Question

Peut-on souscrire une assurance crédit ailleurs qu’à la banque ?

Souscrire un crédit nécessite bien souvent de souscrire une assurance en cas de décès, invalidité ou arrêt maladie.

Souscrire une assurance crédit ailleurs

L’emprunteur a le droit de souscrire son assurance crédit au sein d’un autre établissement que celui qui lui accorde le prêt d’argent.

Celui-ci peut donc faire appel à un courtier en assurance emprunteur qui se chargera de démarcher les compagnies d’assurance afin de trouver une couverture proposant les mêmes garanties que la banque mais à un tarif plus avantageux.

Cette pratique a été facilitée par la mise en place de la loi LCC qui permet de mieux informer l’emprunteur sur les modalités du crédit à la consommation et des assurances.

Publié dans FAQ.

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