{"id":17655,"date":"2026-08-13T13:59:05","date_gmt":"2026-08-13T13:59:05","guid":{"rendered":"https:\/\/youset.ca\/?page_id=17655"},"modified":"2026-09-04T13:21:17","modified_gmt":"2026-09-04T13:21:17","slug":"calculateur-des-frais-de-resiliation-dassurance","status":"publish","type":"page","link":"https:\/\/youset.ca\/fr\/calculateur-des-frais-de-resiliation-dassurance\/","title":{"rendered":"Calculateur des frais de r\u00e9siliation d\u2019assurance"},"content":{"rendered":"\n\t<section id=\"simple-hero-block_5e13f7e90f5331c869fc6ec883c5db5f\" class=\"g-simple-hero py-16 text-center bg-grayBluish-900\">\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\">Calculateur Des Frais De Resiliation Dassurance<\/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\">Calculateur des frais de r\u00e9siliation d\u2019assurance<\/h1>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\" mx-auto mb-8 prose text-white body-1\"><p>Estimez les frais de r\u00e9siliation de votre assurance auto ou habitation et comparez-les aux \u00e9conomies que vous pourriez r\u00e9aliser en passant \u00e0 YouSet.<\/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<a class=\"the-button \" href=\"#icfc-root\">Commencez<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"the-button the-button--transparent-white\" href=\"https:\/\/www.app.youset.ca\/start?lng=fr&#038;externalId=organic\">Obtenez une soumission<\/a>\n\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=\"meta-block_5616debda0f667f94d37d775d81e6b9f\" class=\"g-meta py-6 bg-grayBluish-50\">\n\t\t<div class=\"container\">\n\t\t\t<div class=\"flex flex-col flex-wrap xl:flex-row gap-x-6 gap-y-2 text-text-secondary body-3 xl:justify-center\">\n\t\t\t\t<div>Publi\u00e9 le: <span class=\"font-semibold\">ao\u00fbt 13, 2026<\/span><\/div>\n\n\t\t\t\t\t\t\t\t<span class=\"hidden xl:block\">\u2022<\/span>\t<div>Mis \u00e0 jour le: <span class=\"font-semibold\">septembre 4, 2026<\/span><\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"hidden xl:block\">\u2022<\/span>\t<div>R\u00e9dig\u00e9 par: <a href=\"https:\/\/youset.ca\/fr\/author\/emay\/\" class=\"font-semibold hover:text-active text-text-secondary\">Emily May<\/a><\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t<span class=\"hidden xl:block\">\u2022<\/span>\t<div>V\u00e9rifi\u00e9 par: <a href=\"https:\/\/youset.ca\/fr\/author\/youset\/\" class=\"font-semibold hover:text-active text-text-secondary\">Team YouSet<\/a><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/section>\n\n\n\n\n\n\t<section id=\"info-block_8601b1dfcc8390f6ce433bd0be5680e0\" class=\"g-info py-10 md:py-16 lg:py-20 text-center\">\n\t\t<div class=\"container\">\n\t\t\t\t\t\t\t<h2 class=\"mb-6 \">Combien vous co\u00fbterait la r\u00e9siliation de votre assurance\u2009?<\/h2>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose text-text-primary body-2 \"><p>Les frais de r\u00e9siliation peuvent sembler \u00eatre un frein. Mais si votre nouvelle prime avec YouSet vous permet d\u2019\u00e9conomiser suffisamment, vous pourriez r\u00e9cup\u00e9rer ce montant plus rapidement que vous ne le pensez. Utilisez le calculateur ci-dessous pour estimer vos frais de r\u00e9siliation et voir combien vous pourriez \u00e9conomiser en passant \u00e0 YouSet, m\u00eame avant la fin de votre contrat.<\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\t<\/section>\n\n\n\n\n\n<!-- ==========================================================\n  Calculateur de frais de r\u00e9siliation d'assurance (FR)\n  Paste this entire block into a WordPress \"Custom HTML\" block\n  (or your theme's HTML\/raw-code widget). 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 #icfc-root .icfc-date-grid { grid-template-columns: 1fr; gap: 16px; }\n    #icfc-root .icfc-calculate-btn { width: 100%; }\n  }\n<\/style>\n<div id=\"icfc-root\" lang=\"fr\">\n  <div class=\"icfc-wrap\">\n    <div class=\"icfc-card\">\n      <div class=\"icfc-section\">\n        <div class=\"icfc-section-head\">\n          <h3 class=\"icfc-h2\">D\u00e9tails de votre police<\/h3>\n          <button type=\"button\" class=\"icfc-reset\" id=\"icfc-reset\">\n            <svg width=\"13\" height=\"13\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 12a9 9 0 1 0 9-9 9.75 9.75 0 0 0-6.74 2.74L3 8\"><\/path><path d=\"M3 3v5h5\"><\/path><\/svg>\n            Recommencer\n          <\/button>\n        <\/div>\n        <div style=\"margin-bottom:24px;\">\n          <label class=\"icfc-label\">Quel type d&rsquo;assurance souhaitez-vous r\u00e9silier ?<\/label>\n          <div class=\"icfc-type-grid\">\n            <button type=\"button\" class=\"icfc-type-btn\" id=\"icfc-type-home\" data-type=\"home\">\n              <div class=\"icfc-type-icon\"><svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8\"><\/path><path d=\"M3 10a2 2 0 0 1 .709-1.528l7-5.999a2 2 0 0 1 2.582 0l7 5.999A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z\"><\/path><\/svg><\/div>\n              <span class=\"icfc-type-name\">Assurance habitation<\/span>\n              <div class=\"icfc-type-check\"><svg width=\"10\" height=\"8\" viewBox=\"0 0 10 8\" fill=\"none\"><path d=\"M1 4L3.5 6.5L9 1\" stroke=\"white\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/div>\n            <\/button>\n            <button type=\"button\" class=\"icfc-type-btn\" id=\"icfc-type-car\" data-type=\"car\">\n              <div class=\"icfc-type-icon\"><svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M19 17h2c.6 0 1-.4 1-1v-3c0-.9-.7-1.7-1.5-1.9C18.7 10.6 16 10 16 10s-1.3-1.4-2.2-2.3c-.5-.4-1.1-.7-1.8-.7H5c-.6 0-1.1.4-1.4.9L2 10.5V16c0 .6.4 1 1 1h2\"><\/path><circle cx=\"7\" cy=\"17\" r=\"2\"><\/circle><path d=\"M9 17h6\"><\/path><circle cx=\"17\" cy=\"17\" r=\"2\"><\/circle><\/svg><\/div>\n              <span class=\"icfc-type-name\">Assurance auto<\/span>\n              <div class=\"icfc-type-check\"><svg width=\"10\" height=\"8\" viewBox=\"0 0 10 8\" fill=\"none\"><path d=\"M1 4L3.5 6.5L9 1\" stroke=\"white\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/div>\n            <\/button>\n          <\/div>\n        <\/div>\n        <div style=\"margin-bottom:20px;\">\n          <label class=\"icfc-label icfc-field-label\">Prime annuelle<\/label>\n          <div class=\"icfc-input-wrap\">\n            <span class=\"icfc-dollar\">$<\/span>\n            <input type=\"text\" class=\"icfc-input\" id=\"icfc-premium\" placeholder=\"p. ex. 1 800\">\n          <\/div>\n        <\/div>\n        <div class=\"icfc-date-grid\">\n          <div>\n            <label class=\"icfc-label icfc-field-label\">Date d&rsquo;entr\u00e9e en vigueur de la police<\/label>\n            <input type=\"date\" class=\"icfc-input\" id=\"icfc-effective\" lang=\"fr\">\n          <\/div>\n          <div>\n            <label class=\"icfc-label icfc-field-label\">Date de r\u00e9siliation souhait\u00e9e<\/label>\n            <input type=\"date\" class=\"icfc-input\" id=\"icfc-cancel\" lang=\"fr\">\n          <\/div>\n        <\/div>\n        <div style=\"text-align:center;\">\n          <button type=\"button\" class=\"icfc-calculate-btn\" id=\"icfc-calculate\">Calculer<\/button>\n        <\/div>\n      <\/div>\n      <div id=\"icfc-results-wrap\" style=\"display:none;\">\n        <div class=\"icfc-divider\"><\/div>\n        <div class=\"icfc-section\">\n          <h3 class=\"icfc-h2\" style=\"margin-bottom:20px;\">Frais de r\u00e9siliation estim\u00e9s<\/h3>\n          <div id=\"icfc-fee-body\"><\/div>\n        <\/div>\n        <div class=\"icfc-divider\"><\/div>\n        <div class=\"icfc-section\">\n          <h3 class=\"icfc-h2\" style=\"margin-bottom:4px;\">Est-ce avantageux de changer ?