In the field of motorcycle insurance, Direct Assurance works with the company Run Assurance Moto, the best guarantee of quality in this sector. Different formulas are offered to the drivers, each of which provides various services: legal protection, death of the driver, driver security up to 15,000€, etc. All drivers who have taken out their insurance through Direct Assurance have the certainty that they will be offered assistance at any time of the day and every day, and that they will also be able to be rescued in any place, whether it is a breakdown or a puncture.
Whether it’s a fire or a weather event, with Direct Assurance you can always report an unfortunate event online. This way of doing things means that the investigation of the case can be triggered very quickly. You don’t need to be an Internet king to keep up to date on your car or home insurance coverage with the www.direct-assurance.fr website. In addition to digital communications, Direct Assurance experts are available to listen to customers on a simple call. On the internet, a personal account is assigned to each customer. Only they can consult it at any time. Administering the various coverages is therefore very easy.
A box called the Drive Box is provided free of charge by Direct Assurance. Installed in the vehicle, the box estimates various indicators: braking, speed and cornering, among others. A monthly score as well as the number of kilometres travelled allow for the pricing of the membership. Via the YouDrive app, Direct Assurance gives all drivers the opportunity to save up to 50% of their contributions. This includes all the insurance benefits: breakdown service in less than an hour, repairs guaranteed for life, etc. Youdrive.fr is the dedicated page that gives everyone the opportunity to be alerted and see the savings that can be made. Embedded inside the vehicle, the YouDrive service estimates the driver’s driving style and then sets the bonuses according to the performance obtained.
If an unfortunate event occurs, Direct Assurance gives responsibility for the procedure to a specialist, who keeps the insured informed in real time. Cash advance and emergency relocation are among the services offered to individuals who join Direct Assurance. The three options, Essential, Comfort and Comfort Plus, designed by Direct Assurance allow the entire family to benefit from comprehensive coverage.
Affiliated with the giant Axa, Direct Assurance provides different formulas for home, car and motorcycle insurance. Founded more than twenty years ago, the company has become a leader in insurance without intermediaries. Currently, hundreds of thousands of people subscribe to this company. On a daily basis, 900 experienced advisers offer all their expertise to members. They can be contacted easily, by calling or at any time on the web, through secure areas. The seriousness of the advisers and the amount of their services are Direct Assurance’s primary concern. Have you found a lower rate elsewhere? We pay you twice the difference.
To date, life insurance remains the most popular investment in France. Indeed, it was predestined to prepare the owner’s retirement. But why is it increasingly attractive to consumers? How exactly does it work? We’ll take a look at the subject…
Life insurance is an insurance contract taken out with a banking institution or an insurance company. The subscriber will then be required to pay a sum according to the terms of the contract and at the same time will receive interest for a specified period of time. Several conditions can be included in the contract: the amount of the payments, the duration of the contract, the regularity of the payments, the interest rate, etc. Once the term has expired, the insurer will have to pay out the sum saved with interest, either as a capital sum or as a life annuity.
Note: Life insurance makes it possible to maintain a good standard of living even after retirement. And it is also a good way to pass on money to your heirs and loved ones.
Up to now, there is no ceiling on payments. This is what makes the system so attractive. Whereas for the Livret A, the ceiling is 22,9950 euros for individuals and 76,500 euros for associations.
Similarly, savings are not blocked. If necessary, the holder can request partial or total “redemption” at any time. Nevertheless, it is to be expected that the fees will be more or less important depending on the institution. To avoid unpleasant surprises, read the terms of the contract carefully before signing.
In addition, there are several types of life insurance that can meet all requirements: investment in euros, investment in units of account or UC and investment in multiple units.
Finally, the subscriber can designate one or more beneficiaries of his choice, family members or not! And he also has the right to change the list as he wishes.
According to studies carried out, for the year 2017, the total net investment flows in the Livret A passbook savings account are estimated at €8 billion compared with €35 billion for life insurance. Thus, we can conclude that life insurance is the best savings vehicle for the French, even if the rate has decreased slightly compared to 2016.
