{"id":11935,"date":"2025-10-07T05:01:39","date_gmt":"2025-10-07T05:01:39","guid":{"rendered":"https:\/\/youset.ca\/?p=11935"},"modified":"2026-03-17T18:21:33","modified_gmt":"2026-03-17T18:21:33","slug":"indemnisation-sans-depreciation-limitee-assurance-auto","status":"publish","type":"post","link":"https:\/\/youset.ca\/fr\/blog\/indemnisation-sans-depreciation-limitee-assurance-auto\/","title":{"rendered":"[Quiz] Indemnisation sans d\u00e9pr\u00e9ciation limit\u00e9e : est-ce que \u00e7a vaut le coup\u2009?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">On le sait&nbsp;: une voiture neuve perd rapidement de la valeur. En moyenne, elle se d\u00e9pr\u00e9cie d\u2019environ <\/span><a href=\"https:\/\/www.kbb.com\/car-depreciation\/\"><span style=\"font-weight: 400;\">30&nbsp;% dans les deux premi\u00e8res ann\u00e9es<\/span><\/a><span style=\"font-weight: 400;\">. Si votre v\u00e9hicule est d\u00e9clar\u00e9 perte totale pendant cette p\u00e9riode, votre assureur vous versera g\u00e9n\u00e9ralement la valeur marchande, soit ce qu\u2019il vaut apr\u00e8s d\u00e9pr\u00e9ciation, et <\/span><i><span style=\"font-weight: 400;\">non<\/span><\/i> <span style=\"font-weight: 400;\"> le montant que vous avez pay\u00e9.<\/span> <span style=\"font-weight: 400;\">C\u2019est l\u00e0 que l\u2019indemnisation sans d\u00e9pr\u00e9ciation limit\u00e9e peut faire une vraie diff\u00e9rence. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Connue sous le nom de <\/span><a href=\"https:\/\/www.fsrao.ca\/sites\/default\/files\/2022-12\/AF-074F.pdf\"><span style=\"font-weight: 400;\">FMPO&nbsp;43<\/span><\/a> <span style=\"font-weight: 400;\"> en Ontario et <\/span><a href=\"https:\/\/lautorite.qc.ca\/fileadmin\/lautorite\/formulaires\/professionnels\/assureurs\/automobile\/faq-43af.pdf\"><span style=\"font-weight: 400;\">FAQ N\u00b0&nbsp;43<\/span><\/a> <span style=\"font-weight: 400;\"> au Qu\u00e9bec, cette <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/avenants-d-assurance-au-canada\/\"><span style=\"font-weight: 400;\">clause d\u2019assurance<\/span><\/a> <span style=\"font-weight: 400;\"> vous prot\u00e8ge contre cette perte financi\u00e8re en excluant la d\u00e9pr\u00e9ciation du calcul d\u2019indemnisation. Elle est toutefois valide pour une dur\u00e9e limit\u00e9e.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Alors, est-ce que \u00e7a vaut la peine d\u2019ajouter cette protection \u00e0 votre police\u2009? \u00c7a d\u00e9pend de votre situation. Faites notre auto-\u00e9valuation rapide ci-dessous pour le d\u00e9couvrir.<\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_dc72a5706eaeae2b2789ec4941cbfa95\" 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\">La d\u00e9pr\u00e9ciation limit\u00e9e est un avenant \u00e0 votre assurance auto qui prot\u00e8ge la pleine valeur de votre voiture pendant une p\u00e9riode d\u00e9termin\u00e9e apr\u00e8s l\u2019achat, g\u00e9n\u00e9ralement de 2 \u00e0 4\u00a0ans. Elle peut \u00eatre avantageuse pour les v\u00e9hicules r\u00e9cents, mais elle est souvent moins pertinente pour les voitures plus \u00e2g\u00e9es, surtout si vous \u00eates \u00e0 l\u2019aise d\u2019assumer le risque li\u00e9 \u00e0 la d\u00e9pr\u00e9ciation.<\/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-que-l-indemnisation-sans-depreciation-limitee\">Qu\u2019est-ce que l\u2019indemnisation sans d\u00e9pr\u00e9ciation limit\u00e9e\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">L\u2019indemnisation sans d\u00e9pr\u00e9ciation limit\u00e9e est une option que vous pouvez ajouter \u00e0 votre <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/que-couvre-lassurance-auto\/\"><span style=\"font-weight: 400;\">police d\u2019assurance auto<\/span><\/a><span style=\"font-weight: 400;\">. Elle prot\u00e8ge la valeur d\u2019achat de votre v\u00e9hicule pendant une p\u00e9riode d\u00e9termin\u00e9e apr\u00e8s l\u2019achat, g\u00e9n\u00e9ralement entre deux et quatre ans. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Ainsi, si votre voiture est vol\u00e9e ou <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/what-to-do-after-a-minor-car-accident-ontario\/\"><span style=\"font-weight: 400;\">endommag\u00e9e<\/span><\/a> <span style=\"font-weight: 400;\"> au point d\u2019\u00eatre d\u00e9clar\u00e9e perte totale, le montant vers\u00e9 par votre assureur refl\u00e9tera ce que vous avez pay\u00e9, et non sa valeur actuelle.<\/span> <span style=\"font-weight: 400;\">Avec cette protection, vous pourriez recevoir l\u2019un des montants suivants&nbsp;:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">le prix d\u2019achat initial\u2009;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">le prix de d\u00e9tail sugg\u00e9r\u00e9 par le fabricant\u2009; ou<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">le co\u00fbt d\u2019un v\u00e9hicule neuf comparable.&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Par exemple, disons que vous achetez une voiture \u00e0 40\u2009000&nbsp;$. Un an plus tard, elle vaut 32\u2009000&nbsp;$ en raison de la d\u00e9pr\u00e9ciation. Normalement, c\u2019est ce montant que votre assureur utiliserait pour calculer votre indemnisation. Mais avec l\u2019indemnisation sans d\u00e9pr\u00e9ciation limit\u00e9e, vous pourriez \u00eatre couvert jusqu\u2019\u00e0 40\u2009000&nbsp;$.<\/span>\n\n<span style=\"font-weight: 400;\">\u00c0 noter&nbsp;: seule la personne qui ach\u00e8te le v\u00e9hicule neuf peut souscrire cette protection. Les v\u00e9hicules d\u2019occasion, m\u00eame s\u2019ils ont seulement quelques mois, ne sont g\u00e9n\u00e9ralement pas admissibles.&nbsp;<\/span><\/p>\n\n\n\n\t<section id=\"post-cta-block_73561f2eebdb2a01b6f7ebfa0802600e\" 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 et achetez l\u2019assurance auto, en ligne.<\/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<h2 class=\"wp-block-heading\" id=\"h-quiz-l-indemnisation-sans-depreciation-limitee-est-ce-que-ca-vaut-le-coup\">Quiz: L\u2019indemnisation sans d\u00e9pr\u00e9ciation limit\u00e9e, est-ce que \u00e7a vaut le coup\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Si vous achetez ou louez une voiture neuve, ce jeu-questionnaire rapide peut vous aider \u00e0 d\u00e9terminer si l\u2019indemnisation sans d\u00e9pr\u00e9ciation limit\u00e9e est une option int\u00e9ressante \u00e0 ajouter \u00e0 votre assurance auto. Lisez chaque question, choisissez la r\u00e9ponse qui vous ressemble le plus, et notez vos r\u00e9ponses.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-a-quel-point-votre-vehicule-est-il-recent\">\u00c0 quel point votre v\u00e9hicule est-il r\u00e9cent\u2009?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">L\u2019indemnisation sans d\u00e9pr\u00e9ciation est surtout utile pour les voitures neuves, o\u00f9 vous \u00eates le premier propri\u00e9taire et o\u00f9 la d\u00e9pr\u00e9ciation est la plus forte. Si votre v\u00e9hicule a plus de 5&nbsp;ans, sa valeur s\u2019est d\u00e9j\u00e0 stabilis\u00e9e, donc cette protection pourrait \u00eatre moins pertinente.&nbsp;<\/span>\n\nA. Neuf ou moins de 2 ans\n\nB. Environ 3 \u00e0 5 ans\n\nC. Plus de 5 ans\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-comment-votre-voiture-est-elle-financee\">Comment votre voiture est-elle financ\u00e9e\u2009?