LOVYS FR review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Lovys is a French broker offering home, renters, landlord, auto, pet, gadget, health and life cover, with premiums starting at €3.99 and monthly payments on pet policies. It suits households that want several policies handled by the same broker rather than a separate firm for each line.

Key facts

Best for
Households in France wanting several policies, monthly payments and a low entry premium.
Premium from
€3.99 (Source, checked September 26, 2026)
Insurance types
Home, Renters, Landlord, Auto, Pet, Gadget, Health, Life (Source, checked September 26, 2026)
Provider type
Broker (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Excess from
€0 (Source, checked September 26, 2026)
Cover limit
Pet insurance annual limit up to 2,500 EUR per year (customisable 1,000-2,500 EUR; set formulas 1,200 / 1,500 / 2,000 EUR) (Source, checked September 26, 2026)
Claims channels
Online account, Mobile app, Email, Phone (Source, checked September 26, 2026)
Age range
Insured pet: from 2 months to 8 years (dog), to 7 years (cat) (Source, checked September 26, 2026)
Legal entity
Lovys, societe par actions simplifiee (SAS), RCS Bobigny 832 028 021 (Source, checked September 26, 2026)
Headquarters
France (Source, checked September 26, 2026)
Founded
2017 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Monthly
Official website
lovys.com

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInXinstagram.com

Pros and cons

Pros

  • Premium from €3.99 sits below the site median of €8.37 for starting price.
  • The pet excess starts at €0, so a claim does not need an upfront payment from you.
  • Monthly payments are available, and monthly shows monthly as the only payment model listed.
  • Support runs on email, chat and phone, which covers most routes to reaching help.
  • Pet claims can be filed through online account, mobile app and email, including the mobile app and phone.

Cons

  • Travel and motorcycle cover are not among home, renters and landlord, so those risks need another provider.
  • Lovys is a broker, so an insurer rather than the brand carries the risk on the policy.
  • The cover limit caps pet cover at the top of its customisable range, so a heavy veterinary year can leave part of the bill with you.
LOVYS FR

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Scored 9.1 / 10 by AssureCue.

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Who it suits

  • Families in France who want home, renters, landlord, auto, pet, gadget, health and life cover from the same broker, a spread shown in home, renters and landlord
  • Pet owners who want to claim through online account, mobile app and email and an excess that starts at €0
  • Households that prefer spreading the cost, since monthly payments are available and monthly shows monthly as the listed model

Who should look elsewhere

  • Anyone who wants travel or motorcycle cover, because Good Sam Insurance Agency lists both and they are not among home, renters and landlord
  • Readers who want an app and cover from a single banking provider, because bunq lists a premium from of €0 and sits in a different product area
  • Anyone comparing car cover in another market, because Euroasia Insurance lists a premium from of UZS 60,000 in another currency, so it reads as a benchmark rather than a substitute for French personal cover

Cover and limits

Lovys sells a broad personal range. home, renters and landlord lists home, renters, landlord, auto, pet, gadget, health and life cover, so a household can hold several policies through the same broker. Each line carries its own terms, so the shape of the cover follows the policy rather than a single template. On pets, the cover limit fact sets an annual ceiling with a customisable range and a set list of formulas. The formula you pick decides how much of a year of veterinary bills can be met, and a cheaper premium generally points to a lower formula. The age range fact sets the entry band for the insured animal, from a very young puppy or kitten to a maximum age applied separately for dogs and cats. An animal outside that band sits outside cover, which matters most for an older pet. Both are settled before you buy rather than after a claim.

Price signals

The starting price for home cover is €3.99. That is the entry point, not the typical price for a fully specified home, since the chosen options decide the final figure. On the premium from measure, Lovys sits at position 78 of 252 brands. For context, the site median for premium from is €8.37, with a lower quartile of €2.92 and an upper quartile of €29.72. The full spread runs from €0 to €3,431.08, so the top of the market sits a long way above the Lovys entry price. The other cost lever is the excess. €0 sets the starting excess, the part of a pet claim you keep, and a lower level means more comes back to you after a claim. Monthly payments are available on pet cover. Spreading the cost keeps cash flow lighter month to month at the same total.

How your money is protected

Lovys is a broker, and that shapes where your money sits. As a broker, Lovys places your policy with an insurer and acts on your behalf rather than carrying the risk itself. The premium you pay buys that insurer's cover, and the terms that protect you are the insurer's rather than Lovys's. That distinction matters for readers weighing safety of the money. The broker handles the placement and the paperwork, while the insurer remains the party that owes you the cover, so it is worth knowing which insurer sits behind the line you buy. The practical measure of standing is the licence. 18001949 records the registration number held for France, and a registered intermediary carries continuing obligations, so the number is worth checking against public records before you pay anything. The other side of safety is how quickly you get paid when something goes wrong. Pet claims can go in through online account, mobile app and email, which includes the online account, the mobile app, email and phone, so a claim does not depend on a single route being open.

