Le Courtier
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Independent broker · Balma, Toulouse

Your English-speaking insurance broker in Toulouse.

Car, home, health, mortgage… French insurance can be confusing. We compare the market for you and explain everything in plain English, so you can focus on settling in.

Get a free quote → 📅 Book a call

Who we help

  • Aerospace and Airbus professionals relocating to Toulouse
  • Expats on assignment and their families
  • International students and researchers
  • Newcomers renting or buying a home in France

Why a broker?

An insurance company sells its own products. As an independent broker, we work for you: we compare offers from many French insurers, negotiate, and stay by your side when you need to make a claim.

Our advice is free for you: we are paid by the insurers.

What we cover

Everything you need to live in France.

Car and motorbike

Mandatory in France. Foreign licence, first French policy, imported US vehicle: we find insurers that accept your profile.

Home and renters' insurance

Tenants must insure their home in France. Apartment or house, furnished or not, we get you covered quickly with a certificate for your landlord.

Health top-up (mutuelle)

French Social Security only reimburses part of your medical costs. A mutuelle covers the rest: hospital, dental, optical.

Mortgage insurance

Buying a home? The bank requires borrower insurance, and you can choose a cheaper policy than the bank's.

International health

Not yet registered with French Social Security, or travelling often? International health plans cover you worldwide.

Professional liability

Freelancer or contractor in France? We cover your professional liability and business premises.

How it works

1. Tell us what you need

Fill in the short form below or call us. A few questions are enough to get started.

2. We compare for you

We consult our partner insurers and select the best options for your situation and budget.

3. We explain and set it up

We go through the guarantees in English, handle the paperwork and send you your certificates.

Get a free quote

Tell us a little about your needs: we'll get back to you quickly, in English.

Prefer to talk? Call +33 6 48 03 90 32 or book a call

Frequently asked questions

Do I need to speak French?

No. We handle the whole process in English: understanding your needs, comparing offers and explaining the guarantees. Insurance contracts and legal documents are issued in French by the insurers, and we walk you through them.

Is home insurance mandatory in France?

If you rent, yes: tenants must insure the property against rental risks (fire, water damage, explosion) and landlords usually ask for a certificate when you move in. For owners, it is strongly recommended and required for co-owned buildings.

Can I get car insurance with a foreign driving licence?

Yes, in many cases. Depending on your licence and how long you have lived in France, you may need to exchange it for a French licence. Some insurers also take your previous no-claims history into account: bring a letter from your former insurer.

I'm buying a home in France. Can you help with mortgage insurance?

Yes. Banks require borrower insurance, and you are free to choose a policy other than the bank's, often much cheaper. For the mortgage itself, we can put you in touch with our partner credit broker.

How much does it cost to use a broker?

Our comparison and advice are free for you: we are paid by the insurers.

LCA – Le Courtier

Independent insurance broker. SASU with a share capital of €1,000 · 53 bis avenue de la Plaine, 31130 Balma, France · RCS Toulouse 994 969 525 · Registered with ORIAS under no. 26000476 (www.orias.fr). Supervised by the Autorité de contrôle prudentiel et de résolution (ACPR).

Version française · Mentions légales (legal notice, in French) · Cookies

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