Canada    FinTech Guide    Chapter 13    France

13. InsurTech
France  France

CNIL (French data authority) is very careful about health data, especially with insurance and IoT.

Data recording for InsurTech is considered negatively in both social and political environments.

Legal Affairs

Digital and mobile brokers : License required at the ORIAS.

IoT: Health data is restricted by national regulation. Driving data : not a real issue except the national data privacy legislation

Economic Conditions

Market has to be developed. There is no real major player yet in Insurtech.


Digital and mobile brokers : high regulation standards.

IoT : Data regulation is restrictive about health data. French and European regulations are strict about them.

Contributing Authors

LERINS & BCW Avocats Associés

Christine Vialars
Paris, France

Laurent Julienne
Paris, France

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Chapter Index:

1. Payment Services / Mobile Payment

2. Asset and Portfolio Management

3. Consulting and Broking Services / Robo-advisory / Auto-trading

4. Trading Platforms / Social Trading Platforms / Signal Following

5. Crowdfunding / Crowdinvesting / Crowdlending

6. Virtual Currency - Bitcoin

7. Loan Services / Factoring / Loan Broking / Finetrading

8. Online Banking Services

9. Analytics and Research / Data Management / Risk Management

10. Accounting

11. Identification

12. Online-pawning

13. InsurTech

14. RegTech

15. Initial Coin Offerings (ICOs)

The information in this guide provides a general overview at the time of publication and is not intended to be a comprehensive review of all legal developments nor should it be taken as opinion or legal advice on the matters covered. It is for general information purposes only and readers should take legal advice from a Multilaw member firm.

Publication Date: 1 May 2018