Updated September 28, 2026 · AssureCue Editorial Team
Groupama MRH vs L'olivier Assurance Habitation
Where Groupama MRH and L'olivier Assurance Habitation differ
| Compare |  Groupama MRH |  L'olivier Assurance Habitation |
|---|---|---|
| Insurance types | Auto, Home, Landlord, Life, Health, Dental, Pet, Motorcycle, Gadget, Home emergency, TravelCovers more | Auto, Home |
| Provider type | Insurer | Broker |
| Cover limit | Contents (capital mobilier) from EUR 10,627 on Protection Indispensable to EUR 60,402 on Protection Premium, which can also insure furniture with unlimited value | Driver personal accident guarantee up to EUR 100,000; EUR 1,000,000 with the Pack Securite or Pack Premium option |
| Claims channels | Online, Mobile app, Phone, Agency | Online, Phone, Email |
| Premium from | €12.90 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
| Excess from | €174 to €354 | Not confirmed |
| Age range | Reduced student tariff for tenants under 26 (2 rooms maximum) | Not confirmed |
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Key differences
- Groupama MRH scores higher overall: 9.3 vs 8.9.
- L'olivier Assurance Habitation is licensed in 1 more country.
- L'olivier Assurance Habitation is available in 1 more country.
- Insurance types: only Groupama MRH offers Landlord, Life, Health.
- Claims channels: only Groupama MRH offers Mobile app, Agency.
- Claims channels: only L'olivier Assurance Habitation offers Email.
- Support channels: only L'olivier Assurance Habitation offers Email.
Our verdict on each
Groupama MRH
Groupama MRH is a French insurer founded in 1900, with a personal book spanning motor, home, health and pet cover, and it suits households who want every policy with a single provider. Older customers in particular are the listed audience, while the catch is what a claim leaves you paying.
L'olivier Assurance Habitation
L'olivier Assurance Habitation is a French broker for readers who want car and home cover arranged through one provider, traceable under ORIAS number AJ-0213. Help runs on phone, email and chat and claims open separately on online, phone and email.
Score breakdown
| Area | Groupama MRH | L'olivier Assurance Habitation |
|---|---|---|
| Cost | 8.8Claim excess runs €174 to €354, and the starting premium sits above the site median of €8.37. | Not confirmed |
| Offer | 9.6Higher | 9.2 |
| Trust | 9.7Higher | 8.8 |
Side by side, item by item
| Insurance types | Groupama MRH | L'olivier Assurance Habitation |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Life | Yes | No |
| Health | Yes | No |
| Travel | Yes | No |
| Pet | Yes | No |
| Motorcycle | Yes | No |
| Landlord | Yes | No |
| Dental | Yes | No |
| Gadget | Yes | No |
| Home emergency | Yes | No |
What we checked
Groupama MRH
- groupama.fr: 12 facts, checked September 26, 2026
- fr.wikipedia.org: 2 facts, checked September 26, 2026
L'olivier Assurance Habitation
- lolivier.fr: 7 facts, checked September 26, 2026
How they place
| Ranking | Groupama MRH | L'olivier Assurance Habitation |
|---|---|---|
| Car insurance | 90 of 375 | 28 of 375 |
| Home insurance | 73 of 273 | 23 of 273 |
Every fact side by side
| Fact | Groupama MRH | L'olivier Assurance Habitation |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Not confirmed |
| Legal entity | Assurances Mutuelles Agricoles Groupama | ADMIRAL INTERMEDIARY SERVICES SA (AIS SA), Lille Metropole RCS 842 188 310 |
| Headquarters | France | France |
| Founded | 1900 | Not confirmed |
| Support channels | Phone, Chat, Help centre | Phone, Email, Chat, Help centreCovers more |
Where each stands against the rest
| Fact | Groupama MRH | L'olivier Assurance Habitation | Median |
|---|---|---|---|
| Premium from | €12.90above the median | Not confirmed | €6.02 |
| Excess from | €174 to €354above the median | Not confirmed | €50 |
Median across 116 listed insurance providers.
Pros and cons
Groupama MRH
Pros
- Auto, home, landlord, life, health, dental, pet, motorcycle, gadget, home emergency and travel are all on the book (auto, home and landlord), so policies can sit with the same insurer.
- Claims can be opened online, in the mobile app, by phone or in an agency (online, mobile app and phone), so help is not tied to a single channel.
