{"id":339,"date":"2018-03-05T13:48:09","date_gmt":"2018-03-05T12:48:09","guid":{"rendered":"https:\/\/kermobile.com\/?p=339"},"modified":"2018-03-05T13:48:09","modified_gmt":"2018-03-05T12:48:09","slug":"interview-paroles-dexperts-de-la-tribune-fr-le-chiffre-noir-des-assurances","status":"publish","type":"post","link":"https:\/\/kermobile.com\/en\/interview-paroles-dexperts-de-la-tribune-fr-le-chiffre-noir-des-assurances\/","title":{"rendered":"Interview Paroles d\u2019Experts de La Tribune.fr \u2013 Le chiffre noir des assurances"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Dans l\u2019\u00e9mission&nbsp;<a href=\"https:\/\/www.latribune.fr\/entreprises-finance\/tpe-pme\/paroles-d-experts-avec-medias-france\/paroles-d-experts-kermobile-la-gestion-des-sinistres-immobiliers-770626.html\">Paroles d\u2019Experts<\/a>, Bruno de Terline, Directeur G\u00e9n\u00e9ral de Kermobile Solutions, r\u00e9pond aux questions de La Tribune.fr \u00e0 propos du chiffre noir des assurances\u2026<\/strong><strong>Lorsque la franchise d\u2019assurance est trop \u00e9lev\u00e9e, les entreprises ont souvent tendance \u00e0 autofinancer leurs petites r\u00e9parations. Ces sinistres non d\u00e9clar\u00e9s, dont le montant peut devenir rapidement exorbitant, correspondent \u00e0 ce qu\u2019on appelle le \u00ab chiffre noir de l\u2019assurance \u00bb. Le num\u00e9rique offre des solutions pour pr\u00e9dire ces risques et mieux les appr\u00e9hender.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le chiffre noir d\u00e9signe l\u2019ensemble des co\u00fbts des sinistres ou des d\u00e9sordres non d\u00e9clar\u00e9s \u00e0 l\u2019assureur. Il s\u2019agit g\u00e9n\u00e9ralement de montants qui, pris isol\u00e9ment, semblent peu importants. Cependant, additionn\u00e9s, ils forment facilement des sommes colossales, pouvant atteindre des millions d\u2019euros. \u00c0 titre d\u2019exemple, le montant du chiffre noir pour un seul \u00e9tablissement bancaire a \u00e9t\u00e9 estim\u00e9 \u00e0 50 millions d\u2019euros. Les soci\u00e9t\u00e9s exploitant de larges parcs immobiliers sont les plus concern\u00e9es par ce probl\u00e8me. Leurs dirigeants n\u2019ont g\u00e9n\u00e9ralement pas de vision claire sur l\u2019ensemble de la sinistralit\u00e9 de leur patrimoine. En effet, nombreux sont ceux qui ignorent le montant exact des sinistres non d\u00e9clar\u00e9s \u00e0 l\u2019assureur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Certaines entreprises telles que KerMobile Solutions exploitent le num\u00e9rique pour aider les entreprises \u00e0 appr\u00e9hender le chiffre noir. KerMobile Solutions est une soci\u00e9t\u00e9 d\u2019\u00e9dition de logiciels mettant \u00e0 la disposition des professionnels disposant d\u2019un large parc immobilier des applications leur permettant de g\u00e9rer leur sinistralit\u00e9. Parmi les premi\u00e8res \u00e0 \u00eatre lanc\u00e9es par le label, la solution appel\u00e9e KerClaim permet aux clients de d\u00e9clarer un sinistre en temps r\u00e9el. Cette application leur fournit \u00e9galement des informations essentielles pour leur permettre d\u2019optimiser la gestion de leur patrimoine. Cette maintenance pr\u00e9ventive a pour but d\u2019\u00e9viter d\u2019\u00e9ventuels sinistres et de r\u00e9duire les co\u00fbts d\u2019entretien de mani\u00e8re consid\u00e9rable. En effet, lorsqu\u2019une information leur parvient, les acteurs immobiliers peuvent r\u00e9agir \u00e0 temps et faire jusqu\u2019\u00e0 10% d\u2019\u00e9conomie. En somme, avoir une vue d\u2019ensemble sur la sinistralit\u00e9 change en tous points la conception de l\u2019assurance et du risque au niveau d\u2019une entreprise.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dans l\u2019\u00e9mission&nbsp;Paroles d\u2019Experts, Bruno de Terline, Directeur G\u00e9n\u00e9ral de Kermobile Solutions, r\u00e9pond aux questions de La Tribune.fr \u00e0 propos du chiffre noir des assurances\u2026Lorsque la franchise d\u2019assurance est trop \u00e9lev\u00e9e, les entreprises ont souvent tendance \u00e0 autofinancer leurs petites r\u00e9parations. Ces sinistres non d\u00e9clar\u00e9s, dont le montant peut devenir rapidement exorbitant, correspondent \u00e0 ce qu\u2019on [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":184,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14,17],"tags":[50],"class_list":["post-339","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-francais","tag-chiffre-noir"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Interview Paroles d\u2019Experts de La Tribune.fr \u2013 Le chiffre noir des assurances - 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\/interview-paroles-dexperts-de-la-tribune-fr-le-chiffre-noir-des-assurances\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Interview Paroles d\u2019Experts de La Tribune.fr \u2013 Le chiffre noir des assurances - KerMobile\" \/>\n<meta property=\"og:description\" content=\"Dans l\u2019\u00e9mission&nbsp;Paroles d\u2019Experts, Bruno de Terline, Directeur G\u00e9n\u00e9ral de Kermobile Solutions, r\u00e9pond aux questions de La Tribune.fr \u00e0 propos du chiffre noir des assurances\u2026Lorsque la franchise d\u2019assurance est trop \u00e9lev\u00e9e, les entreprises ont souvent tendance \u00e0 autofinancer leurs petites r\u00e9parations. 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