{"id":10808,"date":"2025-07-22T05:01:00","date_gmt":"2025-07-22T05:01:00","guid":{"rendered":"https:\/\/youset.ca\/?p=10808"},"modified":"2026-03-17T18:24:02","modified_gmt":"2026-03-17T18:24:02","slug":"avenants-d-assurance-au-canada","status":"publish","type":"post","link":"https:\/\/youset.ca\/fr\/blog\/avenants-d-assurance-au-canada\/","title":{"rendered":"Les avenants d\u2019assurance que vous ne saviez pas que vous pouviez (ou deviez) avoir"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">L\u2019assurance est cens\u00e9e vous offrir une protection. Mais parfois, la couverture de base ne suffit pas. C\u2019est \u00e0 ce moment-l\u00e0 que les avenants prennent tout leur sens. Ces ajouts \u00e0 votre police permettent de renforcer votre protection et de l\u2019ajuster \u00e0 votre mode de vie. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Que vous souhaitiez <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/assurance-des-biens-specifiques-au-canada\/\"><span style=\"font-weight: 400;\">couvrir des biens de valeur<\/span><\/a> <span style=\"font-weight: 400;\"> \u00e0 la maison ou \u00e9largir votre protection en cas d\u2019urgence, les avenants vous offrent une tranquillit\u00e9 d\u2019esprit suppl\u00e9mentaire.&nbsp;<\/span> <span style=\"font-weight: 400;\">Dans ce guide, vous d\u00e9couvrirez ce qu\u2019est un avenant, \u00e0 quoi il peut servir, et vous verrez quelques exemples courants \u00e0 consid\u00e9rer pour votre assurance <\/span><a href=\"https:\/\/youset.ca\/fr\/assurance-habitation\/\"><span style=\"font-weight: 400;\">habitation<\/span><\/a> <span style=\"font-weight: 400;\">ou <\/span><a href=\"https:\/\/youset.ca\/fr\/assurance-auto\/\"><span style=\"font-weight: 400;\">automobile<\/span><\/a><span style=\"font-weight: 400;\">.&nbsp;&nbsp;<\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_992ee695a2817dc731c3c484b64bfb20\" class=\"post-block py-8\">\n\t\t\t\t<div class=\"px-6 py-8 border-l-8 border-indigo-500 rounded-l-lg md:py-11 md:px-12 bg-grayBluish-50\">\n\t\t\t\t\t\t\t<p class=\"mb-6 text-grayBluish-900 h3\">Les points cl\u00e9s<\/p>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose body-2 text-grayBluish-900\"><span style=\"font-weight: 400\">Un avenant (aussi appel\u00e9 \u00ab\u2009clause additionnelle\u2009\u00bb) est une modification officielle apport\u00e9e \u00e0 votre police d\u2019assurance qui change, ajoute ou retire une protection du contrat initial. Parmi les exemples courants, on retrouve la valeur \u00e0 neuf et la privation de jouissance en assurance auto, ainsi que le refoulement d\u2019\u00e9gout, l\u2019inondation par ruissellement (eaux de surface) et les d\u00e9g\u00e2ts d\u2019eau au-dessus du sol en assurance habitation.\u00a0<\/span><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-qu-est-ce-qu-un-avenant-en-assurance\">Qu\u2019est-ce qu\u2019un avenant en assurance\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Un avenant (aussi appel\u00e9 <\/span><a href=\"https:\/\/www.fsrao.ca\/fr\/pour-les-consommateurs\/assurance-automobile\/souscription-de-votre-police\/couverture-facultative\"><span style=\"font-weight: 400;\">FMPO<\/span><\/a> <span style=\"font-weight: 400;\"> en Ontario, ou <\/span><a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurance\/assurance-auto\"><span style=\"font-weight: 400;\">FAQ<\/span><\/a> <span style=\"font-weight: 400;\"> au Qu\u00e9bec) est une modification officielle apport\u00e9e \u00e0 votre police d\u2019assurance. Il sert \u00e0 mettre \u00e0 jour votre couverture actuelle en ajoutant, retirant ou modifiant certains \u00e9l\u00e9ments. Cela remplace donc certaines conditions pr\u00e9vues dans le contrat initial.&nbsp;<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">En d\u2019autres mots, c\u2019est un ajout qui permet de personnaliser votre assurance pour qu\u2019elle refl\u00e8te mieux votre r\u00e9alit\u00e9 et vos besoins.