Cortal Consors is launching three innovations that enable active stock market investors to perform better: smart protection thresholds, a tool for placing orders from a chart and a new version of the iPhone application that allows you to make transfers and place orders on mutual funds.
Cortal Consors is the first in France to offer a simple solution to protect investors against stock market declines: “SmartStops”. These are trigger threshold orders that automatically adjust to daily market trends and secure investors’ positions. They make it possible to identify the risk of a share’s decline and limit losses. SmartStops cover all CAC 40 and SRD stocks on the French market as well as the DAX 30, MDAX, TecDAX, DJ EuroStoxx 50, Nasdaq 100 and DowJones 30 indices.
Cortal Consors launches the “Ordre Graphique” tool, until now reserved for professionals, which allows stock market orders to be placed and viewed directly on the stock chart. Available on the Active Trader platform, this tool saves time and allows you to interact visually in real time with the evolution of prices. Investors can place orders simply, based on the results of their chartist analysis, without having to change screens and without losing sight of the market.
Finally, Cortal Consors offers a new version of its iPhone application, the Stock Market Appli, which not only allows investors to follow prices and place stock market orders in real time (shares, trackers, futures, warrants, etc.), but also to place orders on mutual funds. Customers can also make transfers and manage their investments while on the move (train, public transport, etc.), even in poor network conditions. The application is entirely free, click here to access it.
“As a specialist in the online stock market, our vocation is to offer our customers innovative services to make them more efficient. The “SmartStops” offer an adapted risk management solution to our customers; “Graphic Order” allows faster and more visual decision making; and “Cortal Consors’ Stock Exchange Appli” provides an answer to our customers’ expectations in terms of permanent availability” – says Fabien Vrignon, Stock Exchange Director of Cortal Consors France.
After having issued Bonus Cappé Certificates on equities and indices, BNP Paribas is the first issuer to offer Gold and Silver indexed Bonus Cappé Certificates through stock exchange products.
These Certificates offer an attractive potential performance at maturity if the price of the underlying does not fall below a floor during the life of the product. They are suitable for a medium-term investment horizon, their maturity date generally being between 6 and 24 months. See below for more information about Bonus Cappés Gold and Silver Bonus Certificates.
Listed continuously on the Paris Stock Exchange, these Certificates can be bought and sold at any time between 9:05 am and 5:30 pm.
Gold, a benchmark safe haven on the financial markets, has been an asset used for many years by investors as a source of portfolio diversification. Gold is particularly sought-after in times of market uncertainty, geopolitical risks and inflationary pressures. Like gold, silver also attracts many investors wishing to take advantage of its status as a precious metal and its industrial opportunities.
With the launch of these new Bonus Cappés Certificates, BNP Paribas Produits de Bourse opens up a simple and innovative way to invest in Gold and Silver.
To discover this new way to invest in Gold and Silver, a team of BNP Paribas Produits de Bourse experts is available to answer all questions from the public and investors.
Investors to the toll-free number 0 800 235 000
BNP PARIBAS Produits de Bourse offers retail investors a range of around 2,700 equity, index, commodity and currency derivatives listed and continuously traded on NYSE Euronext Paris.
Saxo Banque continues to expand in France and today announces the launch of its collateral trading offer. A genuine innovation in the online brokerage market, collateral trading enables Saxo Banque’s clients to use up to 75% of the value of their securities portfolio (shares and bonds) to invest in equities, commodities and indices via CFDs (contracts for difference) as well as Forex.
In concrete terms, when you have a securities account with a traditional broker, it is generally not possible to use these securities as collateral or guarantee to initiate new positions on the stock markets. The capital invested in shares or bonds is therefore immobilised.
At Saxo Bank, the securities portfolio can generate up to 75% of its value. This collateral can then be used to initiate new CFD or Forex positions. The capital invested in securities is therefore partly paid up and serves as a guarantee to invest up to 20 times the paid-up capital in CFDs or up to 100 times in Forex.
The share of collateral generated by the securities portfolio is valued by Saxo Bank on the basis of the composition of the equity and bond portfolio held by the Client. Generally speaking, the most liquid securities generate a higher proportion of collateral.
