In Caen, he seeks the cheapest insurance for his clients: auto, health, home…

Antoine Thomas, broker, heads the Nacre Assurance agency in Caen. ©Maxence Gorregues

In the Clémenceau district in Caen (Calvados), several shops have opened in recent months, in a very dynamic sector of the city. Among them, an agency dedicated to insurance brokerage and in immovable.

Why did you open an agency in the Clémenceau district?

We decided to settle in this area because it lacks this kind of business. In addition, it is a very busy axis and flow provider.

What is an insurance and mortgage broker?

The insurance broker is a professional who works with several companies (Generali, Aviva, Swiss Life, AXA, etc.). He compares all their insurance policies for his clients (health, car, motorbike, pension, home, borrower insurance). The strength of an insurance broker is to be able to save his clients money. Our strength and that we have access to all the companies on the market. We sort and analyze the contracts in order to find the best guarantees at the best price. The profession of real estate loan broker is comparable. We study clients’ real estate projects and select the best positioned banks in terms of conditions and rates.

Key savings

Why do you think it is better to contact a broker than to go directly to your bank advisor or insurer? Can you give us examples?

The broker is not subject to any company or bank. He has no economic interest in selling to a particular company or bank. He has no direct subordination links with banks and insurance companies.

For loan insurance, for example: banks charge extremely high prices to insure borrowers. Insurance brokers are doing well by offering much lower prices. For example, over 25 years, a borrower saves on average between 5,000 and 7,000 euros on his mortgage by delegating insurance to an insurance broker.

Do your offers concern all individuals?

Our offers are aimed at all types of customers, both individuals and professionals. For professionals, we have investment, pension and mutual fund solutions. We equip many companies in Caen and Paris with regard to collective mutual insurance, employee mutual insurance. We have unbeatable rates and conditions, because the insurance broker can negotiate certain pricing conditions directly with the companies.

Practice. Mother of pearl insurance, 129 Av. Georges Clemenceau in Caen. Phone. 06 25 00 20 74

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