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Les primes sont en hausse

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

Votre renouvellement d’assurance habitation et auto s’accompagne d’une hausse salée ? C'est tout à fait normal !

Après avoir reçu des rabais temporaires en raison de la COVID-19, plusieurs clients écopent maintenant d’augmentations salées de leurs primes d’assurance auto et habitation.

En effet, selon plusieurs spécialistes, différents facteurs font que les primes d'assurance connaissent une hausse fulgurante cette année. 

L'année dernière, outre la hausse de la fréquence des sinistres et du coût moyen des réclamations, un constat s'imposait : le niveau des primes facturées aux consommateurs au cours des années précédente ne suffisait plus à couvrir le coût total des sinistres et des frais d'exploitation des assureurs.

"La tendance a commencé il y a environ 20 mois du côté commercial, où on a vu des hausses de 30, 50 %, même 200 %. Ça se transporte du côté des particuliers. Il y a facilement des hausses de 10, 15 ou 20 %. Pas pour tout le monde. Mais ce n’est pas rare.Sylvain Turgeon, président du Regroupement des cabinets de courtage d’assurance du Québec."

Suite au COVID, "plusieurs assureurs ont accordé des remises aux assurés qui utilisaient moins leur véhicule en raison du confinement, ce qui a réduit le nombre d’accidents. Les rabais de 10 à 25 % s’échelonnaient d’un à trois mois. Dans certains cas, ils étaient appliqués automatiquement. Dans d’autres, l’assuré devait en faire la demande. "

« Mais quand on a vu le gouvernement déconfiner, les augmentations sont revenues. Ce qu’on voit, nous, c’est des augmentations de 10, 15 %. Même 20 %, ça se peut », confirme Louis Thomas Labbé, président et chef de la direction de GPL Gallagher, un cabinet qui compte environ 11 000 clients particuliers.

"La hausse des primes d’assurance automobile est une tendance lourde depuis 2014. L’évolution technologique des voitures, qui sont munies de toutes sortes de capteurs et de caméras, fait grimper le coût des réparations à la suite d’un accident. Roulant à perte, les assureurs se rattrapent en haussant les primes, expose l’Autorité des marchés financiers (AMF) dans son rapport sur les institutions financières.Pour 2018, l’année la plus récente pour laquelle les statistiques sont disponibles, la prime moyenne a atteint 595 $, en hausse de 5,5 %. Il s’agissait de la quatrième année d’affilée d’augmentation.Côté habitation, « même s’il n’y a pas eu d’inondations au Québec ce printemps, les changements climatiques ont affecté l’expérience de réclamation ces dernières années », ajoute M. Turgeon.

Sources : https://www.lapresse.ca/affaires/finances-personnelles/2020-09-10/les-primes-d-assurance-grimpent-en-fleche.php

Pour en savoir plus sur les raisons et les manières d'éviter une hausse pour votre habitation: https://www.tvanouvelles.ca/2019/03/25/comment-eviter-une-hausse-salee-de-votre-assurance-habitation-1

Pour en savoir plus sur les raisons et les manières d'éviter une hausse pour votre auto: https://www.protegez-vous.ca/partenaires/bureau-dassurance-du-canada/une-hausse-des-primes-d-assurance-auto-pourquoi

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