{"id":13615,"date":"2026-01-22T05:01:17","date_gmt":"2026-01-22T05:01:17","guid":{"rendered":"https:\/\/youset.ca\/?p=13615"},"modified":"2026-07-21T13:52:25","modified_gmt":"2026-07-21T13:52:25","slug":"assurance-auto-ia-vs-youset","status":"publish","type":"post","link":"https:\/\/youset.ca\/fr\/blog\/assurance-auto-ia-vs-youset\/","title":{"rendered":"Assurance auto iA vs YouSet : Le pour et le contre [2026]"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Marque d\u2019assurance auto bien \u00e9tablie et reconnue au Qu\u00e9bec, l\u2019assurance auto iA est un choix familier pour de nombreux conducteurs.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Mais alors que les <\/span><a href=\"https:\/\/bac.ibc.ca\/actualites-et-perspectives\/au-point\/les-cinq-principaux-facteurs-d-augmentation-des-primes-d-assurance-automobile\"><span style=\"font-weight: 400;\">primes d\u2019assurance auto continuent d\u2019augmenter<\/span><\/a> <span style=\"font-weight: 400;\"> en raison de co\u00fbts de r\u00e9paration records, de mat\u00e9riaux plus chers, de taux de vol de v\u00e9hicules historiques et de technologies automobiles de plus en plus complexes, iA est-elle vraiment le bon choix pour vous\u2009? C\u2019est une d\u00e9cision qui n\u2019appartient qu\u2019\u00e0 vous.<\/span> <span style=\"font-weight: 400;\">Si vous recherchez une police qui \u00e9quilibre r\u00e9ellement le prix et la couverture, iA pourrait \u00eatre la solution\u2026 mais il n\u2019y a qu\u2019une seule fa\u00e7on de le savoir.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Tout commence par faire vos recherches (comme vous le faites en ce moment), comparer plusieurs assureurs et peser les avantages et les inconv\u00e9nients de chacun. Ce n\u2019est qu\u2019\u00e0 ce moment-l\u00e0 que vous saurez si l\u2019assurance auto iA est le bon choix pour vous, ou si un assureur alternatif comme <\/span><a href=\"https:\/\/www.app.youset.ca\/start?lng=fr&amp;externalId=blog\"><span style=\"font-weight: 400;\">YouSet<\/span><\/a> <span style=\"font-weight: 400;\"> peut offrir autant\u2026 ou m\u00eame plus.<\/span><\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 id=\"h-en-quoi-youset-est-different-de-ia\" class=\"wp-block-heading\">En quoi YouSet est diff\u00e9rent de iA\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">YouSet combine la simplicit\u00e9 d\u2019une plateforme en ligne avec les avantages d\u2019un courtier d\u2019assurance certifi\u00e9, tandis que iA est un assureur direct qui con\u00e7oit et vend ses propres polices.<\/span>\n\n<span style=\"font-weight: 400;\">Ainsi, il existe des diff\u00e9rences importantes entre YouSet et iA \u00e0 consid\u00e9rer, que vous trouverez clairement pr\u00e9sent\u00e9es dans le tableau ci-dessous.<\/span><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>&nbsp;<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>YouSet<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>iA<\/strong><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><em>Type de fournisseur&nbsp;<\/em><\/td><td class=\"has-text-align-left\" data-align=\"left\">Courtier d\u2019assurance num\u00e9rique<\/td><td class=\"has-text-align-left\" data-align=\"left\">Assureur direct au consommateur (D2C)<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><em>Produits<\/em><\/td><td class=\"has-text-align-left\" data-align=\"left\">Habitation, locataire, condo et automobile<\/td><td class=\"has-text-align-left\" data-align=\"left\">Habitation, locataire, condo, automobile, vie, voyage et sant\u00e9<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><em>Nombre d\u2019assureurs<\/em><\/td><td class=\"has-text-align-left\" data-align=\"left\">20+ assureurs<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 assureur (eux-m\u00eames)<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><em>Comparaison des prix&nbsp;<\/em><\/td><td class=\"has-text-align-left\" data-align=\"left\">Comparaison c\u00f4te \u00e0 c\u00f4te, affiche plusieurs soumissions<\/td><td class=\"has-text-align-left\" data-align=\"left\">Aucune comparaison, une seule soumission (la leur)<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><em>Souscription<\/em><\/td><td class=\"has-text-align-left\" data-align=\"left\">Ne souscrit pas de