{"id":1227,"date":"2016-09-16T14:03:13","date_gmt":"2016-09-16T12:03:13","guid":{"rendered":"https:\/\/kermobile.com\/?p=351"},"modified":"2016-09-16T14:03:13","modified_gmt":"2016-09-16T12:03:13","slug":"quel-est-le-bon-niveau-pour-une-franchise-dassurance","status":"publish","type":"post","link":"https:\/\/kermobile.com\/en\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\/","title":{"rendered":"Quel est le bon niveau pour une franchise d\u2019assurance\u00a0?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Quasiment tous les contrats d\u2019assurance comportent une franchise. Cette somme, qui reste \u00e0 la charge de l\u2019assur\u00e9 apr\u00e8s un sinistre, varie en fonction des risques couverts par l\u2019assurance et du type de garanties choisies. Franchise relative, absolue ou proportionnelle, quel est le&nbsp;<strong>bon niveau pour une franchise d\u2019assurance<\/strong>&nbsp;?<\/p>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>Diff\u00e9rents mod\u00e8les de franchise<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Avec une franchise absolue, un d\u00e9dommagement sera accord\u00e9 uniquement si le montant du sinistre d\u00e9passe celui de la franchise. L\u2019indemnisation correspond \u00e0 la diff\u00e9rence entre le montant de la franchise et celui du sinistre.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans le cadre d\u2019une franchise relative, le montant du sinistre devra \u00e9galement d\u00e9passer celui de la franchise mais la totalit\u00e9 de l\u2019indemnisation sera vers\u00e9. La franchise s\u2019apparente \u00e0 un seuil mais ne sera pas retir\u00e9e du montant du d\u00e9dommagement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La franchise proportionnelle correspond \u00e0 un pourcentage du montant des dommages avec un seuil de remboursement minimum et maximum.<\/p>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>Quel niveau de franchise choisir&nbsp;?&nbsp;<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La franchise absolue, la plus courante, est g\u00e9n\u00e9ralement plut\u00f4t \u00e9lev\u00e9e mais concerne fr\u00e9quemment les contrats dont les cotisations sont les plus basses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La franchise relative semble plus int\u00e9ressante comme elle n\u2019est pas d\u00e9duite du d\u00e9dommagement mais elle correspond souvent \u00e0 des contrats dont les cotisations sont plus \u00e9lev\u00e9es et les risques de sinistres possiblement plus on\u00e9reux.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La franchise proportionnelle s\u2019apparente en g\u00e9n\u00e9ral \u00e0 des contrats dont le montant des cotisations est assez attractif, cependant il faudra \u00eatre attentif au montant des seuils de remboursement parfois trop restreints.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Enfin, certains assureurs proposent des contrats sans franchise, dont la particularit\u00e9 est qu\u2019ils sont affect\u00e9s par des cotisations plut\u00f4t \u00e9lev\u00e9es.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La bonne nouvelle, c\u2019est que le montant d\u2019une franchise se n\u00e9gocie&nbsp;! &nbsp;Le<strong>&nbsp;bon niveau pour une franchise d\u2019assurance<\/strong>&nbsp;correspond donc \u00e0 un juste \u00e9quilibre entre le montant des cotisations et le montant de la franchise en rapport avec les risques encourus et la valeur \u00e0 couvrir en cas de sinistre total. L\u2019id\u00e9al est d\u2019obtenir de la part de son assureur une franchise de faible niveau sans voir flamber le montant des cotisations. Les assurances multirisques sont g\u00e9n\u00e9ralement les plus avantageuses sur ce point.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Quasiment tous les contrats d\u2019assurance comportent une franchise. Cette somme, qui reste \u00e0 la charge de l\u2019assur\u00e9 apr\u00e8s un sinistre, varie en fonction des risques couverts par l\u2019assurance et du type de garanties choisies. Franchise relative, absolue ou proportionnelle, quel est le&nbsp;bon niveau pour une franchise d\u2019assurance&nbsp;? Diff\u00e9rents mod\u00e8les de franchise Avec une franchise absolue, [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":200,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14,17],"tags":[34,28,35,36,37],"class_list":["post-1227","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-francais","tag-assurance","tag-assureur","tag-franchise","tag-negocier","tag-niveau"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Quel est le bon niveau pour une franchise d\u2019assurance\u00a0? - KerMobile<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kermobile.com\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Quel est le bon niveau pour une franchise d\u2019assurance\u00a0? - KerMobile\" \/>\n<meta property=\"og:description\" content=\"Quasiment tous les contrats d\u2019assurance comportent une franchise. Cette somme, qui reste \u00e0 la charge de l\u2019assur\u00e9 apr\u00e8s un sinistre, varie en fonction des risques couverts par l\u2019assurance et du type de garanties choisies. Franchise relative, absolue ou proportionnelle, quel est le&nbsp;bon niveau pour une franchise d\u2019assurance&nbsp;? Diff\u00e9rents mod\u00e8les de franchise Avec une franchise absolue, [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/kermobile.com\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\/\" \/>\n<meta property=\"og:site_name\" content=\"KerMobile\" \/>\n<meta property=\"article:published_time\" content=\"2016-09-16T12:03:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/kermobile.com\/wp-content\/uploads\/2022\/03\/K_P1_06_Quel-est-le-bon-niveau-pour-une-franchise-dassurance.