Direct Assurance Referral
€50 refunded to the referrer and €50 to the referee per policy, capped at €500 incl. tax per year
The Direct Assurance referral programme refunds €50 to the referrer and €50 to the referee per car or home policy taken out with the DIRECTPARRAIN code, capped at €500 incl. tax per year. The refund arrives within 2 months at the latest. The quote must be created with the code and the referrer's policy number, and the policy taken out within 60 days of the quote. Direct Assurance is an AXA subsidiary, 100% online since 1992, pioneer of direct car insurance in France. Competitive prices, sign up in 5 minutes without an agent.
Who it's for and when
Direct Assurance is ideal for drivers wanting competitive car insurance without going through an agent. 100% online sign-up is fast (5 min) and prices are among the cheapest with AXA's backing. The referral scheme refunds €50 on each side, capped at €500 a year.
How to get it, step by step
- Get the referrer's policy number and use the public code DIRECTPARRAIN
- Create a quote for a standard car or home policy with the code and policy number
- Take out the policy within 60 days after the quote was created
- The referrer and referee each receive €50 within 2 months at the latest, subject to the annual cap
Our analysis
Direct Assurance is AXA's 100% digital subsidiary, allowing very competitive prices (lower overhead than branch networks). Contract management, claims reporting and follow-up are all handled online or by phone. Direct Assurance uses AXA's approved repairer network. The referral scheme refunds €50 to each side per policy, capped at €500 incl. tax per year.
Strengths
- €50 refunded to each side, with a clear annual cap of €500 incl. tax
- AXA subsidiary - financial strength and approved repairer network
- 100% online sign-up in 5 minutes
- Competitive prices with no agency fees
Things to watch
- No physical branch - everything online or by phone
- Offer limited to standard car or home policies, excluding health insurance
Frequently asked questions
Is Direct Assurance reliable?
Yes. Direct Assurance is an AXA subsidiary, the world's largest insurer. It is authorised by the ACPR and backed by the financial strength of the AXA group.
How does the Direct Assurance referral work?
The referee's quote must be created with the DIRECTPARRAIN code and your policy number, then the policy taken out within 60 days. You each receive €50, refunded within 2 months.
Who can refer someone at Direct Assurance?
The referrer must hold a current Direct Assurance policy. They give the referee their policy number, to be used with the public DIRECTPARRAIN code during the quote. A former customer whose policy has ended is not eligible.
Which Direct Assurance policies qualify for the referral?
The current programme covers standard car or home policies. The quote must contain the DIRECTPARRAIN code and the referrer's policy number before signature; a policy taken out without them cannot be attached later.
When is the Direct Assurance referral bonus paid?
The refund is made within 2 months after the eligible policy is taken out. An accepted quote is not enough: the policy must actually be taken out within 60 days after the quote was created.
Direct Assurance and AXA: is it the same referral programme?
No. Direct Assurance is AXA's fully online subsidiary, but each brand runs its own programme with its own conditions. You follow the programme of the entity where the policy is actually taken out, without transposing one set of conditions onto the other.
When should you enter the DIRECTPARRAIN code and the referrer's number?
During creation of the quote, before taking out the policy. The quote must contain the DIRECTPARRAIN code and the referrer's policy number, and the policy must then be taken out within 60 days. These details cannot be added afterwards.
Does the referral work if the referee is already a Direct Assurance customer?
No. The programme targets a new policy, not the renewal of an existing one. Someone already insured with Direct Assurance is therefore outside the referral, including when adding a second vehicle. This is worth checking before sharing the link.
Which promo code is used for the Direct Assurance referral?
The public code is DIRECTPARRAIN. It is not sufficient on its own: the quote must also contain the referrer's policy number, obtained from the Direct Assurance customer referring you.
Does Direct Assurance have branches to follow up a referral?
No, the insurer operates without physical branches: subscription, policy management and referral tracking all happen online or by phone. That is what allows lower premiums, and it is also the trade-off to accept before recommending the brand to someone.
Offer verified on 2026-08-28
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Decision tools
Complete Direct Assurance referral guide: requirements, timing and pitfalls