Innovation intelligence brief

Fluo

FrancePure InsurTech

Start-up

The application that simplifies the insurance: more transparent , more accessible and easy to understand.

What became of it

2026 evolution

Reviewed · Medium confidence · Last verified 2026-10-17

Status: Unclear
Current brand: Fluo ↗
Owner: Fluo (founder Jehan de Castet; Crédit Mutuel Arkéa as investor since 2017)

As catalogued

A French app that aggregated a consumer's insurance contracts in one place and explained them, aiming to make insurance more transparent and to optimise coverage as an all-in-one insurance manager.

2026 reality

fluo.com, operated by JIVAI SAS (Paris, RCS 795 201 748, ORIAS 14001576 as insurance intermediary), sells mortgage-loan insurance substitution online, claiming premiums 30-50% below bank group contracts and a two-minute online simulation. The footer shows (c) 2023. The multi-policy manager app is no longer presented.

What changed

Founded by Jehan de Castet (co-founder of LesFurets.com), Fluo raised EUR 1 million in 2015 and about EUR 2 million from Crédit Mutuel Arkéa in 2017 (founders remained majority shareholders), then covering travel, winter sports, car, home and health and planning to add borrower insurance. In 2018 its borrower-insurance switching service was integrated into the Bankin' app. By 2026 the website presents only mortgage-loan insurance substitution; the multi-policy manager app is no longer offered.

Why it changedAnalysis

borrower-insurance substitution, opened up by French loan-insurance switching rules, is a commission-bearing niche with clear consumer savings, whereas free multi-policy manager apps are hard to monetise; this rationale is inferred, not stated by the company.

What remains distinctiveAnalysis

one of many French online borrower-insurance distributors; limited distinctiveness.

Key milestones

2015 Raised a first round of EUR 1 million from its founders and the Evolem fund.[3]
2017 Raised about EUR 2 million from Crédit Mutuel Arkéa, which took a stake; funds partly earmarked to extend into borrower and protection insurance.[2][3]
2018-06 Borrower-insurance switching service integrated into the Bankin' personal finance app.[4]

Third taxonomy

InsurTech Evolution (2026)

Company status: Unclear
Strategic evolutionchange: Fundamentally pivoted
Business model (2026): B2C direct
Insurance value chain: Distribution & sales
Technology evolution: Digital channel
Market positioning: Broker / agent
Innovation maturity: Established
Current relevance: Limited

Explore the 2026 taxonomy →

Open questions

Corporate status not established: founders were majority shareholders after the 2017 Arkéa round, but no ownership news after 2018 was found. Founder Jehan de Castet is also associated with borrower-insurance brand Omeros (broker TechFin), whose relationship to Fluo is unknown.
Which carrier underwrites the borrower-insurance contracts was not confirmed; the legal notice lists Fluo as an ORIAS-registered intermediary paid by insurers.
The (c) 2023 footer may mean the site is not actively maintained; 'established' maturity is uncertain.

REVIEW · Verified the live borrower-insurance offer and legal entity (JIVAI SAS, ORIAS-registered intermediary) via fluo.com and the 2017 funding via Moneyvox (founders kept a majority); company-status stays unclear for lack of post-2018 ownership evidence.

Research sources (5)

[1] Fluo - assurance de prêt immobilier · Fluo · 2023 · official
[2] Insurtech: Fluo attire Crédit Mutuel Arkéa à son capital, qui investit 2 millions d'euros · FrenchWeb · 2017 · press
[3] Assurances: Crédit Mutuel Arkéa investit 2 millions d'euros dans Fluo · Moneyvox · 2017 · press
[4] Fluo annonce son partenariat avec Bankin' · Maddyness · 2018-06-29 · press
[5] Mentions légales · Fluo (JIVAI SAS) · 2026 · official

Documented evidence

Evidence gallery

3 ASSETS

Verify if you are well insured by your current contracts
Homepage 2019
Homepage 2019

Research interpretation

Taxonomy position

Classification paths, as catalogued, connect this example to the original insurance digitalization research models.

Value Chain (2016)

Customer Relationship › Providing customer portals › Aggregated across insurances
Sales & Distribution › Acting as novel digital broker › All-in-one insurance manager

Value Network (2017)

Customer Network Promotion › TC11 Distributing insurance digitally › Mobile distribution
Customer Network Promotion › TC13 Acting as digital broker › All-in-one insurance manager
Digital Infrastructure Operations › TC1 Establishing digital service provisioning and distribution infrastructure › Digital transactions and processing
Digital Infrastructure Operations › TC1 Establishing digital service provisioning and distribution infrastructure › Mobile app portal
Digital Service Provisioning › TC4 Offering services digitally › Digital conversations
Digital Service Provisioning › TC4 Offering services digitally › Digital policy administration and adjustments
Digital Service Provisioning › TC6 Integrating insurance with related services › Aggregating service provisioning across insurers or insurance products and services
Insurance Service Development › TC7 Developing services that fulfil customer needs › All-in-one allround-care
Insurance Service Development › TC7 Developing services that fulfil customer needs › Simple convenient product

Explore the complete taxonomy →