Change your borrower insurance in France
You are not always obliged to keep the insurance offered by your bank. We compare and handle the steps.
In France you are generally free to choose a borrower insurance other than your bank’s, provided its cover is equivalent to what the bank requires. The rules depend on your loan: we check what applies to you.
Can I choose my own insurer?
In France, you can generally choose an insurer other than your bank’s, as long as the cover is equivalent to what your bank requires. For a residential mortgage taken by an individual, the change can usually be made at any time. Your exact rights depend on your loan, so we check your documents.
Documents to gather
- Your loan offer
- Your current borrower insurance contract
- Your amortization schedule
- Your ID or passport and proof of address
- Your bank details
What we do
We study your contract, compare the insurers we can offer, check that the cover matches your bank’s requirements and take care of the steps with your bank. If you live abroad, tell us at the first contact.
How it works
- You contact us by phone, WhatsApp, e-mail or at the agency: free analysis, no commitment.
- You send your documents: loan offer, current insurance contract (if any), amortization schedule, ID or passport.
- We study your situation and look for solutions with the insurers we can offer.
- You choose, and we handle the steps with your bank.
Frequently asked questions
Do I need my bank’s agreement?
The bank checks that the new cover is equivalent to what it requires. We prepare the file accordingly.
Can a non-resident change insurer?
Often yes, depending on the insurer’s acceptance. Contact us with your documents.
See also
General information, not legal advice. Cover and acceptance depend on your profile, your project and the insurer’s decision.