{"id":7891,"date":"2024-12-05T05:01:40","date_gmt":"2024-12-05T05:01:40","guid":{"rendered":"https:\/\/youset.ca\/?p=7891"},"modified":"2026-03-16T12:11:36","modified_gmt":"2026-03-16T12:11:36","slug":"quest-ce-que-lassurance-valeur-a-neuf-et-est-ce-que-ca-vaut-la-peine","status":"publish","type":"post","link":"https:\/\/youset.ca\/fr\/blog\/quest-ce-que-lassurance-valeur-a-neuf\/","title":{"rendered":"Qu\u2019est-ce que l\u2019assurance valeur \u00e0 neuf et est-ce que \u00e7a vaut la peine\u2009?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Vous \u00eates-vous d\u00e9j\u00e0 demand\u00e9 comment les assureurs d\u00e9cident du montant qu\u2019ils vous remboursent quand vous <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/reclamations-assurance-habitation\/\"><span style=\"font-weight: 400;\">faites une r\u00e9clamation<\/span><\/a> <span style=\"font-weight: 400;\">&nbsp;pour des biens perdus ou endommag\u00e9s\u2009? Comment calculent-ils ce montant\u2009?<\/span> <span style=\"font-weight: 400;\">Bien que les assureurs gardent leurs m\u00e9thodes secr\u00e8tes, un point important est de savoir si vous avez choisi une protection bas\u00e9e sur la valeur \u00e0 neuf.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Alors, qu\u2019est-ce que l\u2019assurance valeur \u00e0 neuf\u2009? Cet article est un petit guide pour bien comprendre&nbsp;: vous y trouverez une d\u00e9finition simple, un exemple concret, une explication du fonctionnement, et des questions pour savoir si cette protection est faite pour vous.&nbsp;<\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_1d00371309b8fb714772d8d7cf95f29c\" 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\">L\u2019assurance \u00e0 valeur \u00e0 neuf correspond au montant n\u00e9cessaire pour r\u00e9parer ou remplacer un bien endommag\u00e9 par un article neuf de nature et de qualit\u00e9 comparables, selon les prix actuels. Cela garantit que l\u2019indemnit\u00e9 vers\u00e9e lors d\u2019une r\u00e9clamation ne sera pas r\u00e9duite en raison de la d\u00e9pr\u00e9ciation apr\u00e8s un sinistre couvert.\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-que-la-valeur-a-neuf\">Qu\u2019est-ce que la valeur \u00e0 neuf\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">La valeur \u00e0 neuf est le montant n\u00e9cessaire pour remplacer ou r\u00e9parer un bien endommag\u00e9 par un article neuf, de qualit\u00e9 et de type similaires, selon les prix actuels. Elle garantit que si un \u00e9v\u00e9nement couvert d\u00e9truit votre bien, et que votre r\u00e9clamation est accept\u00e9e, le remboursement ne sera pas r\u00e9duit par la d\u00e9pr\u00e9ciation.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Certaines polices incluent la valeur \u00e0 neuf par d\u00e9faut, mais souvent, c\u2019est une option \u00e0 ajouter \u00e0 votre police <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/assurance-des-biens-specifiques-au-canada\/\"><span style=\"font-weight: 400;\">sous forme d\u2019avenant<\/span><\/a><span style=\"font-weight: 400;\">. Avec cet avenant, votre protection passe de la valeur marchande (qui prend en compte la d\u00e9pr\u00e9ciation) au remboursement complet d\u2019un article neuf, peu importe son \u00e2ge ou son \u00e9tat.<\/span> &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-exemple-de-valeur-a-neuf\">Exemple de valeur \u00e0 neuf<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Voici un exemple pour mieux comprendre&nbsp;: imaginons que votre t\u00e9l\u00e9viseur, achet\u00e9 il y a cinq ans pour 1\u2009200&nbsp;$, est d\u00e9truit dans un incendie. Si vous avez choisi une police \u00e0 valeur \u00e0 neuf, votre assureur calculera combien il vous en co\u00fbterait aujourd\u2019hui pour acheter un t\u00e9l\u00e9viseur \u00e9quivalent et vous versera cette somme.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Si vous aviez une police bas\u00e9e sur la valeur marchande, votre assureur tiendrait compte de la d\u00e9pr\u00e9ciation. La valeur actuelle de votre t\u00e9l\u00e9viseur aurait probablement beaucoup baiss\u00e9, et vous pourriez ne recevoir que quelques centaines de dollars. Vous seriez alors oblig\u00e9 de payer le reste de votre poche pour acheter un t\u00e9l\u00e9viseur neuf.