L’assurance emprunteur

assurance emprunteur

L’ordonnance du 14 mars 2016 modifie  l’article L 312-9 du code des Assurances. Les dispositions de code de la Consommation prévoient que la banque doit proposer une assurance de prêt à l’emprunteur qui n’est pas tenu de l’accepter sauf si les garanties proposées par le contrat de son choix ne présente pas un niveau de garantie équivalente.

Au contrat de prêt, le banquier doit ajouter une notice qui présente l’assurance emprunteur. Cette notice l’engage contractuellement . Il ne peut plus les modifier par la suite. Si l’assureur subordonne sa garantie à l’agrément de l’assuré, et que cet assuré ne donne pas son accord, alors le contrat de prêt est résolu de plein droit sur demande de l’emprunteur. L’emprunteur a également la possibilité de résilier son contrat d’assurance emprunteur souscrit dans un délai de 12 mois à compter de la signature de l’offre de prêt.

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