{"id":1228,"date":"2016-10-07T14:16:59","date_gmt":"2016-10-07T12:16:59","guid":{"rendered":"https:\/\/kermobile.com\/?p=365"},"modified":"2016-10-07T14:16:59","modified_gmt":"2016-10-07T12:16:59","slug":"refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves","status":"publish","type":"post","link":"https:\/\/kermobile.com\/en\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\/","title":{"rendered":"Refus ou radiation des assurances face aux risques trop \u00e9lev\u00e9s"},"content":{"rendered":"\n<p>Si de nombreuses&nbsp;<strong>assurances&nbsp;<\/strong>sont obligatoires, les assureurs ne sont absolument dans l\u2019obligation d\u2019accepter tous types de couvertures pour leurs clients.&nbsp; Sous certaines conditions, les&nbsp;<strong>assurance<\/strong>s sont en droit d\u2019\u00e9mettre un&nbsp;<strong>refus ou radiation<\/strong>&nbsp;pour un contrat en cours.<\/p>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>Radiation pour causes diverses<\/strong><\/h2>\n\n\n\n<p>L\u2019assureur peut r\u00e9silier le contrat \u00e0 son \u00e9ch\u00e9ance sans avoir \u00e0 se justifier, par lettre recommand\u00e9e, \u00e0 condition de signifier un pr\u00e9avis de 2 mois.<\/p>\n\n\n\n<p>Le non-paiement des primes d\u2019assurances \u00e0 \u00e9ch\u00e9ance est une condition de radiation si la situation n\u2019est pas r\u00e9gularis\u00e9e dans les 30 jours.<\/p>\n\n\n\n<p>A L\u2019issue d\u2019un sinistre, et si le contrat le mentionne, la compagnie peut r\u00e9silier ce dernier par lettre recommand\u00e9e avec un pr\u00e9avis de 30 jours apr\u00e8s un sinistre.<\/p>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>Situations de refus d\u2019assurance par une compagnie<\/strong><\/h2>\n\n\n\n<p>La r\u00e9p\u00e9tition de sinistres est un facteur fr\u00e9quent pour le&nbsp;<strong>refus ou radiation&nbsp;<\/strong>de la couverture d\u2019assurances. Le refus peut \u00eatre signifi\u00e9 lors de la souscription d\u2019un contrat et ce, m\u00eame si les causes li\u00e9es aux sinistres sont diff\u00e9rentes&nbsp;! Ce rejet intervient g\u00e9n\u00e9ralement dans les cas de d\u00e9g\u00e2ts des eaux ou de vols \u00e0 r\u00e9p\u00e9tition.<\/p>\n\n\n\n<p>Toute modification de la situation du risque \u00e0 couvrir, pouvant avoir une incidence sur le contrat doit \u00eatre signal\u00e9e dans les 10 jours par lettre recommand\u00e9e \u00e0 la compagnie d\u2019assurances. Si celle-ci juge que les transformations effectu\u00e9es sont de nature \u00e0 engendrer une aggravation du risque, elles sont en droit de formuler un rejet du contrat d\u2019assurance.<\/p>\n\n\n\n<p>Toute fausse d\u00e9claration ou omission de d\u00e9claration de responsabilit\u00e9 sont des facteurs de&nbsp;<strong>refus ou radiation<\/strong>&nbsp;de couverture. Ainsi il est pr\u00e9f\u00e9rable de jouer franc-jeu avec son assureur sous peine de recevoir une notification de&nbsp;<strong>radiation<\/strong>&nbsp;par lettre recommand\u00e9e<\/p>\n\n\n\n<p>Souscrire un nouveau contrat d\u2019assurances apr\u00e8s une radiation s\u2019av\u00e8re tr\u00e8s compliqu\u00e9&nbsp;! Et, dans le cas d\u2019une acceptation de dossier, les nouvelles primes peuvent atteindre des sommes consid\u00e9rables.<\/p>\n\n\n\n<p>Mieux vaut donc pr\u00e9senter un dossier rassurant aux assureurs, d\u00e9montrant un vrai engagement en termes de pr\u00e9vention des risques.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Si de nombreuses&nbsp;assurances&nbsp;sont obligatoires, les assureurs ne sont absolument dans l\u2019obligation d\u2019accepter tous types de couvertures pour leurs clients.&nbsp; Sous certaines conditions, les&nbsp;assurances sont en droit d\u2019\u00e9mettre un&nbsp;refus ou radiation&nbsp;pour un contrat en cours. Radiation pour causes diverses L\u2019assureur peut r\u00e9silier le contrat \u00e0 son \u00e9ch\u00e9ance sans avoir \u00e0 se justifier, par lettre recommand\u00e9e, \u00e0 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":211,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14,17],"tags":[13,58,59,60,41,18],"class_list":["post-1228","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-francais","tag-assurances","tag-franchises","tag-radiation","tag-refus","tag-risques","tag-sinistre"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Refus ou radiation des assurances face aux risques trop \u00e9lev\u00e9s - 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\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Refus ou radiation des assurances face aux risques trop \u00e9lev\u00e9s - KerMobile\" \/>\n<meta property=\"og:description\" content=\"Si de nombreuses&nbsp;assurances&nbsp;sont obligatoires, les assureurs ne sont absolument dans l\u2019obligation d\u2019accepter tous types de couvertures pour leurs clients.