Clic Assure

Résilier ou pas son assurance

Tuesday, September 20, 2022 Dernière modification le Wednesday, September 21, 2022

Lundi soir, vous préparez votre souper et soudain vous recevez un appel de sollicitation pour votre assurance automobile. Quelques minutes de plus et vous obtenez une nouvelle offre, surprise la prime d'assurance proposée est nettement inférieure à ce que vous payez présentement.  Lorsque l'agent vous demande la date exacte de la fin de votre contrat d'assurance, autre surprise, votre contrat se renouvelle seulement dans quatre mois. Trois options s'offrent à vous, résilier votre police en cours de terme avec des frais de résiliation, attendre à votre prochain renouvellement ou prendre la police d'assurance en avance.

Option 1 : Résilier votre contrat en cours de terme

Résilier votre contrat en cours de terme peut être avantageux dans certains cas. Selon l'Autorité des marchés financiers, votre assureur peut annuler votre police selon la table de résiliation à courte échéance. Cette table est représentée par le nombre de jours restant à votre contrat d'assurance avec le pourcentage de la prime que votre assureur doit retenir. Ce pourcentage représente donc les frais de résiliation. Cependant, la plupart des assureurs ajoutent des frais d'administration ce qui rend plus élevés les frais de résiliation. Résilier votre contrat d'assurance automobile peut être à votre avantage lorsque l'économie que vous allez faire est plus élevée que les frais de résiliations.

Option 2 : Attendre au renouvellement

Attendre au renouvellement qui est dans quelques mois peut aussi être à l'avantage de l'assuré comme à son désavantage. Dans le cas où les économies seraient inférieures aux frais de résiliation, attendre au renouvellement est une bonne option.  Cependant, si des promotions étaient en vigueur lors de l'offre, les promotions ne seront peut-être plus en vigueur lors de votre renouvellement et si vous avez des accidents en cours de terme, la prime risque d'augmenter à votre renouvellement

Option 3 : Prendre le contrat d'assurance automobile en avance

Prendre le contrat d'assurance en avance est une option offerte par plusieurs assureurs. Un des avantages, votre prime va être confirmée jusqu'à la date effective du contrat. Donc, si vous avez des accidents en cours de terme ou si une hausse de tarification est présente dans votre secteur, la prime restera la même que celle confirmée. De plus, vous aurez droit aux promotions en cours et si votre contrat d'assurance habitation est chez le même assureur, certains d'entre eux vous donneront toute de suite un rabais sur votre habitation. Si jamais votre assureur actuel vous offre une prime plus basse à votre renouvellement, vous pouvez toujours annuler votre contrat sans frais avant la date d'entrée en vigueur.

Bref, plusieurs options s'offrent à vous lorsque vous recevez l'offre d'un concurrent. Reste seulement à choisir celle qui est plus avantageuse selon votre situation.

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