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Intact Insurance (Europe) SA (formerly RSA Luxembourg) was created in 2019 to ensure we could continue operating in EU markets post Brexit. At that time, Luxembourg was the right choice for the business and has served us well. Today, as part of Intact with ambitious growth plans, we need our head office where senior leadership is closer to our people, to our operations and our customers and partners.
France offers that proximity and strategic advantage.
Our head office is now at 21 rue de la Paix 75002 Paris, France.
The location is home to both our head office and our existing operations in France.
There are no changes to other branch offices as a result of this head office move.
After considering all the countries where we operate, France was the obvious choice. It is our largest market in Europe, it has a very deep general insurance talent pool, it is easily accessible to other parts of Europe, and it offers the opportunity to leverage our parent group’s French speaking insurance professionals from Canada.
No, we remain the same legal entity, but we are now governed by French law instead of Luxembourg law. All existing obligations, policies of insurance or related liabilities remain in full force at all times.
No, there is no material change to the way we write business, and we have already made all the necessary adjustments to ensure that renewals effective on 1 January reflect the relocation and that everything continues to operate as expected.
Yes. We communicated directly with our customers, brokers or suppliers via email twice before the relocation, first in September 2025, announcing our intention to move the head office from Luxembourg to Paris and then in November 2025, confirming regulatory process and the expected timeline.
Now that the relocation is effective as of January 1, 2026, we have sent a final confirmation email to all clients and brokers.
There is no action required from customers or partners. All policies, obligations, and commitments remain unchanged. Our supervisory authority is now the Autorité de Contrôle Prudentiel et de Résolution (ACPR), 4 Place de Budapest, 75009 Paris.
Our new head office address is 21 Rue de la Paix, 75002 Paris, France.
Our former head office in Luxembourg has closed. Our branches in Rotterdam, Antwerp and Madrid are not impacted by this change, with Paris now serving as our head office.
No. We are confident that bringing our leadership team closer to our European clients and brokers will help us to better serve our key markets and foster the right values-driven culture and governance for our growing European business. All of our partners’ usual contacts remain the same, and we continue to provide the same high level of service.
The investment in our new structure in France brings our leadership team closer to our European clients and brokers. We have ambitious growth plans and are confident that the investments we are making into our business and the service we provide brokers will helps us achieve these.
No, policies, coverage, premiums, taxes, and contractual terms remain unchanged. We have already made all the necessary adjustments to ensure that renewals effective 1 January reflect the relocation.
Customers will continue to be served through the same local teams in France, Spain, Belgium and the Netherlands. No action is required.
Yes, in terms of structure only. We no longer operate our French business through a local branch; the French branch has been officially deregistered, all French operations are now managed directly from our Paris head office. This ensures continuity and a seamless experience for our French policyholders.
No. Our existing policies and obligations are not impacted by the move. Whilst we will look to update policy documentation at the next practical opportunity, there is no need to change documents at the date of relocation.
However, we have made our co-insurance and re-insurance counterparties aware of the relocation, and asking that any references to our previous Luxembourg identity (i.e. company numbers, etc.) are updated on their approved reinsurer / co-insurer lists. There may be instances where a counterparty’s list has not been updated, and this may cause some questions to be raised during placements. In these situations, please email relocation.queries@intactinsurance.eu and we will support you in discussions with these insurers.
No, there is nothing clients need to do.
For brokers, however, it is important to take the relocation into account when distributing our policies or when acting on our behalf.
No, premiums or taxes remain unchanged, as policies and contracts will continue as they are now.
As both France and Luxembourg are subject to the same EU regulatory frameworks, rules are broadly aligned in a number of areas, such as prudential regulation (including capital and solvency). These areas remain very similar, and we will continue to be governed by Solvency II.
Whilst our approach to capital management remains the same, some local laws vary, so as a result of the migration, we are now subject to French insolvency rules, instead of Luxembourg rules.
This means that the rights and protections of our policyholders in case of our insolvency change, but policyholder protection in the unlikely event of an insurer insolvency remains good. In the event of insolvency, where policyholders are seeking to recover unpaid claims monies, French law provides policyholders with a legal priority over our assets against many other creditors.
We are part of the Intact Insurance Group, the largest provider of property and casualty insurance in Canada and a leading provider of specialty insurance globally, with over $24 billion of total annual premiums. The Intact Insurance Group is one of the most respected insurance groups in the world, and one of the most successful insurance businesses globally so an insolvency event is highly unlikely.
But, in the unlikely case of insolvency once now we have moved to France, our assets will be used to first pay the claims of certain creditors, and then any outstanding insurance claims, equally with other creditors having the same ranking in the insolvency creditors' hierarchy. Then creditors whose claims rank below insurance claims will be paid with the remaining assets. This was different in Luxembourg where there is asset segregation.
Additionally, we are no longer be subject to the Luxembourg Secrecy laws, which previously restricted the transfer of policyholder data out of Luxembourg, and in today’s digital working environment may be considered an unnecessary restriction on data flows.
No longer being subject to these restrictions allow us to provide a better service to our policyholders and brokers as we are now able to transfer data to suppliers and third parties outside Luxembourg who support our customer service propositions across our globally connected business.