&nbsp; Sous certaines conditions, les&nbsp;assurances sont en droit d\u2019\u00e9mettre un&nbsp;refus ou radiation&nbsp;pour un contrat en cours. Radiation pour causes diverses L\u2019assureur peut r\u00e9silier le contrat \u00e0 son \u00e9ch\u00e9ance sans avoir \u00e0 se justifier, par lettre recommand\u00e9e, \u00e0 [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/kermobile.com\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\/\" \/>\n<meta property=\"og:site_name\" content=\"KerMobile\" \/>\n<meta property=\"article:published_time\" content=\"2016-10-07T12:16:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/kermobile.com\/wp-content\/uploads\/2022\/03\/K_P2_05_Refus-de-souscription-dun-contrat-dassurances-sous-quelles-conditions.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"849\" \/>\n\t<meta property=\"og:image:height\" content=\"565\" \/>\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\\\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/kermobile.com\\\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\\\/\"},\"author\":{\"name\":\"Bruno de Terline\",\"@id\":\"https:\\\/\\\/kermobile.com\\\/#\\\/schema\\\/person\\\/21e214820521217b41a8b9a3ff818da9\"},\"headline\":\"Refus ou radiation des assurances face aux risques trop \u00e9lev\u00e9s\",\"datePublished\":\"2016-10-07T12:16:59+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/kermobile.com\\\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\\\/\"},\"wordCount\":389,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/kermobile.com\\\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/kermobile.com\\\/wp-content\\\/uploads\\\/2022\\\/03\\\/K_P2_05_Refus-de-souscription-dun-contrat-dassurances-sous-quelles-conditions.jpg\",\"keywords\":[\"ASSURANCES\",\"FRANCHISES\",\"RADIATION\",\"REFUS\",\"RISQUES\",\"SINISTRE\"],\"articleSection\":[\"Blog\",\"Fran\u00e7ais\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/kermobile.com\\\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/kermobile.com\\\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\\\/\",\"url\":\"https:\\\/\\\/kermobile.com\\\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\\\/\",\"name\":\"Refus ou radiation des assurances face aux risques trop \u00e9lev\u00e9s - KerMobile\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/kermobile.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/kermobile.com\\\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/kermobile.com\\\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/kermobile.com\\\/wp-content\\\/uploads\\\/2022\\\/03\\\/K_P2_05_Refus-de-souscription-dun-contrat-dassurances-sous-quelles-conditions.jpg\",\"datePublished\":\"2016-10-07T12:16:59+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/kermobile.com\\\/#\\\/schema\\\/person\\\/21e214820521217b41a8b9a3ff818da9\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/kermobile.com\\\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/kermobile.com\\\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/kermobile.com\\\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\\\/#primaryimage\",\"url\":\"https:\\\/\\\/kermobile.com\\\/wp-content\\\/uploads\\\/2022\\\/03\\\/K_P2_05_Refus-de-souscription-dun-contrat-dassurances-sous-quelles-conditions.jpg\",\"contentUrl\":\"https:\\\/\\\/kermobile.com\\\/wp-content\\\/uploads\\\/2022\\\/03\\\/K_P2_05_Refus-de-souscription-dun-contrat-dassurances-sous-quelles-conditions.jpg\",\"width\":849,\"height\":565,\"caption\":\"Handsome young man in formalwear holding adhesive note while standing against grey background\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/kermobile.com\\\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/kermobile.com\\\/en\\\/home\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Refus ou radiation des assurances face aux risques trop \u00e9lev\u00e9s\"}]},{\"@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":"Refus ou radiation des assurances face aux risques trop \u00e9lev\u00e9s - 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\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\/","og_locale":"en_US","og_type":"article","og_title":"Refus ou radiation des assurances face aux risques trop \u00e9lev\u00e9s - KerMobile","og_description":"Si de nombreuses&nbsp;assurances&nbsp;sont obligatoires, les assureurs ne sont absolument dans l\u2019obligation d\u2019accepter tous types de couvertures pour leurs clients.