<\/h3>\n          <p style=\"font-family:'Poppins',sans-serif; font-size:14px; color:#575568; margin:0 0 20px;\">Entrez la prime annuelle de la nouvelle police que vous envisagez.<\/p>\n          <div style=\"margin-bottom:20px;\">\n            <label class=\"icfc-label icfc-field-label\">Prime annuelle de la nouvelle police<\/label>\n            <div class=\"icfc-input-wrap\" style=\"margin-bottom:0;\">\n              <span class=\"icfc-dollar\">$<\/span>\n              <input type=\"text\" class=\"icfc-input\" id=\"icfc-new-premium\" placeholder=\"p. ex. 1 400\">\n            <\/div>\n          <\/div>\n          <div style=\"text-align:center; margin-bottom:20px;\">\n            <button type=\"button\" class=\"icfc-calculate-btn\" id=\"icfc-calculate-2\">Calculer<\/button>\n          <\/div>\n          <div id=\"icfc-switch-body\"><\/div>\n        <\/div>\n      <\/div>\n      <div class=\"icfc-cta\">\n        <div class=\"icfc-cta-text\">\n          <p class=\"icfc-cta-title\">Pr\u00eat \u00e0 \u00e9conomiser ?<\/p>\n          <p class=\"icfc-cta-sub\">Comparez plus de 20 assureurs et trouvez une police qui pourrait vous faire \u00e9conomiser.<\/p>\n        <\/div>\n        <a href=\"https:\/\/www.app.youset.ca\/start?lng=fr&amp;externalId=organic\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"icfc-cta-btn\">Obtenir une soumission<\/a>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n<script>\n(function () {\n  var state = { type: null, premium: \"\", effective: \"\", cancel: \"\", newPremium: \"\" };\n  var els = {\n    typeHome: document.getElementById(\"icfc-type-home\"),\n    typeCar: document.getElementById(\"icfc-type-car\"),\n    premium: document.getElementById(\"icfc-premium\"),\n    effective: document.getElementById(\"icfc-effective\"),\n    cancel: document.getElementById(\"icfc-cancel\"),\n    newPremium: document.getElementById(\"icfc-new-premium\"),\n    reset: document.getElementById(\"icfc-reset\"),\n    calculate: document.getElementById(\"icfc-calculate\"),\n    calculate2: document.getElementById(\"icfc-calculate-2\"),\n    resultsWrap: document.getElementById(\"icfc-results-wrap\"),\n    feeBody: document.getElementById(\"icfc-fee-body\"),\n    switchBody: document.getElementById(\"icfc-switch-body\")\n  };\n\n  function addYears(date, years) { var d = new Date(date); d.setFullYear(d.getFullYear() + years); return d; }\n\n  \/\/ Date picker bounds:\n  \/\/ - Policy effective date: no later than today, no earlier than 1 year ago.\n  \/\/ - Desired cancellation date: not in the past, no later than 1 year from today.\n  (function setDateBounds() {\n    var today = new Date();\n    today.setHours(0, 0, 0, 0);\n    function toISO(d) { return d.toISOString().slice(0, 10); }\n    els.effective.min = toISO(addYears(today, -1));\n    els.effective.max = toISO(today);\n    els.cancel.min = toISO(today);\n    els.cancel.max = toISO(addYears(today, 1));\n  })();\n\n  function diffDays(a, b) { return Math.round((b.getTime() - a.getTime()) \/ 86400000); }\n  function getFeeRange(monthsRemaining) {\n    if (monthsRemaining <= 0) return [0, 0];\n    if (monthsRemaining < 1) return [0, 2];\n    var table = { 1:[2,4],2:[2,5],3:[2,6],4:[2,7],5:[2,8],6:[2,9],7:[2,10],8:[2,11],9:[2,12],10:[2,13],11:[2,14],12:[2,15] };\n    var clamped = Math.min(monthsRemaining, 12);\n    return table[clamped] || [2, 15];\n  }\n  function formatCurrency(n) {\n    return n.toLocaleString(\"fr-CA\", { style: \"currency\", currency: \"CAD\", maximumFractionDigits: 0 });\n  }\n  function parseNum(v) {\n    var n = parseFloat(String(v).replace(\/[^0-9.]\/g, \"\"));\n    return isNaN(n) ? 0 : n;\n  }\n  function computeResults() {\n    if (!state.premium || !state.effective || !state.cancel) return { status: \"incomplete\" };\n    var premium = parseFloat(String(state.premium).replace(\/[^0-9.]\/g, \"\"));\n    if (isNaN(premium) || premium <= 0) return { status: \"incomplete\" };\n    var effective = new Date(state.effective);\n    var cancel = new Date(state.cancel);\n    if (isNaN(effective.getTime()) || isNaN(cancel.getTime())) return { status: \"incomplete\" };\n    var expiration = addYears(effective, 1);\n    var daysRemaining = diffDays(cancel, expiration);\n    if (daysRemaining < 0) return { status: \"out-of-term\" };\n    var monthsRemaining = daysRemaining === 0 ? 0 : Math.ceil(daysRemaining \/ 31);\n    var range = getFeeRange(monthsRemaining);\n    var pctLow = range[0], pctHigh = range[1];\n    var feeLow = Math.round((pctLow \/ 100) * premium);\n    var feeHigh = Math.round((pctHigh \/ 100) * premium);\n    return { status: \"ok\", daysRemaining: daysRemaining, monthsRemaining: monthsRemaining, pctLow: pctLow, pctHigh: pctHigh, feeLow: feeLow, feeHigh: feeHigh, premium: premium };\n  }\n  function computeSwitch(results) {\n    if (!results || !state.newPremium) return null;\n    var newP = parseFloat(String(state.newPremium).replace(\/[^0-9.]\/g, \"\"));\n    if (isNaN(newP) || newP <= 0) return null;\n    var annualSavings = results.premium - newP;\n    var monthlySavings = annualSavings \/ 12;\n    if (monthlySavings <= 0) return { annualSavings: annualSavings, monthlySavings: monthlySavings, breakEvenLow: null, breakEvenHigh: null, saving: false };\n    var breakEvenLow = results.feeLow \/ monthlySavings;\n    var breakEvenHigh = results.feeHigh \/ monthlySavings;\n    return { annualSavings: annualSavings, monthlySavings: monthlySavings, breakEvenLow: breakEvenLow, breakEvenHigh: breakEvenHigh, saving: true };\n  }\n  function render() {\n    var hasAnyInput = state.type || state.premium || state.effective || state.cancel || state.newPremium;\n    els.reset.classList.toggle(\"show\", !!hasAnyInput);\n    els.typeHome.classList.toggle(\"selected\", state.type === \"home\");\n    els.typeCar.classList.toggle(\"selected\", state.type === \"car\");\n    var results = computeResults();\n    if (results.status === \"incomplete\") {\n      els.resultsWrap.style.display = \"none\";\n      return;\n    }\n    els.resultsWrap.style.display = \"block\";\n    if (results.status === \"out-of-term\") {\n      els.feeBody.innerHTML =\n        '<div class=\"icfc-notice icfc-notice-red\">' +\n          '<div class=\"icfc-notice-icon\"><svg width=\"17\" height=\"17\" viewBox=\"0 0 24 24\" fill=\"none\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><line x1=\"12\" x2=\"12\" y1=\"8\" y2=\"12\"\/><line x1=\"12\" x2=\"12.01\" y1=\"16\" y2=\"16\"\/><\/svg><\/div>' +\n          '<div><p class=\"icfc-notice-title\">V\u00e9rifiez vos dates<\/p><p class=\"icfc-notice-text\">Votre date de r\u00e9siliation souhait\u00e9e est post\u00e9rieure au renouvellement de votre police (12 mois apr\u00e8s votre date d\\'entr\u00e9e en vigueur). Veuillez choisir une date de r\u00e9siliation \u00e0 l\\'int\u00e9rieur de la p\u00e9riode de votre police actuelle.