A Client with an initial securities portfolio worth €100,000 may benefit from collateral of up to €75,000. By activating the leverage available on Forex or CFDs, Saxo Banque’s Client can thus invest up to €7,500,000 on Forex or €1,500,000 on CFDs.
“This offer, exclusive on the online brokerage market, once again demonstrates our strong capacity for innovation. Indeed, we are committed to providing active investors with the optimal level of service and support that they are entitled to expect from their online broker today.
We were the only player in the market to offer a stock market investment service integrating equities, bonds, currencies, commodities, Forex and CFDs in a single account. We are now the only one to offer active investors the possibility of maximising their investment capacity through collateral trading.
Finally, this offer comes at the right time for professionals in the financial sector. Indeed, at a time when bonuses are often paid in shares, I am convinced that some will see this as a great opportunity…”.
New Saxo Bank Clients will also benefit from an offer to transfer their share and bond portfolio free of charge up to a transfer fee of €2,000, which will be reimbursed on request.
Foreign exchange (Forex) transactions and financial instruments offered by Saxo Banque France are highly speculative, in particular due to their leverage effect, and may expose you to risks of losses greater than the amount invested.
Cortal Consors, a specialist in savings and online brokerage, chooses Publicis Dialog to develop its brand awareness and image.
In order to strengthen its brand awareness and image, Cortal Consors is changing its visual identity by adopting the colour of its parent company BNP Paribas for its logo and launching a new advertising campaign.
In its sector, Cortal Consors has always been at the origin of many innovations. This new campaign asserts its positioning, thanks in particular to a new signature:
Cortal Consors, the most beautiful invention for your money
“The values of our brand are highlighted through a new visual identity based on expertise, innovation and support. The new signature confirms our desire to offer our clients innovative and accessible services to help them grow their financial assets” – says Benoît Gommard, Managing Director of Cortal Consors France.
The campaign will be rolled out, from the end of May, through a multi-media communication system: TV, press, Web, CRM.
“In fact, when you look precisely at the history of the Cortal Consors brand, you realize that it has invented everything or almost everything on its market: interest-bearing current accounts, the Sicav des Sicav, and the online purchase of physical gold… the list is long. We therefore proposed to use this brand truth as a lever to launch future inventions. All of this in a humorous, uncomplicated way… in short, without taking ourselves too seriously,” says Nicolas Zunz, Co-Chairman of Publicis Dialog.
A term account or WTP is a bank account that looks a few points like a savings account. However, they don’t work the same way. You earn interest with a savings account while you earn interest with a term account. You pay money into your savings account as often as you like. You make a single deposit when you open the term account.
Opening and closing the account is free of charge. And the term account does not require any management or deposit fees. Most financial institutions offer a term account. It reverses the role between the bank and the customer. In this case, it is the saver who lends money to the bank for a specific period of time. Are you looking for the best term account? You should know that the longer the term of the contract, the higher the interest rate. We can also talk about remuneration. The banks are free to set the amount and conditions of the remuneration. In addition, the remuneration obtained depends on the type of WCB you have opened. First of all, the fixed-rate WCB allows you to enjoy a fixed interest rate throughout the year, regardless of the duration of the contract. If the market rate rises, you lose out. However, if the market rate is falling, you are a winner. Then, the Step Rate WCB offers increasing compensation throughout the contract. The rate and frequency of the increase are fixed in advance in the contract. Finally, WCB Variable Rate has many positive and negative surprises in store for you. The rate applied by the bank is indexed to the market rate. The interest on the term account is calculated on a daily basis and not fortnightly like savings books.
The minimum deposit depends on each bank. It can range from a few hundred to a few thousand euros. You make a single deposit when you open the account. If you want to make another deposit later, you have to open another term account. In any case, all the information about the creation of the term account is mentioned in the contract signed between the bank and the saver. This contract includes the amount of the deposit, the term, the remuneration (the interest rate and the payment date), the conditions for renewal at the maturity of the WTP and the amount of penalties in case of early withdrawal.
