The Bourquin Amendment Finally Allows for the Renegotiation of One’s Group Borrower Insurance Contract.
L’amendement Bourquin permet enfin de renégocier son contrat d’assurance emprunteur groupe
La renégociation de l’assurance emprunteur : « Une nouvelle opportunité pour les courtiers ? Des économies pour les assurés ? »
by Christophe Said, Commercial Director of Digital Insure
As early as July 2014, the Hamon Law changed the game for all policyholders who had taken out a borrower insurance contract with the bank that granted them the loan. Indeed, each now has a period of 12 months after subscribing to their contract with their bank, to renegotiate it in favor of an insurance delegation at a much lower rate.
A new development emerged on January 1st, 2018, with the Bourquin Amendment, which reinforced the possibility of renegotiating one’s borrower insurance annually, on the anniversary date of the signing of their loan offer. A 2-month notice period is required!
Due to these two significant regulatory developments, policyholders can now freely change their loan insurance and save several thousand euros!
Brokers generate new commercial opportunities, highlight the added value of their advice, and enable their clients to lower the overall cost of their financing.
Changer d'assurance emprunteur devient facile !
Digital Insure has developed completely simplified offers and tools for its partners and their clients to process an insurance change:
- A comparison tool for recognized contracts (CNP Protect, Sérévi Emprunteur Digital, Avenir Naoassur emprunteur Equivalence, and many more coming soon)
- A fully subscription journey digital, unique, and secure with online medical selection and electronic signature
- Automatic configuration of the required coverages by the bank
- Immediate provision of the complete termination kit to the policyholder
- Quote modification remaining at the broker’s discretion until the contract’s effective date
- The medical questionnaire, with a validity of 14 months, ensures immediate processing of all applications and covers the risk of exceeding the 12-month deadline. The borrower insurance contract can thus be finalized even in the following year!
En moins de 30min vous obtenez votre attestation d'assurance !
With our Digital Journey, our partners finalize enrollment applications in less than 30 minutes!
If your daily activities do not always allow you to process all your commercial opportunities, our team of expert tele-advisors can handle everything on your behalf, providing commercial support to your clients and prospects in subscribing to their borrower insurance contract.