<\/p><\/div>' +\n        '<\/div>';\n      els.switchBody.innerHTML = \"\";\n      return;\n    }\n    \/\/ Fee section\n    if (results.daysRemaining === 0) {\n      els.feeBody.innerHTML =\n        '<div class=\"icfc-nofee\">' +\n          '<div class=\"icfc-nofee-icon\"><svg width=\"14\" height=\"14\" viewBox=\"0 0 14 14\" fill=\"none\"><path d=\"M2 7L5.5 10.5L12 3\" stroke=\"#445E0E\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div>' +\n          '<div><p class=\"icfc-nofee-title\">Aucuns frais de r\u00e9siliation<\/p><p class=\"icfc-nofee-text\">Votre date de r\u00e9siliation correspond \u00e0 votre date de renouvellement \u2014 vous pouvez changer d\\'assureur sans p\u00e9nalit\u00e9.<\/p><\/div>' +\n        '<\/div>';\n    } else {\n      var feeText = results.feeLow === 0\n        ? (formatCurrency(0) + \" \u2013 \" + formatCurrency(results.feeHigh))\n        : (formatCurrency(results.feeLow) + \" \u2013 \" + formatCurrency(results.feeHigh));\n      var monthsLabel = results.monthsRemaining === 0 ? \"<1\" : results.monthsRemaining;\n      els.feeBody.innerHTML =\n        '<div class=\"icfc-result-card\">' +\n          '<div class=\"icfc-result-row\">' +\n            '<div><p class=\"icfc-result-label\">Frais de r\u00e9siliation estim\u00e9s<\/p><p class=\"icfc-result-value\">' + feeText + '<\/p><\/div>' +\n            '<div><p class=\"icfc-result-label\">Fourchette estim\u00e9e des frais de r\u00e9siliation (%)<\/p><p class=\"icfc-result-value\">' + results.pctLow + '% \u2013 ' + results.pctHigh + '%<\/p><\/div>' +\n          '<\/div>' +\n          '<div class=\"icfc-months-row\">' +\n            '<div class=\"icfc-months-head\">' +\n              '<p class=\"icfc-result-label\" style=\"margin:0;\">Nombre de mois restants \u00e0 la police<\/p>' +\n              '<p class=\"icfc-months-value\">' + monthsLabel + '<span class=\"icfc-months-of\"> mois<\/span><\/p>' +\n            '<\/div>' +\n            '<div class=\"icfc-track\"><div class=\"icfc-bar\" id=\"icfc-bar\"><\/div><\/div>' +\n            '<div class=\"icfc-ticks\"><span>D\u00e9but<\/span><span>Renouvellement<\/span><\/div>' +\n          '<\/div>' +\n        '<\/div>' +\n        '<p class=\"icfc-footnote\">Les calculs sont fournis \u00e0 titre indicatif seulement. Les frais r\u00e9els peuvent varier selon l\\'assureur. V\u00e9rifiez toujours le montant aupr\u00e8s de votre assureur.<\/p>';\n      var bar = document.getElementById(\"icfc-bar\");\n      requestAnimationFrame(function () {\n        setTimeout(function () {\n          var elapsed = Math.max(0, 12 - results.monthsRemaining);\n          bar.style.width = ((elapsed \/ 12) * 100) + \"%\";\n        }, 60);\n      });\n    }\n    \/\/ Switch section\n    var switchResults = computeSwitch(results);\n    var premiumRaw = parseNum(state.premium);\n    if (!switchResults) {\n      els.switchBody.innerHTML = \"\";\n      return;\n    }\n    if (!switchResults.saving) {\n      els.switchBody.innerHTML =\n        '<div class=\"icfc-notice icfc-notice-red\">' +\n          '<div class=\"icfc-notice-icon\"><svg width=\"17\" height=\"17\" viewBox=\"0 0 24 24\" fill=\"none\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><line x1=\"12\" x2=\"12\" y1=\"8\" y2=\"12\"\/><line x1=\"12\" x2=\"12.01\" y1=\"16\" y2=\"16\"\/><\/svg><\/div>' +\n          '<div><p class=\"icfc-notice-title\">La nouvelle police n\\'est pas moins ch\u00e8re<\/p><p class=\"icfc-notice-text\">La nouvelle prime de ' + formatCurrency(parseNum(state.newPremium)) + ' est plus \u00e9lev\u00e9e que votre prime actuelle de ' + formatCurrency(premiumRaw) + '. Vous paieriez donc plus cher en changeant de police.<\/p><\/div>' +\n        '<\/div>';\n    } else {\n      var isBad = switchResults.breakEvenHigh != null ? switchResults.breakEvenHigh > 12 : false;\n      var noticeClass = isBad ? 'icfc-notice-red' : 'icfc-notice-yellow';\n      var noticeIcon = isBad\n        ? '<svg width=\"17\" height=\"17\" viewBox=\"0 0 24 24\" fill=\"none\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><line x1=\"12\" x2=\"12\" y1=\"8\" y2=\"12\"\/><line x1=\"12\" x2=\"12.01\" y1=\"16\" y2=\"16\"\/><\/svg>'\n        : '<svg width=\"17\" height=\"17\" viewBox=\"0 0 24 24\" fill=\"none\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M15 14c.2-1 .7-1.7 1.5-2.5 1-.9 1.5-2.2 1.5-3.5A6 6 0 0 0 6 8c0 1 .2 2.2 1.5 3.5.7.7 1.3 1.5 1.5 2.5\"\/><path d=\"M9 18h6\"\/><path d=\"M10 22h4\"\/><\/svg>';\n      var noticeTitle = isBad ? 'Cela pourrait prendre du temps' : 'Le changement en vaut la peine';\n      var noticeText = isBad\n        ? 'Il pourrait falloir plus d\\'un an pour rentabiliser ce changement. Envisagez d\\'attendre le renouvellement ou demandez \u00e0 votre assureur d\\'\u00e9galer le nouveau tarif.'\n        : 'Il vous faudrait environ <strong>' + Math.ceil(switchResults.breakEvenHigh) + '<\/strong> mois pour r\u00e9cup\u00e9rer les frais de r\u00e9siliation en passant \u00e0 la nouvelle police.';\n      els.switchBody.innerHTML =\n        '<div class=\"icfc-savings\">' +\n          '<div class=\"icfc-result-card\">' +\n            '<div class=\"icfc-result-row\">' +\n              '<div><div class=\"icfc-mini-icon\"><svg width=\"17\" height=\"17\" viewBox=\"0 0 24 24\" fill=\"none\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"12\" x2=\"12\" y1=\"2\" y2=\"22\"\/><path d=\"M17 5H9.5a3.5 3.5 0 0 0 0 7h5a3.5 3.5 0 0 1 0 7H6\"\/><\/svg><\/div><p class=\"icfc-result-label\">\u00c9conomies annuelles<\/p><p class=\"icfc-result-value\">' + formatCurrency(switchResults.annualSavings) + '<\/p><\/div>' +\n              '<div><div class=\"icfc-mini-icon\"><svg width=\"17\" height=\"17\" viewBox=\"0 0 24 24\" fill=\"none\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M8 2v4\"\/><path d=\"M16 2v4\"\/><rect width=\"18\" height=\"18\" x=\"3\" y=\"4\" rx=\"2\"\/><path d=\"M3 10h18\"\/><path d=\"M8 14h.01\"\/><path d=\"M12 14h.01\"\/><path d=\"M16 14h.01\"\/><path d=\"M8 18h.01\"\/><path d=\"M12 18h.01\"\/><path d=\"M16 18h.01\"\/><\/svg><\/div><p class=\"icfc-result-label\">\u00c9conomies mensuelles<\/p><p class=\"icfc-result-value\">' + formatCurrency(switchResults.monthlySavings) + '<\/p><\/div>' +\n            '<\/div>' +\n          '<\/div>' +\n          '<div class=\"icfc-notice ' + noticeClass + '\">' +\n            '<div class=\"icfc-notice-icon\">' + noticeIcon + '<\/div>' +\n            '<div><p class=\"icfc-notice-title\">' + noticeTitle + '<\/p><p class=\"icfc-notice-text\">' + noticeText + '<\/p><\/div>' +\n          '<\/div>' +\n        '<\/div>';\n    }\n  }\n  els.typeHome.addEventListener(\"click\", function () { state.type = state.type === \"home\" ? null : \"home\"; render(); });\n  els.typeCar.addEventListener(\"click\", function () { state.type = state.type === \"car\" ? null : \"car\"; render(); });\n  els.premium.addEventListener(\"input\", function (e) { state.premium = e.target.value; render(); });\n  els.effective.addEventListener(\"input\", function (e) {\n    state.effective = e.target.value;\n    \/\/ Keep the cancellation picker's max in sync with this policy's real renewal date\n    \/\/ (effective + 1 year), capped at the global 1-year-from-today ceiling.