{"id":357,"date":"2016-09-26T14:09:10","date_gmt":"2016-09-26T12:09:10","guid":{"rendered":"https:\/\/kermobile.com\/?p=357"},"modified":"2016-09-26T14:09:10","modified_gmt":"2016-09-26T12:09:10","slug":"optimiser-le-cout-de-ses-assurances","status":"publish","type":"post","link":"https:\/\/kermobile.com\/en\/optimiser-le-cout-de-ses-assurances\/","title":{"rendered":"Optimiser le co\u00fbt de ses assurances"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Les assurances repr\u00e9sentent un co\u00fbt&nbsp;cons\u00e9quents pour un parc immobilier. Un contrat d\u2019assurance se n\u00e9gocie mais il faut disposer des bons arguments afin de convaincre son interlocuteur. Pour&nbsp;<strong>optimiser le cout de ses assurances<\/strong>, il est n\u00e9cessaire d\u2019analyser et anticiper les risques, s\u00e9curiser les b\u00e2timents et les installations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019objectif est&nbsp;de maximiser les garanties en r\u00e9duisant les franchises et le montant de la prime annuelle.<\/p>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>Rassurer les assureurs en r\u00e9duisant les risques<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le risque et la r\u00e9p\u00e9tition du risque \u00e0 couvrir, sont ce que redoutent le plus les assureurs,<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour le calcul de leurs primes, les assureurs se r\u00e9f\u00e8rent&nbsp;\u00e0 l\u2019id\u00e9e qu\u2019ils se font de la sinistralit\u00e9 des biens \u00e0 prot\u00e9ger.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ainsi il est possible de r\u00e9duire les risques en prenant les mesures ad\u00e9quates en termes de maintenance des \u00e9quipements, d\u2019entretien des b\u00e2timents et des installations. Prot\u00e9ger et s\u00e9curiser les immeubles permet aussi de d\u00e9montrer que les risques sont connus, ma\u00eetris\u00e9s autant que possible et que tout est mis en \u0153uvre pour les minimiser.<\/p>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>N\u00e9gocier les contrats&nbsp;<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Que ce soit lors de la signature d\u2019un nouveau contrat ou bien \u00e0 l\u2019occasion de son renouvellement annuel, n\u00e9gocier les termes du contrat permet d\u2019<strong>optimiser le co\u00fbt de ses assurances<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selon l\u2019importance de son parc immobilier, le groupe aura int\u00e9r\u00eat \u00e0 r\u00e9partir la totalit\u00e9 de sa couverture aupr\u00e8s de 2 voir 3 compagnies d\u2019assurance, afin de les mettre en concurrence et \u00eatre en mesure de faire peser les n\u00e9gociations en sa faveur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En termes d\u2019assurances, tout se n\u00e9gocie, et les champs de discussions sont assez facilement identifiables. Un Risk Manager sera tout \u00e0 fait capable de prendre en charge une telle d\u00e9marche.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sa mission consistera \u00e0 \u00e9tablir la liste des risques \u00e0 couvrir, avec une \u00e9valuation pour chacun d\u2019eux, et si possible un taux de risque et un taux de r\u00e9p\u00e9titivit\u00e9. En face de chaque risque il conviendra d\u2019\u00e9valuer le niveau et le type de franchise acceptable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le calcul de la prime pourra \u00eatre issu de cette analyse concr\u00e8te.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bien \u00e9videmment une telle n\u00e9gociation devra \u00eatre r\u00e9p\u00e9t\u00e9e r\u00e9guli\u00e8rement&nbsp;et ajust\u00e9e en fonction des sinistres d\u00e9clar\u00e9s, ou pas, au cours de l\u2019ann\u00e9e \u00e9coul\u00e9e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ainsi, fort de cette organisation&nbsp;<strong>optimiser le co\u00fbt de ses assurances<\/strong>&nbsp;est possible quel que soit la taille du parc immobilier \u00e0 couvrir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les assurances repr\u00e9sentent un co\u00fbt&nbsp;cons\u00e9quents pour un parc immobilier. Un contrat d\u2019assurance se n\u00e9gocie mais il faut disposer des bons arguments afin de convaincre son interlocuteur. Pour&nbsp;optimiser le cout de ses assurances, il est n\u00e9cessaire d\u2019analyser et anticiper les risques, s\u00e9curiser les b\u00e2timents et les installations. L\u2019objectif est&nbsp;de maximiser les garanties en r\u00e9duisant les