Before opening a term account, you should know all the rules and regulations that govern it. Note that the remuneration you receive is classified as income from movable property. Therefore, it is subject to the single flat-rate withholding tax with an overall rate of 30%. This includes 12.8% income tax and 17.2% social security contributions. Then, study the stakes of your investment before you start. The sums are frozen for the duration of the period agreed by both parties. If you wish to unblock the sum before the term, you will be subject to a penalty. In case of withdrawal from the first month, the remuneration is cancelled. Beyond this period, other penalties may apply, such as a reduction in the interest rate or the charging of a flat-rate termination fee. In any case, a minimum notice period of 30 days must be observed. In order to avoid being penalised for a large sum, you are advised to open several term accounts instead of just one. Thus, the penalty will only apply to the account withdrawn before the due date.
You are a tenant and you want to invest your money? It’s crazy to think that renting an apartment is like throwing your money out the window. It may even be the best option to set aside enough money to maintain a good standard of living later on. But what kind of investment should you choose in this case?
Of course, the A passbook is a secure investment. Nevertheless, the return is not very attractive. So far, life insurance remains the best medium- and long-term investment available. It is a remunerative investment, especially if you opt for a multisupport contract. In this case, you should invest your money in a share, bond or money market instrument. Of course, you will be able to make your money grow up to 5%. However, the risks are nice and well there.
If you don’t want to confuse yourself with the loss of value of your capital, then you should prefer a contract with funds in euros. This way you will keep your capital and the interest that goes with it, regardless of the fluctuations of the financial market. Moreover, the return is around 3%.
Note: Your capital must be invested for a fixed period of time, usually between 8 and 10 years. Define your patrimonial projects in a few clicks on Althos Patrimoine.
The PEA is also a cost-effective solution, especially after the abolition of the 30% Flat Tax. The interest rate is between 3 to 5% net per year. Thus, you will avoid the internal management fees of a UCITS (Undertaking for Collective Investment in Transferable Securities). The advantage is that the ceiling is very interesting, up to €150,000. Similarly, you can make payments at any time as long as the threshold is not exceeded. And above all, the withdrawal is not subject to income tax.
Note: The PEA-SME is €75,000. You can add it to your classic PEA, which will give you a total of €225,000.
Even if you wish to keep the status of “tenant”, you can invest in a sustainable asset that will make you earn a few hundred euros every month. If you don’t want to leave your main residence, this is a rather interesting option. The objective is to buy a cheap house, which is located in a place where taxation and the price per square meter are more attractive. Then you can rent it out and pocket a monthly rent… On top of that, you will have built up a lasting heritage!
When you have some money problems, you can opt for various financing solutions such as credit consolidation for example. This is an excellent alternative for all your financial problems. Credit consolidation is the possibility of benefiting from a single credit for a borrower who has difficulty meeting his commitments. Indeed, this solution makes it possible to have a much reduced monthly payment. On the other hand, more often than not, the repayment period increases and you will have a slightly higher total cost of credit. However, this is not always the case. It’s up to you to study the question carefully. Don’t neglect this option if you find yourself in financial difficulty. But in concrete terms, how does credit consolidation work and what are the necessary steps?
A credit pool is a new credit pooling many loans. It is considered as a simple classic credit. The first step is to submit a credit consolidation application. Depending on your professional, financial and real estate situation, you will be offered different conditions for credit consolidation. Credit consolidation can be for people who want to enjoy financial independence. In fact, credit repurchase helps balance the borrower’s budget. It also allows you to avoid going through too complicated a process.
To apply for credit redemption, you must apply to a financial institution such as your bank or approach your broker. This consists of providing various information such as; your income, your number of outstanding credits, whether you are a tenant or owner, etc.
On the one hand, if you make your request to a bank, you should know that credit redemption is not necessarily within the remit of your advisor. On the other hand, if it is a product of your bank, your bank advisor will surely be able to respond correctly to your requirements and redirect you to the right branch. On the other hand, if it is with a broker, your application will simply be made on the Internet. The information you provide will then be used to analyse the feasibility of the transaction. Among the most important criteria are the debt ratio before and after the credit consolidation you wish to benefit from.