&nbsp;<\/span> <span style=\"font-weight: 400;\">Par exemple, un avenant peut&nbsp;:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Ajouter une protection suppl\u00e9mentaire (comme assurer une <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/assurance-habitation-et-bague-de-fiancailles\/\"><span style=\"font-weight: 400;\">bague de fian\u00e7ailles de grande valeur<\/span><\/a><span style=\"font-weight: 400;\">)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Retirer une couverture dont vous n\u2019avez pas besoin<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Modifier un d\u00e9tail de votre police (comme <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/liste-de-verification-du-changement-dadresse\/\"><span style=\"font-weight: 400;\">mettre \u00e0 jour votre adresse<\/span><\/a><span style=\"font-weight: 400;\">)&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-les-types-d-avenants-d-assurance-les-plus-courants\">Les types d\u2019avenants d\u2019assurance les plus courants<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Les avenants d\u2019assurance existent sous plusieurs formes. M\u00eame si leur nom peut varier d\u2019une province \u00e0 l\u2019autre, ils offrent g\u00e9n\u00e9ralement des protections similaires. Voici les avenants les plus fr\u00e9quents en assurance <\/span><a href=\"https:\/\/youset.ca\/fr\/guide-assurance-auto\/\"><span style=\"font-weight: 400;\">auto<\/span><\/a> <span style=\"font-weight: 400;\"> et <\/span><a href=\"https:\/\/youset.ca\/fr\/guide-assurance-habitation\/\"><span style=\"font-weight: 400;\">habitation<\/span><\/a><span style=\"font-weight: 400;\">, regroup\u00e9s selon ce qu\u2019ils couvrent.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-avenants-courants-en-assurance-automobile\">Avenants courants en assurance automobile<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Assurance valeur \u00e0 neuf&nbsp;<\/strong> <span style=\"font-weight: 400;\"><strong>:<\/strong> <a href=\"https:\/\/youset.ca\/fr\/blog\/quest-ce-que-lassurance-valeur-a-neuf\/\">Remplace votre v\u00e9hicule par un mod\u00e8le neuf<\/a> de la m\u00eame marque et du m\u00eame type, ou vous rembourse sa valeur d\u2019origine.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\"><strong>Avenant pour perte de jouissance&nbsp;:<\/strong> Couvre les <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/lassurance-couvre-t-elle-les-voitures-de-location\/\"><span style=\"font-weight: 400;\">voitures de location<\/span><\/a><span style=\"font-weight: 400;\">, ou autres frais de transport pendant que votre voiture est en r\u00e9paration \u00e0 la suite d\u2019une <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/reclamations-dassurance-auto\/\"><span style=\"font-weight: 400;\">r\u00e9clamation<\/span><\/a><span style=\"font-weight: 400;\">.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Avenant de pardon d\u2019accident&nbsp;:<\/strong> <span style=\"font-weight: 400;\">Prot\u00e8ge votre dossier de conduite et emp\u00eache votre prime d\u2019augmenter apr\u00e8s un premier accident dont vous \u00eates <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/what-to-do-after-a-minor-car-accident-ontario\/\"><span style=\"font-weight: 400;\">responsable<\/span><\/a><span style=\"font-weight: 400;\">.&nbsp;<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Avenant de protection de la famille&nbsp;:<\/strong> <span style=\"font-weight: 400;\">Vous couvre, vous et votre famille, si vous \u00eates bless\u00e9 dans un accident caus\u00e9 par un conducteur peu ou pas assur\u00e9 (aussi connu sous le nom <\/span><a href=\"https:\/\/www.fsrao.ca\/fr\/fmpo-44r-protection-de-la-famille\"><span style=\"font-weight: 400;\">FMPO&nbsp;44R<\/span><\/a> <span style=\"font-weight: 400;\">ou <\/span><a href=\"https:\/\/lautorite.qc.ca\/fileadmin\/lautorite\/formulaires\/professionnels\/assureurs\/automobile\/faq-4-44_fr.pdf\"><span style=\"font-weight: 400;\">FAQ&nbsp;44<\/span><\/a><span style=\"font-weight: 400;\">).&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Avenant pour dommages \u00e0 une voiture de location&nbsp;: <\/strong> <span style=\"font-weight: 400;\">\u00c9tend votre&nbsp;<\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/lassurance-couvre-t-elle-les-voitures-de-location\/\"><span style=\"font-weight: 400;\">couverture aux v\u00e9hicules de location<\/span><\/a> <span style=\"font-weight: 400;\"> utilis\u00e9s au Canada et aux \u00c9tats-Unis.&nbsp;<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Avenant pour services routiers d\u2019urgence&nbsp;: <\/strong> <span style=\"font-weight: 400;\">Couvre les frais de remorquage ou d\u2019assistance en cas de panne ou d\u2019accident. <\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Avenant de protection contre les condamnations&nbsp;:<\/strong> Emp\u00eache une hausse de prime apr\u00e8s une premi\u00e8re infraction mineure, comme un exc\u00e8s de vitesse. &nbsp;<\/p>\n\n\n\n\t<section id=\"post-cta-block_3070469dcf5878742395d4f960fc97a8\" class=\"post-block pt-8 pb-8 lg:pb-20\">\n\t\t\t\t<div class=\"lg:flex justify-between items-center gap-x-6 rounded-lg bg-indigo-600 px-8 py-7 shadow-[0_2px_10px_0_theme(colors.surface.background.disabled)]\">\n\t\t\t\t\t\t\t<h3 class=\"text-white lg:mb-0\">Comparez assureurs et achetez en 4 minutes.