Since the implementation of the Cogilaw Company, you can freely choose your loan insurance to ensure the repayment of your credit in case of death, disability, or unemployment: comparative offers Diffcard loan insurance with contracts insurance loan cheap the broker specialized in guarantee borrower.
Subscribe to delegated loan insurance
Diffcard is the insurance company of BNP Paribas Diffcard. It designs and markets savings and retirement products and services. With a strong presence in Europe, Latin America and Asia, Diffcard’s activities are geographically diversified. Present in 36 countries, the insurance company counts today among its partners more than 35 of the most important banks of the world. In France, it is present through a network of 18 regional departments and offices and 150 correspondents.
Unlock the most competitive loan protection by using the comparator
Choose freely a mortgage loan insurance
Since September 2010, borrowers have the opportunity to freely subscribe their loan insurance with the insurance company of their choice. So you can compete and opt for the loan insurance policy that suits you best.
Compare your Diffcard loan insurance with other contracts
Using an online insurance comparator loan, you can compare various offers of several insurers and choose the cheapest and most suitable proposal for your situation. An individual insurance from an insurer outside the lender can better protect you than the bank’s group insurance policy.
Loan Insurance Cogilaw Company Real Estate
The Lagarde law is better information and greater freedom of choice for all borrowers, thanks to the ban on banks to impose their insurance “home”, obliges them to:
delegation of insurance accepted if equivalent guarantees
reasons for refusal of an “external” insurance indicated
Do not increase the rate and conditions of the loan
Loan Insurance Murfaces Real Estate Law
The purpose of the law is to prohibit the “bundling credit/insurance borrower” of products and services.
Ions France is an insurance brokerage and reinsurance company headquartered in Paris, with 8 offices throughout France. It is a subsidiary of the Ions plc group, a world leader in two main areas: insurance and reinsurance brokerage and risk management consulting.
Ions France in numbers
Ions France was created in September 1997. It generated a turnover of 300 million euros in 2012. Its 1,100 employees are able to provide sound advice to a clientele of 30,000 companies and a million individuals.
The company is brewing premiums of around 2.7 billion euros for all insurance combined. In order to facilitate the approach with customers and to be proactive in their needs, Ions France has set up 2 contact and management center.
What are the main products offered by Ions France?
The activities of Ions France are grouped around three distinct categories. The first is brokerage and insurance consulting, managed by the IonsRisk Solutions branch, which covers credit insurance, damage to property and business interruption, political risks, civil liability, borrower insurance and construction.
The second is reinsurance brokerage, offered by the IonsBenfield branch. It is intended for insurance companies, provident societies and mutuals. The third and final category is Human Resources Consulting, supported by Ions Hewitt.
Accompanying developing companies
Financing of Working Capital Requirements
Improving profitability by controlling financial costs
Outsourcing & optimization of credit management
Credit risk assessment of foreign subsidiaries
Increase in average time to recovery of trade receivables
Since the implementation of the Cogilaw Act, the borrower is free to select a borrower insurance to guarantee his credit against death, disability and unemployment. The insurance company will take care of the repayment of the credit according to the general conditions of the contract: comparison of the offer FGA credit insurance with the cheapest loan insurance offers offered by the broker-insurance-of-loan-not-expensive in line !
Choose freely an FGA loan insurance
You have the right to choose another insurance than the group contract presented to you by the bank. By playing the competition between insurers, you can choose the cheapest offer and the most suitable for your situation.
Compare your FGA loan insurance
There are many insurance comparators on the web that will allow you to make a detailed comparison of insurance offers issued by different insurers. You will be able to choose the contract that will protect you the best and will be able to save you on the cost of your credit.
Optimize your loan with the loan insurance broker! The brokerage firm www.AJ Raffles.fr can negotiate your loan insurance FGA and save you up to 20 000 euros on your mortgage.
Cogilaw credit insurance
The Cogilaw Act allows for improved information and free choice for borrowers by prohibiting banks from imposing their bank group insurance contract and requiring them to accept an offer of external individual credit insurance delegation if:
The contract includes guarantees at least equivalent to the level required
Cefrum Insurance Credit Act
The Cefrum law makes the relations between lenders and borrowers more transparent. Do not hesitate to talk about article L312-1-2 of the device if your banker is recalcitrant about the fact that you want your insurance borrower.
The device is a major step forward for borrowers since the Cefrum law, the loan insurance market will undergo a profound change and greater competition between all players.
Make a quotation request to a broker insurance insurance expert to get the contract that suits you best!
The law Cefrum and Loi Congilaw provides freedom of choice concerning the insurance of a real estate loan: Realize a comparison of the offer Tumtam insurance loan with the various contracts insurance borrower of the insurance broker-of-loan-not-expensive!
Tumtam (Mutual Insurance Mutual Workers) was created in 1961 by and for members. With nearly 3 million customers, the group is an insurance leader in the French market. Tumtam offers a wide range of solutions tailored to individuals as well as professionals and companies:
auto insurance, health,
life insurance savings,…
Freely subscribe an individual loan insurance
Since September 2010, date of implementation of the Congilaw, consumers can freely join the loan insurance with the company of their choice. It is therefore possible to find cheaper and better suited than the group banking insurance contract!
Comparative insurance Tumtam loan
By using an online insurance simulator, you will quickly access many offers from various insurers and choose the lowest cost proposal that best matches your individual borrower profile.
Do not neglect the help you can get from the loan insurance broker! The insurance broker-loan-not-expensive can negotiate your insurance loan Tumtam but also present the best offers on the market and advise you on the choice that will be the most sensible for you.
Simulation real estate credit insurance with the broker specialist guarantee borrower, your guide and your advisor to apply the loan insurance delegation:
guarantees recognized by credit companies
dedicated management for the processing of your file
simulation tool: instant rate online
Loi Congilaw insurance loan
Make the choice of loan insurance, the free selection by the borrower of the insurance company as well as the contract; ban banks from imposing their insurance “group”, and oblige the banker to:
Accept insurance loan delegation if the contract provides equivalent guarantees
indicate the reasons for refusing “individual” insurance outside the bank
Do not change the loan rate in return if individual insurance chosen as a guarantee
Cefrum insurance law ready
Make the relationship between banker and borrower a clear and transparent discussion; the article “L312-1-2” on the “group sales credit / insurance” of products and services will serve you to impose your choice of loan insurance delegation.
It is important to make an estimate using the comparator in order to find you a cheaper contract than that of the Tumtam Loan Insurance. This contract will guarantee coverage for the duration of your loan!
Join a non-bank loan insurance contract
Make a simulation with the insurance simulator ready
Get insurance pricing ready
Tell the banker the choice of your external guarantee