Who regulates the provider

Lovys holds a French intermediary registration recorded as 18001949. That registration is what makes it lawful to sell and distribute insurance in France, and it is the starting point to verify. The regulator role matters because a licence is not a one-off check. A registered intermediary stays answerable for the way it sells, for the information it gives you before you buy, and for the placement it arranges, so a lapse would show in the register. The licence also tells you what kind of company you are dealing with. broker shows Lovys is a broker, so the registration covers distribution work rather than underwriting. The company behind that registration is set out separately, and the company section makes the connection clear. Keep the registration number with your policy documents. If a claim is disputed, or the way the sale was handled is questioned, the number identifies the firm that answers to the French authorities.

The company behind it

The legal entity is Lovys, a simplified joint stock company registered in Bobigny. That registration is the name to check on any document you sign, and it is distinct from the broker role the brand trades as. The business is French. FR records the headquarters as France, so contracts, complaints and claims all run through a French entity rather than an overseas parent. The company was founded in 2017. That is younger than the long-established insurers, so it has a shorter record of paying claims through a difficult market, which is worth weighing if you hold cover for a long period. Day to day contact runs on email, chat and phone, covering email, chat, phone and a help centre, so a closed phone line is rarely the only way through. The registration behind all of this is 18001949, the intermediary registration described in the regulation section.

How LOVYS FR compares

Where LOVYS FR is available

Available
France, Portugal, Spain
Licence in France
ORIAS (18001949), checked September 26, 2026
Licence in France
ACPR, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does a policy start at?+

The starting premium for home cover is €3.99, which is an entry point rather than a full quote. Pet policies are priced by the formula you choose, and the site median for premium from is €8.37, so Lovys starts below the middle of the market. Monthly payments are available on pet cover.

Is there an excess to pay on a pet claim?+

The excess starts at €0, so nothing is left on your side if you pick that level. A higher excess on the same policy lowers the monthly cost but cuts what comes back after a claim. Check which level your quote uses, because it changes the cost of a bad year rather than the cost of a good one.

Who is behind the policy, the broker or an insurer?+

Lovys is a broker, so it places your policy with an insurer rather than carrying the risk itself. The cover you buy is backed by that insurer, while Lovys handles the sale, the paperwork and the claim. Ask which insurer underwrites the line you are buying, since that party owes you the cover.

Is the broker properly registered?+

Yes, a French intermediary registration is recorded as 18001949. Registration is what makes it lawful to distribute insurance in France, and the register is public, so the number can be checked before you pay anything. Keep it with your documents, because it identifies the firm that answers to the French authorities if a sale or a claim is disputed.

How do you make a pet claim?+

Pet claims can be filed through online account, mobile app and email, which covers the online account, the mobile app, email and phone. Several routes mean a closed phone line does not stop a claim, and the app can be used straight from the vet if that is easier for a nervous animal.

Can I pay monthly instead of in one go?+

Monthly payments are available on pet cover, and monthly shows monthly as the listed payment model. Spreading the cost keeps more cash free in each month at the same total, which helps when the annual amount would land in a single stretch of the year.

Which kinds of insurance does Lovys sell?+

home, renters and landlord lists home, renters, landlord, auto, pet, gadget, health and life cover, so most household lines sit with the same broker. Travel and motorcycle cover are outside that list, so those would need a different provider. Each line carries its own terms, so the one worth checking closely is the line you actually need.

How much can a pet policy pay out?+

The cover limit fact sets an annual ceiling with a customisable range and a set list of formulas, so the cap is chosen when you buy rather than after a claim. The age range fact also gates entry, so an older animal may sit outside cover. Monthly payments are available, and monthly shows monthly as the listed model.

How do I reach support?+

Support runs on email, chat and phone, covering email, chat, phone and a help centre. That is a broad spread for a French broker, and it means a closed phone line rarely leaves you without a route. The help centre handles routine questions, while chat and phone suit anything that needs a quick answer.

Sources

  • lovys.com/fr checked September 26, 2026

    Backs: Insurance types, Support channels

    “Assurance habitation (proprietaire, locataire, garantie loyers impayes), assurance auto, animaux, assurance smartphone, complementaire sante, assurance vie & PER”

  • lovys.com/fr/a-propos checked September 26, 2026

    Backs: Founded

  • lovys.com/fr/assurance/animaux checked September 26, 2026

    Backs: Age range, Claims channels, Cover limit, Excess from, Monthly payments

  • lovys.com/fr/assurance/habitation checked September 26, 2026

    Backs: Pricing model, Premium from

  • lovys.com/fr/mentions-legales checked September 26, 2026

    Backs: Provider type, Headquarters, Legal entity, Licences

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

LOVYS FR

LOVYS FR

Households in France wanting several policies, monthly payments and a low entry premium.

9.1/10See alternatives

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