The delegation of insurance consists of a borrower to freely subscribe his loan insurance contract with the insurance company of his choice, without the lending institution can oppose it when the selected contract presents a guarantee level at least equivalent to that of the loan insurance contract he has offered to his client.

A delegation of insurance is possible both in terms of mortgage loans and consumer loans.

More on Insurance Delegation


You hesitate between the subscription of the borrower insurance proposed by the lending bank and a delegation of insurance? Here’s everything you need to know about the delegation of insurance and the benefits it offers you compared to a bank group insurance contract.

Since the Lagarde law of 2010, borrowers have the possibility to insure their credit with an insurance of individual loan subscribed under the delegation of insurance. They can refuse to contract the lender’s group insurance contract to insure their credit with the insurance company of their choice. In case of insurance delegation, the guarantees of the contract chosen by the borrower must be equivalent to the guarantees of the group contract of the lending bank.

The delegation of insurance has significant advantages over bank group insurance. Indeed, it is more advantageous for people who present only low risk of failure to repay (young borrower under 40, no smoking) but also for people at high risk because of their age, health problems, the practice of a dangerous occupation and the practice of a sporting activity or risky recreation. By delegating your insurance, you benefit from a customized contract whereas with group insurance the contract is classic and collective: it does not really take into account your specific needs and covers all subscribers in the same way. With the insurance delegation, a young borrower can easily reduce the overall cost of his mortgage by several thousand euros!

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The bank group contract does not provide for the same method of compensation for total and partial permanent disability guarantees, and for temporary and total work incapacity as an individual insurance contract. Compensation is compensatory: only the loss of income incurred by the insured is covered, after deduction of social benefits paid by the health insurance or a provident contract.

The individual insurance contracts allow for a lump sum compensation: the compensation paid is calculated in proportion to the remaining monthly payments, within the limit of the insured portion. This type of compensation is therefore more advantageous.

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06.02.2017 – Insurance tip


The imprint of the photo is only directly related to CosmosDirekt and the picture source Thinkstock_iStock_Tomwang112.

  • According to a forsa poll, 28 percent of Germans would opt for an alternative drive when buying a new car.
  • Electric cars are more sensitive to cold than petrol and diesel vehicles.

Hybrid, electric and gas cars are among the most popular vehicles with alternative propulsion: They protect the environment, resources and, in the long term, also the wallet. For more and more German drivers are enough reasons to switch to the next car purchase of petrol or diesel vehicle on one of the new variants. But how do electric cars & Co. behave in wintry temperatures? Roman Wagner, a car insurance expert from CosmosDirekt, explains what owners should look for.

Diesel and LPG drive: switch to winter fuel
Alternative drives are still rare on German roads. According to a forsa survey commissioned by CosmosDirekt, only 3 percent of motorists currently drive the "green" future models. In 10 years, that could already look different: Almost one in three (28 percent) would opt for a new car for a car with hybrid engine, gas or electric drive. "Vehicles powered by diesel or LPG run without any problems even at temperatures below 0 degrees Celsius. The prerequisite is that the winter diesel or winter gas used in Germany during the cold season is refueled with a modified composition, "says Roman Wagner.

Electric cars: less range at minus degrees
What many do not know: In contrast to the conventional drive, the electric version is the most susceptible to cold. Even temperatures below -5 degrees reduce the capacity of the electric car battery significantly. This can lead to the usual range of vehicles being significantly reduced. "The battery is the heart of the electric car and a very expensive component. It is best to protect them against damage, such as full or partial comprehensive insurance. Individual insurers also offer the option of protecting against damage caused by operating errors such as deep discharge or overcharging, "explains Roman Wagner.

  • Drive systems 91 KB

  • 1 Population-representative survey "Auto-emotions" by the opinion research institute forsa on behalf of CosmosDirekt. In May 2016, 2,004 motorists aged 18 and over were interviewed in Germany who own a car in the household.