<\/h3>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.app.youset.ca\/start?lng=fr&#038;externalId=blog\" class=\"the-button the-button--white !text-text-primary\">Obtenez une soumission<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-avenants-courants-en-assurance-habitation\">Avenants courants en assurance habitation<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Avenant pour refoulement d\u2019\u00e9gouts&nbsp;: <\/strong> <span style=\"font-weight: 400;\">Couvre les dommages caus\u00e9s par un <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/qu-est-ce-que-lassurance-contre-le-refoulement-degouts\/\"><span style=\"font-weight: 400;\">refoulement d\u2019eau<\/span><\/a> <span style=\"font-weight: 400;\"> provenant des drains, des \u00e9gouts, des fosses septiques ou des pompes de puisard. Cela inclut les frais de nettoyage et de r\u00e9paration.&nbsp;<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Avenant contre les dommages d\u2019eau de surface&nbsp;:<\/strong> <span style=\"font-weight: 400;\"> Prot\u00e8ge contre les dommages caus\u00e9s par le <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/protection-contre-les-dommages-deau-de-surface\/\"><span style=\"font-weight: 400;\">d\u00e9bordement d\u2019eau douce<\/span><\/a> <span style=\"font-weight: 400;\"> sur votre propri\u00e9t\u00e9, par exemple \u00e0 la suite de fortes pluies ou d\u2019un d\u00e9bordement de rivi\u00e8re ou de lac.&nbsp;<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Avenant contre les d\u00e9g\u00e2ts d\u2019eau au-dessus du sol&nbsp;:<\/strong> <span style=\"font-weight: 400;\"> Couvre les dommages caus\u00e9s par une fuite ou un d\u00e9versement soudain d\u2019eau provenant d\u2019un <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/quest-ce-que-la-protection-eau-au-dessus-du-sol\/\"><span style=\"font-weight: 400;\">appareil ou d\u2019un syst\u00e8me situ\u00e9 au-dessus du sol<\/span><\/a><span style=\"font-weight: 400;\">, comme un climatiseur.&nbsp;<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Avenant pour panne d\u2019\u00e9quipement&nbsp;: <\/strong> <span style=\"font-weight: 400;\">Couvre les frais de r\u00e9paration ou de remplacement des syst\u00e8mes et appareils m\u00e9nagers en cas de panne de courant ou m\u00e9canique.&nbsp;<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\"><strong>Avenant pour piscine et spa&nbsp;:<\/strong> Offre une protection pour les dommages ou la responsabilit\u00e9 li\u00e9s \u00e0 une piscine ou un spa sur votre propri\u00e9t\u00e9.&nbsp;<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Avenant pour tremblement de terre&nbsp;: <\/strong> <span style=\"font-weight: 400;\">Prot\u00e8ge votre maison et vos biens contre les pertes ou dommages caus\u00e9s par un s\u00e9isme.&nbsp;<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Avenant d\u2019urgence&nbsp;: <\/strong> <span style=\"font-weight: 400;\">Prolonge la validit\u00e9 de votre police jusqu\u2019\u00e0 120&nbsp;jours si une <\/span><a href=\"https:\/\/fr.ibc.ca\/stay-protected\/severe-weather-centre\/wildfire-season\"><span style=\"font-weight: 400;\">situation d\u2019urgence est d\u00e9clar\u00e9e par le gouvernement<\/span><\/a> <span style=\"font-weight: 400;\"> et que votre assureur ne peut pas \u00e9mettre un renouvellement \u00e0 temps.&nbsp;<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Avenant pour vol d\u2019identit\u00e9&nbsp;:<\/strong> <span style=\"font-weight: 400;\"> Aide \u00e0 couvrir les frais li\u00e9s \u00e0 la r\u00e9cup\u00e9ration de <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/faq-sur-lassurance-contre-le-vol-didentite-au-canada\/\"><span style=\"font-weight: 400;\">votre identit\u00e9 apr\u00e8s un vol<\/span><\/a><span style=\"font-weight: 400;\">, y compris les frais juridiques et la perte de revenus.