franchises [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":204,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14,17],"tags":[13,47,48,35,49],"class_list":["post-357","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-francais","tag-assurances","tag-contrat","tag-couts","tag-franchise","tag-prime"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Optimiser le co\u00fbt de ses 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\/optimiser-le-cout-de-ses-assurances\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Optimiser le co\u00fbt de ses assurances - KerMobile\" \/>\n<meta property=\"og:description\" content=\"Les assurances repr\u00e9sentent un co\u00fbt&nbsp;cons\u00e9quents pour un parc immobilier. Un contrat d\u2019assurance se n\u00e9gocie mais il faut disposer des bons arguments afin de convaincre son interlocuteur. Pour&nbsp;optimiser le cout de ses assurances, il est n\u00e9cessaire d\u2019analyser et anticiper les risques, s\u00e9curiser les b\u00e2timents et les installations. L\u2019objectif est&nbsp;de maximiser les garanties en r\u00e9duisant les franchises [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/kermobile.com\/optimiser-le-cout-de-ses-assurances\/\" \/>\n<meta property=\"og:site_name\" content=\"KerMobile\" \/>\n<meta property=\"article:published_time\" content=\"2016-09-26T12:09:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/kermobile.com\/wp-content\/uploads\/2022\/03\/K_P1_10_Optimiser-les-couts-dassurance.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"832\" \/>\n\t<meta property=\"og:image:height\" content=\"576\" \/>\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\\\/optimiser-le-cout-de-ses-assurances\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/kermobile.com\\\/optimiser-le-cout-de-ses-assurances\\\/\"},\"author\":{\"name\":\"Bruno de Terline\",\"@id\":\"https:\\\/\\\/kermobile.com\\\/#\\\/schema\\\/person\\\/21e214820521217b41a8b9a3ff818da9\"},\"headline\":\"Optimiser le co\u00fbt de ses assurances\",\"datePublished\":\"2016-09-26T12:09:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/kermobile.com\\\/optimiser-le-cout-de-ses-assurances\\\/\"},\"wordCount\":439,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/kermobile.com\\\/optimiser-le-cout-de-ses-assurances\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/kermobile.com\\\/wp-content\\\/uploads\\\/2022\\\/03\\\/K_P1_10_Optimiser-les-couts-dassurance.jpg\",\"keywords\":[\"ASSURANCES\",\"CONTRAT\",\"CO\u00dbTS\",\"FRANCHISE\",\"PRIME\"],\"articleSection\":[\"Blog\",\"Fran\u00e7ais\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/kermobile.com\\\/optimiser-le-cout-de-ses-assurances\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/kermobile.com\\\/optimiser-le-cout-de-ses-assurances\\\/\",\"url\":\"https:\\\/\\\/kermobile.com\\\/optimiser-le-cout-de-ses-assurances\\\/\",\"name\":\"Optimiser le co\u00fbt de ses assurances - KerMobile\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/kermobile.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/kermobile.com\\\/optimiser-le-cout-de-ses-assurances\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/kermobile.com\\\/optimiser-le-cout-de-ses-assurances\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/kermobile.com\\\/wp-content\\\/uploads\\\/2022\\\/03\\\/K_P1_10_Optimiser-les-couts-dassurance.jpg\",\"datePublished\":\"2016-09-26T12:09:10+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/kermobile.com\\\/#\\\/schema\\\/person\\\/21e214820521217b41a8b9a3ff818da9\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/kermobile.com\\\/optimiser-le-cout-de-ses-assurances\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/kermobile.com\\\/optimiser-le-cout-de-ses-assurances\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/kermobile.com\\\/optimiser-le-cout-de-ses-assurances\\\/#primaryimage\",\"url\":\"https:\\\/\\\/kermobile.com\\\/wp-content\\\/uploads\\\/2022\\\/03\\\/K_P1_10_Optimiser-les-couts-dassurance.jpg\",\"contentUrl\":\"https:\\\/\\\/kermobile.com\\\/wp-content\\\/uploads\\\/2022\\\/03\\\/K_P1_10_Optimiser-les-couts-dassurance.jpg\",\"width\":832,\"height\":576,\"caption\":\"holding house representing home ownership and the Real Estate business\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/kermobile.com\\\/optimiser-le-cout-de-ses-assurances\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/kermobile.com\\\/en\\\/home\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Optimiser