\n    var globalMax = new Date();\n    globalMax.setHours(0, 0, 0, 0);\n    globalMax = addYears(globalMax, 1);\n    if (state.effective) {\n      var eff = new Date(state.effective);\n      if (!isNaN(eff.getTime())) {\n        var renewal = addYears(eff, 1);\n        var cap = renewal < globalMax ? renewal : globalMax;\n        els.cancel.max = cap.toISOString().slice(0, 10);\n      }\n    } else {\n      els.cancel.max = globalMax.toISOString().slice(0, 10);\n    }\n    render();\n  });\n  els.cancel.addEventListener(\"input\", function (e) { state.cancel = e.target.value; render(); });\n  els.newPremium.addEventListener(\"input\", function (e) { state.newPremium = e.target.value; render(); });\n  els.calculate.addEventListener(\"click\", function () {\n    render();\n    if (els.resultsWrap.style.display !== \"none\") {\n      els.resultsWrap.scrollIntoView({ behavior: \"smooth\", block: \"start\" });\n    }\n  });\n  els.calculate2.addEventListener(\"click\", function () {\n    render();\n    els.switchBody.scrollIntoView({ behavior: \"smooth\", block: \"start\" });\n  });\n  els.reset.addEventListener(\"click\", function () {\n    state = { type: null, premium: \"\", effective: \"\", cancel: \"\", newPremium: \"\" };\n    els.premium.value = \"\"; els.effective.value = \"\"; els.cancel.value = \"\"; els.newPremium.value = \"\";\n    render();\n  });\n  render();\n})();\n<\/script>\n\n\n\n\t<section id=\"info-block_93701de8f9cef8a7d2e37ebaf6cf3949\" 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 \">Combien co\u00fbtent les frais de r\u00e9siliation d\u2019assurance au Canada\u2009?<\/h2>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose text-text-primary body-2 \"><p><span style=\"font-weight: 400;\">Si vous r\u00e9siliez votre assurance auto ou habitation avant la fin du contrat, des frais de r\u00e9siliation pourraient s\u2019appliquer. Ils sont g\u00e9n\u00e9ralement calcul\u00e9s en pourcentage de votre prime et peuvent varier d\u2019environ 2\u00a0% \u00e0 15\u00a0%. En r\u00e8gle g\u00e9n\u00e9rale, plus vous r\u00e9siliez t\u00f4t dans le contrat, plus les frais risquent d\u2019\u00eatre \u00e9lev\u00e9s. \u00c0 l\u2019inverse, une r\u00e9siliation peu avant le renouvellement entra\u00eene souvent des frais minimes, voire aucun.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Par exemple, si votre prime annuelle est de 1\u2009000\u00a0$ et qu\u2019il reste six mois \u00e0 votre contrat, des frais de 2\u00a0% \u00e0 9\u00a0% pourraient s\u2019appliquer, soit environ 20\u00a0$ \u00e0 90\u00a0$.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Comme les frais varient d\u2019un assureur \u00e0 l\u2019autre, le tableau ci-dessous donne seulement une id\u00e9e g\u00e9n\u00e9rale de ce que pourrait vous co\u00fbter la r\u00e9siliation de votre assurance auto ou habitation au Canada. Pour conna\u00eetre le montant exact, consultez vos documents d\u2019assurance ou communiquez directement avec votre assureur.<\/span><\/p>\n<p><!-- wp:table --><\/p>\n<figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\" style=\"width: 100%; height: 167px;\">\n<tbody>\n<tr style=\"height: 48px;\">\n<td style=\"width: 23.2104%; height: 48px;\"><strong>Temps restant avant le renouvellement<\/strong><\/td>\n<td style=\"width: 23.6443%; height: 48px;\"><strong>Frais de r\u00e9siliation (%)<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 23.2104%; height: 24px;\">Moins de 1 mois<\/td>\n<td style=\"width: 23.6443%; height: 24px;\">0 &#8211; 2 %<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 23.2104%; height: 24px;\">1 \u00e0 3 mois<\/td>\n<td style=\"width: 23.6443%; height: 24px;\">2 &#8211; 6 %<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 23.2104%; height: 24px;\">4 \u00e0 6 mois<\/td>\n<td style=\"width: 23.6443%; height: 24px;\">2 &#8211; 9 %<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 23.2104%; height: 24px;\">7 \u00e0 9 mois<\/td>\n<td style=\"width: 23.6443%; height: 24px;\">2 &#8211; 12 %<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 23.2104%; height: 23px;\">10 \u00e0 12 mois<\/td>\n<td style=\"width: 23.6443%; height: 23px;\">2 &#8211; 15 %<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<\/div>\n\t\t\t\t\t<\/div>\n\t<\/section>\n\n\n\n\n\n\t<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"HowTo\",\"name\":\"Comment changer d\u2019assurance et commencer \u00e0 \u00e9conomiser avec YouSet\",\"step\":[{\"@type\":\"HowToStep\",\"position\":1,\"name\":\"Envoyez votre avis de r\u00e9siliation\",\"text\":\"Notre mod\u00e8le de lettre de r\u00e9siliation vous permet d\u2019aviser facilement votre assureur par \u00e9crit. Ajoutez vos renseignements et votre date de r\u00e9siliation, puis envoyez-la \u00e0 votre assureur actuel.\"},{\"@type\":\"HowToStep\",\"position\":2,\"name\":\"Obtenez une soumission avec YouSet\",\"text\":\"Comparez plus de 20 assureurs au m\u00eame endroit en demandant une soumission d\u2019assurance auto ou habitation en ligne. Trouvez ainsi plus rapidement une option qui vous convient \u00e0 meilleur prix.\"},{\"@type\":\"HowToStep\",\"position\":3,\"name\":\"Souscrivez en ligne\",\"text\":\"Vous avez trouv\u00e9 une meilleure offre? Souscrivez directement en ligne, en toute s\u00e9curit\u00e9. Nos courtiers sont aussi disponibles pour r\u00e9pondre \u00e0 vos questions et vous accompagner dans la transition.\"}],\"image\":\"https:\/\/youset.ca\/wp-content\/uploads\/2026\/08\/Comment-changer-dassurance-et-commencer-a-economiser-avec-YouSet.webp\"}<\/script>\t<section id=\"steps-2-block_9216d905d9f2d663339504407be39856\" class=\"g-steps-2 py-12 md:py-16 lg:py-24 \">\n\t\t<div class=\"container\">\n\t\t\t<div class=\"flex flex-col lg:grid-cols-4 lg:grid md:gap-x-20 gap-y-5 md:gap-y-0\">\n\t\t\t\t<div class=\"lg:col-span-2\">\n\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"mb-4 lg:mb-12\">Comment changer d\u2019assurance et commencer \u00e0 \u00e9conomiser avec YouSet<\/h2>\n\t\t\t\t\t\t\t\t\t\t<div class=\"relative mb-5 md:mb-12 lg:mb-0 after:absolute after:bottom-0 after:right-0 after:h-[80%] md:after:h-[322px] after:bg-greenBright-200 after:rounded-r-[4rem] after:w-screen\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"relative z-10\" src=\"https:\/\/youset.ca\/wp-content\/uploads\/2026\/08\/Comment-changer-dassurance-et-commencer-a-economiser-avec-YouSet.webp\" alt=\"Comment changer d\u2019assurance et commencer \u00e0 \u00e9conomiser avec YouSet\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"lg:col-span-2\">\n\t\t\t\t\t\t\t\t\t\t\t<ul class=\"flex flex-col pl-0 gap-11\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"flex gap-x-6\">\n\t\t\t\t\t\t\t\t\t<div class=\"flex items-center justify-center h-12 !text-white rounded-full h3 min-w-12 bg-indigo-500\">\n\t\t\t\t\t\t\t\t\t\t1\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"pt-1\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"flex items-center flex-wrap gap-3 mb-2.5\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"mb-0 h3\">Envoyez votre avis de r\u00e9siliation<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"prose text-text-secondary body-2\">\n\t\t\t\t\t\t\t\t\t\t\t\t<p>Notre <a class=\"decorated-link\" href=\"https:\/\/youset.ca\/fr\/blog\/modele-lettre-annulation-assurance\/\" target=\"_new\" rel=\"noopener\" data-start=\"139\" data-end=\"239\">mod\u00e8le de lettre de r\u00e9siliation<\/a> vous permet d\u2019aviser facilement votre assureur par \u00e9crit. Ajoutez vos renseignements et votre date de r\u00e9siliation, puis envoyez-la \u00e0 votre assureur actuel.