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Act Lagarde and freedom of choice of your loan insurance: insurance compare what?

If Reform Act Consumer Credit entry into force on 1 September 2010 can choose their insurance borrower, should we still know where to go!

• The credit insurance group of the bank: a good basis for reflection

The lending bank will offer you no doubt borrower to obtain insurance at his desk. If the proposal is worth studying, it should also be compared.
Safety Contract banking group, announced by your financial adviser as a crucial element of choice is a quasi quibble. Indeed, the bank acts only as an intermediary in the contract of loan insurance.
Step back and also on arguments presented by some other comparative banking networks. They are designed clothing for marketing services and aim to complete to convince you that the best insurance solution borrower ... it is theirs!
But please, take possession of these documents and forge you an opinion, after a study of contradictory arguments will be presented by other insurers.

• Insurance by delegation: some incumbents

April , Cardif are trademarks of insurance that you are not totally foreign ?
is normal, one is the pioneer of the insurance borrower delegation, while the second is the individual insurer's BNP Paribas.
If they unquestionably know how in the security of the borrowers, they are not necessarily the lowest bidders, both in terms of guarantees, as prices ... Competition forces.

• few challengers Assurance ready ... to look closely

Alptis , Afi Europe, Aprep, UGIP , Cube insurance however are virtually unknown the general public. These operators reserve some good nonetheless surprises for borrowers who can find (very aggressive rates for rental investors in Alptis, premium rate "soft" for seniors in UGIP, guarantees solid performance and rates on loans in Long Cube ...)

• The insurance brokerage borrower: a simple and rapid

By contacting a brokerage firm specializing insurance borrower, as CAPV insurance, you can have access to a panel of selected contracts which you can more easily achieve your insurance comparison.
However, pay attention to some indicators present on the internet, they are not insurance brokers, but mere "contact card vendors" who will not hesitate to give your details to a multitude of operators at the expense of your peace ... and efficiency needed for your project.

• To obtain your insurance quote comparison borrower, go to page:

http://www.capvie.com/devis-assurance-emprunteur.php

...

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Measurement Act or Footage Boutin Boutin

The Act applies from Boutin Law No. 2009-323 of 25 Article 78 March 2009. It
for new leases empty residence.
http://www.legifrance.gouv.fr: "The lease specifies the surface area of the rented property."

WHAT ARE THE REAL QUESTION?
It is mandatory to clarify the living area (Law Act Boutin Boutin or measurement) of the property leased to the signing of the lease. This requirement applies only to rent an unfurnished apartment and principal residences (apartments or houses). The apartments, seasonal and secondary are not affected by this obligation measuring law or Footage Boutin Boutin law.

WHAT ARE TAKEN INTO ACCOUNT THE SURFACE? The area
Boutin Act does not take into consideration the space occupied by walls, partitions, doorways and windows, chimneys, ducts, stairs and stairwells, and the height less than 1 , 80 meter.

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Legal protection insurance: the state and insurers work together to enhance access to law

Legal aid should enable everyone to exercise his rights in court. To develop the paid legal and solutions relief budget of legal aid, the state is now working with insurance companies. Three lines of inquiry were launched:

1. Improving the process of "subsidiarity" of legal aid
Insurers propose to simplify the procedure subsidiarity, previously very complex to implement, and to define more precisely those potentially affected.

2. Launch a communication campaign on the legal protection insurance
Through a communication campaign, insurers want to show the interest to take out legal expenses insurance to facilitate the settlement of disputes of everyday life that each may face.

3. Expanding the fields of legal protection
Insurance companies want to commit to expanding the scope of legal protection. Thus, the insured may freely take out insurance for legal protection auto, consumer, family, real estate, work, ... depending on personal circumstances.

To facilitate the action of the insured, Capvis offers a comparative insurance simple and intuitive.

State Bank Of India Poa

Claims PASS-GRL, the APAGL at fault?

The APAGL, association designed to facilitate access to housing through the promotion guarantees leasehold, was also the body designated to manage rent arrears claims Contract PASS-GRL .



PASS-GRL: difficulties to cope with the consequences of the economic crisis.

"I had to send my file 3 times in just four months before getting a response from the APAGL on conditions of care!" gives us a patient owner lessor.

Clearly, APAGL lacking in the management of claims unpaid rent or property damage. It must be said that Team management of the association was quickly overwhelmed by the volume of records claim, result in massive layoffs associated with the credit crisis.

LRG 2: the insurer is placed in the heart of the device.

While Convention PASS-GRL originally limited intervention by the insurer to the marketing contracts, the new agreement expands the scope of intervention.

Since 26/12/2009, the date of the new LRG , the insurer is also entrusted with the management claims. Traffic jams are therefore limited, thanks to a better load distribution between operators.

Moreover, competition between insurance companies signed the agreement will require them to offer better service quality.