MAIF referral 2026: €40 for you and your referred member - Complete guide
The MAIF referral programme is one of the most straightforward in the sector: up to €40 for you and up to €40 for the person you refer when they take out a new policy. It is symmetrical, with no tricks, and true to the company's mutual ethos. But let us be realistic: €40 will not persuade anyone to switch insurer. The deciding factor is the quote itself. Before producing your code, therefore, check that MAIF is competitive for the referred person's profile, because it is not always the cheapest option for young drivers or high-end cars.
The manually verified MAIF referral code, official link and current terms:
View the MAIF referral offer →There are two things to know about MAIF: it is a mutual insurer (there are no shareholders to remunerate, and its customers are members), and despite the name inherited from its origins serving teachers, it has long been open to everyone, with no occupational requirement. It has 3.3 million members, has existed for nearly a century and enjoys one of the best customer service reputations in the market.
What each person receives
| Referrer | Referred member | |
|---|---|---|
| Reward | Up to €40 | Up to €40 |
| Trigger | Referred person takes out a policy | MAIF policy is taken out |
| Condition | MAIF member | New member (no active MAIF policy) |
| Method and timeframe | To be confirmed at maif.fr | Paid after the cooling-off period (14 days online) |
‘Up to €40’ is a maximum: the actual amount may depend on the policy taken out or the campaign, so check maif.fr/parrainage. The referred person must also be a new member: someone who already has MAIF car insurance and adds home insurance will generally not qualify for the programme for this second policy.
Who it suits
MAIF appeals primarily to two types of people. First, families, because they can consolidate car, home, health, school insurance and savings with a single insurer. Second, people who care about ethics: the mutual structure is not a greenwashing argument, as it imposes genuinely different governance with no shareholders to serve. However, someone focused purely on price who simply wants the cheapest car insurance policy may not find it the right choice. The sensible approach is to present MAIF for what it is: a trustworthy insurer with attentive service, sometimes slightly more expensive but rarely without good reason.
Making a referral and what the referred person must do
For the referrer: retrieve your code from your member area at maif.fr/parrainage or through your branch (MAIF's physical branch network is a genuine asset for referred people who are not comfortable with fully online services). Do not oversell it: someone who understands what they are choosing becomes a satisfied member and a future referrer. Help them identify the right policy using the website's quote tools.
For the referred person: first make sure you are eligible (you must have no active MAIF policy in your name), obtain a quote at maif.fr and compare it with your current policies before switching, then take out the policy online or in a branch and enter the referrer's code at the specified stage. The €40 arrives after the statutory 14-day cooling-off period; track the credit in your member area.
How MAIF compares with the alternatives
| Insurer | Structure | Referrer | Referred member |
|---|---|---|---|
| MAIF | Mutual insurer | Up to €40 | Up to €40 |
| AXA | Limited company | €50 gift voucher | Variable |
| Direct Assurance | AXA subsidiary, 100% online | €50 | €50 |
| Alan | Digital health insurance | 1 month free | 1 month free |
AXA gives the referrer up to €50 as a gift voucher, but it is a listed company, a world away from the mutual model: the choice depends on what matters to the referred person, the amount or the values. Direct Assurance (an AXA subsidiary) displays €50/€50 on its official page, verified on 12/08/2026, and focuses on fully online car or home insurance. Alan does not operate in the same area: it provides digital supplementary health insurance and is comparable with MAIF only for mutual health insurance. In short: choose MAIF to consolidate everything with a solid insurer aligned with your values; choose Direct Assurance for online car or home insurance with €50 for each party.
Frequently asked questions
Is it only for teachers? No, it has not been for a long time. The name comes from its origins (Mutuelle d'Assurance des Instituteurs de France), but MAIF is open to everyone, with no occupational requirement.
What exactly does ‘referred member’ mean? Someone who has never had an active MAIF policy. A former or current member is not eligible.
When will the €40 arrive? After the statutory cooling-off period (14 days for an online purchase), then according to the programme's terms. Details are available at maif.fr/parrainage.
Check before taking action: amounts checked on 23/04/2026 and subject to change at any time. Current conditions are available at maif.fr/parrainage. PlanParrainPromo.fr is not a MAIF partner.
In brief
An honest, symmetrical programme (€40 each) from a solid mutual insurer that is open to everyone. But the referral reward is only the icing on the cake: recommend it only after checking that the MAIF quote is suitable for the referred person's profile, otherwise the €40 will not be enough. The current offer is available on the PlanParrainPromo MAIF page.
See also
The manually verified MAIF referral code, official link and current terms:
View the MAIF referral offer →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.