LOVYS FR review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Lovys FR suits French households who want one broker for home, car, pet, health and life cover with monthly payments. Home premiums start at €3.99 and pet excess begins at €0, a low starting point for a full personal insurance line.
Key facts
- Best for
- One French broker for personal insurance billed monthly, with a pet excess starting at €0.
- Premium from
- €3.99↗
- Insurance types
- Home, Renters, Landlord, Auto, Pet, Gadget, Health, Life↗
- Provider type
- Broker↗
- Monthly payments
- Yes↗
- Excess from
- €0↗
- 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)↗
- Claims channels
- Online account, Mobile app, Email, Phone↗
- Age range
- Insured pet: from 2 months to 8 years (dog), to 7 years (cat)↗
- Legal entity
- Lovys, societe par actions simplifiee (SAS), RCS Bobigny 832 028 021↗
- Headquarters
- France↗
- Founded
- 2017↗
- Support channels
- Email, Chat, Phone, Help-centre↗
- Pricing model
- Monthly
- Official website
- lovys.com
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- LinkedInXinstagram.com
Pros and cons
Pros
- Home cover starts at €3.99 on a monthly model, below the €8.54 typical across the ranking.
- Insurance types span home, renters, landlord, auto, pet, gadget, health and life under one broker.
- Pet claims can be made through online account, mobile app and email, including the mobile app, online account, email and phone.
- The pet excess starts at €0, so veterinary claims need no out of pocket payment.
Cons
- The broker status under broker means cover is placed with insurers rather than underwritten by Lovys FR itself.
- Pet cover stops at an annual limit, and the insured age range caps entry for older animals.
- Support runs on email, chat and phone only, with no in person option listed.
Who it suits
- Households wanting home, auto and pet cover from one French broker
- Owners who want claims filed from the app without a call
- Anyone who prefers monthly premiums over paying a year up front
Who should look elsewhere
- People wanting to be their own insurer, since Lovys FR is a broker under broker
- Owners of older pets, who fall outside the listed insured age range
- Buyers shopping outside France, as the entity is headquartered in France
Safety of your money
Lovys FR operates as a broker under broker, so policies sit with the insurers it places business with rather than with the brand itself. It is registered with ORIAS under licence 18001949, the French insurance and finance intermediary register, alongside ACPR supervision in the same market. On claims, the pet policy is handled through online account, mobile app and email, which covers the online account, mobile app, email and phone.
Who runs it
The company is Lovys, a societe par actions simplifiee registered in Bobigny, and it is headquartered in France. It was founded in 2017 and has built a broker range covering home, renters, landlord, auto, pet, gadget, health and life. Support runs on email, chat and phone, adding chat and a help centre, and the ORIAS registration 18001949 confirms it is authorised to intermediate insurance in France.
How LOVYS FR compares
9.1 vs 8.6
9.1 vs 9.4
9.1 vs 9.3
9.1 vs 9.4
9.1 vs 8.7
9.1 vs 8.5
9.1 vs 9.4
9.1 vs 8.7
9.1 vs 9.0
9.1 vs 8.7
9.1 vs 9.4
9.1 vs 9.2
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 8.7Linxea sells life assurance directly from €25, a higher single premium, where Lovys FR starts at €3.99 on home cover.
9.1 vs 9.0
9.1 vs 8.8bunq is a bank rather than an insurance broker, and its premium entry of €0 sits in a different product category from Lovys FR cover.
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 9.0
9.1 vs 8.3
9.1 vs 9.5
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.3
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9.1 vs 9.3
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 8.9- 9.1 vs 8.6
9.1 vs 8.6
9.1 vs 8.5
9.1 vs 8.4
9.1 vs 8.3
9.1 vs 8.3
9.1 vs 8.2- 9.1 vs 8.0
Where LOVYS FR is available
- 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
How much does cover cost from?+
Home premiums start at €3.99 on a monthly basis, which is below the €8.54 seen across the home insurance ranking. Pet cover is quoted separately, with a typical entry point of €9 across the pet ranking.
Is there an excess on pet claims?+
Yes. The pet excess starts at €0, so a covered veterinary bill can be settled without an out of pocket amount. The annual cover limit is customisable, and set formulas are offered across a band for owners who want a higher ceiling.
What can I insure through Lovys FR?+
The range covers home, renters and landlord, running from home, renters and landlord cover through auto, pet and gadget to health and life. One account handles the policies, so a household can place several lines in the same place.
How do I make a claim?+
Pet claims can be filed through online account, mobile app and email: the online account, the mobile app, email or phone. That mix means a claim can start in the app and be followed up with an adviser if the animal needs treatment urgently.
Who regulates Lovys FR?+
Lovys FR is registered with ORIAS under licence 18001949, the French register for insurance and finance intermediaries, and the entity also appears under ACPR supervision. The legal company is a societe par actions simplifiee in Bobigny, headquartered in France.
Can I pay monthly instead of yearly?+
Yes. Monthly payments are available, and the home policy runs on a monthly model, matching the 89% share of the wider insurance ranking. That suits households who would rather spread a premium across the year.
Which animals can be insured?+
Dogs can be insured from a young age up to a stated maximum, with cats covered to a lower ceiling, so the insured age range differs by species. Older animals fall outside that range, which is worth checking before you apply for a pet policy.
How do I get help from the team?+
Support runs on email, chat and phone, combining email, live chat, phone and a help centre. With a claim already open, the phone route is the one to use, and the account and app keep documents and messages in one place.
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.
Related by the facts
LOVYS FR
One French broker for personal insurance billed monthly, with a pet excess starting at €0.