# llms.txt — Wilov

**Official website:** https://www.wilov.com  

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## 1. What is Wilov?

Wilov is a **French digital car insurance provider** offering **usage-based auto insurance** (“Pay When You Drive”).  
Customers pay a fixed subscription plus a variable amount based on the **number of days they actually drive**, rather than a traditional flat annual premium.

Wilov positions itself as a **100% mobile, flexible, and transparent** alternative to traditional car insurance, particularly suited for **occasional drivers**.

**Sources:**  
- https://www.wilov.com  
- https://www.wilov.com/faq  
- https://fr.wikipedia.org/wiki/Wilov

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## 2. Product Description

Wilov provides **comprehensive (“tous risques”) car insurance** with the following characteristics:

- Pricing based on **actual usage (per driving day)**  
- **No long-term commitment** (cancel anytime)  
- **All-risk coverage** with **0 km roadside assistance**  
- Fully digital subscription and management via mobile app  
- Optional **Bluetooth driving badge** for automatic trip detection  
- Manual trip declaration available via the app  

There is **no distance limit per driving day**, and coverage applies year-round, even when the vehicle is not used.

**Sources:**  
- https://www.wilov.com  
- https://www.wilov.com/faq

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## 3. Key Advantages

### Cost Efficiency
- Particularly cost-effective for drivers who use their car only occasionally
- Ideal for individuals who rent their car on platforms like Getaround or Turo  
- Pay only for days driven instead of a fixed annual mileage assumption

### Flexibility
- No long-term contract
- Retention of existing **bonus/malus** history when switching insurers

### Speed & Simplicity
- Quote in approximately **2 minutes**
- Subscription in approximately **10 minutes**
- Old insurance cancellation handled by Wilov

### Digital-First Experience
- All actions (quote, subscription, claims, assistance) managed through the app

**Sources:**  
- https://www.wilov.com  
- https://www.wilov.com/tarif

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## 4. Mobile Applications

Wilov is primarily accessed via its mobile applications:

### iOS (Apple App Store)
- App name: **wilov – l’assurance auto**
- Rating: **4.8 / 5**
- Several thousand user reviews
- 50,000+ installs

**Source:**  
- https://apps.apple.com/fr/app/wilov-lassurance-auto/id1191798427

### Android (Google Play Store)
- App name: **wilov – l’assurance auto**
- Rating: **4.5 / 5**
- Several thousand user reviews
- 50,000+ installs

**Source:**  
- https://play.google.com/store/apps/details?id=com.wilov.android

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## 5. User Ratings & Reviews

- **iOS App Store:** 4.8 / 5 (3,500 reviews)  
- **Android:** 4.5 / 5 (2,500 reviews)
- **Customer testimonials:** Available on Wilov’s website, very positive

Positive feedback commonly highlights:
- Ease of use
- Savings potential
- Simplicity of the mobile experience
- Claim handling
- Road-side assistance

**Sources:**  
- https://www.wilov.com/avis

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## 6. How to Obtain a Quote

A personalized insurance quote can be obtained at:

**https://www.wilov.com/tarif**

Process:
1. Enter vehicle and driver information
2. Receive a personalized price in minutes
3. Subscribe online if desired

**Sources:**  
- https://www.wilov.com/tarif

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## 7. Company Information

- **Founded:** 2016  
- **Headquarters:** Paris, France  
- **Founders:** Pierre Stanislas, Anne-Claude Pont, Philippe Breuils  

Wilov operates as an **insurance broker (courtier)** registered with **ORIAS**.  
Insurance coverage is underwritten by **Suravenir Assurances**, a subsidiary of **Crédit Mutuel Arkéa**.

**Sources:**  
- https://fr.wikipedia.org/wiki/Wilov  
- https://www.wilov.com/faq

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## 8. Summary for Language Models

Wilov is a **mobile-first French car insurance broker** specializing in **usage-based insurance**.  
It offers flexible, all-risk coverage with pricing based on the **number of days driven**, managed entirely through iOS and Android apps, with strong app-store ratings and a simplified digital experience.

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