Can’t agree more… I like to think that ‘cheap’ products are actually quite expensive over time 
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Now thats odd, because my current advisor said exactly the same thing, however as has since been proven with Allianz this is definitely not the case - and believe me I did exactly that ie I cancelled and then sent the letter via registered post the day after I received the details of the increased premium, (in December) and Allianz refused to cancel as my contract they said was not subject to the loi chatel - even with the power of the broker behind me, it made not one jot of difference thus I am still with Allianz until the end of my contract on the 31st of December - and yes there are plenty of brokers who tried to persuade me to sign up before but I am way too cautious to do that. As for you get what you pay for - as discussed before - I do not believe the get what you pay for scenario - I still like to do my own research and hope I am capable enough to get a better deal for me - re long term brokers, my own local one (car and buildings only now) leaves a lot to be desired - after all they speak english and are soo busy dont you know…I hope I have the wherewithall to do my own research - I have no regrets so far… Mr Lees - re being in business - ok so that is true but my business was the business of financial advice - different ball game from buying a mower battery. Fabien - Re cheap products over time, seriously - we are talking mutuelles and top up policies here not cheap products at all…and after my research you certainly do not get what you pay for from different companies - it is not a level playing field.
For the sake of the conversation I won’t be arguing with you @maggib but I do agree with @graham as services (whatever they are with a bank, lawyer, insurer, etc.) are just like any other products and I do think like Graham that if one go for the cheapest end it might prove to be much more costly ultimately. Especially regarding advices as it takes only one thing that’s been overlooked to get the whole service wrong
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Im glad you found what you were looking for and are happy with your own findings. That’s the beauty of having the choice with your provider, there is something for everyone
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Don’t you just love experts who know everything…
Many years ago my B-I-L travelled half way round Essex to save about a £1 on a garden fork. Must have spent at least 10 times that on petrol but yes, he made a saving.
Perhaps with your superior knowledge and expertise, you should set up an alternative service to Fabien (only just don’t expect me to excited enough to change my allegiance).
What I do subscribe to is the notion that an expert can be broken down into two component parts… ex (as “has been”)and spurt (a drip under pressure).
Don’t you just love folk who contribute to a forum and can debate without resorting to insults. I am so sorry you consider me a “has been” - still I will “survive”. Oh wait a minute I did not realise this debate was actually an advertisement for Fabien’s services - seriously sorry now to have intruded.
@maggib sorry if you feel offended but I don’t think I’ve insulted you in any way. If you’ve perceived my words as such you have my most sincere apologies as this wasn’t the intent. As to the advertisement just know that I’ve never asked for any of this, the comments in here are 100% organic I haven’t paid or asked for any endorsement or comment. That being said I won’t be commenting / arguing any further as it feels like the quality of the conversation is quickly deteriorating and again my initial intend was to provide a positive contribution not open up a debate. Cheers and love to everyone involved in the conversation
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I am only giving credit where it is due. I have no professional connection with Fabien just don’t like to see him dissed when he has provided us with an exceptional service and that is worthy of note. There are many members on this forum who too have enjoyed Fabien services so I am not alone in this view. You clearly don’t like being challenged so like others have done I shall leave this discussion so you revel in your own self importance.
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@fabien I don’t see that you have anything to apologise for.
You told it like it is just as you were brutally honest with us about our options and we have no regrets about following your good advice as we will again, I am sure.
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Hi Fabien - I have been trying to contact you via messenger but not had a response…Can you send me your contact details please Many thanks Sue Craig
Hi Peter contacted our bank and they said if you apply before your 74 it will continue on long after that birthday as long as you stay with them of course …which limits things somewhat?
Hi @susan_Craig, sorry I missed your contact on Facebook messenger but I’m no longer using Facebook (only to peek from time to time) but clearly I haven’t looked into my FB messages for a long time. You can reach me directly to fabien@pepite-courtage.com and I’ll be happy to assist if I can. Kind regards,
I was 79 when I twigged that we would need a mutuelle top-up if ever my wife or I needed urgent surgery after an accident in the home, if we were not to incur up-front charges before admission to a hospital bed. I am now 80 and my wife is 74 (don’t tell her I let on, she passes for half that age).
I approached Fabien with a bunch of specific questions on a number of possible scenarios and he gave very full answers, and a number of options I could consider, including a specimen policy and quote. I never felt under any pressure to complete any deal with him.
I was surprised at the very acceptable quote he gave us, Euro 67 per month covering the two of us for such exigencies. We accepted and the poicy was quickly activated,and our cover put in place.
Completely co-incidentally my wife was found by the local optometrist to have bilateral cataracts that needed urgent surgery. Less than a month later she has operations scheduled this week and later in the month to treat both eyes, very efficiently and smoothly, and with guaranteed reimbursements on the costs, and nothing alarming upfront - thanks to the mutuelle.
Can’t fault Fabien’s service, and friendly ‘hand-holding’ when any doubts or anxieties crip up, as they usually do.
One can only speak as one finds, and Fabien never solicits testimonials, and really doesn’t need to, in my opinion. Good luck to him, he works hard and values his customers.
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Thanks for your support Peter, I really appreciate reading that kind of comment early in the morning That’s actually part of the reason why I’m doing this job: feeling useful once and a while 
Happy to keep doing my best as long as I can!
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That’s good news Pete!
Best Wishes to ‘Mrs Pete’ for Her upcoming surgery. 
Thanks Bill, just been putting pre-op drops in her darling eye, your kindness is a great gift,Marra 
and we value both your support.
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You’re a very decent man, very conscientious, and we value your concern and skill, Fabien 
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Peter, please send your wife my warmest wishes. I hope her surgery goes well and I will be thinking of you both.
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Next week Peter is my weekus horribilis as I have an eye injection on Tuesday followed by a cataract operation on the same eye on Friday Ugh!
This will involve a 2 day stay in hospital for the cataract op given my ‘other’ issues so really not looking forward to it. The ‘drops’ is the least of my worries…