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The largest claims management organisation in France As the core business of the mutual insurance companies having joined the SGAM, claims management was the first co-operation project within Covéa. Today, Covéa AIS (Assistance, Compensation, Services) manages the claims files of GMF, MAAF and MMA and their partners as part of a pragmatic organisation, in which the two principal objectives are improving services and controlling costs, with direct benefits for the policy-holders: providing enhanced services and keeping tariffs attractive. It constitutes the largest claims management organisation in France :
Inventing the future Reconciling the requirements of cross-functionality, performance and legibility, the structure dedicated to claims management has shown how effective it can be. 95% of its teams work for their own brand name, the others in three Performance Poles: car and material injury claims, material, fire and casualty insurance claims (IRD) and bodily injury claims. These poles manage the common policies and the unified networks of suppliers and carry out growth experiments. Covéa AIS pursues its strategy in 4 directions (the "4 S") : • Style of compensation: dispatching, lead-times, initiatives and skills to improve customer loyalty,It has several major assets :
« Its innovative strategy makes Covéa AIS a benchmark on the market. By integrating Assistance, Compensation and Services, it has overhauled the settlement of claims in France with a major asset: its 20% market share as a springboard to design breakthrough scenarios. » Michel Gougnard, Executive Vice-president of Covéa AIS |





