At Assurly, we have one simple but ambitious goal : to make borrower insurance faster, smoother, and completely transparent for you.

Our substitution process has been designed so you can switch your insurance easily, effortlessly, and with no unpleasant surprises.

Thanks to our technology and expertise, we manage every step with a proactive approach, putting an end to delays and administrative blocks from banks. 🚀

Everything starts with a clear and instant offer, powered by our AI, Agatha:

✅ You receive your quote in just a few clicks
✅ You sign your contract online
✅ Our algorithms lock in your rate immediately

🎯 The result: no surprises, no hidden price hikes. What you see is what you pay, with full transparency from the start.

Before we can finalize your contract, we need to verify and sometimes adjust a few details. For this, we need some key documents:

📌 Your ID
📌 Your loan offer
📌 Your amortization schedule

🗂 You’ll find these documents in your client area.
If you’re unsure, don’t hesitate to ask us for help! Our goal is to ensure the success of your substitution, because we know some banks look for any excuse to block the process — even over a missing cent. They might also show excessive administrative zeal, not always objectively...

Our AI analyzes your answers and, depending on parameters like age or health, may ask additional questions to finalize your rate.

🔹 Stage 1 → Most common (83% of cases), super fast, takes 2 minutes.
🔹 Stage 2 → 15% of cases, a few extra details required, 5 minutes max.
🔹 Stage 3 → Very rare (2% of cases), might need a medical check-up — but we’re with you 100%.

📢 VERY IMPORTANT: Always answer honestly.
​It might be tempting to downplay some information for fear of a higher premium — but that’s a risky move. Our insurer and reinsurer partners can be strict. Omitting info may lead to issues in case of a claim. Our priority is your peace of mind and full protection.

👂 Need advice?
We’re here for you! Ask us anything — we’ll answer with objectivity and transparency. We’re not here to trap you, but to serve you so you and your family can feel safe and stress-free.

🚀 Once signed, we trigger the system to handle the paperwork for you.
Direct debit mandates, KYC, bank documents... We take care of everything. 🔥
You don’t waste a second on admin, and we make sure everything is smooth and secure for a seamless transition.

As soon as your contract is validated, we send the substitution request directly to your bank.

✅ You don’t have to do a thing — we handle the paperwork.
✅ We ensure proactive follow-up to avoid delays.
✅ If the bank is slow to respond, we detect it instantly and take action.

🎯 Our promise: Assurly becomes your advocate, securing every step so your request goes through smoothly.

📅 10 days after sending the request, there are three possible responses from the bank:

✅ Positive response → Everything’s approved, your new insurance is active! 🎉
⏳ No response → 🚨 Success! The substitution is automatically valid since banks must reply within 10 days. We confirm and proceed with direct debits.
❌ Negative response → We analyze the reason and find a way to ensure the bank doesn’t block you.

💡 What banks don’t always tell you:
By law, they have 10 days to respond. If they don’t, it’s automatically accepted. At Assurly, we use this legal advantage to protect our clients and prevent any unjustified delay.

Even after substitution is accepted, some banks may still cause minor frictions.

💡 Common example: some banks continue collecting payments for weeks, even after validation.

➡️ No worries — we know how to handle this. We act proactively so you don’t have to worry. We’ll keep you informed in real time and ensure everything is completed properly until the switch is fully finalized.

Often, after sending your substitution request, your bank may contact you with a lower-rate counter-offer.

🛑 That’s just competitive behavior, and we understand. However, two key points:

No matter how they adjust the rate, they can’t match us in:

✅ Service – At Assurly, we’re specialized and ultra-responsive.
✅ Technology – We built a digital solution optimizing every step.
✅ Simplicity – No friction, no useless paperwork, 100% smooth follow-up.

We are a fintech startup specialized in borrower insurance — and in this field, we outperform banks, because this is 100% our job.

Receiving a sudden lower rate "magically" with a smile from your bank advisor may leave a bitter taste…

You might think:

💭 “If I hadn’t started this process with Assurly, would I have kept overpaying for years?”

A certain well-known telecom company once ran a campaign comparing its old customers to “suckers.” We won’t go that far — we know banks play a key role in the economy.

But let’s face it — borrower insurance isn’t their specialty, and their main goal is to maximize profit on this type of product.

🔹 Zero friction, zero effort — we handle everything for you
🔹 No surprise increases — your rate is locked in from the start
🔹 Proactive follow-up and automated alerts to save you time
🔹 Unmatched responsiveness — if a bank blocks you, we step in immediately

🔴 We’re not just selling you insurance — we support you, protect you, and fight for you.

🔥 Switch insurance with confidence thanks to Assurly. We handle it all — you just enjoy the ride! 🚀

📢 Need more info?
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Our experts are ready to answer all your questions. We're here for you, making sure everything runs smoothly from start to finish.