Updated September 28, 2026 · AssureCue Editorial Team
Groupama MRH vs Square One Insurance
Where Groupama MRH and Square One Insurance differ
| Compare |  Groupama MRH |  Square One Insurance |
|---|---|---|
| Premium from | €12.90 | CA$15 |
| Insurance types | Auto, Home, Landlord, Life, Health, Dental, Pet, Motorcycle, Gadget, Home emergency, Travel | Home, Renters, Auto |
| Provider type | Insurer | Broker |
| Claims channels | Online, Mobile app, Phone, Agency | Online, Phone, App |
| Excess from | €174 to €354 | Not confirmed |
| 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 | Not confirmed |
| Age range | Reduced student tariff for tenants under 26 (2 rooms maximum) | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- Groupama MRH scores higher overall: 9.3 vs 8.9.
- Founded is lower at Groupama MRH: 1900 vs 2011.
- Insurance types: only Groupama MRH offers Landlord, Life, Health.
- Insurance types: only Square One Insurance offers Renters.
- Claims channels: only Groupama MRH offers Mobile app, Agency.
- Claims channels: only Square One Insurance offers App.
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.
Square One Insurance
Square One Insurance is a Canadian broker rather than an underwriter, which suits you if you want home, renters and auto cover placed on monthly payments. Premiums start at CAD 15, claims run through online, phone and app, and its overall score is 4.4.
Score breakdown
| Area | Groupama MRH | Square One Insurance |
|---|---|---|
| Cost | 8.8Claim excess runs €174 to €354, and the starting premium sits above the site median of €8.37. | 9.0HigherSquare One's starting premium of CAD 15 is above the site's median starting premium, €8.37. |
| Offer | 9.6Higher | 9.0 |
| Trust | 9.7Higher | 8.7 |
How they place
| Ranking | Groupama MRH | Square One Insurance |
|---|---|---|
| Car insurance | 90 of 375 | 226 of 375 |
| Home insurance | 73 of 273 | 207 of 273 |
Sources behind this comparison
Groupama MRH
- groupama.fr: 12 facts, checked September 26, 2026
- fr.wikipedia.org: 2 facts, checked September 26, 2026
Square One Insurance
- squareone.ca: 10 facts, checked September 26, 2026
Every fact side by side
| Fact | Groupama MRH | Square One Insurance |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | Assurances Mutuelles Agricoles Groupama | Square One Insurance Services |
| Headquarters | France | Canada |
| Founded | 1900Lower | 2011 |
| Support channels | Phone, Chat, Help centre | Chat, Phone, Help centre |
Where each stands against the rest
| Fact | Groupama MRH | Square One Insurance | Median |
|---|---|---|---|
| Excess from | €174 to €354above the median | Not confirmed | €50 |
Median across 71 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.
Square One Insurance
Pros
- A single broker places home, renters and auto cover, so home, renters and auto policies come through one point of contact.
- Monthly payments are available and the payment model is monthly.
- Claims can be opened online, phone and app, so a loss is reported online, by phone or in the app.
Cons
- Square One's starting premium of CAD 15 is higher than the site's median starting premium, €8.37.
- Support runs on chat, phone and help centre, with no email route in that list.
- As a broker, broker, Square One does not carry the risk itself, so an underwriter sits behind the policy.
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.
Square One Insurance
Who it suits
- Canadian homeowners and renters who want home, renters and auto arranged by a single broker rather than a wider agency such as Good Sam Insurance Agency.
- Households that want claims handled online, by phone or in the app, since claims run through online, phone and app.
- Buyers who like a published starting premium, CAD 15, alongside a long trading record, trading since 2011.
Who should look elsewhere
- Good Sam Insurance Agency, if you want life, health, travel, pet or motorcycle cover, since Square One lists home, renters and auto only.
- EuroAsia Insurance, listed from UZS 60,000, if you are weighing a far higher starting premium.
- bunq, listed at €0, if the lowest published starting figure matters more than home, renters and auto cover.
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
Bonus
Up to EUR 250 off on Groupama Sante Active, Groupama Sante Active Senior or Groupama Sante: EUR 200 (page banner: up to EUR 250)
Contract of at least 1 year, minimum annual premium EUR 200 incl. tax, plus a second contract in the same period; 7 September to 17 October 2026; not combinable with other advantages
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
Square One Insurance
Current offer
Discount code
Save up to 7.5% on car insurance when you also buy home insurance: up to 7.5% off car insurance
Bundle discount; start a home quote then complete a car quote; car insurance available in Ontario and Quebec
Source, checked September 26, 2026
Country by country
| Country | Groupama MRH | Square One Insurance |
|---|---|---|
| Canada | No | Yes |
| France | Yes | No |
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.
Square One Insurance
What is the starting premium at Square One Insurance?+
Square One lists premiums from CAD 15, and monthly payments are available on its policies. The median starting premium across the site is €8.37, so Square One sits in the middle of the field on entry price rather than among the cheapest listings.
Is Square One an insurer or a broker?+
Square One is a broker, broker. That means it places your policy with an underwriter, so the cover sits with the insurer while the broker handles the sale. The Autorite des marches financiers registration is listed as 3002172755.