In fact, if the operation seems profitable for the borrower, your file will be able to go through the following steps. Note that the borrower must be perfectly familiar with your file to determine whether or not you are entitled to it via a credit repurchase simulation.
The credit simulation buyback consists in analysing the interest of the transaction. This simulation is also used to quantify the total cost of the new credit down to the last detail. The documents required beforehand vary according to the complexity of the file: proof of identity, domicile, housing, income, debts, bank account, outstanding loans, etc.
Afterwards, if the various financial institutions or brokers accept your application, you will now have the choice between several credit consolidation offers. Then, simply choose the one that suits you best. You choose among the offers you have received. Note that the goal is to choose the one that corresponds to your needs and expectations. In fact, you are bound to find an offer that is less expensive than the others, an option that will attract your attention. In this case, pay attention to the parameters of the credit repurchase, you must study them properly. Take well into account the total cost of the monthly payments, the duration of repayment, the possible expenses if there is a case of early repayment, etc. You should also be aware that you cannot accept an offer immediately. There is a legal cooling-off period of 14 days.
You finally move on to the release of the funds after final approval of the offer. In reality, the bank that holds your new credit will take care of repaying all existing credits. All in all, the credit consolidation transaction takes a minimum of one month to go from the first step until the funds are paid out. All of these steps are essential in order to be able to benefit from a credit repurchase.
Credit repurchase is a technique that tends to be increasingly used in France. This is due to the fact that many individuals and families opt for this loan solution in order to solve a financial problem or simply to finance a one-off project such as studies or the rehabilitation of a house, etc. Do you wish to make a loan repurchase? Then this guide on how loan repurchase works may be of use to you.
A credit repurchases or credit consolidation is a financial solution that consists of substituting one credit or combining several others that are outstanding into one credit. In addition, also known as a credit restructuring or consolidation, it may also involve the consolidation of different deficits that may be of a different nature: consumer credit, personal credit, works loan, real estate credit, revolving credit, family debt or tax debts, or loans taken out with different banks. In fact, some people mistakenly think that this operation is exclusive to situations of excessive indebtedness, whereas it may also concern the financing of a project that requires a fairly large sum of money, because in a credit consolidation it is possible to include a new loan under certain conditions. In fact, any eligible person with several outstanding loans or wishing to readjust the management of his income can claim a credit repurchase in the same way as a person who would like to finance a new project. There are two types of credit repurchase, such as consumer credit repurchase and real estate credit repurchase.
Credit pooling offers a large number of advantages against minimal disadvantages to lenders. Firstly, it reduces debt and insurance rates, but also limits the risk of over-indebtedness. Secondly, by grouping all your existing loans into a single batch, you will benefit from a considerably reduced overall monthly payment amount adapted to your repayment capacity. In addition, by avoiding the payment of several installments at the same time, you will only have to worry about a single monthly payment, a single fixed APR, a fixed term, a single contact person and a single bank. Thus, carrying out a credit consolidation allows you to better control your budget, to reorganize the management of your finances, while having the possibility to include the financing of new projects. However, the full term will be extended, which would increase the overall amount of financing.
Credit repurchases are often made with a new credit institution that will settle all previous deficits. However, as a lending institution, in order to validate the transaction, the latter will carry out a prior study of the possible risks of insolvency and of certain supporting documents of the applicant. First of all, in the case of a consumer credit consolidation or a real estate loan buy-back, the new banking institution will ensure that the borrower’s real capacity to repay will be sufficient and will guarantee his solvency. The bank will then analyse the stability of the borrower’s professional situation. Thus, the borrower must have a regular income, constant account management and the total cost of monthly repayments must not exceed one third of his income. In addition, the applicant must also be able to provide movable or immovable guarantees for capital payments. With regard to formalities, a copy of the marriage contract or the divorce decree will be required, if applicable. Finally, if the applicant is registered on the Central Cheque Register for payment incidents (FCC) or if he or she is facing over-indebtedness, the file will be immediately rejected.