polices<\/td><td class=\"has-text-align-left\" data-align=\"left\">Assureur direct (souscrit ses propres polices)<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><em>Paiement<\/em><\/td><td class=\"has-text-align-left\" data-align=\"left\">Paiement en ligne ou par t\u00e9l\u00e9phone<\/td><td class=\"has-text-align-left\" data-align=\"left\">Paiement en ligne ou par t\u00e9l\u00e9phone<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><em>R\u00e9clamations&nbsp;<\/em><\/td><td class=\"has-text-align-left\" data-align=\"left\">R\u00e9clamations trait\u00e9es par l\u2019assureur, avec soutien suppl\u00e9mentaire de YouSet au besoin<\/td><td class=\"has-text-align-left\" data-align=\"left\">R\u00e9clamations trait\u00e9es directement par iA<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 id=\"h-avantages-et-inconvenients-de-l-assurance-auto-ia\" class=\"wp-block-heading\">Avantages et inconv\u00e9nients de l\u2019assurance auto iA<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Comme tout assureur, iA pr\u00e9sente des forces et des faiblesses. Certaines personnes appr\u00e9cieront ses caract\u00e9ristiques ou ses services, tandis que d\u2019autres pourraient rencontrer certaines limites. Conna\u00eetre les deux c\u00f4t\u00e9s de la m\u00e9daille vous aide \u00e0 d\u00e9terminer si c\u2019est le bon choix pour vous.<\/span><\/p>\n\n\n\n<h3 id=\"h-soutenue-par-ia-groupe-financier-inc\" class=\"wp-block-heading\">Soutenue par iA Groupe financier inc.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">iA Groupe financier \u00e9tait le <\/span><a href=\"https:\/\/www.insurancebusinessmag.com\/ca\/guides\/the-10-largest-insurance-companies-in-canada-based-on-total-assets-442513.aspx\"><span style=\"font-weight: 400;\">sixi\u00e8me plus grand assureur au Canada<\/span><\/a> <span style=\"font-weight: 400;\"> en 2023 selon l\u2019actif total, d\u2019apr\u00e8s <\/span><i><span style=\"font-weight: 400;\">Insurance Business Magazine<\/span><\/i><span style=\"font-weight: 400;\">, et a continu\u00e9 d\u2019afficher de <\/span><a href=\"https:\/\/www.theglobeandmail.com\/investing\/markets\/markets-news\/Business%20Wire\/35904270\/ia-financial-group-reports-third-quarter-results\/\"><span style=\"font-weight: 400;\">solides r\u00e9sultats financiers en 2025<\/span><\/a><span style=\"font-weight: 400;\">. Sa solidit\u00e9 et sa stabilit\u00e9 financi\u00e8res contribuent \u00e0 assurer qu\u2019elle peut respecter ses engagements envers ses assur\u00e9s.<\/span> &nbsp;<\/p>\n\n\n\n<h3 id=\"h-offerte-uniquement-au-quebec\" class=\"wp-block-heading\">Offerte uniquement au Qu\u00e9bec<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">En date de novembre 2025, l\u2019assurance auto iA est offerte uniquement aux conducteurs du Qu\u00e9bec. Cela dit, en 2021, <\/span><a href=\"https:\/\/www.insurancebusinessmag.com\/ca\/news\/technology\/ia-financial-acquires-majority-stake-in-surex-315340.aspx\"><span style=\"font-weight: 400;\">iA Groupe financier a acquis une participation majoritaire dans Surex<\/span><\/a><span style=\"font-weight: 400;\">, un courtier d\u2019assurance bas\u00e9 en Alberta. Surex fait maintenant partie de iA Groupe financier et offre de l\u2019assurance auto \u00e0 l\u2019ext\u00e9rieur du Qu\u00e9bec, mais sous une marque diff\u00e9rente de iA. <\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 id=\"h-rabais-pour-les-clients-ia\" class=\"wp-block-heading\">Rabais pour les clients iA<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Si vous d\u00e9tenez d\u00e9j\u00e0 une assurance vie, invalidit\u00e9 ou maladies graves, ou encore un produit d\u2019\u00e9pargne iA, vous pourriez avoir droit \u00e0 un rabais allant jusqu\u2019\u00e0 10&nbsp;% sur votre assurance auto. Cela peut rendre l\u2019assurance auto iA plus attrayante pour les personnes qui pr\u00e9f\u00e8rent regrouper plusieurs produits chez un seul fournisseur.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 id=\"h-processus-d-achat-en-ligne-limite\" class=\"wp-block-heading\">Processus d\u2019achat en ligne limit\u00e9<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Sur le site web d\u2019iA, il est indiqu\u00e9 que vous \u00ab\u2009pourriez ne pas avoir l\u2019option de contracter l\u2019assurance en ligne\u2009\u00bb et que les soumissions en ligne sont des \u00ab\u2009estimations r\u00e9serv\u00e9es aux nouveaux clients\u2009\u00bb. Cela signifie qu\u2019un appel avec un agent pourrait \u00eatre n\u00e9cessaire pour valider vos informations et confirmer le prix final.