{"id":387,"date":"2016-10-26T09:59:04","date_gmt":"2016-10-26T07:59:04","guid":{"rendered":"https:\/\/kermobile.com\/?p=387"},"modified":"2016-10-26T09:59:04","modified_gmt":"2016-10-26T07:59:04","slug":"comment-arbitrer-sur-un-niveau-de-franchise-acceptable","status":"publish","type":"post","link":"https:\/\/kermobile.com\/en\/comment-arbitrer-sur-un-niveau-de-franchise-acceptable\/","title":{"rendered":"Comment arbitrer sur un niveau de franchise acceptable\u00a0?"},"content":{"rendered":"\n<p>La franchise correspond au montant qui n\u2019est pas revers\u00e9 aux assur\u00e9s en cas de sinistre. Cens\u00e9e \u00e9pargner aux assurances le traitement d\u2019une multitude de dossiers de petites valeurs, elle s\u2019av\u00e8re pourtant parfois assez \u00e9lev\u00e9e. Il est pourtant possible de n\u00e9gocier le montant de sa prime d\u2019assurance en fonction d\u2019un&nbsp;<strong>niveau de franchise acceptable<\/strong>&nbsp;pour tel ou tel risque.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Rapport entre le montant de la franchise et le montant de la prime d\u2019assurance<\/strong><\/h2>\n\n\n\n<p>Le montant des primes peut \u00eatre inversement proportionnel au montant de la franchise. Ainsi une franchise faible induit automatiquement une prime d\u2019assurance \u00e9lev\u00e9e. Mais en revanche un nombre cons\u00e9quent de garanties couvertes par le m\u00eame assureur peut influencer sur le montant des franchises. Celles-ci pouvant \u00eatre aussi n\u00e9goci\u00e9es en fonction du risque \u00e0 couvrir et en fonction de son taux de r\u00e9p\u00e9tition.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Arbitrer sur un niveau de franchise acceptable<\/strong><\/h2>\n\n\n\n<p>Pour arbitrer sur un<strong>&nbsp;niveau de franchise acceptable<\/strong>&nbsp;il convient donc de mettre sur la table trois facteurs de variabilit\u00e9&nbsp;: le risque, la franchise, la prime.<\/p>\n\n\n\n<p>Dans le secteur des professionnels de l\u2019immobilier, la gestion d\u2019un parc est rarement exon\u00e9r\u00e9e de sinistres en tous genres. Aussi \u00eatre capable d\u2019en analyser la r\u00e9currence et la comparer au montant de la franchise et celui de la prime d\u2019assurance permet d\u2019avoir en main suffisamment d\u2019\u00e9l\u00e9ments pour n\u00e9gocier correctement avec son assureur.<\/p>\n\n\n\n<p>Il sera alors possible d\u2019arbitrer le montant de la franchise de d\u00e9g\u00e2ts des eaux sans grandes cons\u00e9quences afin de la relever si la r\u00e9currence du sinistre est faible ou la diminuer pour des d\u00e9g\u00e2ts plus fr\u00e9quents. On comparera alors le montant de la prime selon des paliers de franchise diff\u00e9rents pour calculer o\u00f9 se situe le curseur le plus avantageux.<\/p>\n\n\n\n<p>Faire jouer la concurrence permet en m\u00eame temps de b\u00e9n\u00e9ficier des meilleures offres dans un rapport raisonnable entre un&nbsp;<strong>niveau de franchise acceptable<\/strong>&nbsp;et le montant des primes correspondantes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La franchise correspond au montant qui n\u2019est pas revers\u00e9 aux assur\u00e9s en cas de sinistre. Cens\u00e9e \u00e9pargner aux assurances le traitement d\u2019une multitude de dossiers de petites valeurs, elle s\u2019av\u00e8re pourtant parfois assez \u00e9lev\u00e9e. Il est pourtant possible de n\u00e9gocier le montant de sa prime d\u2019assurance en fonction d\u2019un&nbsp;niveau de franchise acceptable&nbsp;pour tel ou tel [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":216,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14,17],"tags":[13,82,35,49,66],"class_list":["post-387","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-francais","tag-assurances","tag-couverture","tag-franchise","tag-prime","tag-risque"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Comment arbitrer sur un niveau de franchise acceptable\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\/comment-arbitrer-sur-un-niveau-de-franchise-acceptable\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comment arbitrer sur un niveau de franchise acceptable\u00a0? - KerMobile\" \/>\n<meta property=\"og:description\" content=\"La franchise correspond au montant qui n\u2019est pas revers\u00e9 aux assur\u00e9s en cas de sinistre. Cens\u00e9e \u00e9pargner aux assurances le traitement d\u2019une multitude de dossiers de petites valeurs, elle s\u2019av\u00e8re pourtant parfois assez \u00e9lev\u00e9e. 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