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Cette protection est particuli\u00e8rement utile si vous louez ou financez votre v\u00e9hicule, car vous pourriez devoir plus que ce que vaut la voiture si elle est d\u00e9clar\u00e9e perte totale.&nbsp;<\/span>\n\nA. Lou\u00e9e\n\nB. Financ\u00e9e\n\nC. Pay\u00e9e en entier\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-si-votre-voiture-etait-declaree-perte-totale-demain-que-voudriez-vous-pour-la-remplacer\">Si votre voiture \u00e9tait d\u00e9clar\u00e9e perte totale demain, que voudriez-vous pour la remplacer\u2009?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Sans cette protection, l\u2019indemnisation pourrait ne pas suffire pour racheter le m\u00eame mod\u00e8le. Vous devrez alors soit payer la diff\u00e9rence de votre poche, soit opter pour un v\u00e9hicule moins cher ou plus vieux. Est-ce que \u00e7a vous conviendrait\u2009?&nbsp;<\/span>\n\nA. Je voudrais le m\u00eame mod\u00e8le\n\nB. Je pourrais me contenter d\u2019un mod\u00e8le l\u00e9g\u00e8rement plus vieux ou d\u2019occasion\n\nC. Je suis pr\u00eat(e) \u00e0 faire un compromis important\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-combien-de-temps-prevoyez-vous-garder-votre-voiture-actuelle\">Combien de temps pr\u00e9voyez-vous garder votre voiture actuelle\u2009?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Les v\u00e9hicules se d\u00e9pr\u00e9cient surtout dans les premi\u00e8res ann\u00e9es, donc cette protection est plus avantageuse pendant cette p\u00e9riode.&nbsp;<\/span>\n\nA. Moins de 5 ans\n\nB. <span style=\"font-weight: 400;\">Plus de 5&nbsp;ans<\/span>\n\nC. Je ne sais pas encore\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-comment-une-perte-imprevue-de-5-000-a-10-000-vous-affecterait-elle\">Comment une perte impr\u00e9vue de 5\u2009000 $ \u00e0 10\u2009000 $ vous affecterait-elle\u2009?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Une voiture neuve peut perdre plusieurs milliers de dollars en valeur en quelques ann\u00e9es. Si elle est d\u00e9clar\u00e9e perte totale, votre indemnisation pourrait refl\u00e9ter cette perte.<\/span>\n\nA. Ce serait un gros probl\u00e8me\n\nB. Ce serait difficile, mais je pourrais m\u2019en sortir\n\nC. Je pourrais g\u00e9rer \u00e7a\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-seriez-vous-pret-e-a-payer-un-peu-plus-chaque-mois-pour-proteger-la-valeur-complete-de-votre-voiture\">Seriez-vous pr\u00eat(e) \u00e0 payer un peu plus chaque mois pour prot\u00e9ger la valeur compl\u00e8te de votre voiture\u2009?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Cette protection a un co\u00fbt, mais la d\u00e9pr\u00e9ciation aussi.&nbsp;<\/span>\n\nA. Oui\n\nB. Peut-\u00eatre, selon le co\u00fbt\n\nC. Non\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-ce-que-vos-reponses-indiquent\">Ce que vos r\u00e9ponses indiquent<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Avant de tirer des conclusions, sachez que cette auto-\u00e9valuation est un point de d\u00e9part. Il n\u2019y a pas de r\u00e9ponse universelle. La pertinence de cette protection d\u00e9pend de votre budget, de votre tol\u00e9rance au risque et de vos pr\u00e9f\u00e9rences personnelles.&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><b>Si vous avez surtout r\u00e9pondu A&nbsp;: <\/b> <span style=\"font-weight: 400;\">L\u2019indemnisation sans d\u00e9pr\u00e9ciation limit\u00e9e pourrait \u00eatre un bon choix pour vous. Vous avez une voiture r\u00e9cente, vous \u00eates sensible au risque financier et vous voudriez remplacer votre v\u00e9hicule par un mod\u00e8le \u00e9quivalent s\u2019il \u00e9tait d\u00e9clar\u00e9 perte totale.