At your side, wherever you are and when you need it!

By your side, wherever you are, whenever you need it!

For the management of your contract as well as in the event of an accident, our app is there to be of service to you. Subscription and modification of contract, online payment but also access to emergency services, declaration and monitoring of car claims, pre-declaration of home claims, offers such as sponsorship or Les Mois Directs but also DIRECT ADVANTAGES: all your insurance is actually in your smartphone.

- Supporting documents in just a few clicks

On the app, it's very easy to send the essential documents to complete your car and home insurance file. Simply photograph them and sign electronically.

Then, the monitoring service allows you to have a personalized view of the progress of your file.

- Monitoring, modification and payment of your contract

Are you changing your address? You can modify your contract directly in the app. If you wish to pay your contribution, that is also possible!

- Sponsorship from the app, the more you talk about it, the more you earn: let your referrals benefit from good sponsorship deals.

- With Les Mois Directs, for 2, 3, 4 contracts subscribed, 2, 3, 4 months reimbursed on the most expensive contract!

- Always more good deals with DIRECT ADVANTAGES, the program that lowers prices and increases your purchasing power!

- Need a certificate?

Receive in just a few clicks an insurance certificate in PDF format that you can transmit quickly to simplify your procedures.

- Amicable Auto Report Advisory Service

A collision without injuries? So as not to forget anything in your amicable report, find our advice in your app and if necessary we will help you by telephone to complete it on site.

- Troubleshooting by geolocation

Is your car immobilized? All you have to do is activate the geolocation of your smartphone and call our Assistance to be repaired within the hour.

- Declaration and follow-up of auto claims

In the event of a claim, report it directly on the app. Pre-filling the sections makes your declaration easier. You can then follow your file step by step (expertise, repair, settlement). Of course, you can be called back if necessary.

- Home disaster declaration

Report your claim, our advisors will call you back to take stock if necessary.

- Our advisors are at your service 6 days a week

Need information? Our advisors are there to answer you.

We are already working on many new features to further enrich our app and make your life easier. Work in progress!

Direct Assurance, creator and leader in direct insurance, offers solutions for auto insurance, home insurance, health insurance, motorcycle insurance and Legal Protection.

Direct Assurance is a company of the AXA Group, one of the world leaders in the sector.

What's New in the Latest Version 6.1

Last updated on Apr 19, 2024

Minor bug fixes and improvements. Install or update to the newest version to check it out!

Direct Assurance, a captivating and thought-provoking board game, transports players to a realm of strategic decision-making and risk management. The game's core mechanics revolve around managing a portfolio of insurance policies, each representing a specific risk or event. Players assume the role of insurance companies, competing to build the most financially secure and diversified portfolio while mitigating potential losses.

Gameplay Mechanics:

Direct Assurance unfolds over multiple rounds, each representing a year in the game world. During each round, players engage in a sequence of actions:

1. Policy Acquisition: Players can purchase insurance policies from a central market, selecting from a range of risks, such as property damage, liability, or health issues. Each policy has a specific premium and coverage limit.

2. Claims Resolution: Events occur randomly throughout the game, triggering claims on policies. Players must pay out claims to policyholders from their available funds.

3. Reinsurance: To mitigate risk, players can purchase reinsurance from other players. Reinsurance allows players to share the financial burden of large claims, reducing their exposure to catastrophic losses.

4. Investments: Players can invest their excess funds in a variety of financial instruments, such as stocks, bonds, or real estate. Investments provide potential returns but also carry varying levels of risk.

5. Financial Management: Players must carefully manage their finances, balancing premium income, claim payouts, reinsurance costs, and investment returns. The goal is to maintain a strong financial position and avoid bankruptcy.

Winning Conditions:

The game ends when a predetermined number of rounds have been completed or when one player goes bankrupt. The player with the highest net worth, which represents the combined value of their portfolio and investments, wins the game.

Strategy and Risk Management:

Direct Assurance places a heavy emphasis on strategic planning and risk management. Players must carefully assess the risks associated with each policy they acquire and develop a balanced portfolio that mitigates potential losses. Understanding the probabilities of different events and the financial impact of claims is crucial for success.

Reinsurance:

Reinsurance is a key aspect of Direct Assurance. By sharing the risk of large claims with other players, players can reduce their own exposure and improve their financial stability. However, reinsurance also comes with costs, so players must carefully consider the benefits and drawbacks of reinsurance contracts.

Investment Strategy:

Investments can provide players with additional sources of income and potential growth. However, investments also carry varying levels of risk. Players must carefully evaluate the potential returns and risks of different investment options and allocate their funds accordingly.

Conclusion:

Direct Assurance is a challenging and rewarding game that requires strategic thinking, risk management, and financial acumen. Players must carefully assess the risks and rewards of different insurance policies, reinsurance contracts, and investment options to build a financially secure and diversified portfolio. The game provides a realistic and engaging simulation of the insurance industry, offering players a unique opportunity to experience the complexities of risk management and financial decision-making.