La Banque Postale MRH review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
La Banque Postale MRH suits households in France that want one broker covering home, car, health and pet, with claims handled at a post office branch. The trade-off is the €240 excess on the home policy, which many will pay for the branch network.
Key facts
- Best for
- One broker for home and everyday cover, with claims handled in post office branches.
- Premium from
- €11.33↗
- Insurance types
- Auto, Home, Renters, Landlord, Health, Pet, Motorcycle, Critical-illness, Income-protection, Gadget↗
- Provider type
- Broker↗
- Monthly payments
- Yes↗
- Excess from
- €240↗
- Claims channels
- Online, Phone, Post-office-branch↗
- Age range
- Subscription up to the 80th birthday, death cover up to the 85th birthday↗
- Legal entity
- La Banque Postale SA (Societe Anonyme a Directoire et Conseil de Surveillance), RCS Paris 421100645↗
- Headquarters
- France↗
- Founded
- 2006↗
- Support channels
- Phone, Help-centre↗
- Audience
- Seniors
- Pricing model
- Monthly
- Official website
- labanquepostale.fr
Facts checked September 26, 2026, 3 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- One broker for the household, with cover spanning auto, home and renters.
- Claims run on online, phone and post office branch, so a post office branch works alongside phone and online.
- Monthly payments are available, and support runs on phone and help centre.
- Registered with ORIAS as an insurance and credit intermediary, licence 07 023 424.
Cons
- Help runs on phone and help centre only, so there is no email or live chat.
- The home excess starts at €240, so small claims can be cheaper to absorb yourself.
- It is a broker rather than the insurer (broker), so the underwriting company is chosen for you.
Who it suits
- Households in France that want home, car, health and pet cover arranged through one broker.
- People insuring a home near a post office branch, since claims can be started there.
- Borrowers taking out mortgage cover later in life, with subscription and death cover that run past the usual point.
Who should look elsewhere
- bunq, if a digital bank with a starting figure of €0 fits you better than French home cover.
- Linxea, if you would rather put money into savings than insure a home, with a starting figure of €25.
- bunq Spain, if you are outside France and want the same digital brand, since this broker is based in France.
Who runs it
La Banque Postale MRH sits under La Banque Postale SA, a French company limited by shares, in a market it has served since 2006. It is based in France and is registered with ORIAS, the official register of insurance and credit intermediaries, under 07 023 424. Day to day help comes through phone and help centre.
How La Banque Postale MRH compares
8.9 vs 8.6
8.9 vs 9.4
8.9 vs 9.3
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8.9 vs 9.4
8.9 vs 9.4
8.9 vs 8.7Savings first rather than general insurance, with a listed starting figure of €25.
8.9 vs 9.0
8.9 vs 8.8A different kind of provider, with a listed starting figure of €0 rather than a French home policy.
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Where La Banque Postale MRH is available
- Available
- France
- Licence in France
- ORIAS (official register of insurance and credit intermediaries) (07 023 424), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the cheapest cover cost?+
Cover starts at €11.33 on the home policy, and that is the figure the site ranks on. It is a starting price rather than a quote, so premiums for car, health and pet cover work out separately, and the final amount depends on what you insure.
What kinds of insurance can I get?+
The range runs to auto, home and renters, so home, car and motorcycle sit alongside health, pet, critical illness and income protection. Each policy is arranged with an insurer, since the brand is a broker rather than the underwriter itself.
Can I pay monthly?+
Yes. Monthly payments are available and the standard model is monthly, so the premium is spread across the year instead of paid in one go. That suits households that would rather hold a predictable monthly cost than a larger annual payment.
What is the excess on the home policy?+
The home excess starts at €240, which is the amount you contribute towards a claim. Below that level the insurer pays nothing, so a small claim can work out cheaper to absorb yourself. It is a starting figure and can differ by cover and optional extras.
How do I make a claim?+
Claims can be started on online, phone and post office branch, which covers online, phone and the post office branch network. A local branch is the useful part for anyone who would rather speak to someone in person than manage a claim through an app or a call.
How do I get help?+
Support runs on phone and help centre, so a phone line and a help centre are the two routes available. There is no email or live chat in that list, which matters if you would rather write and wait for a reply than phone.
Who regulates the broker?+
It is registered with ORIAS, the official register of insurance and credit intermediaries, under 07 023 424. That register covers intermediaries in France, and the entry shows the broker is permitted to distribute cover here.
Who is the cover aimed at?+
The listed audience is seniors, and the borrower policy reflects that: subscription can run later into life than most, with death cover lasting longer than the subscription itself. That makes it a sensible fit for older borrowers insuring a mortgage.
Sources
- labanquepostale.fr checked September 26, 2026
Backs: Provider type, Founded, Headquarters, Insurance types, Legal entity, Licences
“Born in 2006, our bank has grown with you”
- labanquepostale.fr/particulier/assurer/assurances-logemen... checked September 26, 2026
Backs: Claims channels, Excess from, Pricing model, Monthly payments, Premium from, Support channels
“Your claim declaration accessible online in a few clicks ... 02.28.09.43.60 ... You can also get your quote in your Post Office”
- labanquepostale.fr/particulier/emprunter/assurance-de-fin... checked September 26, 2026
Backs: Age range, Audience
“subscription possible up to the 80th birthday with death cover up to the 85th birthday”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
La Banque Postale MRH
One broker for home and everyday cover, with claims handled in post office branches.