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"850\" \/>\n\t<meta property=\"og:image:height\" content=\"601\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Bruno de Terline\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bruno de Terline\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/kermobile.com\\\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/kermobile.com\\\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\\\/\"},\"author\":{\"name\":\"Bruno de Terline\",\"@id\":\"https:\\\/\\\/kermobile.com\\\/#\\\/schema\\\/person\\\/21e214820521217b41a8b9a3ff818da9\"},\"headline\":\"Quel est le bon niveau pour une franchise d\u2019assurance\u00a0?\",\"datePublished\":\"2016-09-16T12:03:13+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/kermobile.com\\\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\\\/\"},\"wordCount\":393,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/kermobile.com\\\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/kermobile.com\\\/wp-content\\\/uploads\\\/2022\\\/03\\\/K_P1_06_Quel-est-le-bon-niveau-pour-une-franchise-dassurance.jpg\",\"keywords\":[\"ASSURANCE\",\"ASSUREUR\",\"FRANCHISE\",\"N\u00c9GOCIER\",\"NIVEAU\"],\"articleSection\":[\"Blog\",\"Fran\u00e7ais\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/kermobile.com\\\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/kermobile.com\\\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\\\/\",\"url\":\"https:\\\/\\\/kermobile.com\\\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\\\/\",\"name\":\"Quel est le bon niveau pour une franchise d\u2019assurance\u00a0? - KerMobile\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/kermobile.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/kermobile.com\\\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/kermobile.com\\\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/kermobile.com\\\/wp-content\\\/uploads\\\/2022\\\/03\\\/K_P1_06_Quel-est-le-bon-niveau-pour-une-franchise-dassurance.jpg\",\"datePublished\":\"2016-09-16T12:03:13+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/kermobile.com\\\/#\\\/schema\\\/person\\\/21e214820521217b41a8b9a3ff818da9\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/kermobile.com\\\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/kermobile.com\\\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/kermobile.com\\\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\\\/#primaryimage\",\"url\":\"https:\\\/\\\/kermobile.com\\\/wp-content\\\/uploads\\\/2022\\\/03\\\/K_P1_06_Quel-est-le-bon-niveau-pour-une-franchise-dassurance.jpg\",\"contentUrl\":\"https:\\\/\\\/kermobile.com\\\/wp-content\\\/uploads\\\/2022\\\/03\\\/K_P1_06_Quel-est-le-bon-niveau-pour-une-franchise-dassurance.jpg\",\"width\":850,\"height\":601,\"caption\":\"Gears and Quality Assurance Mechanism\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/kermobile.com\\\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/kermobile.com\\\/en\\\/home\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Quel est le bon niveau pour une franchise d\u2019assurance\u00a0?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/kermobile.com\\\/#website\",\"url\":\"https:\\\/\\\/kermobile.com\\\/\",\"name\":\"KerMobile\",\"description\":\"KerMobile Solutions\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/kermobile.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/kermobile.com\\\/#\\\/schema\\\/person\\\/21e214820521217b41a8b9a3ff818da9\",\"name\":\"Bruno de Terline\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/e4d8e17951b6e45c3b864d5ec241218ccb0277712c2518ea0e6cd1dc20067bfa?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/e4d8e17951b6e45c3b864d5ec241218ccb0277712c2518ea0e6cd1dc20067bfa?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/e4d8e17951b6e45c3b864d5ec241218ccb0277712c2518ea0e6cd1dc20067bfa?s=96&d=mm&r=g\",\"caption\":\"Bruno de Terline\"},\"url\":\"https:\\\/\\\/kermobile.com\\\/en\\\/author\\\/bruno\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Quel est le bon niveau pour une franchise d\u2019assurance\u00a0? - KerMobile","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/kermobile.com\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\/","og_locale":"en_US","og_type":"article","og_title":"Quel est le bon niveau pour une franchise d\u2019assurance\u00a0? - KerMobile","og_description":"Quasiment tous les contrats d\u2019assurance comportent une franchise. Cette somme, qui reste \u00e0 la charge de l\u2019assur\u00e9 apr\u00e8s un sinistre, varie en fonction des risques couverts par l\u2019assurance et du type de garanties choisies. Franchise relative, absolue ou