On paper, it is not obligatory, but in reality, no bank agrees to lend without insurance. Since September 1, 2022 and the Lemoine law, competition has become easier.
Borrowers are no longer captive to the contract offered by the establishment which grants the credit. They can cancel quickly in favor of another insurer. From around 2000 euros to several tens of thousands of euros depending on insurance brokers. If you haven't yet taken the plunge, we'll explain how to do it.