{"id":39459,"date":"2019-02-08T15:06:29","date_gmt":"2019-02-08T14:06:29","guid":{"rendered":"https:\/\/www.digital-insure.fr\/the-bourquin-amendment-finally-allows-for-the-renegotiation-of-ones-group-borrower-insurance-contract\/"},"modified":"2025-10-21T15:22:17","modified_gmt":"2025-10-21T13:22:17","slug":"the-bourquin-amendment-finally-allows-for-the-renegotiation-of-ones-group-borrower-insurance-contract","status":"publish","type":"post","link":"https:\/\/www.digital-insure.fr\/en\/the-bourquin-amendment-finally-allows-for-the-renegotiation-of-ones-group-borrower-insurance-contract\/","title":{"rendered":"The Bourquin Amendment Finally Allows for the Renegotiation of One’s Group Borrower Insurance Contract."},"content":{"rendered":"
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\u00c9V\u00c9NEMENTS<\/div>\n
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L\u2019amendement Bourquin permet enfin de ren\u00e9gocier son contrat d\u2019assurance emprunteur groupe<\/h2>\n <\/div>\n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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La ren\u00e9gociation de l\u2019assurance emprunteur : \u00ab Une nouvelle opportunit\u00e9 pour les courtiers ? Des \u00e9conomies pour les assur\u00e9s ? \u00bb <\/h2>\n <\/div>\n \n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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by Christophe Said, Commercial Director of Digital Insure<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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As early as July 2014, the Hamon Law<\/strong> 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<\/strong> to their contract with their bank, to renegotiate it in favor of an insurance delegation at a much lower rate. <\/p>

A new development emerged on January 1st<\/sup>, 2018, with the Bourquin Amendment<\/strong>, which reinforced the possibility of renegotiating one’s borrower insurance annually, on the anniversary date of the signing of their loan offer<\/strong>. A 2-month notice period is required!<\/strong><\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"Christophe\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Due to these two significant regulatory developments, policyholders can now freely change their loan insurance and save several thousand euros!<\/p>

Brokers generate new commercial opportunities, highlight the added value of their advice, and enable their clients to lower the overall cost of their financing.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Changer d'assurance emprunteur devient facile !<\/h2>\n <\/div>\n \n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Digital Insure has developed completely simplified offers and tools for its partners and their clients to process an insurance change:<\/strong><\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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  • A comparison tool<\/strong> for recognized contracts (CNP Protect, S\u00e9r\u00e9vi Emprunteur Digital, Avenir Naoassur emprunteur Equivalence, and many more coming soon)<\/li>
  • A fully subscription journey<\/strong> digital<\/strong>, unique, and secure with online medical selection<\/strong> and electronic signature<\/li>
  • Automatic configuration of the required coverages<\/strong> by the bank<\/li>
  • Immediate provision of the complete termination kit<\/strong> to the policyholder<\/li>
  • Quote modification<\/strong> remaining at the broker’s discretion until the contract’s effective date<\/li>
  • The medical questionnaire<\/strong>, with a validity of 14 months<\/strong>, 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! <\/li><\/ul><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    En moins de 30min vous obtenez votre attestation d'assurance !<\/h2>\n <\/div>\n \n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    With our Digital Journey, our partners finalize enrollment applications in less than 30 minutes!<\/strong><\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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    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.<\/p><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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    \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"Digital\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

    \u00c9V\u00c9NEMENTS L\u2019amendement Bourquin permet enfin de ren\u00e9gocier son contrat d\u2019assurance emprunteur groupe La ren\u00e9gociation de l\u2019assurance emprunteur : \u00ab Une nouvelle opportunit\u00e9 pour les courtiers ? Des \u00e9conomies pour les assur\u00e9s ? \u00bb by Christophe Said, Commercial Director of Digital Insure As early as July 2014, the Hamon Law changed the game for all policyholders […]<\/p>\n","protected":false},"author":11,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[100],"tags":[],"class_list":["post-39459","post","type-post","status-publish","format-standard","hentry","category-event"],"_links":{"self":[{"href":"https:\/\/www.digital-insure.fr\/en\/wp-json\/wp\/v2\/posts\/39459","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.digital-insure.fr\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.digital-insure.fr\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.digital-insure.fr\/en\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.digital-insure.fr\/en\/wp-json\/wp\/v2\/comments?post=39459"}],"version-history":[{"count":1,"href":"https:\/\/www.digital-insure.fr\/en\/wp-json\/wp\/v2\/posts\/39459\/revisions"}],"predecessor-version":[{"id":39460,"href":"https:\/\/www.digital-insure.fr\/en\/wp-json\/wp\/v2\/posts\/39459\/revisions\/39460"}],"wp:attachment":[{"href":"https:\/\/www.digital-insure.fr\/en\/wp-json\/wp\/v2\/media?parent=39459"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.digital-insure.fr\/en\/wp-json\/wp\/v2\/categories?post=39459"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.digital-insure.fr\/en\/wp-json\/wp\/v2\/tags?post=39459"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}