Non-resident borrower insurance in France: 30 questions and answers

Often yes, but not with every insurer or bank. We study your profile and look for a solution; acceptance depends on the insurer.

Many insurers and banks do not want to insure people who do not live in France. This is the sticking point we try to resolve.

We look for a contract accepted for a non-resident and present it to the bank, or we replace your current policy.

Often yes. We study each case, for example a second home or a rental investment.

It is choosing an insurer other than the bank’s, with cover equivalent to what the bank requires.

It is replacing the insurance of a loan that has already been signed with another contract offering equivalent cover.

Often yes, subject to the new insurer’s acceptance. Timing rules depend on your loan.

Most steps can be done remotely: e-mail, phone, WhatsApp. We tell you what has to be signed.

No law generally requires it for a mortgage, but banks almost always do.

It depends on the bank and the loan: often death, PTIA, ITT and IPT. We read your loan offer.

Total and irreversible loss of autonomy.

Temporary incapacity for work.

Total permanent disability.

Partial permanent disability, an optional cover depending on the contract.

The loan offer, the current insurance contract if any, the amortization schedule, ID or passport, proof of address and bank details.

It depends on age, health, amount, duration, quota share and cover. We do not give prices without a study.

Not always. We compare equivalent cover, without promising savings.

We can offer death, PTIA, ITT and IPT cover to a partner without professional activity, subject to acceptance.

Yes, it is possible if you want both fully protected, subject to acceptance.

Yes. Each borrower is insured individually; we study both profiles.

Insurance usually concerns each partner individually. We study each profile.

Not necessarily. Our agencies are in Cannes and Paris 18th, but we also advise remotely.

At the agency we speak French and English. The website is available in six languages.

Cannes agency: 4 rue Borniol; Paris 18th agency: 5 rue du Ruisseau.

The insurer bears the risk; the broker compares and distributes contracts and supports the steps.

Yes: some are direct partners, others are insurers you can find in our online comparator and at the agency.

A refusal is not always the last word. We review your file and look for another solution.

Only after the bank agrees to the new one, so that the loan stays insured.

Not in every case: it can be waived under conditions for some individual loans.

Yes, our analysis is free and without commitment.