Lemoine Law 2025: Switch Mortgage Insurance in France

Note: This content is specific to the French property market.

In France, Borrower Insurance (Assurance Emprunteur) is mandatory and expensive. Banks often push their own "Group Contracts" which are overpriced.

The Lemoine Law (2022) is a game-changer. It gives you the right to:

1. Switch Anytime: Cancel your current insurance and switch to a cheaper external provider at any moment, without fees.
2. Right to be Forgotten: Cancer survivors only need to wait 5 years (instead of 10) to be treated as standard risk.
3. No Medical Exam: For loans under €200k (per person) ending before age 60.

The Savings

Switching from a bank's policy to a specialized insurer can save you 50% to 70% on premiums. On a standard loan, this equals €10,000 - €15,000 in total savings.

👉 French Mortgage Insurance Calculator