{"id":1998,"date":"2018-12-19T19:23:36","date_gmt":"2018-12-19T18:23:36","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/la-date-anniversaire-pour-changer-son-assurance-emprunteur-enfin-precisee_-n.html"},"modified":"2020-07-28T15:30:41","modified_gmt":"2020-07-28T13:30:41","slug":"la-date-anniversaire-pour-changer-son-assurance-emprunteur-enfin-precisee_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/la-date-anniversaire-pour-changer-son-assurance-emprunteur-enfin-precisee_-n.html","title":{"rendered":"La date anniversaire pour changer son assurance emprunteur enfin pr\u00e9cis\u00e9e"},"content":{"rendered":"<div>Depuis janvier 2018, tout emprunteur peut changer d&rsquo;assurance de pr\u00eat immobilier, m\u00eame s&rsquo;il a souscrit son cr\u00e9dit voici plusieurs ann\u00e9es.&nbsp;Apr\u00e8s une p\u00e9riode floue propre \u00e0 d\u00e9concerter le souscripteur, les professionnels du secteur de l&rsquo;assurance sont enfin tomb\u00e9s d&rsquo;accord sur la date qui fait foi pour r\u00e9silier son contrat. Le changement pourra intervenir \u00e0 la <strong>date anniversaire de la signature de l&rsquo;offre de pr\u00eat<\/strong>.<\/p>\n<p>En changeant d&rsquo;assurance de pr\u00eat, les emprunteurs peuvent troquer le \u00ab contrat groupe \u00bb, l&rsquo;assurance de la banque pr\u00eateuse, par un contrat alternatif &#8211; l<strong>&lsquo;assurance d\u00e9l\u00e9gu\u00e9e<\/strong> &#8211; propos\u00e9e par une autre enseigne, souvent nettement moins co\u00fbteuse. Car l&rsquo;assurance d\u00e9l\u00e9gu\u00e9e est individuelle, \u00e0 la diff\u00e9rence de l&rsquo;assurance \u00ab groupe \u00bb de la banque. Et les cotisations sont le plus souvent <strong>d\u00e9gressives<\/strong>, baissant au fur et \u00e0 mesure que le capital restant d\u00fb diminue. En outre, les assureurs alternatifs serrent logiquement leurs tarifs pour attirer les clients qui ont donc int\u00e9r\u00eat \u00e0 faire jouer la concurrence.<\/div>\n<h2>Diff\u00e9rentes interpr\u00e9tations pr\u00eatant&nbsp;\u00e0 confusion<\/h2>\n<p>En th\u00e9orie, depuis l&rsquo;amendement Bourquin, entr\u00e9 en vigueur au 1er janvier 2018, l&#8217;emprunteur peut changer le contrat d&rsquo;assurance de son pr\u00eat immobilier <strong>chaque ann\u00e9e<\/strong>, \u00e0 sa date anniversaire, tant qu&rsquo;il respecte un p<strong>r\u00e9avis de deux mois<\/strong>. Mais de quel anniversaire parle-t-on ? La date de signature de l&rsquo;offre de pr\u00eat, la date d&rsquo;\u00e9dition de l&rsquo;offre de pr\u00eat immobilier, la date d&rsquo;effet du contrat d&rsquo;assurance ou encore la date de signature de la demande d&rsquo;adh\u00e9sion au contrat d&rsquo;assurance ? Ce flou allait \u00e0 l&rsquo;encontre de l&rsquo;int\u00e9r\u00eat du consommateur qui, mal inform\u00e9, laissait bien souvent passer la fen\u00eatre de tir.<\/p>\n<h2>Une seule d\u00e9finition en d\u00e9finitive<\/h2>\n<div>Le Comit\u00e9 consultatif du secteur financer (CCSF), organisme rassemblant diff\u00e9rents acteurs du secteur et adoss\u00e9 \u00e0 la Banque de France, a tranch\u00e9 : la date d&rsquo;\u00e9ch\u00e9ance \u00e0 prendre en compte sera \u00e0 l&rsquo;avenir \u00ab <em>la date anniversaire de la signature de l&rsquo;offre de pr\u00eat par l&#8217;emprunteur<\/em> \u00bb. \u00ab <em>Cette date s&rsquo;appliquera \u00e0 tous les contrats, en cours et \u00e0 venir, sauf demande du client pour une autre date, si elle existe contractuellement<\/em> \u00bb, pr\u00e9cise le CCSF. L&rsquo;harmonisation de cette date d&rsquo;\u00e9ch\u00e9ance pour la substitution d&rsquo;assurance de pr\u00eat doit \u00eatre effective \u00ab <em>au plus tard au <strong>second semestre 2019<\/strong><\/em> \u00bb, dans tous les \u00e9tablissements de cr\u00e9dit.<\/p>\n<p>Si l&rsquo;on souhaite en b\u00e9n\u00e9ficier, il faut anticiper la&nbsp;demande&nbsp;de substitution puisque le code des assurances pr\u00e9voit un pr\u00e9avis de 2 mois minimum avant cette date d&rsquo;\u00e9ch\u00e9ance. La&nbsp;r\u00e9siliation prend la forme obligatoire d&rsquo;une lettre recommand\u00e9e. Le nouvel assureur prend souvent en charge la proc\u00e9dure : r\u00e9daction et envoi de la lettre recommand\u00e9e, \u00e9change avec la banque pr\u00eateuse &#8230;&nbsp;<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Depuis janvier 2018, tout emprunteur peut changer d\u2019assurance de pr\u00eat immobilier, m\u00eame s\u2019il a souscrit son cr\u00e9dit voici plusieurs ann\u00e9es ! Apr\u00e8s une p\u00e9riode floue propre \u00e0 d\u00e9concerter le souscripteur, les professionnels du secteur de l\u2019assurance sont enfin tomb\u00e9s d\u2019accord sur la date qui fait foi pour r\u00e9silier son contrat. Le changement pourra intervenir \u00e0 la date anniversaire de la signature de l\u2019offre de pr\u00eat.<\/p>\n","protected":false},"author":4,"featured_media":1999,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1998","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La date d&#039;anniversaire de r\u00e9siliation de l&#039;assurance emprunteur enfin clarifi\u00e9e<\/title>\n<meta name=\"description\" content=\"Les professionnels de l\u2019assurance se sont accord\u00e9s sur la date anniversaire pour la r\u00e9siliation du contrat : celle de la signature de l\u2019offre de pr\u00eat.\" \/>\n<meta name=\"robots\" content=\"index, follow, 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