Taux d’intérêt, frais de dossier, indemnités de remboursement anticipé… Des éléments que tente de négocier ardemment tout candidat à l’emprunt. Et depuis peu, est venue s’ajouter à cette liste l’assurance-emprunteur. Conscients qu’il s’agissait là d’un nouveau levier pour faire faire des économies aux particuliers, les pouvoirs publics ont mis en place un dispositif permettant aux emprunteurs de pouvoir changer d’assurance pendant les 12 mois qui suivent la signature de leur contrat de prêt. Un changement possible à la condition toutefois que le nouveau contrat d’assurance présente le même niveau de garanties que celui du contrat initialement souscrit. À défaut, la banque est en droit de refuser cette assurance.
Précision : cette faculté n’est accordée que pour les offres de prêts émises depuis le 26 juillet 2014.
Jusqu’à récemment, l’appréciation de l’équivalence des garanties était laissée aux établissements prêteurs de deniers. Ce qui a conduit certains emprunteurs à essuyer des refus de délégation d’assurance pas toujours « justifiés ». Pour pallier ce problème, le Comité Consultatif du Secteur Financier (CCSF) a établi une liste des garanties minimales exigibles par les établissements bancaires en cas de demande de substitution d’assurance. Ainsi, chaque établissement a dû sélectionner jusqu’à 11 critères en ce qui concerne les garanties obligatoires (garanties décès, perte totale et irréversible d’autonomie, invalidité et incapacité) et jusqu‘à 4 critères pour la garantie perte d’emploi (qui reste facultative). Des critères que les banques doivent, depuis le 1er mai 2015, utiliser pour motiver leur refus de substitution d’assurance.
Face à la difficile mise en place de cette législation, la Chambre Syndicale des Courtiers d’Assurances (CSCA) et l’Association Professionnelle des Intermédiaires en Crédits (APIC) ont décidé de créer un site Internet destiné à permettre aux intermédiaires et aux professionnels de l’assurance emprunteur de partager leurs expériences et leurs observations sur la réelle application de ces nouvelles règles. En effet, si un professionnel estime dans un dossier que toutes les conditions d’équivalence sont réunies, mais que la demande du client n’a pas été jugée recevable, il pourra y partager son retour d’expérience. Un fichier professionnel commun mettant donc en lumière les « mauvais élèves » !
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