Acheel

Acheel is a French digital insurance company — a néo-assureur that carries its own insurance licence rather than broking someone else's. Founded in 2020 by Ralph Ruimy and Francky Défossé, it received its ACPR agrément and launched in 2021, and now reports more than 800,000 policyholders. ACHEEL SA (879 605 350 RCS Paris) underwrites; ACHEEL FRANCE (ORIAS 21003575) distributes. The range spans nine lines — habitation, auto, santé, animaux, PNO (propriétaire non occupant), emprunteur, scolaire, protection juridique and RC pro — sold 100% digitally, with a quote in about two minutes and subscription in five. Roughly 70% of revenue comes from B2B2C distribution: partner brokers are served under the Charlee brand (charlee.fr, broker portal "Acheel Omega" at back.charlee.fr) and partners embed a per-tenant white-label customer area served from *.widget.acheel.com. Acheel's own partner FAQ stated it makes its APIs available to partners ("nous mettons à votre disposition nos APIs afin de vous faire bénéficier de notre Tech et de nos produits"), but no developer portal, API reference, base URL or machine-readable specification is published anywhere on its public surface; API access travels with a brokerage partnership. Acheel is a certified B Corp.

Acheel is profiled on the APIs.io network. Tagged areas include Company, Fintech Insurtech, Insurance, Insurtech, and Digital Insurance.

Acheel’s developer surface includes support, FAQ, legal docs, and 13 more developer resources.

🌐 Visit website 📡 Source on GitHub

14.6/100 emerging ▬ flat Agent 3/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

0 APIs

Company Fintech Insurtech Insurance Insurtech Digital Insurance Home Insurance Auto Insurance Health Insurance Pet Insurance White Label B2B2C Embedded Insurance France

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 14.6/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 0.8 / 17

Access Clarity 4.7 / 17

Operational Transparency 0.0 / 11

Contract Governance 1.9 / 10

Discoverability 4.9 / 9

Regulatory Posture 4.3 / 15

Agent readiness — 3/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/acheel: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Pricing Plans 1

Published pricing tiers and plan structures.

Acheel Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Acheel Rate Limits

0 limits

RATE LIMITS

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Acheel Domain Security

TLSv1.3 · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

Login

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Components

Components

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 3

Status, limits, changes, and where to get help

RateLimits

RateLimits

Support

Support

FAQ

FAQ

Commercial 4

Pricing, plans, and the legal terms of use

Plans

TermsOfService

PrivacyPolicy

Legal

Company 4

The organization behind the API

Website

About

Partners

Careers

Source (apis.yml)

aid: acheel
name: Acheel
description: 'Acheel is a French digital insurance company — a néo-assureur that carries its own insurance licence rather
  than broking someone else''s. Founded in 2020 by Ralph Ruimy and Francky Défossé, it received its ACPR agrément and launched
  in 2021, and now reports more than 800,000 policyholders. ACHEEL SA (879 605 350 RCS Paris) underwrites; ACHEEL FRANCE (ORIAS
  21003575) distributes. The range spans nine lines — habitation, auto, santé, animaux, PNO (propriétaire non occupant), emprunteur,
  scolaire, protection juridique and RC pro — sold 100% digitally, with a quote in about two minutes and subscription in five.
  Roughly 70% of revenue comes from B2B2C distribution: partner brokers are served under the Charlee brand (charlee.fr, broker
  portal "Acheel Omega" at back.charlee.fr) and partners embed a per-tenant white-label customer area served from *.widget.acheel.com.
  Acheel''s own partner FAQ stated it makes its APIs available to partners ("nous mettons à votre disposition nos APIs afin
  de vous faire bénéficier de notre Tech et de nos produits"), but no developer portal, API reference, base URL or machine-readable
  specification is published anywhere on its public surface; API access travels with a brokerage partnership. Acheel is a
  certified B Corp.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - rate-limits
  - security
  generated: '2026-09-02'
  method: derived
image: https://v2.acheel.com/assets/images/footer/acheel_footer_logo.svg
url: https://raw.githubusercontent.com/api-evangelist/acheel/refs/heads/main/apis.yml
x-type: company
x-source: serena-portfolio
x-tier: profiled
x-tier-reason: portfolio-lead-enriched
specificationVersion: '0.23'
created: '2026-08-17'
modified: '2026-08-17'
tags:
- Company
- Fintech Insurtech
- Insurance
- Insurtech
- Digital Insurance
- Home Insurance
- Auto Insurance
- Health Insurance
- Pet Insurance
- White Label
- B2B2C
- Embedded Insurance
- France
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/acheel-domain-security.yml
- type: Conformance
  url: conformance/acheel-conformance.yml
- type: LLMsTxt
  url: llms/acheel-llms.txt
- type: Plans
  url: plans/acheel-plans-pricing.yml
- type: RateLimits
  url: rate-limits/acheel-rate-limits.yml
- type: Components
  url: components/acheel-components.yml
- type: Website
  url: https://www.acheel.com/
- type: About
  url: https://v2.acheel.com/about-us
- type: Support
  url: https://faq.acheel.com/fr
- type: FAQ
  url: https://faq.acheel.com/fr
- type: Login
  url: https://v2.acheel.com/customer-areas
- type: Partners
  url: https://www.charlee.fr/
- type: Careers
  url: https://v2.acheel.com/join-us
- type: TermsOfService
  url: https://v2.acheel.com/terms-and-conditions
- type: PrivacyPolicy
  url: https://v2.acheel.com/privacy
- type: Legal
  url: https://v2.acheel.com/legal-notice
x-enrichment:
  date: '2026-08-17'
  status: minimal
  artifacts_added: 8
  pass: local-v1
x-coverage:
  state: gated
  reason: sales-gate
  detail: Acheel's own partner FAQ answered "Avez-vous des APIs ?" with "nous mettons à votre disposition nos APIs", but that
    partner site (partners.acheel.com) now 301s to the Charlee broker marketing brand and the only route to the API is the
    broker partnership form at charlee.fr/registration — no reference, no base URL and no spec was ever published, and the
    broker console back.charlee.fr is a noindex login.
  evidence:
  - url: https://partners.acheel.com/
    status: 301
  - url: https://www.charlee.fr/registration
    status: 200
  - url: https://back.charlee.fr/
    status: 200
  - url: https://v2.acheel.com/openapi.json
    status: 404
  - url: https://api.acheel.com/
    status: 0
  checked: '2026-08-17'

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