Lemoine law kit · updated 2026

Switching your French mortgage insurance under the Lemoine law

Work out your real saving on your own figures, check equivalent cover criterion by criterion and take the switch through to the loan amendment, with ready-to-send French letters.

Who it is for

• Expats and foreign nationals repaying a French home loan, insured under the bank’s group policy, who want to know whether switching pays
• Non-residents with a French mortgage who need to run the process remotely, in a language that is not their own
• Couples who want to review their cover split (quotités) or switch only one borrower’s policy
• Borrowers whose bank is silent, refuses without clear reasons or is slow to issue the amendment

What this kit does not do: Anyone looking for a quote or an insurer’s name: the kit gives a comparison method, not a commercial recommendation · Holders of a consumer loan, a purely business loan or a mortgage taken out outside France: the switching right covers French home loans · Anyone who needs legal advice on a dispute already under way: the kit prepares your file, it does not replace a lawyer

Contents of the complete kit

1. What the Lemoine law lets you do in 2026 (free extract below)
2. How much you could save: the calculation method
3. Equivalent cover: check it before the bank does
4. The procedure step by step, with legal deadlines
5. Medical questionnaire, right to be forgotten and AERAS
6. Couples, shares insured and non-residents
7. Ready-to-send letters (in French) and what to do if you are blocked
8. Printable checklists and common mistakes

Included : 4 letter templates, 22 checklist items, 2 tables.

Introduction

Under French law n° 2022-270 of 28 February 2022, known as the Lemoine law, the borrower insurance attached to a French home loan can be cancelled at any time, with no anniversary date and no fees. This kit shows you how to work out the real saving, get a policy that meets your bank’s criteria and send the right letters, in French and in the right order, without ever being left uncovered for a day.

The kit is up to date as of 1 October 2026. The articles quoted were checked in their current version on Légifrance, the official French legal database; always check the consolidated version before sending a letter. French terms are given in italics so you can recognise them in your own documents.

What the Lemoine law lets you do in 2026

Five rights to know

1. Cancel at any time. Article L113-12-2 of the Insurance Code (code des assurances) lets the insured person cancel their borrower insurance (assurance emprunteur) "at any time from the signature of the loan offer". For a policy from a mutual insurer, the equivalent right is in article L221-10 of the Mutual Insurance Code (code de la mutualité). The right belongs exclusively to the insured person.

2. Judged only on equivalent cover. The lender may not refuse another policy that offers a level of cover equivalent to its own (équivalence du niveau de garantie, article L313-30 of the Consumer Code, code de la consommation). Any refusal must be explicit and give all the reasons, stating where relevant the missing information or guarantees. Price or the adviser’s preference are not grounds.

3. An answer within 10 working days. The lender notifies its decision within ten working days (dix jours ouvrés) of receiving the other policy; if it accepts, it amends the loan contract (avenant) within the same period, stating the new APR (TAEG) (article L313-31 of the Consumer Code).

4. No fees, no change to your interest rate. No fee may be charged for the amendment (article L313-31). Nor may the lender change the interest rate or loan conditions, or charge for analysing the competing policy (article L313-32).

5. No health questionnaire, under conditions. If the insured share is €200,000 or less per insured person and the loan ends before age 60, the insurer may not ask any health question (article L113-2-1 of the Insurance Code, see chapter 5).

Also: the insurer must remind you yearly of your right to cancel (article L113-15-3 of the Insurance Code), and cannot cancel your policy for increased risk, save decree-defined cases of voluntary change in behaviour (article L113-12-2).

Which loans are covered

The right covers insurance on a loan referred to in point 1° of article L313-1 of the Consumer Code: in practice, a French consumer-law loan financing the purchase of a home or of mixed residential and professional premises. For any other loan, including a mortgage from a foreign lender under foreign law, check the scope on Légifrance first. The rules apply to loan offers issued since 1 June 2022 and, since 1 September 2022, to all policies then in force: a loan signed in 2012 is covered just like one signed last month.

The three-minute test

Take your loan offer (offre de prêt) and amortisation schedule (tableau d’amortissement):

• Has the insurance cost been identical every month since the start (a sign it is calculated on the initial loan amount)?
• Are there several years of repayments left?
• Has your situation improved since you signed (stopped smoking, end of a treatment, less exposed job)?
• Is your insured share of the outstanding balance now under €200,000, with the loan ending before you turn 60?

Three "yes" answers out of four: the calculation in chapter 2 is worth doing. Free overview: our guide mortgage insurance in France.

Frequently asked questions

How do I receive the kit?

Right after payment you are redirected to the complete kit page. Bookmark it or print it to PDF (Ctrl+P or Cmd+P, “Save as PDF”). Stripe also emails you the receipt.

Do I get an invoice?

Yes: Stripe generates the invoice and emails it to you.

Is the kit kept up to date?

Yes. The kit page is updated when the rules change; your access stays valid and you always read the latest version.

Is this personal advice?

No. Claude Assur is not an insurer, a broker or a lawyer: the kit explains the general rules and gives you the method and templates; only the official texts and your policy are authoritative.

Other kits

By purchasing, you request immediate access to the digital content and acknowledge that you lose your right of withdrawal (French consumer code, article L221-28, 13°). VAT not applicable (art. 293 B of the French tax code). See the terms of sale (in French). Claude Assur is not an insurer, a broker, a registered insurance intermediary (ORIAS) or a lawyer: the kits explain the general rules and are not personal advice; only the official texts and your own policy are authoritative.