- Monthly payments are available, so the premium is collected as a regular payment rather than a single sum.
Cons
- The excess on a home claim runs €174 to €354, so a small loss can cost you money.
- Support runs on phone, chat and help centre only, with no email route listed.
- Contents cover is capped on the entry home tier, and unlimited furniture value comes with the top tier alone.
L'olivier Assurance Habitation
Pros
- Car and home sit in the same auto and home set, so one broker can quote both policies.
- Support runs on phone, email and chat, which gives several ways to reach someone.
- The regulatory record is clear: ORIAS number AJ-0213 in France, plus DGSFP registration A90354911.
Cons
- Cover stops at car and home under auto and home, with no travel, health or pet line to add to the same basket.
- The driver personal accident guarantee reaches its higher level only with the Pack Securite or Pack Premium option, so the standard car quote sits at the lower benefit.
- Claims run on a narrower set than general help: online, phone and email does not carry the chat or help centre in phone, email and chat.
Who each suits
Groupama MRH
Who it suits
- Households that want home, motor, health and pet cover with a single French provider.
- Older policyholders, the audience the brand is listed for.
- Tenants who are students and can use the reduced home tariff.
Who should look elsewhere
- Price-first readers, since bunq shows a premium from €0 while Groupama MRH starts at €12.90.
- Shoppers who want a leaner book, since Good Sam Insurance Agency covers auto, home and renters and leaves landlord, dental and gadget cover to others.
L'olivier Assurance Habitation
Who it suits
- Readers in FR who want car and home cover from a French broker.
- People who like a choice of contact routes, since support runs on phone, email and chat and claims open on online, phone and email.
- Motorists willing to add the Pack Securite or Pack Premium option for the higher driver personal accident guarantee.
Who should look elsewhere
- Anyone wanting travel, health, pet or life in one place is better served by Good Sam Insurance Agency, whose auto, home and renters is far broader.
- Renters and landlords should look at Hiscox UK, whose home, renters and landlord includes renters, landlord and home emergency cover.
- Drivers wanting gadget or travel cover beside the car can check Euroasia Insurance, whose auto, home and travel adds both.
Current offers
Groupama MRH
Current offer
Bonus
EUR 50 off the first year of a Groupama Habitation policy: EUR 50
Subscribe in 2026 to two new contracts, minimum annual premium EUR 100 incl. tax; 1 January to 31 December 2026; page header shows the offer running until 30 October 2026; not combinable, see conditions in agency
Source, checked September 26, 2026
First period offer
One month free on the first year of a Groupama chien-chat policy: 1 month of premium
New subscription of a Groupama assurance chien-chat, offer valid 1 January to 31 December 2026
Source, checked September 26, 2026
L'olivier Assurance Habitation
Current offer
Bonus
Taxi Joker: one taxi ride per year: 50 EUR TTC, once per calendar year
Included with a car insurance contract
Source, checked September 26, 2026
Bonus
Locksmith costs covered up to EUR 300: Up to EUR 300 of travel, labour and spare parts
Keys of the main front door lost, stolen or broken, or door forced; proof of occupancy required
Source, checked September 26, 2026
Country by country
| Country | Groupama MRH | L'olivier Assurance Habitation |
|---|---|---|
| Spain | No | Yes |
| France | Yes | Yes |
Questions about each
Groupama MRH
How much does cover start at?+
Home cover starts at a premium from €12.90, and monthly payments are available so the cost is spread out. That entry figure sits above the site median of €8.37, and the excess on a claim runs €174 to €354, so small claims can end up costing you.
Who regulates Groupama MRH?+
It is an insurer (insurer) registered in France, supervised by ACPR, the Autorite de controle des assurances et des caisses d'epargne. Because the company carries the risk itself, a claim is paid by the insurer named on the policy rather than being passed to another provider.
L'olivier Assurance Habitation
Is L'olivier an insurer or a broker?+
L'olivier is a broker, listed as broker, so policies sit with an insurer rather than with the brand itself. The trading entity named in the legal notices is ADMIRAL INTERMEDIARY SERVICES SA, registered in Lille Metropole. Quotes therefore arrive through an intermediary rather than a single underwriting company.
What products are on the menu?+
The listed lines are auto and home, so car and home are the products on the table. Nothing in that set covers travel, health, pet or life, which narrows the choice for anyone who wants a single provider for the whole household. Good Sam Insurance Agency carries a far wider auto, home and renters if breadth matters more.