[Innovation Ambassadors] Indicar: Vehicle Reliability as-a-service 

May 11, 2026

The Innovation Ambassadors program, which includes 5 winners among 102 innovative projects submitted from 24 entities worldwide in 2025, shows that innovation can be found everywhere at
BNP Paribas Cardif! 

Briefly introduce yourself

My name is Charles Druguet, I am a UX/UI Designer within the Innovation and New Business Models team at Icare. I work on all digital tools, both internal and external, intended for our partners. Icare is my first professional experience; I joined the Indicar team just before incubation at BivwAk!. I was able to design the UX and UI of the demonstrator, with the goal of making the indicators clear and useful for our clients and partners. Outside of work, I am passionate about sports, particularly rugby and boxing; and I enjoy following economic and financial news.

Hello, my name is Stéphane Leguet and I work at Icare, a subsidiary of BNP Paribas Cardif specializing in mechanical breakdown coverage and maintenance contracts for the automotive market, based in Boulogne-Billancourt near Paris in France. When I arrived in 2021, I had the chance to create the Innovation and New Business Models team. With Charles, our mission is to develop digital services that go beyond insurance, to create value for our partners and our clients.

Stéphane
Indicar was born from a simple observation: there is an expertise imbalance between professional sellers and private buyers of used vehicles. Our goal is to democratize access to technical data, such as reliability, parts prices, and risk of damages, to make private purchases safer.

Charles
Today, Indicar comes in several technical solutions for our partners, including a widget and an API. The widget integrates very quickly, in just a few hours. And the API version allows our partners to maintain control over their editorial line. Indicar is also an online demonstrator designed as a sales support tool for Icare’s sales team and our prospects.

How does your initiative correspond to the category won? 

Stéphane
From the beginning, we involved the client in our process. We built Indicar in 3 key steps:

  • Step 1 : After a 2-week Design Sprint, we presented mock-ups to about ten passersby on the street to validate our ideas.
  • Step 2 : We created a mini-site that attracted over 4,000 visitors to test user interest and gather feedback. The conversion rate was very high, allowing us to get an internal GO to continue.

Charles

  • Step 3 : We created an MVP developed in agile mode. This incubation stage at Bivwak was very intense. Every two weeks, we organized presentations for internal and external partners to share the progress of the developments, gather their feedback, and integrate their requests into the solution. This allowed us to quickly create concrete use cases, aligned with their needs.

We owe Indicar’s success to cross-functional collaboration between Icare’s Data, Marketing, and Operations teams and to the methodological expertise of the Cardif Lab team.
In summary, Indicar embodies the spirit of innovation driven by the client and the partner.

What are the next steps for your initiative? 

Stéphane
After being the first widget integrated on Cardif’s API Store, Indicar’s API is now live with a partner in Portugal and we are in discussions to extend it to other partners and other regions

Charles
On the development side, we continue to refine the tool based on field feedback, to maximize its impact and adoption.

What are your tips for innovating at BNP Paribas Cardif? 

Stéphane
My advice?
Find a concrete problem to solve for your clients, your partners, or your colleagues. Start small and quickly to validate your hypotheses where to focus, and find an internal sponsor who believes in your initiative.

Charles
For me, innovation at BNP and Icare goes through the involvement of all professions. It is necessary to share as much information as possible, involve as many people as possible to bring out ideas, and above all, exchange a lot. Feedback from partners and other departments brings perspectives that we do not always have internally. Sharing and collaboration are key!