Posted In:

Insurance


FinTech Collective Invests in Grâce

Published:

Apr 03, 2025


Authors:

Toby Triebel

Samantha Wulfson

Posted In:

Insurance

Published:

Apr 03, 2025


Authors:

Toby Triebel

Samantha Wulfson


Share:

We are thrilled to announce FinTech Collective’s lead role in the €5.9m raised by Grâce, a Paris-based company redefining embedded insurance for the global luxury goods industry. This investment positions Grâce to transform how brands engage with clients post-purchase—beginning with theft and loss coverage for high-value items.

Today there is no embedded insurance solution available to luxury brands. Consumers can add coverage for specific items under their own policies, but these processes are onerous, with legacy insurance interfaces and long claims timelines lasting 6+ weeks.

By embedding coverage directly into the luxury purchase experience, Grâce is redefining luxury brands’ relationship with clients. The solution not only reduces claims timelines from several weeks to 48 hours, but also allows brands to deepen customer engagement through proactive communication, seamless claims handling, and ongoing data collection. As luxury retail evolves toward service-centric differentiation, Grâce empowers brands to offer meaningful protection without introducing operational complexity.

Company Description


Grâce was founded in 2022 and offers an embedded B2B insurance product to luxury brands. Through Grâce's innovative structure, brands are able to insure 100% of their goods sold worldwide, thus mitigating adverse selection. Brands cover the cost of this insurance, in turn offering customers a superior experience when handling claims related to theft and loss.

This model, which covers loss and theft today, provides a regulated, automated, and brand-controlled experience. Importantly, Grâce ensures only approved claims are escalated to the brand—allowing companies to step in for top customers while Grâce handles the rest. This helps preserve brand equity and trust in delicate, high-emotion scenarios. Validated by the market, Grâce is already onboarding flagship brands.

FTC Summary


We first connected with Grâce early in their journey and were immediately impressed by the complementarity of the founding team – Quentin’s laser focus on execution, Martin’s technical leadership, and Lou’s ability to forge relationships with the most well-known global brands. Together they have built a product that did not previously exist, surrounded themselves with world-class advisors from LVMH, AXA Luxe, AIG, Chubb, and Hiscox, among others, demonstrating deep empathy for both brands and their customers.

Our long-standing interest in embedded finance and insurance made Grâce a natural fit for FinTech Collective. The product sits at the convergence of wealth management and protection for the next generation of luxury consumers—those who aspire to ownership but often without the financial backing or traditional insurance resources to protect them. Gen Z now drives 75% of luxury purchases, and Grâce offers a future-proof way for brands to better serve them.

This investment expands FinTech Collective’s footprint in France and underscores our belief in founders who combine ambition, creativity, and grit to reshape overlooked and legacy verticals. We’re excited to partner with Grâce as they create a new category at the intersection of luxury, insurance, and embedded technology.

Select Media Highlights


TechCrunch - Grace raises €5.9M seed to offer insurance to luxury goods

Les Echos - Grace, la start-up qui assure les produits de luxe

WWD - French Fintech Grace Raises 5.9 Million Euros for Its Luxury Good Theft and Loss Coverage Solution

TFN - French podcaster Lou Dana raises €5.9M for GRACE to enable 5-minute incident reporting in luxury insurance

FinSMEs - Grace Raises €5.9M in Seed Funding

Share:

Previous Article:
FinTech Collective Expands European Presence with Takeover of Nordic Manager
The views expressed here are those of the individual FinTech Collective LLC (together with its affiliates “FTC”) personnel quoted and are not the views of FTC or its affiliates. Certain information contained in here has been obtained from third-party sources, including from portfolio companies of funds managed by FTC. While taken from sources believed to be reliable, FTC has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation. In addition, this content may include third-party advertisements; FTC has not reviewed such advertisements and does not endorse any advertising content contained therein.

Any designations found herein have been made by a third party, and although FTC has no reason to believe that such designations, or the criteria for being considered for such designations, are inaccurate or misleading, FTC does not guarantee its accuracy, and such designations may be incomplete or condensed. No compensation was paid in exchange for any designations, endorsements, or testimonials found herein. The hyperlinks referred to herein are provided for your reference only.

This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. This content does not constitute an offering or form part of any offering or any solicitation of any offer to subscribe to or purchase any investment by FTC, nor shall it or the fact of its distribution form the basis of, or be relied upon in connection with any contract therefore. Any such offer will be made only by means of definitive investment offering documents. The information included herein is subject to change without notice to any recipient. Any investments or portfolio companies mentioned, referred to, or described are not representative of all investments in vehicles managed by FTC, and there can be no assurance that the investments will be profitable or that other investments made in the future will have similar characteristics or results. A list of investments made by funds managed by FTC (excluding investments for which the issuer has not provided permission for FTC to disclose publicly as well as unannounced investments in publicly traded digital assets) is available at https://www.fintech.io/portfolio and graphs provided within are for informational purposes solely and should not be relied upon when making any investment decision. Past performance is not indicative of future results. The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others. Please see https://www.fintech.io/disclosures for additional important information.