Automobile, health … These days, all insurances are increasing. Except one: borrower insurance. For fifteen years, the premiums have only dropped for this coverage which covers the reimbursement of your mortgage in the event of dismissal, accident, illness or death. The discount reaches 40 % between 2010 and today, according to calculations by Actélior. The fruit of a succession of liberalization measures of this market, whose Lemoine law, established in 2022, constitutes the last step.
“Before 2010, the bank could refuse your request for a change in borrower insurance. She only accepted if you were a young dynamic executive whom she wanted to keep as a client ”recalls David Echevin, Managing Director of Actélior.
A wind of freedom rises in 2010, when the Lagarde law then allows you to choose another actor than its bank to ensure its loan. Then, in 2014, the Hamon law authorized to change provider at any time during the year of the borrowing. The prices of borrower insurance then begin to fall, from 20 % to 41 % depending on the profiles, notes, in 2020, the financial sector advisory committee (CCSF). Finally, in 2022, the Lemoine law made possible the presentation to its lender of a new insurance contract at any time in the life of the loan. If the new level of guarantees is equivalent to that of the group insurance that it has previously made you subscribe, your bank must accept it within ten days.
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