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Assurer sa responsabilité en voyage

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

Quatrième article d'une série intitulée Assurance pour les aventuriers, en hommage aux intrépides aventuriers de l'équipe Wild Raven qui entament tout juste leur traversée du Canada en canot.

L’importance de couvrir sa responsabilité civile

Vous projetez de prendre une année sabbatique pour voyager ? Comme l’équipe de Wild Raven, vous partirez à l’aventure pendant plusieurs mois, sans domicile fixe. Pas de domicile, plus d’assurance habitation… C’est bien dommage, car votre assurance habitation comporte une couverture en responsabilité civile essentielle. 

Si jamais vous causez des dommages corporels ou matériels et que la personne lésée entame des procédures judiciaires contre vous et si vous êtes assuré, l’assureur s’engage à prendre votre défense et à régler les indemnités. Il n’y a pas de limite géographique à cette couverture. 

Si vous louez votre maison

Vous décidez de louer ou de prêter votre maison et vous souhaitez conserver de cette couverture en responsabilité civile. Attention ! Votre assurance habitation est un contrat dont le but premier est de couvrir seuls le bâtiment, les meubles vous appartenant et votre responsabilité civile si quelqu’un se blesse ou subit un dommage matériel sur les lieux assurés. 

Prenez le temps de bien lire votre police. Pour savoir si votre couverture d’assurance s’étend à vos faits et gestes, consultez la section Responsabilité. Vous devriez y lire un texte comme celui-ci :

« NOUS COUVRONS les conséquences pécuniaires de la Responsabilité Civile pouvant vous incomber en raison de dommages corporels ou dommages matériels ou de privation de jouissance en découlant, involontairement causés à des tiers, du fait de toute activité de votre vie privée, partout dans le monde. » Sinon, vous n’êtes pas couvert !

L’assurance parapluie (umbrella)

L’assurance parapluie est peut-être ce qu’il vous faut. Cette police d’assurance excédentaire en responsabilité civile est offerte le plus souvent aux personnes qui ont déjà de l’assurance habitation lorsqu’elles sont actives dans la communauté, voyagent souvent ou sont bénévoles, et donc plus à risque de poursuites judiciaires. Il vous faudra voir auprès de votre courtier si vous pouvez acheter cette assurance.

L’assurance parapluie offre généralement une protection en responsabilité civile allant jusqu’à 5 millions de dollars ainsi que des protections en responsabilité juridique, libelle, perte de revenu et dépenses juridiques. Cette couverture est mondiale.

Pour une couverture complète à un prix compétitif

Vous souhaitez obtenir les meilleures couvertures d’assurance à meilleur prix. ClicAssure est le choix qui s’impose. Prenez quelques minutes pour remplir notre formulaire et recevoir des offres avantageuses de nos partenaires assureurs. 

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