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Assurance de prêt : qui propose les meilleurs contrats ?

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Assurance de prêt : qui propose les meilleurs contrats ?


Avec l'entrée en vigueur de la loi Hamon, les emprunteurs souhaitant profiter de leur liberté nouvelle pour résilier leur contrat d'assurance de prêt vont à coup sûr se lancer en quête de l'offre la plus avantageuse. Une perspective qu'aborde L'agence de conseil en assurance, Banque Assurance Optimisation (BAO), au sein d'une étude dressant le palmarès des meilleurs contrats d'assurance emprunteur.

Assurance emprunteur : la loi Hamon change la donne

Fin avril, Isabelle Tourniaire, chargée d'études auprès du cabinet de conseil BAO, évoquait les différentes stratégies adoptées par les banques et assureurs pour s'adapter au délai de résiliation instauré par la loi Hamon (voir notre article). BAO revient aujourd'hui sur le devant de la scène en dévoilant la 3ème édition de son “panorama des garanties du marché de l'assurance emprunteur”. Passant en revue pas moins d'une centaine de contrat d'assurance, cette étude entend faire le point sur ces contrats qui couvrent près de 95% des emprunts immobiliers souscrits.

"Dans un contexte où la législation consacre encore une fois la liberté de choix de l'assurance par les emprunteurs sous condition d'équivalence de niveau de garanties au contrat proposé par la banque", le cabinet met également à la disposition des usagers un comparateur d'assurance en ligne (sur son site internet).

Où trouver les meilleurs contrats d'assurance de prêt ?

Confort et commodité ne riment pas nécessairement avec attractivité. En effet, si la grande majorité des emprunteurs optent encore pour l'offre d'assurance proposée par leur banque, l'étude souligne qu'il ne s'agit toutefois pas là des contrats les plus avantageux (exception faite de la Banque Postale qui offre le contrat d'assurance le mieux noté de ce palmarès). Prenant notamment en considération les garanties incapacité de travail et les garanties décès ou perte totale et irréversible d'autonomie (PTIA) présentes dans les différents contrats, le BAO s'est appuyé sur divers critères pour attribuer à chacun d'eux une note sur 100. Or, à la lecture des résultats ainsi obtenus, force est de constater que l'emprunteur devra bien souvent se tourner vers un professionnel indépendant et non vers sa banque s'il souhaite souscrire l'assurance de prêt la plus concurrentielle (celle disposant de la plus large couverture au meilleur taux).

Top 10 des contrats d'assurance selon le BAO :

  • 1 - Banque Postale/CNP – 95/100
  • 2 - Macif – 92/100
  • 3 - April/Prévoir – 92/100
  • 4 - Maif – 92/100
  • 5 - Crédit Agricole/CNP Predica – 90/100
  • 6 - Magnolia/Quatrem – 90/100
  • 7 - Metlife – 89/100
  • 8 - Meilleurtaux/Allianz – 88/100
  • 9 - Afi Esca – 88/100
  • 10 - Magnolia/Allianz – 86/100

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