ASSUR TOI Independent insurance broker
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Compliance & ORIAS

Insurance brokerage is a regulated activity. This page sets out, in full transparency, ASSUR TOI's compliance elements: registration, professional guarantees, remuneration, complaints and anti-money-laundering.

Contents

1. Status & registered activity

ASSUR TOI (SIREN 102419199) operates as an insurance intermediary, within the meaning of the French Insurance Code, and acts strictly within the scope of its registered object:

"All insurance brokerage operations, risk management consulting and all operations ancillary to insurance."

Original (French): « Toutes opérations de courtage en assurance, de conseil en gestion des risques et toutes opérations annexes à l'assurance. »

As such, ASSUR TOI is subject to the ACPR's rules of conduct, the provisions of the French Insurance Code, as well as the Insurance Distribution Directive (IDD) and the regulations on anti-money-laundering and counter-terrorist financing.

2. ORIAS registration

The exercise of insurance intermediation is subject to registration in the single register of insurance, banking and finance intermediaries, kept by ORIAS.

ORIAS registration number: N° ORIAS :

Verify our registration in real time on the official register: www.orias.fr → Search for an intermediary. This number is re-verified at each renewal and updated without delay on this page.

3. Professional liability & financial guarantee

In accordance with the requirements applicable to insurance intermediaries, ASSUR TOI holds the mandatory guarantees:

  • Professional indemnity insurance (RC Pro), covering the financial consequences of liability that may be incurred in the exercise of intermediation.
  • Financial guarantee, intended to guarantee the representation of funds in the context of premium collection.

The corresponding certificates are made available to clients and authorities on simple request.

4. Remuneration & transparency — IDD directive

ASSUR TOI's remuneration is clear and owned. It comes exclusively from:

  • commissions paid by the insurers with whom the contracts are placed, proportional to premiums;
  • and/or fees agreed with the client within risk management consulting or claims advocacy mandates.

In accordance with the IDD directive (Directive 2016/97/EU, transposed into the French Insurance Code), the nature of our remuneration and, where the client so requests in good faith, its amount, are communicated before the conclusion of the contract. Our recommendations are based on the analysis of the client's needs and requirements (a "suitability" approach), and not on optimising our commission.

No remuneration is received in exchange for any benefit likely to impair compliance with the obligation to act in the best interests of the client.

5. Complaints & mediation — your right to complain

You have a right to complain. Any complaint may be addressed:

We acknowledge receipt of your complaint within ten working days and undertake to respond within a maximum of two months from its receipt.

In the absence of a satisfactory response, or in the event of disagreement with the response provided, you may refer the matter free of charge to the Insurance Mediator (Médiateur de l'Assurance):

Referring the matter to the Mediator does not deprive you of the right to bring legal action, where applicable.

6. Anti-money-laundering & legal obligations (AML/CFT, ACPR, Insurance Code)

As an insurance intermediary, ASSUR TOI is subject to vigilance and anti-money-laundering and counter-terrorist-financing (AML/CFT) obligations. In particular, we carry out:

  • the identification and verification of identity of our clients and beneficial owners;
  • adapted vigilance over operations, premium flows and business relationships;
  • the reporting of suspicion to TRACFIN where circumstances so require;
  • the retention of documents and the training of our staff.

ASSUR TOI carries out its activity in compliance with the French Insurance Code and the rules of conduct issued by the ACPR, under the supervision of the competent authorities. Our compliance framework (AML/CFT policy, internal procedures, complaints register) is available on request within the scope of regulatory obligations.

The constitutive documents (KBIS, articles of association, beneficial-owner declaration, ORIAS certificate, professional liability and financial guarantee certificates, AML/CFT policy) are provided on request, notably to our banking partners and insurers.