Click Insurance

Conducteur difficile à assurer

Tuesday, September 20, 2022 Dernière modification le Wednesday, September 21, 2022

On parle peu en assurance des conducteurs qui ont un mauvais dossier de conduite, plusieurs sinistres ou des problèmes de paiement. Si c’est votre situation ou si vous connaissez quelqu’un qui vit actuellement cela, lisez attentivement ce qui suit.

Définition du mauvais risque

Les assureurs évaluent le risque de réclamation que chaque assuré représente en fonction d’une multitude de critères qui diffèrent d’un assureur à l’autre en fonction de leurs expériences antérieures. Certains assurés rencontrent leurs critères de sélection (le terme exact en assurance est critère de souscription) ; l’assureur propose alors une prime qu’il juge raisonnable en fonction du risque qu’il a calculé.

Certaines personnes ne satisfont pas les exigences de l’assureur. Avez-vous remarqué que lors d’une soumission, on vous demande si un assureur vous a récemment refusé une assurance ? L’assureur veut évaluer si vous êtes un bon ou un mauvais risque pour lui.

Les refus les plus fréquents ont lieu quand :

- Vous avez eu une condamnation pour alcool au volant, conduite dangereuse;

- Vous avez eu trop d’infractions dans les trois à six dernières années;

- Vous n’avez pas payé votre prime d’assurance, rompant ainsi votre contrat d’assurance;

- Vous avez eu plusieurs réclamations dans les trois à six dernières années, par exemple plus d’un accident responsable ou plus de trois réclamations tout genre confondu.

ClicAssure peut vous aider

Il y a au Canada quelques assureurs spécialisés qui, contrairement aux autres, acceptent d’assurer de telles personnes. La prime offerte sera certes très élevée, mais il s’agit là d’un bon investissement afin de pouvoir conduire votre véhicule en toute légalité et démontrer que vous ne serez pas toujours un mauvais risque.

Lorsqu’on vous offre cette deuxième chance, veillez à respecter toutes les conditions du contrat à la lettre et ne jamais manquer un paiement. Au bout de deux à trois ans, votre prime baissera de façon substantielle.

ClicAssure transige avec des courtiers ayant accès à des assureurs spécialisés et est en mesure de vous proposer certains des meilleurs tarifs de l’industrie. Prenez quelques minutes afin de le constater vous-mêmes en complétant une demande de soumission.

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