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"flex gap-x-6\">\n\t\t\t\t\t\t\t\t\t<div class=\"flex items-center justify-center h-12 !text-white rounded-full h3 min-w-12 bg-indigo-500\">\n\t\t\t\t\t\t\t\t\t\t2\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"pt-1\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"flex items-center flex-wrap gap-3 mb-2.5\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"mb-0 h3\">Obtenez une soumission avec YouSet<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"prose text-text-secondary body-2\">\n\t\t\t\t\t\t\t\t\t\t\t\t<p>Comparez plus de 20 assureurs au m\u00eame endroit en demandant une soumission d\u2019assurance auto ou habitation en ligne. Trouvez ainsi plus rapidement une option qui vous convient \u00e0 meilleur prix.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"flex gap-x-6\">\n\t\t\t\t\t\t\t\t\t<div class=\"flex items-center justify-center h-12 !text-white rounded-full h3 min-w-12 bg-indigo-500\">\n\t\t\t\t\t\t\t\t\t\t3\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"pt-1\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"flex items-center flex-wrap gap-3 mb-2.5\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"mb-0 h3\">Souscrivez en ligne<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"prose text-text-secondary body-2\">\n\t\t\t\t\t\t\t\t\t\t\t\t<p>Vous avez trouv\u00e9 une meilleure offre? Souscrivez directement en ligne, en toute s\u00e9curit\u00e9. Nos courtiers sont aussi disponibles pour r\u00e9pondre \u00e0 vos questions et vous accompagner dans la transition.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\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\t\n\t<\/section>\n\n\n\n\n\n\t<section id=\"overflow-cta-block_3c78cf284c3c5cd92ae29fa966615e55\" class=\"overflow-cta bg-surface-background-banner text-white relative\">\n\t\t<div class=\"container\">\n\t\t\t<div class=\"grid items-center gap-6 lg:grid-cols-12\">\n\t\t\t\t<div class=\"lg:col-span-6 pt-12 lg:py-20\">\n\t\t\t\t\t<div class=\"max-w-[29.6875rem]\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"inline-flex items-center gap-2 mb-6 body-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"object-contain w-5 h-5\" src=\"https:\/\/youset.ca\/wp-content\/uploads\/2026\/06\/verified.svg\" alt=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAutoris\u00e9 partout o\u00f9 nous exer\u00e7ons nos activit\u00e9s\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"mb-6 !text-white\">Un meilleur prix pourrait \u00eatre \u00e0 quelques clics<\/h2>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"mb-6 prose text-white body-2 xl:mb-10\">\n\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Comparez plus de 20\u00a0assureurs avec YouSet, trouvez un meilleur prix et commencez \u00e0 \u00e9conomiser sur votre assurance auto ou habitation.<\/span><\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"flex flex-col items-start gap-4 xl:flex-row xl:items-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<a class=\"the-button the-button--white\" href=\"https:\/\/www.app.youset.ca\/start?lng=fr&#038;externalId=organic\">Obtenir une soumission<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"relative flex items-center justify-center h-full lg:col-span-6\">\n\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\" lg:absolute lg:h-[95%] xl:h-[137%] lg:max-w-none -mb-[9.5rem] lg:-mb-[10.7rem] lg:-mr-[6rem] xl:mr-0 xl:-mb-[7.7rem]\" src=\"https:\/\/youset.ca\/wp-content\/uploads\/2026\/06\/YouSet-FR-quote-and-compare-phone-mockup.webp\" alt=\"YouSet FR quote and compare phone mockup\">\n\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<div style=\"height:96px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n\t<section id=\"info-block_2cd4004871d9709299450d0f014f3298\" 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 \">Est-ce avantageux de payer des frais de r\u00e9siliation pour changer d\u2019assureur\u2009?<\/h2>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose text-text-primary body-2 \"><p><span style=\"font-weight: 400;\">Payer des frais de r\u00e9siliation ne veut pas forc\u00e9ment dire que vous devez attendre au renouvellement pour changer d\u2019assureur. Si vous trouvez une soumission beaucoup moins ch\u00e8re pour une couverture comparable, vos \u00e9conomies mensuelles pourraient compenser ces frais bien avant la date de renouvellement de votre contrat actuel.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pour savoir si le changement en vaut la peine, comparez simplement vos frais de r\u00e9siliation aux \u00e9conomies mensuelles que vous procurerait votre nouvelle police. Le seuil de rentabilit\u00e9 correspond au temps n\u00e9cessaire pour r\u00e9cup\u00e9rer enti\u00e8rement les frais gr\u00e2ce \u00e0 ces \u00e9conomies.<\/span><\/p>\n<p><strong>Temps n\u00e9cessaire pour r\u00e9cup\u00e9rer les frais = frais de r\u00e9siliation \u00f7 \u00e9conomies mensuelles<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Une fois ce seuil atteint, vos frais de r\u00e9siliation sont enti\u00e8rement compens\u00e9s. \u00c0 partir de l\u00e0, chaque mois pass\u00e9 avec votre nouvelle police vous fait \u00e9conomiser davantage que si vous aviez attendu au renouvellement.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Par exemple, si votre police actuelle co\u00fbte 2\u2009000\u00a0$ par ann\u00e9e et qu\u2019une nouvelle police avec YouSet co\u00fbte 29\u00a0% moins cher, vous \u00e9conomiseriez environ 580\u00a0$ par ann\u00e9e, soit 48\u00a0$ par mois. S\u2019il reste 12\u00a0mois avant votre renouvellement et que vos frais de r\u00e9siliation s\u2019\u00e9l\u00e8vent \u00e0 300\u00a0$, il vous faudrait environ 6\u00a0mois pour les r\u00e9cup\u00e9rer. Vous profiteriez ensuite d\u2019environ 6\u00a0mois d\u2019\u00e9conomies suppl\u00e9mentaires avant la date de renouvellement pr\u00e9vue de votre ancienne police.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Le tableau ci-dessous illustre le cas d\u2019une police annuelle de 2\u2009000\u00a0$ remplac\u00e9e par une police YouSet de 1\u2009420\u00a0$, soit une \u00e9conomie de 29\u00a0%. Il montre les frais de r\u00e9siliation et le temps n\u00e9cessaire pour les r\u00e9cup\u00e9rer selon le moment o\u00f9 vous changez d\u2019assureur.<\/span><\/p>\n<p><!