le co\u00fbt de ses assurances\"}]},{\"@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":"Optimiser le co\u00fbt de ses assurances - 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\/optimiser-le-cout-de-ses-assurances\/","og_locale":"en_US","og_type":"article","og_title":"Optimiser le co\u00fbt de ses assurances - KerMobile","og_description":"Les assurances repr\u00e9sentent un co\u00fbt&nbsp;cons\u00e9quents pour un parc immobilier. Un contrat d\u2019assurance se n\u00e9gocie mais il faut disposer des bons arguments afin de convaincre son interlocuteur. Pour&nbsp;optimiser le cout de ses assurances, il est n\u00e9cessaire d\u2019analyser et anticiper les risques, s\u00e9curiser les b\u00e2timents et les installations. L\u2019objectif est&nbsp;de maximiser les garanties en r\u00e9duisant les franchises [&hellip;]","og_url":"https:\/\/kermobile.com\/optimiser-le-cout-de-ses-assurances\/","og_site_name":"KerMobile","article_published_time":"2016-09-26T12:09:10+00:00","og_image":[{"width":832,"height":576,"url":"https:\/\/kermobile.com\/wp-content\/uploads\/2022\/03\/K_P1_10_Optimiser-les-couts-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\/optimiser-le-cout-de-ses-assurances\/#article","isPartOf":{"@id":"https:\/\/kermobile.com\/optimiser-le-cout-de-ses-assurances\/"},"author":{"name":"Bruno de Terline","@id":"https:\/\/kermobile.com\/#\/schema\/person\/21e214820521217b41a8b9a3ff818da9"},"headline":"Optimiser le co\u00fbt de ses assurances","datePublished":"2016-09-26T12:09:10+00:00","mainEntityOfPage":{"@id":"https:\/\/kermobile.com\/optimiser-le-cout-de-ses-assurances\/"},"wordCount":439,"commentCount":0,"image":{"@id":"https:\/\/kermobile.com\/optimiser-le-cout-de-ses-assurances\/#primaryimage"},"thumbnailUrl":"https:\/\/kermobile.com\/wp-content\/uploads\/2022\/03\/K_P1_10_Optimiser-les-couts-dassurance.jpg","keywords":["ASSURANCES","CONTRAT","CO\u00dbTS","FRANCHISE","PRIME"],"articleSection":["Blog","Fran\u00e7ais"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/kermobile.com\/optimiser-le-cout-de-ses-assurances\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/kermobile.com\/optimiser-le-cout-de-ses-assurances\/","url":"https:\/\/kermobile.com\/optimiser-le-cout-de-ses-assurances\/","name":"Optimiser le co\u00fbt de ses assurances - KerMobile","isPartOf":{"@id":"https:\/\/kermobile.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/kermobile.com\/optimiser-le-cout-de-ses-assurances\/#primaryimage"},"image":{"@id":"https:\/\/kermobile.com\/optimiser-le-cout-de-ses-assurances\/#primaryimage"},"thumbnailUrl":"https:\/\/kermobile.com\/wp-content\/uploads\/2022\/03\/K_P1_10_Optimiser-les-couts-dassurance.jpg","datePublished":"2016-09-26T12:09:10+00:00","author":{"@id":"https:\/\/kermobile.com\/#\/schema\/person\/21e214820521217b41a8b9a3ff818da9"},"breadcrumb":{"@id":"https:\/\/kermobile.com\/optimiser-le-cout-de-ses-assurances\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/kermobile.com\/optimiser-le-cout-de-ses-assurances\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/kermobile.com\/optimiser-le-cout-de-ses-assurances\/#primaryimage","url":"https:\/\/kermobile.com\/wp-content\/uploads\/2022\/03\/K_P1_10_Optimiser-les-couts-dassurance.jpg","contentUrl":"https:\/\/kermobile.com\/wp-content\/uploads\/2022\/03\/K_P1_10_Optimiser-les-couts-dassurance.jpg","width":832,"height":576,"caption":"holding house representing home ownership and the Real Estate business"},{"@type":"BreadcrumbList","@id":"https:\/\/kermobile.com\/optimiser-le-cout-de-ses-assurances\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/kermobile.com\/en\/home\/"},{"@type":"ListItem","position":2,"name":"Optimiser le co\u00fbt de ses assurances"}]},{"@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\/357","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=357"}],"version-history":[{"count":0,"href":"https:\/\/kermobile.com\/en\/wp-json\/wp\/v2\/posts\/357\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kermobile.com\/en\/wp-json\/wp\/v2\/media\/204"}],"wp:attachment":[{"href":"https:\/\/kermobile.com\/en\/wp-json\/wp\/v2\/media?parent=357"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kermobile.com\/en\/wp-json\/wp\/v2\/categories?post=357"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kermobile.com\/en\/wp-json\/wp\/v2\/tags?post=357"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}