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Vos biens sont-ils suffisamment assurés?

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

Nous avons déjà parlé de l’importance d’établir un inventaire de tous vos biens. Le but de cet exercice est de rassembler dans un seul lieu toutes les informations pertinentes sur vos biens, notamment le prix d’achat et le coût de remplacement de chacun.

Faisons ensemble un exercice très important : consultez le texte de votre police habitation. Vous constaterez qu’il existe, dans la section « Garantie C – Biens meubles » des limitations particulières sur vos biens meubles.

En cas de vol, perte ou disparition

 Ainsi, votre assurance limite votre couverture aux montants indiqués sur la police. Voici un exemple de quelques-unes des limitations :

Manuscrits et les biens se rapportant à la numismatique et à la philatélie : 2 000 $;
Bijoux, les pierres précieuses ou fines, les perles et les montres : 2 000 $;
Vêtements de fourrure ou garnis de fourrure et les articles en fourrure : 2 000 $;
Cartes, notamment les cartes représentant des personnalités sportives et artistiques : 2 000 $;

Les limitations comprennent aussi habituellement les bicyclettes, électriques ou non, et les objets d’art, notamment les tableaux, peintures, dessins, gravures, estampes, lithographies, sculptures, statuettes, assemblages, tapis et tapisseries exécutées à la main. Notez que ces limitations n’entrent en jeu qu’en cas de vol, de perte et de disparition inexpliquée.

Limitations permanentes

Il existe une seconde catégorie de biens meubles qui fait l’objet de restrictions en tout temps, quelle que soit la nature du sinistre, sur le montant de couverture attribué. À titre d’exemple, voici certaines de ces limitations chez un assuré :

Bateaux ou les embarcations, assemblés ou non, notamment les pédalos, les radeaux et les planches à voile, avec leurs garnitures, accessoires, équipements et moteurs : 2 000 $;
Logiciels : 2 000 $;
Animaux, y compris les oiseaux et les poissons : 2 000 $;
Biens meubles se rapportant à des activités professionnelles, notamment les livres, les outils, les instruments, les vêtements et les marchandises : 2 000 $;
Tondeuses à gazon, tracteurs de jardin et chasse-neige, leurs accessoires et les remorques d'équipement : 5 000 $;
Vins et spiritueux à concurrence de 100 $ par contenant, sous réserve d’une limitation de : 5 000 $.

Rappelons que les montants indiqués ici sont donnés à titre d’exemple seulement et qu’ils diffèrent sans doute des limitations en vigueur sur votre police.

 Corriger les montants d’assurance

Si vous constatez que ces montants sont insuffisants, vous pouvez augmenter votre niveau de couverture globale. Avec une formule plus étendue, l’ensemble des limitations augmente.

Ceci ne protégera toutefois pas adéquatement vos avoirs lorsque leur valeur est importante. Pour cela, il vous est conseillé d’obtenir un avenant spécial, « objets expressément assurés », qui vous permettra d’assurer certains biens à leur valeur de collection sans être limité par votre couverture globale.

Pourquoi ne pas prendre quelques instants pour demander une soumission chez ClicAssure et voir combien d’argent vous pourriez économiser cette année ?

Référence : http://www.infoassurance.ca/ 

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