-- wp:table --><\/p>\n<figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\" style=\"width: 100%; height: 168px;\">\n<tbody>\n<tr style=\"height: 48px;\">\n<td style=\"width: 14.0564%; height: 48px;\"><strong>Temps \u00e9coul\u00e9 depuis le d\u00e9but du contrat<\/strong><\/td>\n<td style=\"width: 9.39498%; height: 48px;\"><strong>Frais de r\u00e9siliation (%)<\/strong><\/td>\n<td style=\"width: 23.4463%; height: 48px;\"><strong>Temps n\u00e9cessaire pour r\u00e9cup\u00e9rer les frais<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 14.0564%; height: 24px;\">Moins de 1 mois<\/td>\n<td style=\"width: 9.39498%; height: 24px;\">0 &#8211; 2 %<\/td>\n<td style=\"width: 23.4463%; height: 24px;\">0 \u00e0 0,8 mois<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 14.0564%; height: 24px;\">3 mois<\/td>\n<td style=\"width: 9.39498%; height: 24px;\">2 &#8211; 6 %<\/td>\n<td style=\"width: 23.4463%; height: 24px;\">0,8 \u00e0 2,5 mois<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 14.0564%; height: 24px;\">6 mois<\/td>\n<td style=\"width: 9.39498%; height: 24px;\">2 &#8211; 9 %<\/td>\n<td style=\"width: 23.4463%; height: 24px;\">0,8 \u00e0 3,7 mois<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 14.0564%; height: 24px;\">9 mois<\/td>\n<td style=\"width: 9.39498%; height: 24px;\">2 &#8211; 12 %<\/td>\n<td style=\"width: 23.4463%; height: 24px;\">0,8 \u00e0 5,0 mois<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 14.0564%; height: 24px;\">12 mois<\/td>\n<td style=\"width: 9.39498%; height: 24px;\">2 &#8211; 15 %<\/td>\n<td style=\"width: 23.4463%; height: 24px;\">0,8 \u00e0 6,2 mois<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p>Cela dit, le prix ne fait pas tout. Avant de changer d\u2019assureur en cours de contrat, assurez-vous que la nouvelle police offre une couverture comparable. Pensez aussi au service \u00e0 la client\u00e8le, \u00e0 l\u2019exp\u00e9rience en cas de r\u00e9clamation, aux options de paiement et \u00e0 la qualit\u00e9 globale du service. Une prime moins \u00e9lev\u00e9e n\u2019est pas n\u00e9cessairement une meilleure affaire si la couverture ou le service ne r\u00e9pond pas \u00e0 vos besoins.<\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\t<\/section>\n\n\n\n\n\n\t<section class=\"additional-links py-12 md:py-16 lg:py-24\" style=\"background:#FAFAFC\">\n\t\t<div class=\"container\">\n\t\t\t\t\t\t\t<h2 class=\"mb-4 text-center md:mb-6\">Des ressources pour faciliter votre passage \u00e0 YouSet<\/h2>\n\t\t\t\t\t\t\t\t\t\t<div class=\"mb-12 prose text-center body-1 text-grayBluish-700\"><p>R\u00e9silier votre assurance auto ou habitation aupr\u00e8s de votre assureur actuel peut \u00eatre plus simple et plus rapide que vous ne le pensez.<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"grid gap-6 md:grid-cols-2 lg:grid-cols-3 xl:gap-12\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col h-full overflow-hidden rounded-3xl\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"aspect-[7\/3] md:aspect-[363\/226] object-cover w-full\" src=\"https:\/\/youset.ca\/wp-content\/uploads\/2026\/07\/FR-Insurance-cancellation-letter-tempalte-YouSet-guide.webp\" alt=\"Mod\u00e8le de lettre de r\u00e9siliation\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col justify-between flex-1 p-6 bg-white border-b xl:p-9 rounded-b-3xl border-x border-grayBluish-200\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Mod\u00e8le de lettre de r\u00e9siliation<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"text-indigo-500 body-2 gap-2.5 inline-flex\" href=\"https:\/\/youset.ca\/fr\/blog\/modele-lettre-annulation-assurance\/\">\n\t\t\t\t\t\t\t\t\t\t\tObtenir le mod\u00e8le\t\t\t\t\t\t\t\t\t\t\t<svg width=\"30\" height=\"30\" viewBox=\"0 0 30 30\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t\t\t\t\t<path d=\"M18.9243 15L12.1313 21.793L11.0747 20.7363L16.4478 15.3535L16.8003 15L16.4478 14.6465L11.0747 9.2627L12.1313 8.20703L18.9243 15Z\" fill=\"black\" stroke=\"#5D5AFF\"\/>\n\t\t\t\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col h-full overflow-hidden rounded-3xl\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"aspect-[7\/3] md:aspect-[363\/226] object-cover w-full\" src=\"https:\/\/youset.ca\/wp-content\/uploads\/2026\/04\/How-To-Change-From-One-Insurance-Company-to-Another-YouSet.webp\" alt=\"How To Change From One Insurance Company to Another - YouSet\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col justify-between flex-1 p-6 bg-white border-b xl:p-9 rounded-b-3xl border-x border-grayBluish-200\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Comment changer d\u2019assureur<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"text-indigo-500 body-2 gap-2.5 inline-flex\" href=\"https:\/\/youset.ca\/fr\/blog\/comment-changer-de-compagnie-dassurance\/\">\n\t\t\t\t\t\t\t\t\t\t\tEn savoir plus\t\t\t\t\t\t\t\t\t\t\t<svg width=\"30\" height=\"30\" viewBox=\"0 0 30 30\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t\t\t\t\t<path d=\"M18.9243 15L12.1313 21.793L11.0747 20.7363L16.4478 15.3535L16.8003 15L16.4478 14.6465L11.0747 9.2627L12.1313 8.20703L18.9243 15Z\" fill=\"black\" stroke=\"#5D5AFF\"\/>\n\t\t\t\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col items-center justify-center h-full p-6 overflow-hidden bg-indigo-600 md:col-span-2 lg:col-span-1 rounded-3xl xl:p-9\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"text-center text-white\">Comparez les soumissions de plus de 15 assureurs et achetez en ligne<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"the-button the-button--white\" href=\"https:\/\/www.app.youset.ca\/start?lng=fr&#038;externalId=organic\">\n\t\t\t\t\t\t\t\t\t\tComparer maintenant\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/section>\n\n\n\n\n\n\t\t<section id=\"faq-block_d95d4bd2a634ba87090176960882dca5\" class=\"g-faq py-8 md:py-12 lg:py-20 \">\n\t\t<div class=\"container\">\n\t\t\t<div class=\"text-center max-w-[795px] mx-auto\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"mb-6\">FAQ sur la r\u00e9siliation d\u2019une assurance auto ou habitation<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"mb-10 prose md:mb-14 body-2 text-text-primary\"><p>Vous avez des questions sur la r\u00e9siliation de votre assurance actuelle et votre passage \u00e0 YouSet\u2009? Voici ce qu\u2019il faut savoir.<\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\n\t\t\t\n\t\t\t\t<div id=\"accordion-collapse\" data-accordion=\"collapse\" class=\"max-w-[792px] mx-auto\">\n\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"rounded-[8px] border border-[#E5E5E5] p-6 md:p-8 mb-6\">\n\t\t\t\t\t\t\t<div id=\"accordion-collapse-heading-0\">\n\t\t\t\t\t\t\t\t<button type=\"button\" class=\"flex gap-2 items-center !bg-white justify-between w-full !outline-none\" data-accordion-target=\"#accordion-collapse-body-0\" aria-expanded=\"true\" aria-controls=\"accordion-collapse-body-0\">\n\t\t\t\t\t\t\t\t\t<div class=\"font-medium text-left body-2 text-text-primary\">Puis-je r\u00e9silier mon assurance auto ou habitation avant le renouvellement\u2009?