# Acheel

**Canonical:** https://apis.io/providers/acheel/  
**Website:** https://www.acheel.com/  
**APIs profiled:** 0

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.

## Kin Score — 14.6 / 100 (emerging)

Scored 2026-09-08 under rubric 0.20.0. Trend: flat (+0.0 from 14.6).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 4.8 |
| Commercial Clarity | 27.6 |
| Access Clarity | 27.6 |

Regulatory layer — **Insurance**: 28.8 (matched via tags).

## Agent readiness — 2.5 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Acheel Domain Security** — TLSv1.3 · DMARC

## Plans (1)

- **Acheel Plans Pricing**

## Tags

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

---

Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/acheel/). Scores are computed from the provider's own public artifacts under a published rubric.