PEAK INSURE
Borrower insurance is where your savings hide.
Insurance can account for nearly a third of the cost of your loan. Thanks to the Lemoine law and insurance delegation, there is almost always a better option — without changing your loan.
Up to ⅓
of the total cost of the loan can come from borrower insurance alone.
At any time
the Lemoine law lets you cancel and switch insurance whenever you wish, free of charge.
Several thousand €
in frequent savings over the life of the loan, at equal or better cover.
In practice
Precision makes
the difference.
We check the equivalence of cover required by your bank, then put insurers in competition to cut the cost without weakening your protection.
01
Multi-insurer comparison
Putting several delegated insurers in competition, with cover at least equivalent to that required by your bank.
02
Lemoine-law delegation
Switching insurance at any time, free of charge, and with no health questionnaire under conditions of amount and age.
03
Specific profiles
Aggravated health risks, high-risk jobs or sports, senior borrowers: we find cover that accepts your profile at a fair price.
04
Reducing the overall cost
Analysis of the annual effective insurance rate (TAEA) and total cost, to measure the real saving over the whole loan.
How it works
A simple, risk-free insurance switch.
Step 1
Analysing your contract
We review your current insurance, its cover and its real cost over the remaining term.
Step 2
Finding alternatives
We compare delegated offers at equivalent cover and quantify the potential saving.
Step 3
Substitution formalities
We prepare the file and handle the substitution request with your bank.
Step 4
Setting it up
The new contract takes over with no interruption of cover and no change to your loan.
Frequently asked
What we’re often asked.
Can I really switch insurance at any time?
Yes. Since the Lemoine law, you can cancel and replace the insurance on your mortgage at any time, free of charge, provided you present cover that is at least equivalent. The bank cannot object if the equivalence of cover is respected.
Will I lose cover?
No — that is precisely our point of vigilance. We only offer contracts whose cover is at least equivalent to that required by your bank. Often, the saving even comes with better cover.
Is it worthwhile even if my loan is already under way?
Often, yes. The more capital and years you have left to repay, the greater the saving. Even halfway through, switching insurance can represent several thousand euros. We quantify the gain before any steps.
How much could you save?
Send us your current contract: we quantify the possible saving, with no commitment.