Direct Assurance Referral Code 2026, €50 Each
€50 refunded to the referrer and €50 to the referee per policy, capped at €500 incl. tax per year
The Direct Assurance referral programme refunds €50 to the referrer and €50 to the referee per car or home policy taken out with the DIRECTPARRAIN code, capped at €500 incl. tax per year. The refund arrives within 2 months at the latest. The quote must be created with the code and the referrer's policy number, and the policy taken out within 60 days of the quote. Direct Assurance is an AXA subsidiary, 100% online since 1992, pioneer of direct car insurance in France. Competitive prices, sign up in 5 minutes without an agent.
Who it's for and when
Direct Assurance is ideal for drivers wanting competitive car insurance without going through an agent. 100% online sign-up is fast (5 min) and prices are among the cheapest with AXA's backing. The referral scheme refunds €50 on each side, capped at €500 a year.
How to get it, step by step
- Share your Direct Assurance referral link
- The new subscriber takes out Direct Assurance car insurance online
- The referrer and the referee each receive €50, refunded within 2 months
- The bonus is paid a few weeks after sign-up
Our analysis
Direct Assurance is AXA's 100% digital subsidiary, allowing very competitive prices (lower overhead than branch networks). Contract management, claims reporting and follow-up are all handled online or by phone. Direct Assurance uses AXA's approved repairer network. The referral scheme refunds €50 to each side per policy, capped at €500 incl. tax per year.
Strengths
- €50 refunded to each side, with a clear annual cap of €500 incl. tax
- AXA subsidiary - financial strength and approved repairer network
- 100% online sign-up in 5 minutes
- Competitive prices with no agency fees
Things to watch
- No physical branch - everything online or by phone
- Car insurance only (no home or health insurance directly)
Frequently asked questions
Is Direct Assurance reliable?
Yes. Direct Assurance is an AXA subsidiary, the world's largest insurer. It is authorised by the ACPR and backed by the financial strength of the AXA group.
How does the Direct Assurance referral work?
The referee's quote must be created with the DIRECTPARRAIN code and your policy number, then the policy taken out within 60 days. You each receive €50, refunded within 2 months.
Who can refer someone at Direct Assurance?
Referring requires holding a current Direct Assurance policy yourself. That customer passes their link to someone close, who becomes the referee by taking out a policy in turn. A former customer whose policy has ended can no longer, in practice, claim a referral.
Which Direct Assurance policies qualify for the referral?
Eligibility is defined by the programme terms shown at the time of the quote, not by the insurer's commercial range. What does not change: the referral code must appear on the quote before signature. A policy taken out without that code cannot be attached to a referral afterwards.
When is the Direct Assurance referral bonus paid?
Payment comes a few weeks after the referee subscribes, once the policy has been validated by the insurer. An accepted quote is not enough: as long as the policy is not effective, the referral stays pending. The exact delay depends on the current campaign.
Direct Assurance and AXA: is it the same referral programme?
No. Direct Assurance is AXA's fully online subsidiary, but each brand runs its own programme with its own conditions. You follow the programme of the entity where the policy is actually taken out, without transposing one set of conditions onto the other.
Should the referral link be used before or after the quote?
Before. The referee must go through the referral link and then subscribe in the same flow: it is that step which attaches the policy to the referrer. A quote obtained through another entry point and then signed generally cannot be reattached to the referral afterwards.
Does the referral work if the referee is already a Direct Assurance customer?
No. The programme targets a new policy, not the renewal of an existing one. Someone already insured with Direct Assurance is therefore outside the referral, including when adding a second vehicle. This is worth checking before sharing the link.
Where do you find your Direct Assurance referral link?
The link is personal and is retrieved from the customer area, in the section devoted to referrals. There is no universal code: a link circulating without any indication of its origin rewards the customer who generated it, not the person passing it on.
Does Direct Assurance have branches to follow up a referral?
No, the insurer operates without physical branches: subscription, policy management and referral tracking all happen online or by phone. That is what allows lower premiums, and it is also the trade-off to accept before recommending the brand to someone.
Offer verified on 2026-08-12