<\/div>\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"relative w-[24px] h-[24px] mt-1 faq-icon\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"absolute h-[3px] left-[3px] right-[3px] top-1\/2 -translate-y-1\/2 bg-black\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"vertical-line absolute w-[3px] top-[3px] bottom-[3px] left-1\/2 -translate-x-1\/2 bg-black\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"accordion-collapse-body-0\" class=\"hidden pt-4 max-w-[632px] prose\" aria-labelledby=\"accordion-collapse-heading-0\">\n\t\t\t\t\t\t\t\t<div class=\"body-3 normalize !text-text-secondary\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Oui. Au Canada, vous pouvez r\u00e9silier votre assurance auto ou habitation avant sa date de renouvellement. Votre assureur pourrait toutefois vous facturer des frais de r\u00e9siliation, g\u00e9n\u00e9ralement de 2\u00a0% \u00e0 15\u00a0% de votre prime annuelle. Avant de r\u00e9silier, comparez ces frais aux \u00e9conomies que vous pourriez r\u00e9aliser avec votre nouvelle police. Vous pourrez ainsi voir si changer maintenant est r\u00e9ellement avantageux.<\/span><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"rounded-[8px] border border-[#E5E5E5] p-6 md:p-8 mb-6\">\n\t\t\t\t\t\t\t<div id=\"accordion-collapse-heading-1\">\n\t\t\t\t\t\t\t\t<button type=\"button\" class=\"flex gap-2 items-center !bg-white justify-between w-full !outline-none\" data-accordion-target=\"#accordion-collapse-body-1\" aria-expanded=\"true\" aria-controls=\"accordion-collapse-body-1\">\n\t\t\t\t\t\t\t\t\t<div class=\"font-medium text-left body-2 text-text-primary\">Combien co\u00fbte la r\u00e9siliation d\u2019une assurance auto ou habitation\u2009?<\/div>\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"relative w-[24px] h-[24px] mt-1 faq-icon\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"absolute h-[3px] left-[3px] right-[3px] top-1\/2 -translate-y-1\/2 bg-black\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"vertical-line absolute w-[3px] top-[3px] bottom-[3px] left-1\/2 -translate-x-1\/2 bg-black\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"accordion-collapse-body-1\" class=\"hidden pt-4 max-w-[632px] prose\" aria-labelledby=\"accordion-collapse-heading-1\">\n\t\t\t\t\t\t\t\t<div class=\"body-3 normalize !text-text-secondary\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Si vous r\u00e9siliez votre assurance avant la fin du contrat, des frais de r\u00e9siliation s\u2019appliquent g\u00e9n\u00e9ralement. Ils varient d\u2019un assureur \u00e0 l\u2019autre, mais se situent souvent entre 2\u00a0% et 15\u00a0% de la prime. En r\u00e8gle g\u00e9n\u00e9rale, plus vous r\u00e9siliez t\u00f4t, plus les frais risquent d\u2019\u00eatre \u00e9lev\u00e9s. \u00c0 l\u2019approche de la date de renouvellement, les frais sont g\u00e9n\u00e9ralement faibles, voire inexistants.<\/span><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"rounded-[8px] border border-[#E5E5E5] p-6 md:p-8 mb-6\">\n\t\t\t\t\t\t\t<div id=\"accordion-collapse-heading-2\">\n\t\t\t\t\t\t\t\t<button type=\"button\" class=\"flex gap-2 items-center !bg-white justify-between w-full !outline-none\" data-accordion-target=\"#accordion-collapse-body-2\" aria-expanded=\"true\" aria-controls=\"accordion-collapse-body-2\">\n\t\t\t\t\t\t\t\t\t<div class=\"font-medium text-left body-2 text-text-primary\">Puis-je r\u00e9silier mon assurance apr\u00e8s avoir pay\u00e9 l\u2019ann\u00e9e au complet\u2009?<\/div>\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"relative w-[24px] h-[24px] mt-1 faq-icon\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"absolute h-[3px] left-[3px] right-[3px] top-1\/2 -translate-y-1\/2 bg-black\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"vertical-line absolute w-[3px] top-[3px] bottom-[3px] left-1\/2 -translate-x-1\/2 bg-black\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"accordion-collapse-body-2\" class=\"hidden pt-4 max-w-[632px] prose\" aria-labelledby=\"accordion-collapse-heading-2\">\n\t\t\t\t\t\t\t\t<div class=\"body-3 normalize !text-text-secondary\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Oui. Le fait d\u2019avoir pay\u00e9 votre prime annuelle en entier ne vous emp\u00eache pas de r\u00e9silier votre assurance avant la fin du contrat. Vous recevrez g\u00e9n\u00e9ralement un remboursement pour la portion inutilis\u00e9e de votre prime, moins les frais de r\u00e9siliation applicables. Le montant exact d\u00e9pend des modalit\u00e9s de votre assureur.<\/span><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"rounded-[8px] border border-[#E5E5E5] p-6 md:p-8 mb-6\">\n\t\t\t\t\t\t\t<div id=\"accordion-collapse-heading-3\">\n\t\t\t\t\t\t\t\t<button type=\"button\" class=\"flex gap-2 items-center !bg-white justify-between w-full !outline-none\" data-accordion-target=\"#accordion-collapse-body-3\" aria-expanded=\"true\" aria-controls=\"accordion-collapse-body-3\">\n\t\t\t\t\t\t\t\t\t<div class=\"font-medium text-left body-2 text-text-primary\">Puis-je r\u00e9silier mon assurance apr\u00e8s avoir effectu\u00e9 un paiement mensuel\u2009?<\/div>\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"relative w-[24px] h-[24px] mt-1 faq-icon\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"absolute h-[3px] left-[3px] right-[3px] top-1\/2 -translate-y-1\/2 bg-black\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"vertical-line absolute w-[3px] top-[3px] bottom-[3px] left-1\/2 -translate-x-1\/2 bg-black\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"accordion-collapse-body-3\" class=\"hidden pt-4 max-w-[632px] prose\" aria-labelledby=\"accordion-collapse-heading-3\">\n\t\t\t\t\t\t\t\t<div class=\"body-3 normalize !text-text-secondary\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Oui. Si vous r\u00e9siliez apr\u00e8s avoir effectu\u00e9 un paiement mensuel, vous pourriez recevoir un remboursement pour les jours non utilis\u00e9s de cette p\u00e9riode de facturation, moins les frais de r\u00e9siliation applicables. Comme une r\u00e9siliation ne peut g\u00e9n\u00e9ralement pas \u00eatre r\u00e9troactive, mieux vaut entamer les d\u00e9marches d\u00e8s que vous avez d\u00e9cid\u00e9 de changer d\u2019assureur.<\/span><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t\t<div class=\"rounded-[8px] border border-[#E5E5E5] p-6 md:p-8 mb-6\">\n\t\t\t\t\t\t\t<div id=\"accordion-collapse-heading-4\">\n\t\t\t\t\t\t\t\t<button type=\"button\" class=\"flex gap-2 items-center !bg-white justify-between w-full !outline-none\" data-accordion-target=\"#accordion-collapse-body-4\" aria-expanded=\"true\" aria-controls=\"accordion-collapse-body-4\">\n\t\t\t\t\t\t\t\t\t<div class=\"font-medium text-left body-2 text-text-primary\">Est-ce avantageux de changer d\u2019assurance avant le renouvellement\u2009?