{"id":15655,"date":"2026-06-02T05:01:00","date_gmt":"2026-06-02T05:01:00","guid":{"rendered":"https:\/\/youset.ca\/?p=15655"},"modified":"2026-05-22T14:39:09","modified_gmt":"2026-05-22T14:39:09","slug":"lassurance-auto-comprend-elle-lassistance-routiere","status":"publish","type":"post","link":"https:\/\/youset.ca\/fr\/blog\/lassurance-auto-comprend-elle-lassistance-routiere\/","title":{"rendered":"L\u2019assurance auto comprend-elle l\u2019assistance routi\u00e8re\u2009?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Imaginez la sc\u00e8ne&nbsp;: c\u2019est le milieu de l\u2019hiver, vous rentrez du travail et votre voiture refuse de d\u00e9marrer dans un stationnement glacial. Que faites-vous\u2009?&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce genre de situation est plus courant qu\u2019on pourrait le croire, et il arrive rarement au bon moment. C\u2019est l\u00e0 que l\u2019assistance routi\u00e8re peut faire toute la diff\u00e9rence. Elle vous donne la tranquillit\u00e9 d\u2019esprit de savoir que si un probl\u00e8me survient, que vous soyez pr\u00e8s de chez vous ou \u00e0 des kilom\u00e8tres de la maison, il suffit d\u2019un appel pour obtenir de l\u2019aide, reprendre la route ou vous rendre en toute s\u00e9curit\u00e9 jusqu\u2019\u00e0 un atelier de r\u00e9paration.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Au Canada, il existe quelques fa\u00e7ons d\u2019obtenir cette protection&nbsp;: l\u2019ajouter \u00e0 votre police d\u2019<a href=\"https:\/\/youset.ca\/fr\/assurance-auto\/\">assurance auto<\/a> ou souscrire un programme d\u2019adh\u00e9sion distinct. Dans cet article, vous d\u00e9couvrirez si l\u2019assistance routi\u00e8re est incluse dans l\u2019assurance auto, ce qu\u2019elle couvre g\u00e9n\u00e9ralement et \u00e0 qui elle peut \u00eatre utile.&nbsp;&nbsp;<\/p>\n\n\n\n\t<section id=\"post-callout-block_722c2b23b3aab48a8ce13b7e882aea87\" 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\"><p><span style=\"font-weight: 400\">L\u2019assistance routi\u00e8re n\u2019est g\u00e9n\u00e9ralement pas incluse dans les polices d\u2019assurance auto standards. Vous pouvez l\u2019ajouter sous forme d\u2019avenant ou souscrire une adh\u00e9sion distincte pour couvrir des services comme le remorquage, le survoltage de batterie et le d\u00e9verrouillage de porti\u00e8res.<\/span><span style=\"font-weight: 400\">\u00a0<\/span><\/p>\n<\/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-l-assistance-routiere-n-est-pas-incluse-dans-les-polices-d-assurance-auto-standards\">L\u2019assistance routi\u00e8re n\u2019est pas incluse dans les polices d\u2019assurance auto standards<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Au Canada, les polices d\u2019assurance auto ne comprennent pas automatiquement l\u2019assistance routi\u00e8re. Certains assureurs l\u2019offrent en option, mais elle n\u2019est pas incluse de base, contrairement \u00e0 la <a href=\"https:\/\/youset.ca\/fr\/blog\/protection-responsabilite-civile-pour-assurance-auto\/\">responsabilit\u00e9 civile<\/a>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-l-assistance-routiere-peut-etre-ajoutee-a-l-assurance-auto\">L\u2019assistance routi\u00e8re peut \u00eatre ajout\u00e9e \u00e0 l\u2019assurance auto<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019assistance routi\u00e8re est habituellement offerte comme protection optionnelle ou sous forme d\u2019<a href=\"https:\/\/youset.ca\/fr\/blog\/avenants-d-assurance-au-canada\/\">avenant<\/a>, plut\u00f4t que d\u2019\u00eatre automatiquement incluse dans votre police. M\u00eame si elle entra\u00eene des frais suppl\u00e9mentaires, son co\u00fbt est souvent comparable \u00e0 celui d\u2019un service ou d\u2019un programme d\u2019adh\u00e9sion sp\u00e9cialis\u00e9. Elle peut couvrir des frais li\u00e9s \u00e0 l\u2019assistance routi\u00e8re, comme le remorquage ou l\u2019aide en cas de cl\u00e9s verrouill\u00e9es dans le v\u00e9hicule.