proportionnelle, quel est le&nbsp;bon niveau pour une franchise d\u2019assurance&nbsp;? Diff\u00e9rents mod\u00e8les de franchise Avec une franchise absolue, [&hellip;]","og_url":"https:\/\/kermobile.com\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\/","og_site_name":"KerMobile","article_published_time":"2016-09-16T12:03:13+00:00","og_image":[{"width":850,"height":601,"url":"https:\/\/kermobile.com\/wp-content\/uploads\/2022\/03\/K_P1_06_Quel-est-le-bon-niveau-pour-une-franchise-dassurance.jpg","type":"image\/jpeg"}],"author":"Bruno de Terline","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Bruno de Terline","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/kermobile.com\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\/#article","isPartOf":{"@id":"https:\/\/kermobile.com\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\/"},"author":{"name":"Bruno de Terline","@id":"https:\/\/kermobile.com\/#\/schema\/person\/21e214820521217b41a8b9a3ff818da9"},"headline":"Quel est le bon niveau pour une franchise d\u2019assurance\u00a0?","datePublished":"2016-09-16T12:03:13+00:00","mainEntityOfPage":{"@id":"https:\/\/kermobile.com\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\/"},"wordCount":393,"commentCount":0,"image":{"@id":"https:\/\/kermobile.com\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\/#primaryimage"},"thumbnailUrl":"https:\/\/kermobile.com\/wp-content\/uploads\/2022\/03\/K_P1_06_Quel-est-le-bon-niveau-pour-une-franchise-dassurance.jpg","keywords":["ASSURANCE","ASSUREUR","FRANCHISE","N\u00c9GOCIER","NIVEAU"],"articleSection":["Blog","Fran\u00e7ais"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/kermobile.com\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/kermobile.com\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\/","url":"https:\/\/kermobile.com\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\/","name":"Quel est le bon niveau pour une franchise d\u2019assurance\u00a0? - KerMobile","isPartOf":{"@id":"https:\/\/kermobile.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/kermobile.com\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\/#primaryimage"},"image":{"@id":"https:\/\/kermobile.com\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\/#primaryimage"},"thumbnailUrl":"https:\/\/kermobile.com\/wp-content\/uploads\/2022\/03\/K_P1_06_Quel-est-le-bon-niveau-pour-une-franchise-dassurance.jpg","datePublished":"2016-09-16T12:03:13+00:00","author":{"@id":"https:\/\/kermobile.com\/#\/schema\/person\/21e214820521217b41a8b9a3ff818da9"},"breadcrumb":{"@id":"https:\/\/kermobile.com\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/kermobile.com\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/kermobile.com\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\/#primaryimage","url":"https:\/\/kermobile.com\/wp-content\/uploads\/2022\/03\/K_P1_06_Quel-est-le-bon-niveau-pour-une-franchise-dassurance.jpg","contentUrl":"https:\/\/kermobile.com\/wp-content\/uploads\/2022\/03\/K_P1_06_Quel-est-le-bon-niveau-pour-une-franchise-dassurance.jpg","width":850,"height":601,"caption":"Gears and Quality Assurance Mechanism"},{"@type":"BreadcrumbList","@id":"https:\/\/kermobile.com\/quel-est-le-bon-niveau-pour-une-franchise-dassurance\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/kermobile.com\/en\/home\/"},{"@type":"ListItem","position":2,"name":"Quel est le bon niveau pour une franchise d\u2019assurance\u00a0?"}]},{"@type":"WebSite","@id":"https:\/\/kermobile.com\/#website","url":"https:\/\/kermobile.com\/","name":"KerMobile","description":"KerMobile Solutions","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/kermobile.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/kermobile.com\/#\/schema\/person\/21e214820521217b41a8b9a3ff818da9","name":"Bruno de Terline","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/e4d8e17951b6e45c3b864d5ec241218ccb0277712c2518ea0e6cd1dc20067bfa?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e4d8e17951b6e45c3b864d5ec241218ccb0277712c2518ea0e6cd1dc20067bfa?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/e4d8e17951b6e45c3b864d5ec241218ccb0277712c2518ea0e6cd1dc20067bfa?s=96&d=mm&r=g","caption":"Bruno de Terline"},"url":"https:\/\/kermobile.com\/en\/author\/bruno\/"}]}},"_links":{"self":[{"href":"https:\/\/kermobile.com\/en\/wp-json\/wp\/v2\/posts\/1227","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kermobile.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kermobile.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kermobile.com\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/kermobile.com\/en\/wp-json\/wp\/v2\/comments?post=1227"}],"version-history":[{"count":0,"href":"https:\/\/kermobile.com\/en\/wp-json\/wp\/v2\/posts\/1227\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kermobile.com\/en\/wp-json\/wp\/v2\/media\/200"}],"wp:attachment":[{"href":"https:\/\/kermobile.com\/en\/wp-json\/wp\/v2\/media?parent=1227"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kermobile.com\/en\/wp-json\/wp\/v2\/categories?post=1227"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kermobile.com\/en\/wp-json\/wp\/v2\/tags?post=1227"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}