The group's identity is built on Groupama's agricultural origins and its territorial roots anchor it in the everyday reality of its members and customers.
While mutualism promotes the principles of proximity (local mutuals), solidarity (grouping for a collective, shared interest), and responsibility by its very nature, Groupama’s agricultural roots provide it with a unique reality:
- stronger proximity with 3,100 local mutuals and 38,000 representatives;
- greater responsibility, with a mode of organisation anchored in the territories with the local mutual, which constitutes a community of members;
- and a real solidarity between each level through involvement at each level – local, regional and national.
A pioneer of engagement in the territories, Groupama’s mutualism places engagement commitment at the centre of its approach.
Member customers at the heart of a collective responsibility: one person = one vote
At Groupama, you’re more than a customer…you’re a member.
Being a member means:
- Being able to express your expectations, needs and comments during your local mutual’s general meeting
- Being able to exchange with the directors of your regional mutual
- Electing members to serve as your representatives at the local, regional and national level
- Participating in the management of your mutual by becoming an elected representative
- Benefiting from the actions proposed by your local mutual (information, prevention, events, etc.)
- Having the possibility of investing in your regional mutual and your region’s economy with mutual certificates (issued by the regional mutual of your region) (“certificats mutualistes”)
- Being able to develop a lasting relationship built on trust within your Groupama community
- Having a Groupama contact less than 15 kilometres from your home (employee or elected member representative)
Representatives who promote our values
At Groupama, members are above all players in the group, capable of dedicating themselves at each of the elective levels. Today, Groupama has more than 41,300 representatives, who have chosen to commit themselves and form the group’s identity as its “lifeblood”.
Being a representative at Groupama means:
- Personifying a democratic, participatory system: Being both a voter and eligible to be elected, all members have the opportunity to become administrator of their local, regional and national mutual!
- Promoting the local mutualist life: during the general meetings of their local mutual, representatives talk about types of coverinsurance, services, preventive actions and contribution to the local economic and social life, and they serve as the relay for the members who elected them!
- Approving the key strategic priorities of the regional mutuals in board meetings
- Being the link between proximity and expertise: the representatives report information from the field to the regional and then national level, and ensure that their recommendations are considered.
- Passing on and sharing the mutualist values with an objective of serving the members and enhancing performance.
The values that drive us: proximity, solidarity and performance to serve customer satisfaction
Customer satisfaction has always been a major focus for us. We must offer, therefore, the best service at the best price, which requires business performance.
Our performance also relies on our values that constitute our strength: an unwavering commitment to our policyholders, thanks to proximity in both words and action. Through our 3,100 local mutuals and 38,000 representatives in the field, we are always attentive to the true needs of our customers. We know them since we are by their side thanks to the joint work of the representatives and the employees.
This proximity has enabled Groupama to adapt its mutualist organisation to the economic realities of its time and the changing needs of its members.
Solidarity is part of our DNA, since that is what gave rise to our first local mutuals! It is also expressed each day when the representatives and employees work alongside members when an incident occurs or, for example, during preventive actions.
Our mutualism also means being committed:
a) To developing the territories: Groupama establishes many partnerships in the field, which facilitate, foster and surround the initiative, promote employment and contribute to local economic development.
- At the agricultural level: support in setting up with a dedicated charter, training and information, management of unfortunate events, promotion of agricultural trades, partnership with a chair at the La Salle Beauvais agricultural college on management of agricultural risks.
- At the VSE-SME level: support for regional employment, by contributing to the activity of several thousand companies and service providers to engage in its role as insurer and best serve its member customers: garages, healthcare providers, craftspeople, lawyers, partner experts, etc.
- Around collaborative projects and local economic development: promote local business (creation of the Granvillage collaborative platform – link -), support crowdfunding platforms, help associations dedicated to employment and social inclusion
- By favouring responsible investments and socially responsible investments (RI and SRI). In 2014, more than 40 million euros was paid to the local authorities (for the territorial economic contribution (CET)), and 10.7 billion euros in benefits was paid to our policyholders in 2015, allowing them to maintain their economic activity and environment.
b) To support local associations and initiatives: Groupama provides operational and financial support to numerous local associations (sports, cultural, general interest and other associations) around three main themes: Health & Disabilities, Sport & Culture, and Solidarity.
- Health: for more than 15 years, the Groupama Health Foundation has been committed to fighting rare diseases. It has supported 600 projects, 160 associations and 32 researchers. This support can also be seen in its actions to fight cancer, support AIDS patients and hospitalised children, promote blood donation and fund defibrillators for communities
- Disabilities: actions supporting people with disabilities in businesses, support for associations, equipment purchases, event tickets, etc.
- Sport and culture: more than 5.6 million euros was allocated to cultural and sport patronage in 2016 through the promotion of local specialities, art, culture (music, dance, cinema, theatre, etc.) and support for regional sport.
- Solidarity: Christmas collection campaigns, support for disaster victims, family or charity associations and the Solidarité Action Madagascar association
c) Alongside members through preventive actions : For 60 years, Groupama’s prevention policy, which is intended for everyone, has resulted in a concrete commitment in the areas under its economic, social and environmental responsibility:
Protection of property and people (in motor through the Centaure training centres, in health), but also sustainability of working tools and preservation of the environment (prevention in the agriculture field).
Driven by the strong convictions of the mutualist directors and the employees, it favours anticipation and long-term actions to serve our members and customers.
In 2015, prevention awareness initiatives reached more than 4,500 Groupama employees and nearly 162,800 outside people benefited from preventive actions, which represents 8,630 days of assignments for prevention inspectors (technical prevention and actions with the general public).