Local and regional mutuals

carte 2019

2,600 local mutuals facilitating dialogue in the territories

1 person = 1 voice

In the mutual insurance system, members elect their representatives at the local level, who in turn elect their representatives at the regional and national levels. All major decisions are first considered collectively in general meetings, board meetings, committees and working groups.

• More than 300,000 members participate each year in the general meetings of local mutuals. They approve the accounts, are advised of Groupama’s new offers and services, and are encouraged to make comments and suggestions.

• 27,000 directors are elected to represent the 2,600 local mutuals. The local directors, who are all volunteers, act as the interface between customers and the company in order to improve the quality of offers, services and benefits.

Regional mutuals, full-function companies

The Groupama Group relies on a network of:

  • 2 600 local mutuals;
  • 9 metropolitan regional mutuals;
  • 2 specialisedt mutuals (Misso and Tobacco Producers);
  • 2 overseas mutuals (Antilles-Guyane and Océan Indien).

As authorised mutual insurance companies, the regional mutuals’ main aim is to reinsure the local insurance mutuals adhering to its bylaws and to facilitate their operation. They have their own sales networks of employees and handle customer relationship management.