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 id=\"h-large-gamme-de-produits-d-assurance\" class=\"wp-block-heading\">Large gamme de produits d\u2019assurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">En plus de l\u2019assurance auto, iA propose aussi d\u2019autres protections, comme l\u2019assurance habitation, vie, VR, invalidit\u00e9 et voyage. Comme chez la plupart des assureurs, il est possible de regrouper plusieurs polices pour \u00e9conomiser. Cela dit, il est toujours conseill\u00e9 de comparer les \u00e9conomies totales d\u2019un regroupement chez un <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/regrouper-ses-assurances-et-economisez\/\"><span style=\"font-weight: 400;\">seul assureur avec celles obtenues en choisissant diff\u00e9rents fournisseurs<\/span><\/a><span style=\"font-weight: 400;\">.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 id=\"h-limite-aux-produits-et-tarifs-ia\" class=\"wp-block-heading\">Limit\u00e9 aux produits et tarifs iA<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Si vous souscrivez une assurance auto chez iA, votre police sera g\u00e9n\u00e9ralement souscrite par iA elle-m\u00eame ou par l\u2019une de ses soci\u00e9t\u00e9s affili\u00e9es. Vous \u00eates donc limit\u00e9 \u00e0 leurs options de couverture, leurs tarifs et leurs rabais. \u00c0 l\u2019inverse, un <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/les-avantages-d-un-courtier-d-assurance\/\"><span style=\"font-weight: 400;\">courtier d\u2019assurance num\u00e9rique<\/span><\/a> <span style=\"font-weight: 400;\"> comme YouSet compare plusieurs assureurs, avec diff\u00e9rentes m\u00e9thodes de souscription et structures de prix, afin de vous aider \u00e0 trouver la meilleure couverture au meilleur prix.<\/span> &nbsp;<\/p>\n\n\n\n<h3 id=\"h-petit-rabais-pour-l-achat-en-ligne\" class=\"wp-block-heading\">Petit rabais pour l\u2019achat en ligne<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">iA offre un rabais de 50&nbsp;$ aux clients qui ach\u00e8tent leur police sur son site web. C\u2019est une pratique courante chez les assureurs qui vendent traditionnellement par t\u00e9l\u00e9phone ou qui re\u00e7oivent un volume \u00e9lev\u00e9 d\u2019appels et souhaitent encourager l\u2019utilisation des canaux num\u00e9riques.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 id=\"h-acces-limite-au-service-en-personne\" class=\"wp-block-heading\">Acc\u00e8s limit\u00e9 au service en personne<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">M\u00eame s\u2019il existe plusieurs bureaux physiques d\u2019iA Groupe financier au Qu\u00e9bec, celui le plus pr\u00e8s de chez vous n\u2019offre pas n\u00e9cessairement de soutien en personne pour l\u2019assurance auto. Les agents sur place se concentrent souvent sur les produits financiers et de gestion de patrimoine. Il est donc pr\u00e9f\u00e9rable de v\u00e9rifier \u00e0 l\u2019avance si le bureau peut traiter des demandes li\u00e9es \u00e0 l\u2019assurance auto.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h2 id=\"h-ia-vs-youset-quelle-assurance-auto-choisir\" class=\"wp-block-heading\">iA vs YouSet : Quelle assurance auto choisir\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Selon la soumission que vous obtenez chez iA et les conclusions tir\u00e9es de vos recherches, vous pourriez envisager un fournisseur alternatif, comme YouSet.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depuis 2017, YouSet aide les Canadiens \u00e0 <a href=\"https:\/\/www.app.youset.ca\/start?lng=fr&amp;externalId=blog\">souscrire une assurance auto et habitation en ligne<\/a> en seulement 4&nbsp;minutes. Plut\u00f4t que de passer des heures \u00e0 chercher la meilleure offre, leur technologie fait tout le travail pour vous. En plus, les plus grandes compagnies d\u2019assurance du Canada se font concurrence pour vous offrir le meilleur tarif. Avec plus de 300\u2009000&nbsp;utilisateurs et une note moyenne de 4,9&nbsp;\u00e9toiles sur 5, YouSet est un courtier fiable et efficace.