Près de 10 000 € d’économie
Les taux d’assurance pratiqués par les banques vont actuellement de 0,30 à 0,42 % pour un emprunteur de moins de 40 ans en bonne santé. Concurrence oblige, ces taux ont eu tendance à diminuer légèrement mais restent loin des meilleurs taux que proposent les assureurs spécialisés à 0,12 %. En passant par sa banque, un couple de 38 ans en bonne santé, qui emprunte 200 000 € sur 20 ans supportera un coût de 14 000 € pour une assurance à 0,35 % (avec une quotité de 50 % pour les deux personnes). Ce couple peut obtenir une assurance déléguée à 0,12 % qui ne lui coûtera que 4 800 €, soit une économie de 9 200 € ou de 38 € par mois.

En 2016, seulement 12% des contrats d’assurance emprunteur ont été souscrits auprès d’assureurs alternatifs à la banque (source FFSA). Cette année, un éveil progressif des emprunteurs est quand même observé grâce à la loi Hamon. Mais 2018 pourrait marquer un tournant puisque dès le 1er janvier, toutes les personnes qui détiennent un crédit immobilier pourront changer d’assurance en cours de prêt, à la date anniversaire du contrat. Il faudra s’y prendre au moins deux mois avant la date d’échéance en envoyant un courrier de résiliation à sa banque, accompagné du nouveau contrat d’assurance.



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