, not car insurance, so a referred friend could combine both referral offers independently.

Frequently asked questions

Does the referral programme only cover car insurance? No. The official page checked on 12 August 2026 presents the offer as a car and home insurance referral programme.

How is the €50 received? Direct Assurance describes it as €50 refunded to the referrer and €50 refunded to the referred friend, with a maximum timeframe of two months.

How many people can I refer? The official cap is €500 including tax per year, or the annual premium if it is below €500 including tax.

Check before taking action: amount and conditions checked on 12/08/2026 and subject to change at any time. Confirm the terms on the official Direct Assurance website before taking any action. PlanParrainPromo.fr is not a Direct Assurance partner.

In summary

Direct Assurance offers one of the simplest insurance referral programmes on the market: symmetrical, clear and low-friction. If you are a customer and people close to you are renewing their car or home insurance, sharing your code puts €50 in each person's pocket, provided the quote is as competitive as the referral programme is straightforward. Find the latest conditions on the Direct Assurance referral code page, with verified conditions and link.

See also

• AXA referral programme 2026: up to €50 as a gift voucher
• Best insurance referral programmes 2026: comparison of 6 offers
• Trade Republic referral programme 2026: a free share to start investing