Groupama MRH review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Groupama MRH suits households in France that want a single insurer for home, car, health, life, pet and travel cover, with the option of monthly payments. It scores 3 overall, with premiums from €12.90 and an excess of €174 to €354 on home cover.
Key facts
- Best for
- French households wanting one insurer for home, motor, health, life, pet and travel.
- Premium from
- €12.90↗
- Insurance types
- Auto, Home, Landlord, Life, Health, Dental, Pet, Motorcycle, Gadget, Home-emergency, Travel↗
- Provider type
- Insurer↗
- Monthly payments
- Yes↗
- Excess from
- €174 to €354↗
- 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↗
- Claims channels
- Online, Mobile app, Phone, Agency↗
- Age range
- Reduced student tariff for tenants under 26 (2 rooms maximum)↗
- Legal entity
- Assurances Mutuelles Agricoles Groupama↗
- Headquarters
- France↗
- Founded
- 1900↗
- Support channels
- Phone, Chat, Help-centre↗
- Audience
- Seniors
- Pricing model
- Monthly
- Official website
- groupama.fr
Facts checked September 26, 2026, 3 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- One insurer covers the household: auto, home and landlord
- Premiums start at €12.90 on home cover
- Monthly payments available
- Claims can be raised by online, mobile app and phone
Cons
- The excess on home cover starts at €174 to €354
- Support runs on phone, chat and help centre only
- Premiums sit above the site median of €8.31
Who it suits
- French households insuring a home and a car with the same provider
- Seniors, who the insurer lists among the audiences it serves
- Landlords needing landlord cover alongside home and motor
Who should look elsewhere
- People wanting cover outside France, where the insurer is based
- Anyone who wants a support channel beyond phone, chat and help centre
- Readers who want the lowest starting premium, where Linxea sits at €25
Safety of your money
Groupama MRH is an insurer, insurer, regulated in France by ACPR. It is a mutual insurance group rather than a bank, so premiums fund claims rather than deposits. Retail loss percentages here run at a median of 70.15%, in line with the wider market.
Who runs it
The provider is Assurances Mutuelles Agricoles Groupama, Assurances Mutuelles Agricoles Groupama, headquartered in France and founded in 1900. Support runs on phone, chat and help centre, and monthly payments are available so cover can be kept up without a large annual payment.
How Groupama MRH compares
9.3 vs 8.6
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 9.4
9.3 vs 8.7
9.3 vs 8.5
9.3 vs 9.4
9.3 vs 8.7
9.3 vs 9.0
9.3 vs 8.7
9.3 vs 9.4
9.3 vs 9.2
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 8.7A savings and investment alternative where premiums start at €25, far below €12.90.
9.3 vs 9.0
9.3 vs 8.8A digital bank with no premium, €0, for everyday money rather than insurance.
9.3 vs 8.9
9.3 vs 8.9
9.3 vs 9.0
9.3 vs 8.3
9.3 vs 9.5
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.9
9.3 vs 8.9- 9.3 vs 8.6
9.3 vs 8.6
9.3 vs 8.5
9.3 vs 8.4
9.3 vs 8.3
9.3 vs 8.3
9.3 vs 8.2- 9.3 vs 8.0
Where Groupama MRH is available
- Available
- France
- Licence in France
- ACPR (Autorite de controle des assurances et des caisses d'epargne), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Groupama MRH cover?+
It covers auto, home and landlord under one roof, so a home, a car, health, life, a pet and travel can all sit with the same provider. Home cover is the anchor, with contents limits from Protection Indispensable up to Protection Premium, which can also insure furniture with unlimited value.
What is the cheapest premium?+
Home premiums start at €12.90. The site median for starting premiums is €8.31, so this sits above the typical entry point. Your own premium depends on the cover level and the excess you choose.
Is there an excess on the home policy?+
Yes, the excess starts at €174 to €354. That is the part of a claim you cover yourself, and a higher excess usually brings the premium down. Choosing a higher excess is the simplest way to cut what you pay each period.
Can I pay monthly?+
Yes, monthly payments are available, so the annual premium can be split into smaller amounts. The site notes that 89% of comparable providers offer monthly payments too, so this is standard in the market.
How do I make a claim?+
Claims can be raised by online, mobile app and phone, so you can use the app, the website, the phone or an agency. Having an agency option is useful if you would rather deal with a person for a large claim.
Who runs the insurer and where is it based?+
It is Assurances Mutuelles Agricoles Groupama, Assurances Mutuelles Agricoles Groupama, founded in 1900 and based in France. It is a mutual, so members share the risk rather than holding equity.
Which regulator supervises it?+
It is supervised in France by ACPR, the insurance and savings supervision authority. The regulator is named in its licence record, and the group operates as an insurer rather than a deposit-taker.
What support can I get?+
Support runs on phone, chat and help centre. Phone is the main route, with a chat option and a help centre for questions. There is no separate email or community channel listed.
Sources
- acpr.banque-france.fr checked September 26, 2026
Backs: Licences
- fr.wikipedia.org/wiki/Groupama checked September 26, 2026
Backs: Provider type, Founded
“Creation 4 juillet 1900 - Forme juridique : Societe d'assurance mutuelle - Siege social : Paris, France”
- groupama.fr checked September 26, 2026
Backs: Audience, Claims channels, Headquarters, Legal entity, Monthly payments, Support channels
- groupama.fr/assurance-habitation checked September 26, 2026
Backs: Age range, Cover limit, Excess from, Insurance types, Pricing model, Premium from
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Groupama MRH
French households wanting one insurer for home, motor, health, life, pet and travel.