Assurance de prêt en dehors de la banque

Messagepar Aline69 » Lun 30 Mai 2011 15:32

Bonjour,

J'envisage de faire ma première acquisition. J'ai déjà obtenu différentes simulations bancaires, mais à chaque fois le cout de l'assurance est plutôt élevé (0,24 % en moyenne). J' ai fait un devis sur le site de la Maif (je suis déjà adhérente et je sais qu'en assurances auto/habitation ils sont très sérieux), et ils me proposent 0,09 % :O (j'ai 25 ans et aucun pb de santé). J'ai consulté leurs garanties et elles me semblent similaires à celles des banques (voire mieux). Qu'en pensez vous ? J'aimerais avoir l'expérience de personnes ayant pris leur assurance en dehors de leur banque ? Comment cela s'est-il passé ?
Aline69
 
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Inscrit le: Lun 30 Mai 2011 10:35

Messagepar marave41 » Ven 17 Juin 2011 14:25

0,09% c'est pas mal, il y en a même qui proposent 0,07. Oubliez l'assurance de votre banque et optez pour la délégation d'assurance. Il y a pleins de comparateurs en ligne sérieux ( ascourtage , assurance-emprunteur.com ...) pour obtenir une bonne offre.

Par contre sachez que souscrire votre assurance credità l'exterieur pourrait ne pas être partie facile si votre banque ne joue pas le jeu. La loi Lagarde est censé protéger l'emprunteur et obliger les banques à l'accepter, mais cette loi ne prévoit pas de sanctions (super), donc c'est un peu la loterie, mais cela ne coute rien d'essayer, vous avez tout à gagner.

Voici deux pages qui pourraient vous aider pour un argumentaire:
http://www.assurance-de-pret-pas-cher.c ... -R464.html
http://www.assurance-credit-paris.com/s ... ce-de-pret

Bonne chance
marave41
 
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Inscrit le: Ven 17 Juin 2011 14:20

Messagepar obieramkar » Mer 25 Jan 2012 23:25

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