ORIAS registered · 21002893MIA registration independently verifiable
Mortgage insurance in France
Switch your French mortgage insurance and potentially save over €10,000!
Compare your French mortgage insurance differently. We help prepare your file, review the quote and track the bank substitution.
Apply to switch mortgage insurance
8–12 minute online form · Secure document upload
Log in to the client portal
Actual savings depend on the outstanding loan, your profile, required cover and the insurer’s underwriting decision. No fixed saving is guaranteed.
Clear guidance
Complex formalities, explained one step at a time
From the first application to the bank substitution, every stage is explained and available to track online.
Multilingual support
Communicate in the language that suits you while retaining useful French professional terms for reference.
Centralised documents
Your loan offer, amortisation schedule and quotes are kept together to reduce unnecessary back-and-forth.
Secure client portal
When your quote is ready, set a password through a one-time link and access only your own records.
Transparent progress
Follow five clear stages, from the initial quote request through to completion of the insurance switch.
How it works
Complete your request in three steps
Complete the application
Provide details of the loan, property and borrowers, then upload the documents required for your request.
Receive and compare your quote
The case manager uploads the quote for you to review and confirm in your secure portal.
Sign and complete the switch
The contract signing and bank substitution process moves forward subject to equivalent cover requirements.
Official French registration
Transparent identity, independently verifiable registrations
SAS FANG ZI is registered as an MIA in the official French ORIAS register and assists clients with mortgage insurance applications and switches. Its legal information can also be verified in the official French business directory.
MIA · ORIAS n° 21002893
Legal company identity
SASSAS FANG ZI
- SIREN
- 888 799 137
- Registered-office SIRET
- 888 799 137 00011
- EU VAT number
- FR22 888 799 137
- Principal activity / APE
- Real estate agencies · 68.31Z
Legal framework · Lemoine Law
What you need to know about switching mortgage insurance in France
This plain-language overview explains the general framework for an insurance substitution request.
Since 1 September 2022, the law of 28 February 2022, known as the Lemoine Law, has in principle allowed borrowers to cancel and replace mortgage insurance at any time during the loan.
The replacement policy must provide cover equivalent to the level required by the lender. Where that equivalence is met, the lender cannot in principle refuse solely because you selected an external insurer.
For a complete substitution request, the lender must notify acceptance or refusal within ten working days. A refusal must state the reasons and identify any unmet cover requirements.
Final approval and premium levels depend on the bank and insurer. Approval, savings and fixed savings amounts cannot be guaranteed.
Official sources
Review the official guidance and legislation before making a decision.
This information is general and is not individual legal, insurance or underwriting advice. The outcome depends on the bank’s equivalence assessment and the insurer’s underwriting decision.
Frequently asked questions
Frequently asked questions
Can I switch insurance during my mortgage?+
In principle, yes. Since 1 September 2022, you can request a substitution during the loan, provided the new policy meets the lender’s equivalent cover requirements.
Can the bank refuse?+
The bank may refuse if the new policy does not provide equivalent cover. It must explain the decision and identify the unmet cover requirements.
Which documents are required?+
Replacing existing insurance generally requires the loan contract or bank loan offer and the final amortisation schedule. Only PDF files are accepted.
How can I track my application?+
When the quote is sent, you receive a one-time account activation link. Once your password is set, you can view documents, quotes and all five stages in the client portal.
Start your application
Ready to review your mortgage insurance?
Once you apply, we will follow up using the information and documents you provide.