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-services-couverts-par-l-assurance-d-assistance-routiere-nbsp\">Services couverts par l\u2019assurance d\u2019assistance routi\u00e8re&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019assistance routi\u00e8re est con\u00e7ue pour vous aider \u00e0 reprendre la route rapidement lorsque votre v\u00e9hicule tombe en panne ou devient impossible \u00e0 conduire. Bien que chaque assureur soit l\u00e9g\u00e8rement diff\u00e9rent, la plupart des protections comprennent de l\u2019aide pour les situations courantes et impr\u00e9vues, notamment&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le remorquage vers un atelier de r\u00e9paration \u00e0 proximit\u00e9 ou vers une destination situ\u00e9e dans les limites pr\u00e9vues par votre police<\/li>\n\n\n\n<li>Le survoltage de la batterie lorsque votre v\u00e9hicule ne d\u00e9marre pas<\/li>\n\n\n\n<li>Le remplacement d\u2019un pneu crev\u00e9 \u00e0 l\u2019aide de la roue de secours de votre v\u00e9hicule<\/li>\n\n\n\n<li>L\u2019aide en cas de cl\u00e9s verrouill\u00e9es dans le v\u00e9hicule<\/li>\n\n\n\n<li>La livraison de carburant si vous tombez en panne d\u2019essence<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u00ab\u2009La couverture peut varier d\u2019un assureur \u00e0 l\u2019autre. Il est donc important de v\u00e9rifier des \u00e9l\u00e9ments comme les limites de remorquage et le nombre d\u2019appels de service inclus\u2009\u00bb, explique Channelle Cote, courti\u00e8re titulaire d\u2019un permis de l\u2019AMF et du RIBO chez YouSet.<\/p>\n\n\n\n\t<section id=\"post-cta-block_619c9e13cb5a16525c564c9f400aaf1b\" 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-services-non-inclus-au-dela-de-l-assistance-routiere-de-base\">Services non inclus au-del\u00e0 de l\u2019assistance routi\u00e8re de base<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019assistance routi\u00e8re ne remplace pas les r\u00e9parations compl\u00e8tes du v\u00e9hicule ni l\u2019entretien r\u00e9gulier. Voici quelques exemples de services qui ne sont g\u00e9n\u00e9ralement pas inclus&nbsp;:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Les r\u00e9parations m\u00e9caniques autres que les petites r\u00e9parations pouvant \u00eatre effectu\u00e9es sur place<\/li>\n\n\n\n<li>Les pi\u00e8ces de remplacement ou les co\u00fbts de r\u00e9paration \u00e0 long terme du v\u00e9hicule<\/li>\n\n\n\n<li>L\u2019entretien courant ou les services d\u2019entretien pr\u00e9vus<\/li>\n\n\n\n<li>Les incidents qui d\u00e9passent les limites de la protection, par exemple la distance, le nombre d\u2019appels ou la zone g\u00e9ographique couverte<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-avenant-d-assurance-ou-programme-d-adhesion-a-l-assistance-routiere\">Avenant d\u2019assurance ou programme d\u2019adh\u00e9sion \u00e0 l\u2019assistance routi\u00e8re<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019assistance routi\u00e8re peut \u00eatre ajout\u00e9e directement \u00e0 votre <a href=\"https:\/\/youset.ca\/fr\/blog\/comment-fonctionne-l-assurance-auto-au-quebec\/\">police d\u2019assurance auto<\/a> ou achet\u00e9e s\u00e9par\u00e9ment sous forme d\u2019adh\u00e9sion aupr\u00e8s d\u2019un fournisseur tiers. Lorsqu\u2019elle est ajout\u00e9e \u00e0 votre assurance, elle est li\u00e9e \u00e0 votre police et factur\u00e9e par votre assureur, ce qui en fait une option pratique et centralis\u00e9e.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les programmes d\u2019adh\u00e9sion, quant \u00e0 eux, fonctionnent de fa\u00e7on ind\u00e9pendante et offrent diff\u00e9rents forfaits. M\u00eame si les r\u00e9seaux de service peuvent se recouper dans les deux cas, les r\u00e8gles d\u2019acc\u00e8s, la priorit\u00e9 de r\u00e9ponse et les limites peuvent varier. Avant de choisir un programme d\u2019assistance routi\u00e8re, il peut \u00eatre utile de v\u00e9rifier&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>S\u2019il y a une distance maximale de remorquage<\/li>\n\n\n\n<li>S\u2019il y a un nombre limit\u00e9 d\u2019appels de service par ann\u00e9e<\/li>\n\n\n\n<li>Si l\u2019assistance est exclue dans certaines r\u00e9gions \u00e9loign\u00e9es ou lors de d\u00e9placements transfrontaliers que vous faites souvent<\/li>\n\n\n\n<li>Les d\u00e9lais de r\u00e9ponse et les fournisseurs de service&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Avant de comparer les options, v\u00e9rifiez toutefois si vous avez d\u00e9j\u00e0 une protection. Si vous avez r\u00e9cemment achet\u00e9 ou lou\u00e9 un v\u00e9hicule neuf, la garantie du fabricant peut inclure l\u2019assistance routi\u00e8re pendant une p\u00e9riode ou un nombre de kilom\u00e8tres d\u00e9termin\u00e9.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-l-assistance-routiere-est-particulierement-utile-pour-les-conducteurs-plus-exposes-aux-risques-nbsp\">L\u2019assistance routi\u00e8re est particuli\u00e8rement utile pour les conducteurs plus expos\u00e9s aux risques&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019assistance routi\u00e8re peut \u00eatre utile \u00e0 n\u2019importe quel conducteur, mais elle est particuli\u00e8rement avantageuse pour ceux qui sont plus susceptibles d\u2019avoir des probl\u00e8mes sur la route.