{"id":15340,"date":"2026-04-15T15:03:28","date_gmt":"2026-04-15T15:03:28","guid":{"rendered":"https:\/\/youset.ca\/?page_id=15340"},"modified":"2026-04-15T15:03:28","modified_gmt":"2026-04-15T15:03:28","slug":"lettre-de-divulgation","status":"publish","type":"page","link":"https:\/\/youset.ca\/fr\/lettre-de-divulgation\/","title":{"rendered":"Lettre de divulgation"},"content":{"rendered":"\n\t<section id=\"simple-hero-block_8025529562cbffee60e39b60a7b4d68f\" class=\"g-simple-hero pt-32 pb-16 text-center bg-indigo-600\">\n\t\t<div class=\"container\">\n\t\t\t<div>\n\t\t\t\t<div class=\"flex items-center justify-center gap-1 mb-8 body-4 text-grayBluish-100\">\n\t\t\t\t\t<a class=\"text-grayBluish-100\" href=\"https:\/\/youset.ca\/fr\/\">Accueil<\/a>\n\t\t\t\t\t\t\t\t\t\t<span> > <\/span>\n\t\t\t\t\t<span class=\"text-grayBluish-100\">Lettre De Divulgation<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h1 class=\"mb-6 text-white max-w-[54rem] mx-auto\">Lettre de divulgation<\/h1>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"!max-w-[54rem] mx-auto mb-8 prose text-white body-1\"><p>Derni\u00e8re mise \u00e0 jour: 8 janvier 2025<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t<div class=\"flex flex-col items-center justify-center gap-5 md:flex-row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/section>\n\n\n\n\n\n\t<section id=\"info-block_91467496bcc0f1a030f4662efa532cd8\" class=\"g-info py-10 md:py-16 lg:py-20 \">\n\t\t<div class=\"container\">\n\t\t\t\t\t\t\t<h2 class=\"mb-6 \">1. D\u00e9claration des services offerts<\/h2>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose text-text-primary body-2 \"><p>Chez YouSet, nous avons pour mission de cr\u00e9er la plateforme d\u2019assurance la plus efficace et la plus aim\u00e9e au Canada. Pour ce faire, notre technologie et notre \u00e9quipe de courtiers d\u2019assurance travaillent fort pour vous trouver la meilleure couverture \u00e0 un prix comp\u00e9titif. En tant que courtier d\u2019assurance, nous servons d\u2019interm\u00e9diaire entre vous et les compagnies d\u2019assurance avec lesquelles nous travaillons. Nous pla\u00e7ons votre assurance aupr\u00e8s d\u2019un assureur qui offre un prix comp\u00e9titif, est fiable et r\u00e9pond le mieux \u00e0 vos besoins.<\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\t<\/section>\n\n\n\n\n\n\t<section id=\"info-block_fc3d8aea32f95f0d70e17a02cf101494\" class=\"g-info py-8 md:py-10 lg:py-12 \">\n\t\t<div class=\"container\">\n\t\t\t\t\t\t\t<h2 class=\"mb-6 \">2. Commissions en assurance de dommages des particuliers<\/h2>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose text-text-primary body-2 \"><p>En contrepartie de notre travail, nous recevons une commission de la compagnie d\u2019assurance bas\u00e9e sur votre prime d\u2019assurance. Ces commissions varient d\u2019un assureur \u00e0 l\u2019autre et aussi par rapport au type de produit.<\/p>\n<p>Pour votre b\u00e9n\u00e9fice, nous avons r\u00e9pertori\u00e9 ci-dessous les assureurs que nous repr\u00e9sentons et avons inclus la gamme de commissions qu\u2019ils offrent en pourcentage de votre prime annuelle.<\/p>\n<p>Les assureurs marqu\u00e9s d\u2019un ast\u00e9risque (*) peuvent aussi nous verser une commission contingente. Cette commission conditionnelle est bas\u00e9e sur une combinaison de nombreux facteurs tels que la croissance, la rentabilit\u00e9, le volume et la r\u00e9tention. Cette commission contingente n\u2019est pas garantie et ne peut \u00eatre pr\u00e9dite \u00e0 l\u2019avance.<\/p>\n<ul>\n<li>April<\/li>\n<li>Aviva<\/li>\n<li>Chubb<\/li>\n<li>Echelon<\/li>\n<li>Economical*<\/li>\n<li>Estrie\u00a0Richelieu<\/li>\n<li>Intact*<\/li>\n<li>L\u2019Unique*<\/li>\n<li>Nordic<\/li>\n<li>Northbridge<\/li>\n<li>Optimum<\/li>\n<li>Pafco<\/li>\n<li>Premier<\/li>\n<li>Promutuel*<\/li>\n<li>Travelers<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>Fourchette de commissions par secteur d\u2019activit\u00e9:<\/strong><\/p>\n<p>Automobile : 10-12.5%<\/p>\n<p>Biens personnels : 15-20%<\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\t<\/section>\n\n\n\n\n\n\t<section id=\"info-block_27b65801b1fad00fc7ce01c5626490b2\" class=\"g-info py-8 md:py-10 lg:py-12 \">\n\t\t<div class=\"container\">\n\t\t\t\t\t\t\t<h2 class=\"mb-6 \">3. Travailler avec des compagnies d\u2019assurance<\/h2>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose text-text-primary body-2 \"><p>En compl\u00e9ment des informations ci-dessus, nous vous encourageons \u00e0 consulter \u00e9galement les engagements pris par les compagnies d\u2019assurance avec lesquelles nous travaillons en consultant leur site Internet.<\/p>\n<p>Si vous avez des questions additionnelles concernant cette lettre de divulgation, n\u2019h\u00e9sitez pas \u00e0 nous contacter par courriel \u00e0 contact@youset.ca.<\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\t<\/section>\n\n\n\n\n\n\t<section id=\"info-block_751778824317d5e32968fb16a39769ea\" class=\"g-info py-8 md:py-10 lg:py-12 \">\n\t\t<div class=\"container\">\n\t\t\t\t\t\t\t<h2 class=\"mb-6 \">Autres ressources<\/h2>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose text-text-primary body-2 \"><p><a href=\"https:\/\/www.cisro-ocra.com\/Documents\/View\/2477\">Principes de conduite OCRA<\/a><\/p>\n<p><a href=\"https:\/\/www.ribo.com\/licensee-resources\/broker-standards\/forms-and-fact-sheet\/\">Fiche descriptive RIBO<\/a><\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\t<\/section>\n\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":11,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-gutenberg.php","meta":{"_acf_changed":true,"footnotes":""},"class_list":["post-15340","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.8 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Lettre de divulgation | YouSet<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez comment YouSet fonctionne en tant que cabinet de courtage en assurance et comment nous collaborons avec les assureurs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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