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Groupama, the leading insurer for agriculture, has strengthened its psychological support system to better help farmers in mental health crises. There is now a 24/7 helpline that puts them in touch with clinical psychologists. In addition, two free counselling sessions with specialist clinicians are offered to farmer policyholders.
A major player in French cycling, providing support to professionals (Groupama-FDJ cycling team) and amateurs alike, Groupama is also committed to the safety of everyday cyclists. For the second year in a row, the Group distributed more than 200,000 pieces of visibility equipment (light kits, fluorescent armbands, hi-vis vests) across France. To continue supporting amateur cycling clubs, the Group launched the third edition of its “Ton Club, Ton Maillot” initiative. Since 2020, Groupama has supported 355 clubs, providing 10,000 members with customised outfits.
Groupama’s new “#Community” campus in Mérignac brings together its Bordeaux teams – more than 700 employees from six Group entities – under one roof. #Community was designed to be at one with nature and the environment, contributing to the well-being of its users. Covering an area of 2,500 m2, the building’s green roof is home to a wide array of local plant species that support native fauna and ensure the sustainability of #Community. This brown roof concept is a first in France!
Groupama is expanding its geographical footprint. The Group now operates in Croatia (via its subsidiary Groupama Osiguranje) and Slovenia. In China, Groupama AVIC opened two new operational business units in the Jiangxi and Hainan provinces, Serving as growth drivers in new markets that offer strong potential. Groupama has also taken advantage of the normalized market conditions in Romania to grow rapidly and become the number one insurer in the country.
Groupama offers a bespoke solution to support the development of electric vehicles, covering batteries and charging cables in the event of theft or damage caused by a short circuit during charging. Regardless of the selected coverage, if the battery is flat, the vehicle is towed to the nearest charging station.
To contribute to the development of a low-carbon society, Groupama has created a non-life insurance product for afforestation and reforestation projects, covering young plantations. This pioneering offer insures young plantations against frost and drought, as well as storms, hail and snow. Groupama also has extensive forest assets – the Group is the third-largest private forest owner in France – which represent a significant carbon sink. The amount of carbon stored in these forests has increased to more than 180,000 tonnes per year, and the forest carbon stock currently amounts to 10.5 million tonnes of CO2. By way of comparison, the Group’s business travel and energy consumption emit less than 50,000 tonnes.
In 2022, Groupama Épargne Salariale’s offerings were once again awarded the “Excellence” label by Dossiers de l’Épargne. Some of the differentiating features highlighted by the experts at Dossiers de l’Épargne include: attractive pricing for very small businesses, with reduced account management fees per employee; one of the most dense and varied ranges of funds of those analysed, with 24 accessible vehicles; a comprehensive annuity component for the French collective pension fund PERCOL (10 possible outflows); and management activities that can be carried out entirely online.
Groupama Box Habitat, a remote home monitoring system , was improved in 2022. It offers new optional equipment: an indoor camera that connects to a mobile app, providing real-time footage (audio and video) of the inside of the home. At the same time, new features are available on the Groupama Box Habitat app so that users can remotely control their security system in a simple and secure way.
Is it possible for financial investments to generate a measurable, positive social and environmental impact? Two new vehicles offered by the Groupama Group can do just that. The Groupama Social Impact Debt fund invests in SMEs rooted in the local community that are dedicated to improving their social performance through, for example, commitments to job creation or employee purchasing power. Savers can also contribute to a low greenhouse gas emissions (GHG) economy via “Porphyre Transition Climat Septembre 2022”, a green debt security issued by Crédit Agricole CIB and distributed by Groupama Gan Vie. Its aim is to exclusively finance or refinance projects that contribute to the energy transition, the reduction of CO2 emissions or the circular economy.
To achieve their recruitment objectives, in 2022 the Group and its companies launched a new employer brand campaign showcasing employees: “Être là pour les autres, j’ai décidé d’en faire mon métier” (Being there for others: I’ve decided to make it my job). Thanks to these initiatives, Universum ranked Groupama as one of the most attractive groups for professional development for Master’s graduates.
The app that helps policyholders to take control of their health and improve their well-being was given a makeover in 2022, including optimised ergonomics and a range of smart features for an improved customer experience. It has been rolled out in France and it ranks as our customers’ most frequently used app.
The “Gestes Qui Sauvent” (Life Savers Program) training programme is free and open to anyone – whether they are a Groupama customer or not – who wants to learn how to save lives. The training is provided by experts: fire-fighters, the Red Cross, Protection Civile etc. On the occasion of the World First Aid Day on 10 September 2022, Groupama’s international subsidiaries announced the launch of the Life Savers Program, joining the French entities in their mission to train one million people in life-saving skills.
In 2022, nearly two million people visited the “Ma Nouvelle vie commence ici” website, representing an 80% increase in traffic compared to 2021. Many people worry about retirement and have lots of questions. Groupama Gan Vie therefore created “Ma Nouvelle vie commence ici” to help people better prepare for their retirement. The site provides all available information on retirement via videos, editorial content, podcasts and simulators such as “Ma retraite, combien et quand”, which – in just a few clicks – allows anyone to find out how much their retirement will be and at what age they can retire.
