R&D and outlook

In working towards the future, the Covéa group draws on its R&D expertise as well as the originality of its approach and the partnerships it has formed.

Unusual partnerships

In order to successfully complete certain projects requiring complementary skills, a business must form partnerships. Covéa has formed unusual relationships in this respect.

Our Group is the first insurer to form a partnership with a Technological Research Institute (TRI): SystemX, the digital transformation TRI on the Paris-Saclay campus, with its “Blockchain for Smart Transactions” (BST) project. Our aim is to share our customer experiences and test our particular applications, especially in the motor and home insurance field.

Covéa has adopted this new technology with the objective of identifying and evaluating potential blockchain applications, optimising its management processes and exploring new products and services involving digital trust. This is a highly original approach, being both multi-sectoral and complementary.

The Group has also formed a partnership with the Tech Care Paris innovation platform to offer e-healthcare startups hosting, training and links with manufacturers and healthcare economic stakeholders in France and internationally. As a member, Covéa’s aim is to encourage the birth of high-potential French startups by providing its market knowledge and experience.

Assurtech and new mobilities

Thierry Crahes and Bruno Lacoste-Badie introduce "Le Mans Tech" and "Niort Tech", two boosting start-ups in the digital area, and more specifically in the assurtech field.

Connected cars and customers as testers

Covéa has launched a large scale field experiment on connected cars. This experiment aims to recruit 10 000 customers at MAAF and GMF who will plug a housing recording driving data in their cars.

Thanks to sensors and a mobile connection, each housing will send data describing driving behaviors based on four criteria: attention, anticipation, caution and adaptability.

The Group relies on this experiment to learn how to use new driving indicators and to assess their impact on claims.

Focus on « Blockchain for Smart Transactions » (BST) project

In April 2017, Covéa has joined the “Blockchain for Smart Transactions” (BST) project launched by the SystemX Technical Research Institute, contributing its customer experience expertise and testing its particular applications especially in the motor and home insurance fields.

This is the first assessment of this partnership with Bruno Garçon and Antoine Dalmières, the BST project managers at Covéa.


  • Covéa 2018 business report

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