The French VTC and Taxi insurance market is currently going through a particularly significant situation.
Since the end of September 2026, Wakam has temporarily been unable to underwrite new contracts or renew existing ones.
Yet, Wakam had become a major risk carrier behind several VTC and Taxi offers distributed to French brokers by various wholesale brokers.
For many firms, the consequences are immediate.
Brokers who until now placed their VTC and Taxi business with +Simple, Zéphir, Axece, or Solly Azar are currently seeing their solutions using Wakam suspended for new subscriptions as well as for the relevant renewals.
This creates a twofold problem:
- how to insure new VTC and Taxi clients?
- how to gradually replace Wakam contracts reaching their maturity date?
KT Courtage continues to have an MFA solution available to review VTC and Taxi files, for both individuals and fleets.
Why are Wakam VTC and Taxi solutions currently suspended?
On September 25, 2026, the Prudential Supervision and Resolution Authority (ACPR) took a precautionary and temporary measure concerning Wakam.
This decision temporarily prohibits the insurer from:
- underwriting new contracts;
- renewing existing commitments.
However, contracts currently in force remain valid until their expiration and continue to be managed.
The problem therefore mainly concerns new business and upcoming expiration dates.
For brokers specializing in VTC and Taxi insurance, the impact is particularly significant due to the position Wakam had taken as a risk carrier for several programs on the market.
+Simple, Zéphir, Axece, Solly Azar: several solutions affected simultaneously
This is one of the peculiarities of the current situation.
For a broker, it might have seemed that there were several different solutions to place a VTC or Taxi file:
- +Simple;
- Zéphir;
- Axece;
- Solly Azar.
These actors are indeed distinct.
But for the VTC and Taxi programs concerned, Wakam acted as the risk carrier.
The measure affecting Wakam therefore has simultaneous repercussions on several distribution channels that brokers were using until now.
Solly Azar has also publicly announced the temporary suspension of its new Taxi-VTC subscriptions.
At KT Courtage, we also work with +Simple, Zéphir, and Axece and are currently witnessing the cessation of new subscriptions and relevant renewals for their VTC/Taxi solutions using Wakam.
For brokers who are partners of these actors, it is now necessary to seek alternative capacity.
Several wholesalers do not necessarily mean several risk carriers
The current situation illustrates an essential distinction in how brokerage operates.
The wholesale broker distributes and potentially manages the product.
But they are not necessarily the insurer.
Behind them is the risk carrier, i.e., the insurance company that legally guarantees the contract.
A broker could therefore have had several agreements with different wholesalers while being, without necessarily immediately measuring the concentration, exposed to the same insurer.
This is precisely what is happening today with Wakam on a portion of the VTC and Taxi market.
The immediate problem: new VTC and Taxi business
The first consequence is obvious.
Today, you receive a request for:
- a new VTC driver;
- a new Taxi;
- a vehicle change;
- a business start-up;
- a client wishing to change insurers.
Previously, you were used to forwarding the file to one of your partner solutions.
If it was based on the Wakam program that is now suspended, you must now find another capacity.
For a VTC/Taxi specialized firm, this situation can quickly represent several files per week.
And when no solution is available, the risk is also commercial: the client may leave for a competitor who still has capacity.
The second problem: renewals will arrive gradually
This is probably the most important challenge for the coming months.
Wakam contracts currently in force do not disappear immediately.
They continue until their expiration.
But as long as the renewal ban remains in force, the affected contracts cannot be renewed by Wakam at their next expiration date.
This means that a firm with a large portfolio of VTCs or Taxis must potentially replace a portion of its clients gradually.
For example, a portfolio of 120 contracts distributed regularly throughout the year theoretically represents about ten expiration dates each month.
Therefore, you must not only find a solution for new files.
You must also anticipate the expiration dates of the existing portfolio now.
Identify your Wakam contracts now
If you work with +Simple, Zéphir, Axece, Solly Azar, or other intermediaries that have used Wakam, start by mapping your portfolio.
For each VTC or Taxi contract, identify:
- the wholesaler;
- the risk carrier;
- the expiration date;
- the vehicle;
- the driver;
- the bonus-malus coefficient;
- the claims history;
- the guarantees currently subscribed to;
- the premium amount.
You can then rank your clients according to their next expiration date.
Contracts reaching maturity in October, November, or December 2026 must naturally be prioritized.
KT Courtage retains an MFA capacity for VTC and Taxi
In this particularly tense context, KT Courtage continues to have its MFA solution available to support its broker partners.
MFA – Mutuelle Fraternelle d'Assurances – is historically specialized in the insurance of passenger transport professionals.
Founded in 1930 at the initiative of Taxi drivers, it continues today to offer contracts dedicated to this activity.
Thanks to our partnership, KT Courtage can continue to review VTC and Taxi files despite the current cessation of the relevant Wakam programs.