Groupama’s international subsidiaries innovate to provide new offerings that meet the specific needs of their local customers. In Greece, Groupama Asfalistiki offers myZen by Groupama, a new fully online car insurance brand marketed via a dedicated website. During the underwriting process, 11 parameters are taken into account to optimise the proposed rate. In Bulgaria, Groupama Zhivotozastrahovane launched a new health insurance product “Groupama Vita”, comprising competitive health packages that offer a comprehensive and totally unique service. Lastly, in Italy, Groupama Assicurazioni launched “MenteSerena Collettività” in 2022, a new group protection offer.
The “Volt’terre” innovation programme launched in 2022 aims to encourage entrepreneurship and to develop innovation in the territories by establishing partnerships between start-ups and local Groupama teams to create new services. It involves all Groupama regional mutuals as well as Groupama Gan Vie, and is based on five start-up accelerators.
The Groupama Group supports researchers as well as artists. In 2022, the Groupama Foundation awarded its Rare Diseases Research Prize to Frédéric Michon from the Institute for Neurosciences of Montpellier (INM) in order to finance his ambitious research on aniridia.
The scientist and his team will receive €500,000 in funding over a five-year period. Solidarity walks (“Balades solidaires”), organised throughout France by Groupama members, also raised more than €400,000 for rare disease associations and research projects. For its part, the Gan Foundation for Cinema showcased seven new film-makers in 2022, bringing the total number of feature films supported since its creation to 230.
The Group strives to strike a balance between its employees’ well-being at work and their individual and collective performance on a daily basis. It has 7 companies certified as “Top Employer”: three in France and four abroad. Groupama Asfalistiki (Greece), Groupama Assicurazioni (Italy), Groupama Asigurari (Romania), Groupama Nord-Est, Groupama Grand Est, Groupama Loire Bretagne and Groupama Sigorta (Turkey) are therefore all positioned as employers of choice in their sector.
Groupama contributes to the transition to a circular economy in its activities. Accordingly, in the event of a motor vehicle claim, more than one third of bumpers are repaired (France), not replaced. In terms of using used parts, which also avoids the need for new parts, Groupama is positioned as one of the leaders in this field, with reuse accounting for more than 11% of cases. This figure is expected to increase.
The Groupama National Pro Trophy awards (“Trophée Pro National”) highlight the innovative and sustainable initiatives of small business that contribute to the development of their local communities. For its third edition, five local, innovative and responsible companies were recognised for their contributions. The first three awards were presented to Rosobren, a specialist in the design and development of new reed-based materials; Greenskin, a company offering modular green façade solutions; and OrNorme, a unique antiwaste cannery that buys downgraded fruit and vegetables from local producers.
Since the beginning of 2022, three million Groupama Santé Active policyholders have benefited from enhanced medical teleconsultation services to improve their access to care. The offer includes six teleconsultations per year per policy beneficiary, which are free of charge. An appointment can be made with either a general practitioner or one of the service’s 20 specialists, with healthcare professionals available from 6am to 11pm every day of the week.
To help the Ukrainian population in its time of need, Groupama and Mutuaide have donated two mobile hospitals. The Group’s international subsidiaries also rallied to help, such as in Romania where Groupama Asigurari organised a crisis unit to help Ukrainians when they first arrive in the country and raised funds for initiatives to support refugees. In Hungary, Groupama Biztosító donated €100,000 to the Hungarian and Slovakian Red Cross to support their humanitarian work at the Hungary-Ukraine and Slovakia-Ukraine borders.
In line with its commitment to a “Native” CSR approach for all its business lines and activities, Groupama joined Union des Marques’s “FAIRe” programme dedicated to responsible communication. Through its 15 commitments, FAIRe takes into account societal and environmental values for all forms of communication, both in terms of the information sent – by promoting the communicating entity’s commitment to environmental and social values and empowering the message recipient – and in terms of how it is sent, through eco-designed media.
Gan Eurocourtage has designed Welii, a new service brand dedicated to companies and their employees, which responds to new workplace challenges through preventive measures and actions that support quality of life at work. This offer includes a wide range of services, such as teleconsultation, second medical opinions, help for caregivers, absenteeism analysis, back-to-work assistance, well-being webinars etc.
This was the total cost of weather-related claims in France in 2022! This figure has quadrupled since the beginning of 2010. Extreme events are happening more often and becoming more intense. The severe hailstorm in June 2022 is an example of this. The violent storm produced hailstones larger than golf balls, causing an unprecedented number of claims. The Group took swift action: thanks to the partnership with Predict Services, a subsidiary of Météo France, our policyholders received alerts before, during and after the event, which provided advice on what to do. Substantial resources were deployed to deal with the influx of claims and to ensure that policyholders were compensated as quickly as possible.
Although accidents involving tractors have steadily decreased over the past 10 years, they are still often severe given that their engines are increasingly large and powerful.
Paradoxically, there is no mandatory training or permit for driving agricultural vehicles. Each year, Groupama trains 2,500–3,000 college students studying agriculture in safety at work and on the road through its “10 de conduite agricole” programme.
The Group is accelerating its climate actions by implementing low-carbon targets for its assets. In particular, it is committed to reducing the carbon intensity of its equity portfolios by 50% between 2021 and 2030 by strengthening its policy on non-conventional energies. In line with these commitments, the Groupama Group joined the Net-Zero Asset Owner Alliance, supported by the United Nations. This initiative brings together international insurers and pension funds committed to transitioning their investment portfolios to net-zero GHG emissions by 2050.
*Between 2022 and 2024
Chairman, and Thierry
Martel, Chief Executive Officer