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-comment-fonctionne-la-protection-valeur-a-neuf\">Comment fonctionne la protection valeur \u00e0 neuf<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Au Canada, beaucoup de compagnies d\u2019assurance et de courtiers offrent l\u2019option d\u2019ajouter une protection valeur \u00e0 neuf \u00e0 votre police d\u2019assurance <a href=\"https:\/\/youset.ca\/fr\/guide-assurance-auto\/\">auto<\/a>, <\/span><a href=\"https:\/\/youset.ca\/fr\/guide-assurance-habitation\/\"><span style=\"font-weight: 400;\">habitation<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/qu-est-ce-que-l-assurance-condo\/\"><span style=\"font-weight: 400;\">condo<\/span><\/a><span style=\"font-weight: 400;\">, ou <\/span><a href=\"https:\/\/youset.ca\/fr\/guide-assurance-locataire\/\"><span style=\"font-weight: 400;\">locataire<\/span><\/a><span style=\"font-weight: 400;\">. Par contre, ce n\u2019est pas souvent le cas pour l\u2019assurance auto, car les protections \u00ab\u2009tous risques\u2009\u00bb et \u00ab\u2009collision\u2009\u00bb remplissent un r\u00f4le similaire.&nbsp;<\/span>\n\n<span style=\"font-weight: 400;\">Une fois cette protection ajout\u00e9e, voici comment elle fonctionne si vous faites une r\u00e9clamation&nbsp;:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Faites une r\u00e9clamation aupr\u00e8s de votre assureur. Donnez des d\u00e9tails sur l\u2019incident (ce qui s\u2019est pass\u00e9, quand et comment) et ajoutez des documents utiles, comme des photos ou des re\u00e7us.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Un expert en sinistres sera probablement assign\u00e9 \u00e0 votre dossier. Cette personne examinera les dommages, v\u00e9rifiera vos documents et d\u00e9terminera si votre r\u00e9clamation est valide selon les termes de votre police.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Si votre r\u00e9clamation est accept\u00e9e, l\u2019expert \u00e9valuera le co\u00fbt pour remplacer vos biens et transmettra cette information \u00e0 votre assureur.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">L\u2019assureur calculera le montant de votre indemnisation et vous enverra un paiement bas\u00e9 sur ce montant.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Avec cet argent, vous pourrez acheter un nouvel article similaire \u00e0 celui perdu ou endommag\u00e9.<\/span><\/li>\n<\/ul>\n\n\n\n\t<section id=\"post-cta-block_78f700d7902366239aa62ea547749722\" 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<h2 class=\"wp-block-heading\" id=\"h-valeur-a-neuf-ou-valeur-marchande-laquelle-est-meilleure\">Valeur \u00e0 neuf ou valeur marchande : laquelle est meilleure\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Choisir entre la valeur \u00e0 neuf et la valeur marchande d\u00e9pend de vous. Personne ne conna\u00eet mieux que vous la valeur de vos biens, votre situation financi\u00e8re, vos besoins et votre budget.<\/span> <span style=\"font-weight: 400;\">V<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">oici une astuce pour vous aider&nbsp;: r\u00e9fl\u00e9chissez \u00e0 quelques questions. Si vous r\u00e9pondez surtout par des A, la valeur \u00e0 neuf pourrait \u00eatre un meilleur choix, car elle prot\u00e8ge davantage vos biens en cas de perte ou de dommage. Si vous r\u00e9pondez surtout par des B, la valeur marchande pourrait suffire, surtout si vous pr\u00e9f\u00e9rez payer des primes plus basses et acceptez que vos biens soient rembours\u00e9s en tenant compte de leur d\u00e9pr\u00e9ciation.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Rappelez-vous que ce n\u2019est qu\u2019un guide. Consultez votre assureur ou votre courtier pour obtenir des conseils personnalis\u00e9s selon votre situation.&nbsp;<\/span> &nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-question-1-est-ce-important-pour-vous-de-pouvoir-remplacer-vos-biens-sans-vous-soucier-de-la-depreciation\">Question 1 : Est-ce important pour vous de pouvoir remplacer vos biens sans vous soucier de la d\u00e9pr\u00e9ciation\u2009?<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Oui, c\u2019est tr\u00e8s important. Je veux une protection qui remplace tout \u00e0 neuf.<\/li>\n\n\n\n<li>Pas vraiment. Je suis d\u2019accord pour une indemnisation qui tient compte de la d\u00e9pr\u00e9ciation.