Changing your mortgage insurance in France when you live abroad

You signed your French mortgage and now live outside France? You can often replace the insurance. Here is how, and the trap to avoid.

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After signing, loan insurance can generally be replaced (substitution) by a contract with equivalent cover. Timing rules depend on your loan: we check what applies to you.

Can I still change after signing?

In France, it is generally possible to replace the insurance of a loan after signing, provided the new contract offers cover equivalent to what the bank requires. The right to change at any time under the Lemoine law is aimed first at residential mortgages taken by individuals; we check what applies to your loan and your non-resident situation.

Why non-residents change

The cost is too high for the same cover
The policy was questioned after a move abroad
The cover no longer fits your situation

Never cancel before the bank agrees

Do not cancel your old policy before the bank has accepted the new one: your loan must stay insured at all times. We manage the sequence.

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

Can a non-resident change insurer?

Often yes, subject to the new insurer’s acceptance and to equivalent cover.

How long does it take?

It depends on the insurer and the bank’s answer. We give you timings during the study.