&nbsp;<\/span><\/li>\n\n\n\n<li><b>Si vous avez surtout r\u00e9pondu B&nbsp;: <\/b> <span style=\"font-weight: 400;\">Vous \u00eates entre les deux. Cette protection pourrait \u00eatre int\u00e9ressante selon l\u2019\u00e2ge de votre voiture, le co\u00fbt suppl\u00e9mentaire et votre niveau de confort face au risque.&nbsp;&nbsp;<\/span><\/li>\n\n\n\n<li><b>Si vous avez surtout r\u00e9pondu C&nbsp;: <\/b> <span style=\"font-weight: 400;\">Cette protection pourrait ne pas \u00eatre n\u00e9cessaire dans votre cas. Si votre voiture est plus vieille, que vous \u00eates flexible sur le remplacement et que vous \u00eates pr\u00eat(e) \u00e0 absorber une perte financi\u00e8re, vous pourriez choisir de ne pas l\u2019ajouter.&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-comment-ajouter-l-indemnisation-sans-depreciation-limitee\">Comment ajouter l\u2019indemnisation sans d\u00e9pr\u00e9ciation limit\u00e9e<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Si vous d\u00e9cidez d\u2019ajouter l\u2019indemnisation sans d\u00e9pr\u00e9ciation limit\u00e9e \u00e0 votre police d\u2019assurance auto, la premi\u00e8re \u00e9tape est de v\u00e9rifier votre admissibilit\u00e9. Vous devrez g\u00e9n\u00e9ralement fournir la date d\u2019achat et le kilom\u00e9trage de votre v\u00e9hicule pour confirmer qu\u2019il est admissible.&nbsp;<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Une fois que c\u2019est confirm\u00e9, attendez-vous \u00e0 une l\u00e9g\u00e8re augmentation de votre prime mensuelle. Le montant exact d\u00e9pendra de votre assureur.<\/span> <span style=\"font-weight: 400;\">Dans tous les cas, il est toujours judicieux de comparer les soumissions avec YouSet lorsque vous modifiez votre assurance auto. Cela vous permet de vous assurer que vous payez le meilleur prix et que vous ne passez pas \u00e0 c\u00f4t\u00e9 d\u2019une meilleure offre. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Avec YouSet, vous pouvez <\/span><a href=\"https:\/\/www.app.youset.ca\/start\"><span style=\"font-weight: 400;\">obtenir une soumission personnalis\u00e9e<\/span><\/a> <span style=\"font-weight: 400;\"> en moins de 4&nbsp;minutes et ajouter ou retirer facilement l\u2019indemnisation sans d\u00e9pr\u00e9ciation limit\u00e9e pour voir exactement comment cela influence votre tarif. Aucun besoin de deviner.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>On le sait&nbsp;: une voiture neuve perd rapidement de la valeur. En moyenne, elle se d\u00e9pr\u00e9cie d\u2019environ 30&nbsp;% dans les deux premi\u00e8res ann\u00e9es. Si votre v\u00e9hicule est d\u00e9clar\u00e9 perte totale pendant cette p\u00e9riode, votre assureur vous versera g\u00e9n\u00e9ralement la valeur marchande, soit ce qu\u2019il vaut apr\u00e8s d\u00e9pr\u00e9ciation, et non le&#8230;<\/p>\n","protected":false},"author":20,"featured_media":11198,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[461],"tags":[],"class_list":["post-11935","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance-auto"],"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>[Quiz] Indemnisation sans d\u00e9pr\u00e9ciation limit\u00e9e : est-ce que \u00e7a vaut le coup\u2009? - YouSet<\/title>\n<meta name=\"description\" content=\"Vous demandez-vous si l\u2019indemnisation sans d\u00e9pr\u00e9ciation limit\u00e9e est un bon ajout \u00e0 votre assurance auto\u2009? 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