{"id":7902,"date":"2025-01-02T05:01:31","date_gmt":"2025-01-02T05:01:31","guid":{"rendered":"https:\/\/youset.ca\/?p=7902"},"modified":"2026-03-16T12:11:37","modified_gmt":"2026-03-16T12:11:37","slug":"assurance-auto-multirisque-au-canada","status":"publish","type":"post","link":"https:\/\/youset.ca\/fr\/blog\/assurance-auto-multirisque-au-canada\/","title":{"rendered":"L\u2019assurance auto multirisque au Canada : ce qu\u2019il faut savoir"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Quand vous contractez une assurance auto au Canada, certaines protections de base sont incluses pour couvrir les blessures ou dommages que vous pourriez causer \u00e0 d\u2019autres personnes ou v\u00e9hicules. Mais ces protections ne couvrent pas votre propre voiture, vous laissant sans soutien en cas d\u2019incidents impr\u00e9vus, comme une branche qui tombe sur votre voiture ou un animal qui traverse la route.&nbsp;<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">C\u2019est l\u00e0 qu\u2019entre en jeu la protection multirisque. Elle est parfaite pour ceux qui veulent \u00eatre prot\u00e9g\u00e9s contre un \u00e9ventail plus large de risques.<\/span> <span style=\"font-weight: 400;\">Dans cet article, vous apprendrez ce qu\u2019est la <\/span><a href=\"https:\/\/youset.ca\/fr\/assurance-auto\/?utm_source=organic&#038;utm_medium=blog&#038;sourceId=sou_5cfb985153d64a9fb8cb3b54f5103ef1&#038;externalId=organic\"><span style=\"font-weight: 400;\">protection multirisque au Canada<\/span><\/a><span style=\"font-weight: 400;\">, ce qu\u2019elle couvre, en quoi elle est diff\u00e9rente de la protection collision, et comment v\u00e9rifier si elle fait partie de votre police d\u2019assurance. Cela vous aidera \u00e0 mieux choisir une assurance qui correspond \u00e0 vos besoins.<\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_d5a4bab1976a6dc78b215aba71f9981e\" 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 protection multirisque est une protection optionnelle que vous pouvez ajouter \u00e0 votre police d\u2019assurance auto. Elle prot\u00e8ge votre v\u00e9hicule contre les risques autres que les collisions, comme les incendies, le vol ou les intemp\u00e9ries violentes. Elle n\u2019est pas obligatoire, mais elle est souvent recommand\u00e9e et parfois exig\u00e9e par les pr\u00eateurs si votre voiture est de grande valeur ou financ\u00e9e.\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-protection-multirisque-au-canada\">Qu\u2019est-ce que la protection multirisque au Canada\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">La protection multirisque est une <\/span><a href=\"https:\/\/youset.ca\/fr\/guide-assurance-auto\/?utm_source=organic&#038;utm_medium=blog&#038;sourceId=sou_5cfb985153d64a9fb8cb3b54f5103ef1&#038;externalId=organic\"><span style=\"font-weight: 400;\">option d\u2019assurance auto<\/span><\/a> <span style=\"font-weight: 400;\"> qui prot\u00e8ge votre voiture contre des incidents impr\u00e9vus o\u00f9 la responsabilit\u00e9 n\u2019est pas en cause, comme un incendie, un vol, du vandalisme ou des d\u00e9g\u00e2ts caus\u00e9s par la m\u00e9t\u00e9o. Ces situations, souvent hors de votre contr\u00f4le, peuvent arriver m\u00eame quand vous ne conduisez pas. Par exemple, une branche qui tombe sur votre voiture ou votre voiture qui est vol\u00e9e. Cette protection peut vous \u00e9viter de mauvaises surprises et des d\u00e9penses importantes.<\/span> &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-ce-que-couvre-la-protection-multirisque\">Ce que couvre la protection \u00ab\u2009multirisque\u2009\u00bb<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">L\u2019assurance auto multirisque prot\u00e8ge votre voiture dans des situations que l\u2019<\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/que-couvre-lassurance-auto\/\"><span style=\"font-weight: 400;\">assurance de base ne couvre pas<\/span><\/a><span style=\"font-weight: 400;\">. Tandis que l\u2019assurance de base couvre les dommages et blessures que vous pourriez causer \u00e0 autrui, la protection multirisque prot\u00e8ge votre propre v\u00e9hicule dans des cas comme&nbsp;:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Dommages caus\u00e9s par la m\u00e9t\u00e9o (gr\u00eale, vent, etc.)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Vandalisme (graffiti, peinture grafign\u00e9e, pneus crev\u00e9s, vitres cass\u00e9es, etc.)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Vol (<\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/lassurance-couvre-t-elle-le-vol-de-voiture\/\"><span style=\"font-weight: 400;\">voiture vol\u00e9e<\/span><\/a><span style=\"font-weight: 400;\">, pi\u00e8ces vol\u00e9es, catalyseur vol\u00e9, etc.)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Objets qui tombent (branches d\u2019arbres, d\u00e9bris de construction, glace, etc.)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Incendies<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Beaucoup pensent que ces situations sont automatiquement couvertes, mais ce n\u2019est pas le cas. Si vous n\u2019ajoutez pas cette protection \u00e0 votre police, vous pourriez ne pas \u00eatre prot\u00e9g\u00e9 financi\u00e8rement. Si vous n\u2019\u00eates pas s\u00fbr de ce que couvre votre assurance actuelle, c\u2019est le bon moment pour v\u00e9rifier.