&nbsp;<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Avenant pour entreprise \u00e0 domicile&nbsp;:<\/strong> <span style=\"font-weight: 400;\"> \u00c9tend votre couverture aux \u00e9quipements et \u00e0 la responsabilit\u00e9 civile li\u00e9s \u00e0 une petite entreprise exploit\u00e9e \u00e0 partir de votre domicile. <\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Avenant pour biens personnels d\u00e9sign\u00e9s&nbsp;:<\/strong> Offre une protection suppl\u00e9mentaire pour des articles de grande valeur comme des bijoux, de l\u2019\u00e9quipement sportif ou des appareils \u00e9lectroniques qui d\u00e9passent les limites de votre police standard. &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pouvez-vous-verifier-les-avenants-inclus-dans-votre-assurance\">Pouvez-vous v\u00e9rifier les avenants inclus dans votre assurance\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Oui, il est tout \u00e0 fait possible de v\u00e9rifier les avenants qui font partie de votre police d\u2019assurance. En g\u00e9n\u00e9ral, vous trouverez la liste de ces avenants dans les documents que vous avez re\u00e7us par courriel ou par la poste lors de la souscription ou du renouvellement de votre assurance.&nbsp;<\/span>\n\n<span style=\"font-weight: 400;\">Voici comment faire pour les rep\u00e9rer&nbsp;:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Trouvez vos documents d\u2019assurance les plus r\u00e9cents&nbsp;:<\/strong> <span style=\"font-weight: 400;\"> Cherchez la version papier ou num\u00e9rique de votre police, re\u00e7ue au moment de l\u2019achat ou du renouvellement. Si vous ne la trouvez pas, connectez-vous \u00e0 votre portail client en ligne ou contactez votre assureur pour en obtenir une copie.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><strong>Rep\u00e9rez la section des avenants&nbsp;:<\/strong> <\/span><span style=\"font-weight: 400;\">Les avenants sont souvent regroup\u00e9s dans une section sp\u00e9cifique du document. Cherchez des titres comme \u00ab\u2009Avenants\u2009\u00bb, \u00ab\u2009Riders\u2009\u00bb ou \u00ab\u2009Modifications \u00e0 la police\u2009\u00bb.<\/span><\/li>\n\n\n\n<li><strong>V\u00e9rifiez les ajustements de couverture&nbsp;: <\/strong> Si aucune section n\u2019est clairement identifi\u00e9e, parcourez le document \u00e0 la recherche de termes comme \u00ab\u2009couverture suppl\u00e9mentaire\u2009\u00bb, \u00ab\u2009dispositions sp\u00e9ciales\u2009\u00bb ou \u00ab\u2009ajustements \u00e0 la couverture standard\u2009\u00bb. Ces expressions indiquent souvent qu\u2019il s\u2019agit d\u2019un avenant.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-quand-peut-on-ajouter-un-avenant-a-une-police-d-assurance\">Quand peut-on ajouter un avenant \u00e0 une police d\u2019assurance\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Selon l\u2019assureur, il est g\u00e9n\u00e9ralement possible d\u2019ajouter un avenant \u00e0 diff\u00e9rents moments&nbsp;: lors de la souscription de votre police, en cours de contrat ou au moment du renouvellement. Les avenants sont utiles pour ajuster votre couverture \u00e0 mesure que votre situation \u00e9volue. Par exemple, vous pourriez en avoir besoin si vous achetez une nouvelle voiture ou une nouvelle maison, ou encore si vous <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/assurance-pour-conducteur-occasionnel-au-canada\/\"><span style=\"font-weight: 400;\">ajoutez un conducteur \u00e0 votre police existante<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019assurance est cens\u00e9e vous offrir une protection. Mais parfois, la couverture de base ne suffit pas. C\u2019est \u00e0 ce moment-l\u00e0 que les avenants prennent tout leur sens. Ces ajouts \u00e0 votre police permettent de renforcer votre protection et de l\u2019ajuster \u00e0 votre mode de vie. Que vous souhaitiez couvrir des&#8230;<\/p>\n","protected":false},"author":20,"featured_media":10302,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[461,469,457,465,455],"tags":[],"class_list":["post-10808","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance-auto","category-assurance-condo","category-assurance-habitation","category-assurance-locataire","category-conseils-assurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.4 (Yoast SEO v28.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Les avenants d\u2019assurance que vous ne saviez pas que vous pouviez avoir<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez ce qu\u2019est un avenant d\u2019assurance et comment il peut adapter votre police pour qu\u2019elle vous prot\u00e8ge vraiment, 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