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 2026** 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 2026Insurance 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 | Shared, often less advantageous for young people or risk-free profiles. | ✅ **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 | None. You are subscribing to a unique contract. | ✅ **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.
Yes. The Lemoine law allows you to change your loan insurance at any time, from the day after the signing of your loan offer, without any fees or penalties.
No, as long as the contract you propose adheres to the equivalence of guarantees. The bank cannot penalize you (e.g., by increasing your credit rate) if you choose an external insurance.
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%.
