Insurance companies ready
With the Congilaw company, your loan insurance can be chosen from the insurer of your choice!
Simulation, Quote and Comparison of Credit Insurance
Compare Pret Insurance
To give you a home loan, the bank will ask you to take out loan insurance. This insurance covers your monthly payments in case of difficulties (accident, illness, dismissal, death …). You do not have to accept the home insurance policy of your bank! It is therefore in your interest to compare Pret Insurance .
The price of insurance
The price of a loan insurance varies according to the amount borrowed, the guarantees subscribed and your age. If you are a young borrower, you have everything to gain from comparing offers because a delegation of insurance (insurance taken out of the bank) can allow you to benefit from a much cheaper rate. For a quick and effective search, use a Pret Insurance comparator online!
Sort the insurance
In order to compare insurance offers with each other, it is important that you take a close interest in the content of the proposed contracts. To make the best choice, it is indeed necessary to check certain key elements such as the guarantees and their limits, the exclusions, the grace period, the terms of compensation. If all this seems too complex or time consuming, it is recommended that you hire a broker specialized in Pret Insurance ! It will quickly offer you the best deals, explain their content in detail and advise you on the choice that may be the best for you.
The guarantees of the Assurances Pret
The death insurance guarantee
This is the basic guarantee of the Pret Insurance. It is therefore systematically demanded by the lenders. In the event of the death of the borrower, the insurer reimburses the bank the remaining capital due according to the insured portion.
The disability insurance guarantee (PTIA)
The guarantee of disability insurance or Total and Irreversible Loss of Autonomy (PTIA) is a supplement to the death guarantee. In case of absolute and definitive invalidity of the insured, the insurer also reimburses the capital remaining due to the bank.
The incapacity guarantee (ITT / IPT)
The guarantee of Total Temporary Incapacity or Total Permanent Disability (ITT / IPT) allows the repayment of monthly loan payments in case of work stoppage of the insured following an illness or an accident.
The guarantee insurance loss of employment insurance
This is an optional warranty. As indicated, it protects the insured in the event of loss of employment. To subscribe to it, it is imperative to work under an indefinite duration contract and to be able to benefit from unemployment benefits.
Renegotiate Pret Insurance
Borrowers have the opportunity to renegotiate or terminate their insurance during the course of the loan.
If you are currently paying off a home loan and the loan insurance you receive is too expensive or does not protect you as much as you can, you can decide to renegotiate it by terminating it and replace it with the insurance policy of your choice.
Terminate a group insurance contract
To terminate the group insurance contract signed with your bank, you must first obtain its agreement. To accept, you must replace it with an insurance whose level of guarantees is at least equivalent to that of the current insurance contract. You will need to communicate the insurance delegation contract that you want to set up and then cancel your group insurance according to the terms of termination of the contract.
Terminate an individual insurance contract
It is usually easier to terminate an individual contract than a group contract. However, certain conditions must be respected. The main one is to send the insurer a registered letter with AR at least two months before the end of the contract. To do the best, first get your banker’s agreement (after providing the new insurance). Following his agreement, terminate your old insurance with your insurer on the date agreed with it.
Renegotiating your loan insurance can save you a lot of money. If you have questions about your Pret Insurance inquiries and research, contact a broker!