<\/div>\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"relative w-[24px] h-[24px] mt-1 faq-icon\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"absolute h-[3px] left-[3px] right-[3px] top-1\/2 -translate-y-1\/2 bg-black\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"vertical-line absolute w-[3px] top-[3px] bottom-[3px] left-1\/2 -translate-x-1\/2 bg-black\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"accordion-collapse-body-4\" class=\"hidden pt-4 max-w-[632px] prose\" aria-labelledby=\"accordion-collapse-heading-4\">\n\t\t\t\t\t\t\t\t<div class=\"body-3 normalize !text-text-secondary\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Pour savoir si \u00e7a vaut la peine de changer d\u2019assureur en cours de contrat, commencez par comparer les chiffres. Les frais de r\u00e9siliation et les \u00e9conomies potentielles comptent, mais ce ne sont pas les seuls \u00e9l\u00e9ments \u00e0 consid\u00e9rer. Pensez aussi au service \u00e0 la client\u00e8le, \u00e0 l\u2019exp\u00e9rience en cas de r\u00e9clamation, aux options de couverture et \u00e0 l\u2019exp\u00e9rience globale offerte par le nouvel assureur.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pour faire le calcul, divisez vos frais de r\u00e9siliation par vos \u00e9conomies mensuelles. Vous obtiendrez ainsi le nombre de mois n\u00e9cessaires pour r\u00e9cup\u00e9rer ces frais. Si vous atteignez ce seuil avant la date de renouvellement pr\u00e9vue de votre ancienne police, changer maintenant pourrait \u00eatre avantageux. Ensuite, assurez-vous simplement que la nouvelle police r\u00e9pond aussi \u00e0 vos besoins en mati\u00e8re de couverture et de service.<\/span><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t<\/section>\n\n\n\n\n\t<section class=\"g-legal py-6 lg:py-9 bg-grayBluish-50\">\n\t\t<div class=\"container\">\n\t\t\t<div id=\"accordion-legal\" data-accordion=\"collapse\">\n\t\t\t\t\t\t\t\t\t<div id=\"accordion-legal-heading-1\" class=\"body-1 text-grayBluish-900 !bg-transparent flex items-center gap-3.5\" data-accordion-target=\"#accordion-legal-body-1\" aria-expanded=\"false\" aria-controls=\"accordion-legal-body-1\">\n\t\t\t\t\t\tM\u00e9thodologie\t\t\t\t\t\t<svg data-accordion-icon class=\"rotate-180\" aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"8\" viewBox=\"0 0 12 8\" fill=\"none\">\n\t\t\t\t\t\t\t<path d=\"M1.41 7.41003L6 2.83003L10.59 7.41003L12 6.00003L6 3.43323e-05L0 6.00003L1.41 7.41003Z\" fill=\"#111232\"\/>\n\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div id=\"accordion-legal-body-1\" class=\"hidden prose body-4 text-grayBluish-700 py-7\" aria-labelledby=\"accordion-legal-heading-1\"><p><span style=\"font-weight: 400;\">Le calculateur de frais de r\u00e9siliation de YouSet estime le montant que vous pourriez avoir \u00e0 payer si vous r\u00e9siliez votre assurance auto ou habitation avant sa date de renouvellement. Il ne s\u2019applique pas lorsque c\u2019est votre assureur qui met fin \u00e0 votre contrat. Le calculateur d\u00e9termine le nombre de jours qu\u2019il reste avant le renouvellement, puis applique une fourchette de frais en fonction du temps restant.<\/span><\/p>\n<p data-start=\"617\" data-end=\"885\">\n<p><span style=\"font-weight: 400;\">Le nombre de jours restants est calcul\u00e9 en soustrayant la date de r\u00e9siliation souhait\u00e9e de la date de renouvellement de votre police. Le r\u00e9sultat est ensuite arrondi au mois complet sup\u00e9rieur, en comptant 31\u00a0jours par mois. Les fourchettes suivantes sont ensuite appliqu\u00e9es\u00a0:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">0\u00a0jour\u00a0: 0\u00a0$<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Moins de 1\u00a0mois\u00a0: 0\u00a0% \u00e0 2\u00a0%<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">1 mois\u00a0: 2\u00a0% \u00e0 4\u00a0%<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">2 mois\u00a0: 2\u00a0% \u00e0 5\u00a0%<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">3 mois\u00a0: 2\u00a0% \u00e0 6\u00a0%<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">4 mois\u00a0: 2\u00a0% \u00e0 7\u00a0%<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">5 mois\u00a0: 2\u00a0% \u00e0 8\u00a0%<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">6 mois\u00a0: 2\u00a0% \u00e0 9\u00a0%<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">7 mois\u00a0: 2\u00a0% \u00e0 10\u00a0%<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">8 mois\u00a0: 2\u00a0% \u00e0 11\u00a0%<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">9 mois\u00a0: 2\u00a0% \u00e0 12\u00a0%<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">10 mois\u00a0: 2\u00a0% \u00e0 13\u00a0%<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">11 mois\u00a0: 2\u00a0% \u00e0 14\u00a0%<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">12 mois\u00a0: 2\u00a0% \u00e0 15\u00a0%<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Nous utilisons des fourchettes plut\u00f4t que des frais fixes, puisque chaque assureur peut appliquer son propre bar\u00e8me, sous r\u00e9serve des r\u00e8gles en vigueur dans chaque province.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ce calculateur fournit une estimation seulement. Il ne s\u2019agit pas d\u2019une soumission et il ne peut pas d\u00e9terminer le montant exact que votre assureur vous facturera. Il suppose un contrat standard de 12\u00a0mois \u00e0 partir de la date d\u2019entr\u00e9e en vigueur indiqu\u00e9e. Il ne tient pas compte des frais administratifs ou de courtage suppl\u00e9mentaire que certains assureurs peuvent facturer. Il ne tient pas non plus compte des situations o\u00f9 les frais pourraient \u00eatre r\u00e9duits ou annul\u00e9s, par exemple si vous vendez le v\u00e9hicule ou la propri\u00e9t\u00e9 assur\u00e9e, d\u00e9m\u00e9nagez dans une autre province ou subissez une perte totale.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Comme les r\u00e8gles provinciales et les pratiques des assureurs peuvent varier et \u00e9voluer, les fourchettes ci-dessus refl\u00e8tent des pratiques g\u00e9n\u00e9rales du secteur et non le bar\u00e8me pr\u00e9cis d\u2019un assureur. Votre assureur actuel pourra confirmer les frais exacts au moment de la r\u00e9siliation.<\/span><\/p>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/section>\n\n\n","protected":false},"excerpt":{"rendered":"<p>D\u00e9tails de votre police Recommencer Quel type d&rsquo;assurance souhaitez-vous r\u00e9silier ? Assurance habitation Assurance auto Prime annuelle $ Date d&rsquo;entr\u00e9e en vigueur de la police Date de r\u00e9siliation souhait\u00e9e Calculer Frais de r\u00e9siliation estim\u00e9s Est-ce avantageux de changer ? Entrez la prime annuelle de la nouvelle police que vous envisagez&#8230;.<\/p>\n","protected":false},"author":11,"featured_media":17662,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-gutenberg.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-17655","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.4 (Yoast SEO v28.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Calculateur des frais de r\u00e9siliation d\u2019assurance | YouSet<\/title>\n<meta name=\"description\" content=\"Estimez vos frais de r\u00e9siliation d\u2019assurance auto ou habitation, calculez votre seuil de rentabilit\u00e9 et voyez si changer pour YouSet pourrait vous faire \u00e9conomiser.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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