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-question-2-avez-vous-des-objets-de-valeur-ou-recents-qui-seraient-difficiles-a-remplacer-si-leur-valeur-diminuait-avec-le-temps\">Question 2 : Avez-vous des objets de valeur ou r\u00e9cents qui seraient difficiles \u00e0 remplacer si leur valeur diminuait avec le temps\u2009?<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Oui, j\u2019ai des objets importants ou r\u00e9cents qui co\u00fbteraient cher \u00e0 remplacer.<\/li>\n\n\n\n<li>Non, la plupart de mes biens sont vieux ou pas tr\u00e8s pr\u00e9cieux.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-question-3-prevoyez-vous-d-acheter-des-objets-neufs-ou-de-grande-valeur-prochainement\">Question 3 : Pr\u00e9voyez-vous d\u2019acheter des objets neufs ou de grande valeur prochainement\u2009?<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Oui, j\u2019ai des plans pour acheter des objets de grande valeur bient\u00f4t.<\/li>\n\n\n\n<li>Non, je ne pr\u00e9vois pas d\u2019achats importants pour l\u2019instant.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-question-4-si-votre-indemnisation-est-plus-basse-a-cause-de-la-depreciation-etes-vous-pret-a-payer-la-difference-de-votre-poche\">Question 4 : Si votre indemnisation est plus basse \u00e0 cause de la d\u00e9pr\u00e9ciation, \u00eates-vous pr\u00eat \u00e0 payer la diff\u00e9rence de votre poche\u2009?<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Non, je pr\u00e9f\u00e8re \u00eatre rembours\u00e9 enti\u00e8rement sans d\u00e9pr\u00e9ciation.<\/li>\n\n\n\n<li>Oui, je suis pr\u00eat \u00e0 accepter un remboursement bas\u00e9 sur la valeur actuelle de mes biens.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-question-5-cherchez-vous-a-garder-vos-primes-d-assurance-aussi-basses-que-possible\">Question 5 : Cherchez-vous \u00e0 garder vos primes d\u2019assurance aussi basses que possible\u2009?<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Non, je suis pr\u00eat \u00e0 payer un peu plus pour une meilleure protection.<\/li>\n\n\n\n<li>Oui, je dois garder mes co\u00fbts d\u2019assurance aussi bas que possible.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-prochaines-etapes\">Prochaines \u00e9tapes<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Choisir une protection valeur \u00e0 neuf ou valeur marchande d\u00e9pend de votre situation et de la valeur de vos biens. En r\u00e9pondant \u00e0 ces questions, vous pouvez mieux cibler ce qui vous convient. Si vous pensez que la valeur \u00e0 neuf est le bon choix, l\u2019\u00e9tape suivante est de v\u00e9rifier combien co\u00fbterait une assurance <a href=\"https:\/\/youset.ca\/fr\/assurance-auto\/\">auto<\/a>, <\/span><a href=\"https:\/\/youset.ca\/fr\/assurance-habitation\/\"><span style=\"font-weight: 400;\">habitation<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/youset.ca\/fr\/assurance-condo\/\"><span style=\"font-weight: 400;\">condo<\/span><\/a><span style=\"font-weight: 400;\">, ou <\/span><a href=\"https:\/\/youset.ca\/fr\/assurance-locataire\/\"><span style=\"font-weight: 400;\">locataire<\/span><\/a> <span style=\"font-weight: 400;\"> avec cette option. Vous pouvez le d\u00e9couvrir en moins de quatre minutes avec YouSet. Pourquoi attendre, <\/span><a href=\"https:\/\/www.app.youset.ca\/start?lng=fr&amp;externalId=blog\"><span style=\"font-weight: 400;\">essayez-le maintenant<\/span><\/a> <span style=\"font-weight: 400;\">\u2009!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vous \u00eates-vous d\u00e9j\u00e0 demand\u00e9 comment les assureurs d\u00e9cident du montant qu\u2019ils vous remboursent quand vous faites une r\u00e9clamation &nbsp;pour des biens perdus ou endommag\u00e9s\u2009? Comment calculent-ils ce montant\u2009? Bien que les assureurs gardent leurs m\u00e9thodes secr\u00e8tes, un point important est de savoir si vous avez choisi une protection bas\u00e9e sur&#8230;<\/p>\n","protected":false},"author":11,"featured_media":7819,"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-7891","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 v27.8 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Qu\u2019est-ce que l\u2019assurance valeur \u00e0 neuf et est-ce que \u00e7a vaut la peine\u2009? - YouSet<\/title>\n<meta name=\"description\" content=\"Est-ce que l\u2019assurance valeur \u00e0 neuf en vaut la peine\u2009? 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