Personal loan insurance takes over to repay all or part of your monthly payments if a life event—death, disability, incapacity for work—prevents you from meeting your payment obligations.
The guarantee remains active until the last euro is repaid.
Select the level of coverage suited to your situation.
It remains highly recommended, though not mandatory.
A loan commits you over several years. During this period, a life accident can disrupt a budget: prolonged work stoppage, disability, or death. Without insurance, monthly payments remain due and become a burden on the household or loved ones. Borrower insurance absorbs part of this risk.
Depending on the chosen plan, personal loan insurance covers all or part of the remaining monthly payments.
The cost of insurance depends on age, professional status, and the insured capital. The Annual Percentage Rate of Charge for insurance (TAEA) reflects its total cost and is added to the cost of the loan. Comparing this is also part of a smart borrowing decision.
You can subscribe to the insurance at the same time as your financing, or within three months of the loan being set up. After this period, enrollment is no longer possible for this contract. A simple health questionnaire is required to establish coverage.
How it works
Compare the offered guarantees and select the one that corresponds to your family and professional situation.
Some health and situation information is enough to establish your membership.
Your contract is electronically signed and the guarantee takes effect according to the specified conditions.
Rates, total cost, and monthly payments are clearly announced before any commitment, with no hidden fees.
A single point of contact follows you from the simulation until the last euro is repaid.
Application, document submission and electronic signature from your customer portal.
Frequently asked questions
No, enrollment is optional. However, it is highly recommended as it protects your credit repayment in case of unforeseen circumstances.
Insurance enrollment is optional. The coverage, exclusions, limits, and implementation terms are specified in the information notice provided before subscription.