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Vous déménagez? un aide-mémoire sur l'assurance et le déménagement

Tuesday, September 20, 2022 Dernière modification le Monday, September 26, 2022

Article en partenariat avec MovingWaldo - service centralisé de changements d'adresse

Un déménagement est l’occasion parfaite pour communiquer avec votre compagnie d’assurance, réévaluer la couverture offerte pour vos biens, et magasiner une assurance qui répond le mieux à votre nouvelle situation et à vos nouveaux besoins.

Afin que vous puissiez planifier convenablement votre Jour J, nous avons réuni ici les éléments-clés relevant de l’assurance et du déménagement.

Avant votre déménagement

Vérifiez votre assurance habitation : Quel genre de protection avez-vous en cas de sinistre? Vos biens sont-ils couverts adéquatement en cas de bris lors du déménagement? Y a-t-il des exceptions ou des exclusions? Ce sont des questions pertinentes à poser à votre compagnie d’assurance afin de vérifier si vous avez une protection optimale pour votre domicile et pour vos biens. Préparez-vous une liste de questions avant de contacter votre assureur pour être certain de ne rien oublier et d’être le mieux informé.


Magasinez une assurance : Après avoir vérifié votre type de couverture auprès de votre compagnie d’assurance, n’hésitez pas à rechercher les meilleures offres disponibles sur le marché. Effectivement, un changement de domicile implique souvent un changement de circonstance: une nouvelle situation financière, familiale ou professionnelle, de nouvelles responsabilités et de nouveaux besoins à combler. C’est donc le moment parfait pour magasiner une assurance qui convient à votre nouvelle situation : pour vous assurer d’obtenir la meilleure couverture possible, celle qui répond le mieux à vos nouveaux besoins.


Vérifiez le contrat d’assurance des déménageurs : Cet élément est souvent négligé, pourtant il est d’une grande importance d’être au courant de la couverture d’assurance offerte par la compagnie de déménagement avec qui vous faites affaire. À vrai dire, les compagnies de déménagement devraient avoir une assurance de base, mais est-elle convenable pour vos biens? Pour éviter les surprises, vérifiez le contrat d’assurance de votre compagnie de déménagement : les montants couverts par cette assurance en cas de bris, le montant de la franchise, leur responsabilité civile, pour ne nommer que quelques éléments sur lesquels porter votre attention.


Pendant votre déménagement

Le bon déroulement de votre déménagement dépend bien évidemment de votre planification avant le grand jour… mais vous ne pouvez pas tout prévoir!

Responsabilité civile : Votre police d’assurance habitation devrait tenir compte des dommages relevant de votre responsabilité civile. Ainsi, si vous faites appel à votre famille ou à vos amis pour votre déménagement, et que l’un d’entre eux se blesse en déplaçant un meuble, vos assurances pourraient couvrir les dommages. Évidemment, il est nécessaire de discuter avec votre représentant pour connaître quels dommages sont couverts, ainsi que les limites ou les exclusions au contrat.


Contrats d’assurance : Assurez-vous d’avoir vos contrats d’assurance (assurance habitation, assurance auto) à portée de main le jour du déménagement, cela vous évitera de devoir les chercher aux fonds des boîtes en carton en cas de besoin.


Après votre déménagement

Pensez à faire vos changements d’adresse : MovingWaldo est un service centralisé qui vous permet de faire vos changements d’adresse avec plus de 500 différentes organisations, en moins de 5 minutes! Pour simplifier votre processus de déménagement, la plateforme en ligne vous permet aussi de reconnecter vos services de télécommunications et de communiquer avec votre compagnie d’assurance, évitant ainsi les heures d’attente au téléphone. Enfin, sauvez du temps et déménagez simplement. Visitez www.movingwaldo.ca dès maintenant.

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