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Press contact CosmosDirekt

Stefan Gobel

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Putin forgives most of the debt to Cuba and will help against the “illegal” blockade of the United States

  • It is 90% of the debt of Cuba, valued at 31,700 million dollars, contracted in the Soviet Union.
  • Fidel Castro reappears, with good looks and sportswear, in a “cordial and friendly” meeting held in his dome with Vladimir Putin.
  • The Russian president paid tribute to the Soviet internationalist soldier and José Martí, national hero of the Caribbean island.
Fidel Castro y Vladimir Putin

Former Cuban leader Fidel Castro greets Russian President Vladimir Putin on his visit to Havana. EFE

Russia intensified its bilateral relations in the political and economic areas on Saturday with the official visit to Havana of President Vladimir Putin, who ratified the “strategic” importance of the island in Moscow’s foreign policy.

Cuba, Russia’s oldest ally in Latin America, was chosen by Putin to make the first stop of his tour of the area, which will continue in Argentina and conclude in Brazil , as part of his interest in approaching this region that he considers ” key”.

In less than twenty-four hours, the head of the Kremlin concentrated an agenda that included meetings with his counterpart Raul Castro, also with his brother Fidel, leader of the Cuban revolution, witnessed the signing of ten agreements, and paid tribute to the Soviet internationalist soldier and National hero of the island, José Martí.


Putin and Fidel Castro -released from power by a disease since 2006- had a “cordial and friendly” meeting in which they recalled the “historical ties” of both countries and the growing bilateral economic-trade ties, and also exchanged views on the situation international.

Fidel Castro explained to Putin the studies he is doing on the production of food in tropical and subtropical areas that he considers to be the only efficient formula to face the threats of climate change and inequalities.

The meeting took place at the Havana address of Fidel Castro, judging by several photographs published by the official website Cubadebate , in which the old leader of the Cuban revolution is seen with good looks and the usual sports clothing that he has worn since he retired.

Raúl Castro recalled that without the help of the Soviet bloc the Cuban revolution could not have survived

The Russian leader arrived in Havana shortly after signing a law that has condoned 90% of the debt of 31,700 million dollars contracted by Cuba with the former Soviet Union.

On that decision, the president of Russia stressed that they are creating “new conditions” to develop relations between his country and Cuba, a stage that, he explained, aims to strengthen economic and trade cooperation, and noted that bilateral work It is “constant” .

The gesture of the Government of Moscow to forgive the debt of the island was grateful for Raul Castro as “another example and again a great palpable generosity of the Russian people towards Cuba.”

The Cuban leader took the opportunity to remember that without the help of the Soviet bloc the Cuban revolution could not have survived, and also to express his support for Putin’s current international policy, which he described as “intelligent” and praised for its “firmness”. “

Castro was also “very satisfied” with the current state of relations between Cuba and Russia after the new stage that began in 2000, when Putin made his first trip to the island.

Ten agreements

At the end of the official talks, Castro and Putin attended the signing of a package of ten agreements and memoranda to expand bilateral cooperation in areas such as oil exploitation, agreed between the Russian company Rosneft and the company Unión Cuba-Petróleo .

Representatives of both governments also signed a joint declaration on “the first non-installation of weapons in the cosmic space “, an agreement “in the guarantee of international information security”, and formalized a program of cultural collaboration.

You have to change the protocol, I recommend not wearing a tie, but a guayabera, a hat, shorts and sandals

In addition, they adopted six memoranda of understanding covering the sectors of health, industry, disaster care, the construction of electricity generation units, the production of luminaries and the creation of a regional center for training of rescue and Cuban-Russian firefighters .

Among other projects, Putin said that both parties are working on a program of economic-commercial-scientific-technical development until 2020 and they keep their “business councils” active.

The good humor of Raúl Castro during the visit was made clear to the journalists when accompanying his Russian counterpart to the Mausoleum to the Soviet Internationalist Soldier , at which point, in a humorous tone, he proposed to change the rules of official protocol of the island due to the high summer temperatures.

“We must change the protocol of Bruno (Rodríguez, the Cuban chancellor),” Castro said, and recommended “not to wear a tie” in Cuba, but “guayabera (national garment) and a hat, shorts and sandals. “

Even joked to suggest that “this country is not to work, much less to war, this country is to rest .”

The intense program of Putin in Havana, almost all the time accompanied by his counterpart Raul Castro, concluded with the farewell at the José Martí International Airport , from where the Russian president flew to Nicaragua, a visit that had not been previously announced.

  • Fidel Castro and Vladimir Putin

    Former Cuban leader Fidel Castro greets Russian President Vladimir Putin on his visit to Havana. (EFE)

    “> Fidel Castro and Vladimir Putin


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