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, si vous avez une voiture plus ancienne, vous pourriez \u00eatre plus \u00e0 risque de tomber en panne en raison de l\u2019usure normale. Si vous conduisez souvent sur de longues distances ou dans des r\u00e9gions que vous connaissez moins, l\u2019acc\u00e8s \u00e0 une assistance routi\u00e8re peut vous offrir une plus grande tranquillit\u00e9 d\u2019esprit.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous vivez et conduisez souvent dans des conditions hivernales difficiles, comme \u00e0 Montr\u00e9al, vous \u00eates aussi plus \u00e0 risque d\u2019avoir des probl\u00e8mes de batterie ou de pneus. Et si vous n\u2019avez pas facilement acc\u00e8s \u00e0 l\u2019aide d\u2019amis, de membres de votre famille ou de services \u00e0 proximit\u00e9, l\u2019assistance routi\u00e8re peut servir de solution de secours fiable.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans ces situations, l\u2019assistance routi\u00e8re vous \u00e9vite de rester coinc\u00e9 si quelque chose tourne mal.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Imaginez la sc\u00e8ne&nbsp;: c\u2019est le milieu de l\u2019hiver, vous rentrez du travail et votre voiture refuse de d\u00e9marrer dans un stationnement glacial. Que faites-vous\u2009?&nbsp; Ce genre de situation est plus courant qu\u2019on pourrait le croire, et il arrive rarement au bon moment. C\u2019est l\u00e0 que l\u2019assistance routi\u00e8re peut faire toute&#8230;<\/p>\n","protected":false},"author":20,"featured_media":15483,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"footnotes":""},"categories":[461],"tags":[],"class_list":["post-15655","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 v28.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>L\u2019assurance auto comprend-elle l\u2019assistance routi\u00e8re\u2009? - YouSet<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez si l\u2019assistance routi\u00e8re est incluse dans les polices d\u2019assurance auto standards et comment elle se compare aux programmes d\u2019adh\u00e9sion distincts.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/youset.ca\/fr\/blog\/lassurance-auto-comprend-elle-lassistance-routiere\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L\u2019assurance auto comprend-elle l\u2019assistance routi\u00e8re\u2009?\" \/>\n<meta property=\"og:description\" content=\"%\" \/>\n<meta property=\"og:url\" content=\"https:\/\/youset.ca\/fr\/blog\/lassurance-auto-comprend-elle-lassistance-routiere\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/yousetinsurance\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-06-02T05:01:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/youset.ca\/wp-content\/uploads\/2026\/04\/Does-Car-Insurance-Include-Roadside-Assistance-YouSet.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Brianna Harrison\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Brianna Harrison\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/lassurance-auto-comprend-elle-lassistance-routiere\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/lassurance-auto-comprend-elle-lassistance-routiere\\\/\"},\"author\":{\"name\":\"Brianna Harrison\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/#\\\/schema\\\/person\\\/3503bb385953c57101889154e406f61c\"},\"headline\":\"L\u2019assurance auto comprend-elle l\u2019assistance routi\u00e8re\u2009?\",\"datePublished\":\"2026-06-02T05:01:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/lassurance-auto-comprend-elle-lassistance-routiere\\\/\"},\"wordCount\":1064,\"publisher\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/lassurance-auto-comprend-elle-lassistance-routiere\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/youset.ca\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/Does-Car-Insurance-Include-Roadside-Assistance-YouSet.webp\",\"articleSection\":[\"Assurance auto\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/lassurance-auto-comprend-elle-lassistance-routiere\\\/\",\"url\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/lassurance-auto-comprend-elle-lassistance-routiere\\\/\",\"name\":\"L\u2019assurance auto comprend-elle l\u2019assistance routi\u00e8re\u2009? 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