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Certyneo
Compliant with Lemoine Law

Sign your borrower insurance delegation online

Exercise your right to insurance substitution with advanced signature (AES). Guarantee equivalence verified, legal archiving, timestamped proof PDF.

Legal framework
Lemoine Law No. 2022-270 of February 28, 2022
Signature level
AES eIDAS recommended
Legal archiving
10 years with probative value (eIDAS audit trail)

What is a borrower insurance delegation?

Borrower insurance delegation allows customers to replace the insurance offered by their credit institution with a contract from another company, subject to equivalent coverage terms. Introduced by the Hamon Law (2014), strengthened by the Bourquin amendment (cancellation at annual renewal) and generalized by the Lemoine Law (cancellation at any time since February 2022), this right is now exercised without special formalities and with advanced electronic signature.

Why sign your delegation online?

Speed and convenience

Sign from your computer or smartphone without traveling. Your delegation contract is signed, timestamped and archived within minutes.

Maximum legal security

Advanced signature (AES) compliant with eIDAS, cryptographic audit trail and immutable proof PDF. Your signature proof withstands any dispute.

Lemoine Law compliance

Respect for guarantee equivalence required by your bank. Official qualified timestamping, legal archiving in the EU for a minimum of 10 years.

Zero initial cost

Unlimited free plan for signing and archiving. Usage-based billing with no commitment. Complete cost transparency.

4-step procedure

From delegation to archived signature

  1. Download your delegation contract

    Import your delegation deed (PDF or Word document). Certyneo validates the document''s compliance with Lemoine Act standards and guarantee equivalence requirements.

  2. Invite signatories and witnesses

    Enter the email address of the signatory and any legal witnesses. Each receives a secure link to apply their advanced signature (AES).

  3. Sign with advanced signature (AES)

    The signatory accesses the Certyneo form, identifies the fields to sign, and applies their electronic signature. Qualified timestamping automatically applied at signature.

  4. Receive your archived proof PDF

    Certyneo generates a timestamped proof PDF containing the complete cryptographic audit trail. Secure archiving in the EU, unlimited access via your dashboard.

Frequently asked questions

Who can use borrower''s insurance delegation?
Any borrower with a mortgage or consumer loan covered by insurance. The Lemoine Act (February 2022) eliminates waiting periods: you can change insurance at any time without fees or penalties, provided equivalent guarantees are accepted by your lender.
What is guarantee equivalence?
Your new insurance must cover the same risks and capital levels as the bank contract: death, permanent total disability (PTD), work incapacity (WI), job loss, etc. Your bank has 10 days to validate equivalence. Certyneo facilitates this comparison in your delegation contract.
Is electronic signature legally recognized?
Yes. Certyneo''s advanced signature (AES) complies with the eIDAS regulation (No. 910/2014). It produces the same legal effects as a handwritten signature and is accepted by all banks and insurance companies. The audit trail and qualified timestamping provide incontestable proof.
How long is my document kept?
Certyneo archives your PDF proof for a minimum of 10 years, hosted in the EU (IONOS Germany). You retain unlimited access from your dashboard. You can download your documents at any time.
Is a health questionnaire required for delegation?
No, except in exceptional circumstances. The Lemoine law eliminates the health questionnaire if: the insured amount (death benefits and annuity) is less than €200,000 AND credit repayment ends before the borrower turns 60. Beyond that, your new insurance may request medical information.
What is the cost of online signing at Certyneo?
Unlimited free plan: signing, archiving and document access. No hidden fees. Certyneo offers transparent usage-based billing for large-scale needs (volumes > 100 signatures/month).
When does delegation become effective?
After advanced signature and validation of guarantee equivalence by your bank (10 days). The Lemoine law guarantees fee-free cancellation of your old contract. Your new insurance takes effect on the date specified in the delegation deed.
How does Certyneo ensure the confidentiality of my data?
TLS encryption in transit, EU hosting (IONOS Germany) compliant with GDPR, internal audit trail tracking all access. No data sharing with third parties. Complete confidentiality of your loan and health file.

See also

Start your borrower insurance delegation

Advanced signature (AES), legal archiving, timestamped proof PDF. Zero hidden fees.

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