{"id":359,"date":"2016-09-28T14:10:34","date_gmt":"2016-09-28T12:10:34","guid":{"rendered":"https:\/\/kermobile.com\/?p=359"},"modified":"2016-09-28T14:10:34","modified_gmt":"2016-09-28T12:10:34","slug":"le-chiffre-noir-des-assurances","status":"publish","type":"post","link":"https:\/\/kermobile.com\/en\/le-chiffre-noir-des-assurances\/","title":{"rendered":"Le chiffre noir des assurances"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Le&nbsp;<strong>chiffre noir des assurances<\/strong>&nbsp;correspond aux montants que les compagnies d\u2019assurances n\u2019ont pas \u00e0 payer pour cause de non d\u00e9claration de sinistre par leurs clients. Cette particularit\u00e9 \u00e9tant due au niveau des franchises qui lorsqu\u2019elles sont trop \u00e9lev\u00e9es incitent l\u2019assur\u00e9 \u00e0 s\u2019autofinancer pour&nbsp;ses \u201cpetites\u201d r\u00e9parations.<\/p>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>Quelles statistiques et qu\u2019en conclure&nbsp;?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Souvent dans l\u2019incapacit\u00e9, faute d\u2019organisation et d\u2019outils, de tenir \u00e0 jour le taux de r\u00e9currence&nbsp;de leurs sinistres, les gestionnaires de parcs immobilier comme les responsables des assurances, n\u2019ont pas de visibilit\u00e9 sur le nombre de sinistres \u00e0 r\u00e9p\u00e9tition&nbsp;ni sur le montant total des r\u00e9parations correspondantes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ces sommes sont \u00e0 mettre en comparaison avec le montant des primes d\u2019assurances et le niveau des franchises qui s\u2019y attachent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans des groupes immobiliers g\u00e9rant des centaines voire des milliers d\u2019immeubles, le nombre de contrats d\u2019assurances est aussi important que la quantit\u00e9 d\u2019espaces diff\u00e9rents et de risques \u00e0 couvrir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ces contrats \u00e9tant calcul\u00e9s sur le risque \u00e0 couvrir, ils sont aussi r\u00e9dig\u00e9s avec un&nbsp;taux de franchise&nbsp;appliqu\u00e9 \u00e0 chaque type de risque.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il suffit alors de lister les d\u00e9clarations de sinistres et d\u2019en analyser les r\u00e9sultats pour s\u2019apercevoir que certains sinistres n\u2019\u00e9taient pas d\u00e9clar\u00e9s simplement pour cause de franchise trop \u00e9lev\u00e9e.&nbsp;Ces sinistres non d\u00e9clar\u00e9s sont autant de remboursements que les assureurs n\u2019ont pas \u00e0 r\u00e9gler.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u2019est le fameux&nbsp;<strong>chiffre noir des assurances<\/strong>.<\/p>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>Le chiffre noir des assurances&nbsp;ou le bonus des compagnies<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Invent\u00e9 par les assureurs pour limiter et surtout mieux contr\u00f4ler leurs risques, les franchises sont rapidement devenues les vaches \u00e0 lait des compagnies d\u2019assurances. Le chiffre noir des assurances pouvant repr\u00e9senter plusieurs centaines de millions d\u2019Euros par an.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Effectivement ce&nbsp;<strong>chiffre noir des assurances<\/strong>&nbsp;profite surtout aux assureurs gr\u00e2ce aux indemnit\u00e9s \u00e9conomis\u00e9es sur les sinistres non d\u00e9clar\u00e9s et par cons\u00e9quent jamais pay\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Toutefois, d\u2019un autre c\u00f4t\u00e9 lorsque les assur\u00e9s sont capables d\u2019identifier le montant des sinistres non d\u00e9clar\u00e9s, ils ont les moyens de les pr\u00e9venir et de se servir de cette pr\u00e9vention pour n\u00e9gocier le niveau et les conditions de d\u00e9clenchement des franchises tout en r\u00e9visant \u00e0 la baisse le montant des primes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le&nbsp;chiffre noir des assurances&nbsp;correspond aux montants que les compagnies d\u2019assurances n\u2019ont pas \u00e0 payer pour cause de non d\u00e9claration de sinistre par leurs clients. Cette particularit\u00e9 \u00e9tant due au niveau des franchises qui lorsqu\u2019elles sont trop \u00e9lev\u00e9es incitent l\u2019assur\u00e9 \u00e0 s\u2019autofinancer pour&nbsp;ses \u201cpetites\u201d r\u00e9parations. Quelles statistiques et qu\u2019en conclure&nbsp;? Souvent dans l\u2019incapacit\u00e9, faute d\u2019organisation et [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":206,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14,17],"tags":[50,15,51,52,46],"class_list":["post-359","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-francais","tag-chiffre-noir","tag-contrats","tag-economies","tag-primes","tag-tagsassurances"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>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\/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=\"Le chiffre noir des assurances - KerMobile\" \/>\n<meta property=\"og:description\" content=\"Le&nbsp;chiffre noir des assurances&nbsp;correspond aux montants que les compagnies d\u2019assurances n\u2019ont pas \u00e0 payer pour cause de non d\u00e9claration de sinistre par leurs clients. Cette particularit\u00e9 \u00e9tant due au niveau des franchises qui lorsqu\u2019elles sont trop \u00e9lev\u00e9es incitent l\u2019assur\u00e9 \u00e0 s\u2019autofinancer pour&nbsp;ses \u201cpetites\u201d r\u00e9parations. Quelles statistiques et qu\u2019en conclure&nbsp;? 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