{"id":424,"date":"2026-10-20T12:43:02","date_gmt":"2026-10-20T12:43:02","guid":{"rendered":"https:\/\/refonte.assur-et-moi.com\/?p=424"},"modified":"2026-10-20T12:52:09","modified_gmt":"2026-10-20T12:52:09","slug":"assurance-emprunteur-en-2026-pensez-a-regarder-votre-contrat","status":"publish","type":"post","link":"https:\/\/assur-et-moi.com\/index.php\/2026\/10\/20\/assurance-emprunteur-en-2026-pensez-a-regarder-votre-contrat\/","title":{"rendered":"Assurance emprunteur : en 2026, pensez \u00e0 regarder votre contrat"},"content":{"rendered":"\n

Vous remboursez un cr\u00e9dit immobilier et vous n\u2019avez jamais revu l\u2019assurance qui l\u2019accompagne ? Votre contrat m\u00e9rite peut-\u00eatre un nouveau regard.<\/p>\n\n\n\n

Dans une publication d\u2019avril 2026, la DGCCRF fait le point sur ses contr\u00f4les aupr\u00e8s de banques, d\u2019assureurs et de courtiers. Si les pratiques progressent, certains manquements persistent, notamment sur l\u2019information des emprunteurs et le traitement des demandes.<\/p>\n\n\n\n

Vous pouvez changer d\u2019assurance en cours de pr\u00eat<\/h2>\n\n\n\n

Pour les cr\u00e9dits immobiliers concern\u00e9s par la loi Lemoine, vous pouvez changer d\u2019assurance \u00e0 tout moment, sans attendre la date anniversaire du contrat et sans frais de r\u00e9siliation.<\/p>\n\n\n\n

Le nouveau contrat doit toutefois pr\u00e9senter un niveau de garanties \u00e9quivalent \u00e0 celui exig\u00e9 par votre banque. Celle-ci ne peut pas modifier les conditions de votre pr\u00eat au seul motif que vous choisissez une assurance externe.<\/p>\n\n\n\n

Le prix compte, les garanties aussi<\/h2>\n\n\n\n

Une cotisation moins \u00e9lev\u00e9e peut \u00eatre int\u00e9ressante. Mais avant de changer, prenez aussi le temps de comparer les situations couvertes, les exclusions et les conditions d\u2019indemnisation en cas d\u2019arr\u00eat de travail ou d\u2019invalidit\u00e9.<\/p>\n\n\n\n

L\u2019objectif : comprendre ce que vous payez et dans quelles situations votre assurance pourrait vous prot\u00e9ger.<\/p>\n\n\n\n

Par o\u00f9 commencer ?<\/h2>\n\n\n\n

Rassemblez votre offre de pr\u00eat, votre tableau d\u2019amortissement et les documents de votre assurance actuelle. Ils permettront d\u2019\u00e9tudier votre couverture et de comparer les possibilit\u00e9s adapt\u00e9es \u00e0 votre situation.<\/p>\n\n\n\n

Chez Assur&Moi, La\u00ebtitia vous accompagne pour faire le point, comprendre les diff\u00e9rences entre les contrats et pr\u00e9parer les d\u00e9marches si un changement pr\u00e9sente un int\u00e9r\u00eat pour vous.<\/p>\n\n\n\n

Vous souhaitez faire le point sur votre assurance emprunteur ? Contactez Assur&Moi.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Vous remboursez un cr\u00e9dit immobilier et vous n\u2019avez jamais revu l\u2019assurance qui l\u2019accompagne ? Votre contrat m\u00e9rite peut-\u00eatre un nouveau […]<\/p>\n","protected":false},"author":1,"featured_media":298,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[7],"tags":[],"class_list":["post-424","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance-emprunteur"],"yoast_head":"\nAssurance emprunteur : en 2026, pensez \u00e0 regarder votre contrat - Assur&Moi<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/assur-et-moi.com\/index.php\/2026\/10\/20\/assurance-emprunteur-en-2026-pensez-a-regarder-votre-contrat\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurance emprunteur : en 2026, pensez \u00e0 regarder votre contrat - Assur&Moi\" \/>\n<meta property=\"og:description\" content=\"Vous remboursez un cr\u00e9dit immobilier et vous n\u2019avez jamais revu l\u2019assurance qui l\u2019accompagne ? 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