35 Rue Alexandre Reverchon, 01170 Gex
35 Rue Alexandre Reverchon, 01170 Gex
The **mortgage loan insurance** is essential for any credit purchase. Since the Lemoine law, you are free to choose an external contract to your bank, which is called **insurance delegation**.
This strategic choice can save you **up to €18,000** over the total duration of your loan.
Our guide and **borrower's insurance simulator 2025** is designed to help you compare the best offers on the market and find the most suitable contract for your profile.
Calculate the exact cost for your project and discover the most economical contracts with equal guarantees.
Launch the comparator 2025Insurance delegation allows you to take out a loan insurance with the insurer of your choice. The only condition imposed by the bank is that this new contract must offer a level of guarantees at least equivalent to its own. This freedom of choice is the main lever to significantly reduce the total cost of your mortgage.
Un bon contrat d'assurance emprunteur doit couvrir plusieurs risques majeurs :
The choice isn't just about the price. Here are the main differences:
| Criterion | Bank insurance (group) | External insurance (delegation) |
|---|---|---|
| Tarification | Mutualisée, souvent moins avantageuse pour les jeunes ou les profils sans risque. | ✅ **Individuelle**, basée sur votre profil réel. Souvent bien moins chère. |
| Garanties | Standardisées, peu personnalisables. | ✅ **Sur-mesure**, vous pouvez choisir des garanties renforcées selon vos besoins. |
| Flexibilité | Nulle. Vous adhérez à un contrat unique. | ✅ **Totale**. Vous êtes libre de choisir et de changer de contrat à tout moment. |
The only way to know the potential savings is to compare. Our free simulator provides a reliable overview of the best market offers in just a few clicks.
Oui. La loi Lemoine vous autorise à changer d'assurance de prêt à n'importe quel moment, dès le lendemain de la signature de votre offre de prêt, sans frais ni pénalité.
Non, tant que le contrat que vous proposez respecte l'équivalence de garanties. La banque ne peut pas vous pénaliser (ex: en augmentant votre taux de crédit) si vous optez pour une assurance externe.
The quota is the portion of the capital that the insurance commits to repay. If you borrow alone, it must be 100%. For two borrowers, the total quotas (e.g., 50/50 or 100/100) must be at least 100%.
