Protect your French mortgage, and everything it buys
Most French lenders require borrower insurance before your mortgage can complete. Our sister brand France Protect arranges loan, home and income protection insurance for expats, in English, without the jargon.
Assurance emprunteur arranged in English, ready before completion.
Loan insurance is an important part of most French mortgages
For most French mortgages, loan insurance (assurance emprunteur) is a lender requirement rather than a legal formality. Your lender will normally ask for cover for death, disability and, depending on your circumstances, incapacity or loss of income.
You are free to choose your own insurer, provided the policy offers guarantees equivalent to those required by your lender. Arranging your insurance early helps keep your purchase on schedule and may provide more suitable cover or lower premiums than your lender’s standard group policy.
Home insurance (assurance habitation) should also be arranged before completion so that cover is in place from the day you become the owner. Depending on the property and your lender’s requirements, evidence of this cover may be requested before completion.
Where insurance fits in your purchase
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1
Offer accepted
You've found your property and signed the compromis de vente. Now the mortgage clock starts ticking.
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2
Mortgage application
Your lender requires assurance emprunteur as a condition of the loan. France Protect compares policies and handles the paperwork in English.
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3
Before completion
Home insurance (assurance habitation) should usually be arranged before completion, and may be requested by the bank or notaire. France Protect arranges cover to start on your completion date.
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4
After you move in
Protect your income and your family's ability to keep the property with optional income protection cover.
Three ways France Protect covers you
Loan insurance
assurance emprunteur
The insurance your French lender requires. Cover for death, disability and incapacity, tailored to expat profiles, often with better terms than the bank's group policy.
Explore loan insuranceHome insurance
assurance habitation
Buildings and contents cover for your French property: main home, second home or rental. Policy documents explained in plain English.
Explore home insuranceIncome protection
prévoyance
If illness or injury stops you working, income protection helps you keep paying the mortgage and stay in your home.
Explore income protectionWhy our clients use France Protect
English-speaking specialists
Every policy explained clearly, with no lost-in-translation surprises.
Built for expats and non-residents
Cover designed around international profiles, incomes and property types.
Regulated in France
A registered French insurance intermediary (ORIAS), so your application can be structured around lender requirements and French insurance rules.
One joined-up journey
Your mortgage and insurance teams work side by side, so nothing delays your completion.
Part of a trusted international advisory group
France Protect Insurance is part of the Bluesky France group, an established specialist in helping international clients navigate property financing and insurance in France.
Ready to get covered?
Request a quote from France Protect, or ask your Bluesky adviser to introduce you.
Common questions
No. Under French law you may choose your own insurer (délégation d’assurance), provided the cover meets your lender’s required guarantees. France Protect helps you compare like-for-like.
Yes. France Protect works with English-speaking clients daily and explains every document before you sign.
As soon as your offer is accepted. Insurance approval can take time, especially with medical underwriting, and it must be in place before your mortgage completes.
France Protect is a trading brand of SARL Bluesky Finance, a French insurance intermediary registered with ORIAS under n° 14003540 (www.orias.fr). Insurance products are subject to eligibility, underwriting and policy terms.