{"id":408,"date":"2017-01-25T10:13:06","date_gmt":"2017-01-25T09:13:06","guid":{"rendered":"https:\/\/kermobile.com\/?p=408"},"modified":"2017-01-25T10:13:06","modified_gmt":"2017-01-25T09:13:06","slug":"peut-on-negocier-les-clauses-contractuelles-du-contrat-dassurances","status":"publish","type":"post","link":"https:\/\/kermobile.com\/en\/peut-on-negocier-les-clauses-contractuelles-du-contrat-dassurances\/","title":{"rendered":"Peut-on n\u00e9gocier les clauses contractuelles du contrat d\u2019assurances\u00a0?"},"content":{"rendered":"\n

Les clauses contractuelles<\/strong> r\u00e9gissent les droits et les obligations des assurances et des assur\u00e9s. Souvent nombreuses et pompeuses, on ne prend pas toujours le temps d\u2019\u00e9plucher l<\/strong>es clauses contractuelles <\/strong>du contrat d\u2019assurances ! Et c\u2019est un tort\u2026 Non seulement, elles sont n\u00e9gociables sous certaines conditions et qui vous dit qu\u2019elles sont adapt\u00e9es \u00e0 vos besoins ?<\/p>\n\n\n\n

Assurances : un poste de cout \u00e9lev\u00e9<\/strong><\/h2>\n\n\n\n

Les assurances impactent fortement la gestion et le d\u00e9veloppement d\u2019une entreprise, notamment pour celles qui g\u00e8rent des biens ou un parc immobilier.<\/p>\n\n\n\n

Le cout des primes d\u2019assurances, souvent \u00e9lev\u00e9, \u00e9volue en fonction des clauses contractuelles<\/strong> qui d\u00e9finissent et encadrent le contrat.<\/strong> Pour r\u00e9duire ce poste de co\u00fbt, tout en conservant de solides garanties, on s\u2019appliquera \u00e0 rassurer son assureur : je connais les faiblesses et je ma\u00eetrise les risques !<\/p>\n\n\n\n

Assurances, avec les bons arguments, tout se n\u00e9gocie ! <\/strong><\/h2>\n\n\n\n

Les entreprises ont donc tout int\u00e9r\u00eat \u00e0 n\u00e9gocier ces clauses en fonction de leur \u00e9volution et de leurs efforts en termes de pr\u00e9vention des risques et de ma\u00eetrise des co\u00fbts li\u00e9s aux sinistres.<\/p>\n\n\n\n

Une d\u00e9marche d\u2019analyse et d\u2019audit mettra en \u00e9vidence les failles d\u2019un contrat d\u2019assurances comme des clauses obsol\u00e8tes, inadapt\u00e9es, ou manquantes. Des franchises, en passant par les plafonnements et les montants \u00e9puisables de garanties, tout se n\u00e9gocie !<\/p>\n\n\n\n

Comment n\u00e9gocier les clauses de son contrat d\u2019assurance<\/strong><\/h2>\n\n\n\n

Pour entamer la n\u00e9gociation des clauses du contrat d\u2019assurances, mieux vaut avoir quelques cartes en main. D\u00e9montrer que la sinistralit\u00e9 d\u2019un immeuble est ma\u00eetris\u00e9e gr\u00e2ce \u00e0 une politique de pr\u00e9vention des risques pertinente, est un des arguments les plus convainquant pour amener les assureurs \u00e0 revoir les clauses contractuelles <\/strong>du contrat.<\/p>\n\n\n\n

Chaque ann\u00e9e, une mise \u00e0 jour des contrats d\u2019assurances s\u2019impose pour les adapter aux besoins de l\u2019entreprise en fonction de l\u2019\u00e9volution de son activit\u00e9. La date anniversaire du contrat est le moment bien choisi pour n\u00e9gocier les clauses contractuelles <\/strong>des contrats d\u2019assurances, faire baisser les primes et les franchises ou relever un plafonnement.<\/p>\n","protected":false},"excerpt":{"rendered":"

Les clauses contractuelles r\u00e9gissent les droits et les obligations des assurances et des assur\u00e9s. Souvent nombreuses et pompeuses, on ne prend pas toujours le temps d\u2019\u00e9plucher les clauses contractuelles du contrat d\u2019assurances ! Et c\u2019est un tort\u2026 Non seulement, elles sont n\u00e9gociables sous certaines conditions et qui vous dit qu\u2019elles sont adapt\u00e9es \u00e0 vos besoins ? Assurances : un poste de cout \u00e9lev\u00e9 […]<\/p>\n","protected":false},"author":3,"featured_media":226,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14,17],"tags":[13,47,36],"class_list":["post-408","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-francais","tag-assurances","tag-contrat","tag-negocier"],"yoast_head":"\nPeut-on n\u00e9gocier les clauses contractuelles du contrat d\u2019assurances\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\/en\/peut-on-negocier-les-clauses-contractuelles-du-contrat-dassurances\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Peut-on n\u00e9gocier les clauses contractuelles du contrat d\u2019assurances\u00a0? - KerMobile\" \/>\n<meta property=\"og:description\" content=\"Les clauses contractuelles r\u00e9gissent les droits et les obligations des assurances et des assur\u00e9s. Souvent nombreuses et pompeuses, on ne prend pas toujours le temps d\u2019\u00e9plucher les clauses contractuelles du contrat d\u2019assurances ! Et c\u2019est un tort\u2026 Non seulement, elles sont n\u00e9gociables sous certaines conditions et qui vous dit qu\u2019elles sont adapt\u00e9es \u00e0 vos besoins ? 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