An MFA solution for individual files
Do you have an individual VTC or Taxi driver to insure?
KT Courtage can review the file as part of its MFA solution.
This notably allows us to respond to requests concerning:
- a new VTC client;
- a new Taxi;
- a business start-up;
- a vehicle change;
- a client reaching their expiration date;
- a Wakam contract to be replaced.
Each risk naturally remains subject to MFA's underwriting criteria and acceptance.
An MFA solution for VTC and Taxi fleets
The capacity available via KT Courtage does not only concern individual files.
We can also review VTC and Taxi fleets.
This solution may be of interest to brokers working with:
- companies operating several VTCs;
- companies owning a Taxi fleet;
- fleet managers;
- passenger transport companies;
- structures with multiple vehicles and drivers.
The review depends notably on the composition of the fleet, its history, and its claims record.
MFA also has contractual conditions dedicated to automobile fleets and Taxi fleets.
KT Courtage operates in co-brokerage
This is an essential point of our proposition.
KT Courtage is not there to take over your client.
Our model is based on co-brokerage.
You retain your commercial relationship with your client.
KT Courtage allows you to access its capacity and works alongside you to enable the placement of the file.
For the partner broker, the objective is therefore simple:
continue to support your VTC and Taxi clients without having to abandon them for lack of a solution.
How to become a KT Courtage partner?
The process is intentionally simple.
You send us a first complete VTC or Taxi file.
A co-brokerage agreement is put in place to manage our collaboration.
Once the partnership is established, you can send us:
- your new business;
- your vehicle changes;
- your individual files;
- your fleets;
- your Wakam contracts reaching maturity and requiring replacement.
Our team verifies the necessary elements before transmission for review.
What documents to send?
To allow for an effective review, send us a complete file including, in particular:
- KBIS (business registration certificate);
- registration certificate or purchase order;
- driver's license (front and back);
- VTC or Taxi professional card (front and back);
- information report covering the last 36 months;
- full client contact details;
- address;
- parking location;
- exact trim level of the vehicle.
Depending on the risk, additional documents may naturally be requested.
Anticipate your expiration dates instead of waiting for non-renewals
If your firm has several dozen or several hundred VTC/Taxi contracts using Wakam, we recommend that you do not treat the situation file-by-file only when the expiration date arrives.
You can identify upcoming expiration dates now and gradually send us files that may need replacement.
This anticipation allows you to:
- smooth out the processing of files;
- verify their eligibility;
- identify potential difficulties;
- present a new solution to the client early enough;
- limit the risk of insurance coverage gaps;
- above all, retain your client.
Were you using +Simple for your VTC or Taxi files?
If your usual program using Wakam is currently suspended, KT Courtage can review your files with MFA.
This concerns both new business and contracts to be replaced at their expiration date.
Were you using Zéphir for your VTC or Taxi files?
Same issue: if your VTC/Taxi solution relied on Wakam and currently no longer allows you to subscribe or renew, you can send us the concerned files for review.
Were you using Axece for your VTC or Taxi files?
KT Courtage also works with Axece and is aware of the problem currently encountered on the relevant solutions.
Our MFA capacity can be an alternative to continue reviewing your VTC and Taxi files.
Were you using Solly Azar for your VTC or Taxi files?
Solly Azar has officially announced the temporary suspension of new subscriptions for its Taxi-VTC product following the cessation of commercialization of its partner insurer Wakam's offers.
If you were using this solution, KT Courtage can also review your new files and anticipate the upcoming expiration dates of your portfolio.
Do not lose your VTC and Taxi clients for lack of a solution
The temporary disappearance of an insurance capacity does not necessarily have to mean the loss of your client.
If your usual solutions via +Simple, Zéphir, Axece, or Solly Azar no longer allow you to place your concerned VTC and Taxi files, KT Courtage still has its MFA capacity.
We can review:
- individual VTCs;
- individual Taxis;
- VTC fleets;
- Taxi fleets;
- new business;
- vehicle changes;
- Wakam contracts to be renewed upon expiry.
All this within the framework of a co-brokerage relationship, allowing you to maintain your relationship with your client.
Become a KT Courtage partner
Are you an insurance broker whose usual VTC/Taxi solution is currently suspended?
Did you use +Simple, Zéphir, Axece, or Solly Azar to place your files?
Are you starting to receive Wakam contracts that need to be renewed?
KT Courtage can give you access to its MFA solution for your VTC and Taxi files, both individual and fleet.
Contact us or fill out our Become a partner form to speak with our team.
We will present how the partnership works, the underwriting criteria, the file submission process, and the terms of the co-brokerage.
Continue to support your VTC and Taxi clients. KT Courtage provides you with an MFA capacity to review your new business and contracts to be renewed.