&nbsp; Sous certaines conditions, les&nbsp;assurances sont en droit d\u2019\u00e9mettre un&nbsp;refus ou radiation&nbsp;pour un contrat en cours. Radiation pour causes diverses L\u2019assureur peut r\u00e9silier le contrat \u00e0 son \u00e9ch\u00e9ance sans avoir \u00e0 se justifier, par lettre recommand\u00e9e, \u00e0 [&hellip;]","og_url":"https:\/\/kermobile.com\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\/","og_site_name":"KerMobile","article_published_time":"2016-10-07T12:16:59+00:00","og_image":[{"width":849,"height":565,"url":"https:\/\/kermobile.com\/wp-content\/uploads\/2022\/03\/K_P2_05_Refus-de-souscription-dun-contrat-dassurances-sous-quelles-conditions.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\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\/#article","isPartOf":{"@id":"https:\/\/kermobile.com\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\/"},"author":{"name":"Bruno de Terline","@id":"https:\/\/kermobile.com\/#\/schema\/person\/21e214820521217b41a8b9a3ff818da9"},"headline":"Refus ou radiation des assurances face aux risques trop \u00e9lev\u00e9s","datePublished":"2016-10-07T12:16:59+00:00","mainEntityOfPage":{"@id":"https:\/\/kermobile.com\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\/"},"wordCount":389,"commentCount":0,"image":{"@id":"https:\/\/kermobile.com\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\/#primaryimage"},"thumbnailUrl":"https:\/\/kermobile.com\/wp-content\/uploads\/2022\/03\/K_P2_05_Refus-de-souscription-dun-contrat-dassurances-sous-quelles-conditions.jpg","keywords":["ASSURANCES","FRANCHISES","RADIATION","REFUS","RISQUES","SINISTRE"],"articleSection":["Blog","Fran\u00e7ais"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/kermobile.com\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/kermobile.com\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\/","url":"https:\/\/kermobile.com\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\/","name":"Refus ou radiation des assurances face aux risques trop \u00e9lev\u00e9s - KerMobile","isPartOf":{"@id":"https:\/\/kermobile.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/kermobile.com\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\/#primaryimage"},"image":{"@id":"https:\/\/kermobile.com\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\/#primaryimage"},"thumbnailUrl":"https:\/\/kermobile.com\/wp-content\/uploads\/2022\/03\/K_P2_05_Refus-de-souscription-dun-contrat-dassurances-sous-quelles-conditions.jpg","datePublished":"2016-10-07T12:16:59+00:00","author":{"@id":"https:\/\/kermobile.com\/#\/schema\/person\/21e214820521217b41a8b9a3ff818da9"},"breadcrumb":{"@id":"https:\/\/kermobile.com\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/kermobile.com\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/kermobile.com\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\/#primaryimage","url":"https:\/\/kermobile.com\/wp-content\/uploads\/2022\/03\/K_P2_05_Refus-de-souscription-dun-contrat-dassurances-sous-quelles-conditions.jpg","contentUrl":"https:\/\/kermobile.com\/wp-content\/uploads\/2022\/03\/K_P2_05_Refus-de-souscription-dun-contrat-dassurances-sous-quelles-conditions.jpg","width":849,"height":565,"caption":"Handsome young man in formalwear holding adhesive note while standing against grey background"},{"@type":"BreadcrumbList","@id":"https:\/\/kermobile.com\/refus-ou-radiation-des-assurances-face-aux-risques-trop-eleves\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/kermobile.com\/en\/home\/"},{"@type":"ListItem","position":2,"name":"Refus ou radiation des assurances face aux risques trop \u00e9lev\u00e9s"}]},{"@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\/1228","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=1228"}],"version-history":[{"count":0,"href":"https:\/\/kermobile.com\/en\/wp-json\/wp\/v2\/posts\/1228\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kermobile.com\/en\/wp-json\/wp\/v2\/media\/211"}],"wp:attachment":[{"href":"https:\/\/kermobile.com\/en\/wp-json\/wp\/v2\/media?parent=1228"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kermobile.com\/en\/wp-json\/wp\/v2\/categories?post=1228"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kermobile.com\/en\/wp-json\/wp\/v2\/tags?post=1228"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}