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-le-meilleur-prix-annee-apres-annee\">Le meilleur prix, ann\u00e9e apr\u00e8s ann\u00e9e<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019algorithme de YouSet a un seul objectif&nbsp;: trouver le meilleur prix. Si votre tarif augmente au renouvellement, YouSet vous avertit et vous aide \u00e0 trouver une meilleure offre.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-renouvellements-sans-surprise\">Renouvellements sans surprise<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 chaque renouvellement, YouSet v\u00e9rifie si votre prix est toujours le plus bas. Si ce n\u2019est plus le cas, ils vous aident \u00e0 changer d\u2019assureur facilement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-compare-l-assurance-auto-et-habitation-pour-economiser-encore-plus\">Compare l\u2019assurance auto et habitation pour \u00e9conomiser encore plus<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">YouSet est le seul courtier au Canada qui compare automatiquement le co\u00fbt d\u2019un regroupement auto\/habitation avec des assureurs diff\u00e9rents. R\u00e9sultat\u2009? Vous obtenez l\u2019option qui vous fait \u00e9conomiser le plus.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"681\" src=\"https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/Combinez-votre-assurance-auto-et-habitation-avec-YouSet-FR-1024x681.webp\" alt=\"Combinez votre assurance auto et habitation avec YouSet\" class=\"wp-image-9290\" srcset=\"https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/Combinez-votre-assurance-auto-et-habitation-avec-YouSet-FR-1024x681.webp 1024w, https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/Combinez-votre-assurance-auto-et-habitation-avec-YouSet-FR-300x200.webp 300w, https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/Combinez-votre-assurance-auto-et-habitation-avec-YouSet-FR-768x511.webp 768w, https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/Combinez-votre-assurance-auto-et-habitation-avec-YouSet-FR-50x33.webp 50w, https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/Combinez-votre-assurance-auto-et-habitation-avec-YouSet-FR-1536x1022.webp 1536w, https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/Combinez-votre-assurance-auto-et-habitation-avec-YouSet-FR-600x399.webp 600w, https:\/\/youset.ca\/wp-content\/uploads\/2024\/05\/Combinez-votre-assurance-auto-et-habitation-avec-YouSet-FR.webp 1984w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"h-tout-se-fait-en-ligne-sans-attente-au-telephone\">Tout se fait en ligne, sans attente au t\u00e9l\u00e9phone<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Fini les appels interminables et les attentes en ligne\u2009! Avec YouSet, vous pouvez souscrire, personnaliser, modifier et renouveler votre assurance en toute autonomie, directement en ligne.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-tres-apprecie-des-canadiens\">Tr\u00e8s appr\u00e9ci\u00e9 des Canadiens<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Avec une note moyenne de <a href=\"https:\/\/www.google.com\/search?q=youset+google+reviews&amp;rlz=1C1VDKB_enCA1096CA1096&amp;oq=youset+google+reviews&amp;gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIICAEQABgWGB4yCggCEAAYgAQYogQyCggDEAAYgAQYogTSAQg0MjEyajBqN6gCALACAA&amp;sourceid=chrome&amp;ie=UTF-8#lrd=0x4cc91be2cf84ad7b:0x343519cea81a6cc2,1,,,,\">4,8&nbsp;\u00e9toiles sur 5 sur Google<\/a>, les utilisateurs disent que YouSet facilite l\u2019achat d\u2019assurance auto et habitation en ligne au meilleur prix.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Marque d\u2019assurance auto bien \u00e9tablie et reconnue au Qu\u00e9bec, l\u2019assurance auto iA est un choix familier pour de nombreux conducteurs.&nbsp; Mais alors que les primes d\u2019assurance auto continuent d\u2019augmenter en raison de co\u00fbts de r\u00e9paration records, de mat\u00e9riaux plus chers, de taux de vol de v\u00e9hicules historiques et de technologies&#8230;<\/p>\n","protected":false},"author":11,"featured_media":12257,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[461],"tags":[],"class_list":["post-13615","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 v28.5) - 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