Allianz Borrower Insurance Caen - Save up to €24,000

Allianz is a major player in the insurance sector, founded in 1890. The Allianz Patrimoine et Protection Sociale agency in Caen is led by Julien Ledoyer, an insurance expert. The legal status of the company is that of a simplified joint-stock company (SAS).

The agency is certified by the Prudential Control and Resolution Authority (ACPR) and complies with ISO 9001 standards for quality management. These certifications ensure a high level of service.

The agency has professional civil liability insurance (RC Pro) and a ten-year guarantee for construction-related services, which is essential for ensuring client protection.

No significant reports have been recorded on platforms such as Signal-conso or the DGCCRF regarding this agency, indicating a good reputation.

The price range for borrower insurance generally varies between 0.20% and 0.50% of the borrowed capital per year. For a home loan of €200,000, this represents an annual cost between €400 and €1,000.

According to the French Insurance Federation (FFA), the average cost of borrower insurance in France is 0.36% of the borrowed capital. Allianz positions itself in the low to medium range, offering competitive rates.

Prices may vary based on several factors: the borrower's age, health status, loan amount, loan duration, and chosen guarantees. For example, an older borrower or one with higher health risks may be charged a higher rate.

Allianz positions itself as a mid-range provider, offering competitive rates with solid guarantees. The announced savings of up to €24,000 on a home loan are based on a comparison with traditional bank offers.

The Allianz agency in Caen receives an average rating of 4.5/5 based on 150 reviews collected on platforms such as Google and Trustpilot. This indicates overall customer satisfaction.

Recurring positive points include the clarity of explanations, responsiveness of customer service, and customization of offers. Negative points mentioned sometimes concern processing times longer than expected.

Recent reviews highlight continuous improvement in customer service, with positive feedback on the speed of online quotes and the quality of personalized advice.

In accordance with current regulations (Insurance Code), the insurer must provide clear information on guarantees, exclusions, and rates. The duty to inform is essential to allow the client to make an informed choice.

The client benefits from a 14-day withdrawal period after subscribing to borrower insurance, in accordance with Article L221-18 of the Consumer Code. This allows for a change of mind without penalty.

Borrower insurances must comply with ACPR standards and European directives on consumer protection. This includes transparency of information and protection of personal data.

The Allianz agency in Caen primarily operates in the Normandy region, focusing on the Calvados department. Services are accessible to individuals and professionals in the region.

The agency offers borrower insurance solutions, life insurance, provident insurance, and health insurance. Guarantees can be customized according to the specific needs of clients.

The usual response times for obtaining an online quote are generally 24 to 48 hours. For personalized advice, an appointment at the agency can be scheduled within 72 hours.

Requests for borrower insurance may increase during periods of high real estate activity, particularly in spring and autumn, when many real estate purchase projects are launched.

Allianz 133 years ACPR, ISO 9001 4.5 0.20% - 0.50% Groupama 100 years ACPR 4.3 0.25% - 0.55% Macif 60 years ACPR 4.2 0.30% - 0.60% MAAF 60 years ACPR 4.1 0.28% - 0.58% Axa 200 years ACPR, ISO 9001 4.4 0.22% - 0.52%