<\/span>\n\n&nbsp;<\/p>\n\n\n\n\t<section id=\"post-cta-block_bc2502b1e6605b8135d11bfaf516c5e1\" class=\"post-block pt-8 pb-8 lg:pb-20\">\n\t\t\t\t<div class=\"lg:flex justify-between 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-difference-entre-la-protection-collision-et-multirisque\">Diff\u00e9rence entre la protection collision et multirisque<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/youset.ca\/fr\/blog\/lassurance-couvre-t-elle-le-vol-de-voiture\/\"><span style=\"font-weight: 400;\">La protection collision<\/span><\/a> <span style=\"font-weight: 400;\"> et la protection multirisque sont diff\u00e9rentes, mais elles se compl\u00e8tent bien pour offrir une protection plus compl\u00e8te. La protection collision prot\u00e8ge votre voiture en cas d\u2019accident avec un autre v\u00e9hicule ou un objet, alors que la protection multirisque prot\u00e8ge votre voiture contre des incidents hors collision, comme le vol, le vandalisme, les incendies, ou les catastrophes naturelles. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Vous pouvez voir les types de dommages et les situations couvertes par chacune dans le tableau suivant.<\/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>Type de dommage<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Protection collision<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Protection tous risques<\/strong><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Collision avec un autre v\u00e9hicule<\/td><td class=\"has-text-align-center\" data-align=\"center\">Oui<\/td><td class=\"has-text-align-center\" data-align=\"center\">Non<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Collision avec un objet immobile (p. ex. un arbre)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Oui<\/td><td class=\"has-text-align-center\" data-align=\"center\">Non<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Collision avec un danger sur la route (p. ex. un nid-de-poule)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Oui<\/td><td class=\"has-text-align-center\" data-align=\"center\">Non<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Collision avec d\u00e9lit de fuite<\/td><td class=\"has-text-align-center\" data-align=\"center\">Oui<\/td><td class=\"has-text-align-center\" data-align=\"center\">Non<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Accident avec renversement<\/td><td class=\"has-text-align-center\" data-align=\"center\">Oui<\/td><td class=\"has-text-align-center\" data-align=\"center\">Non<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Dommage caus\u00e9 par la m\u00e9t\u00e9o (p. ex. la gr\u00eale)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Non<\/td><td class=\"has-text-align-center\" data-align=\"center\">Oui<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Vandalisme<\/td><td class=\"has-text-align-center\" data-align=\"center\">Non<\/td><td class=\"has-text-align-center\" data-align=\"center\">Oui<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/youset.ca\/fr\/blog\/lassurance-couvre-t-elle-le-vol-de-voiture\/\">Vol<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">Non<\/td><td class=\"has-text-align-center\" data-align=\"center\">Oui<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Feu<\/td><td class=\"has-text-align-center\" data-align=\"center\">Non<\/td><td class=\"has-text-align-center\" data-align=\"center\">Oui<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Objet qui tombe<\/td><td class=\"has-text-align-center\" data-align=\"center\">Non<\/td><td class=\"has-text-align-center\" data-align=\"center\">Oui<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Dommage caus\u00e9 par un animal vivant (p. ex. un cerf, un orignal, un ours)<\/td><td class=\"has-text-align-center\" data-align=\"center\">Non<\/td><td class=\"has-text-align-center\" data-align=\"center\">Oui<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-comment-savoir-si-vous-avez-une-assurance-auto-multirisque\">Comment savoir si vous avez une assurance auto multirisque<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Vous ne savez pas si votre police inclut une protection multirisque? Il vaut mieux le v\u00e9rifier rapidement pour \u00e9viter de mauvaises surprises. Voici comment proc\u00e9der.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-option-1-verifiez-votre-compte-d-assurance-en-ligne\">Option 1 : V\u00e9rifiez votre compte d\u2019assurance en ligne<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Beaucoup d\u2019assureurs canadiens offrent un portail en ligne pour g\u00e9rer vos assurances. Connectez-vous \u00e0 votre compte si vous avez vos identifiants et cherchez une section comme \u00ab\u2009D\u00e9tails de la police\u2009\u00bb ou \u00ab\u2009<\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/comment-choisir-le-bon-type-dassurance-auto\/\"><span style=\"font-weight: 400;\">Types de protection<\/span><\/a> <span style=\"font-weight: 400;\">\u2009\u00bb. Vous y trouverez si vous avez une protection multirisque.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-option-2-consultez-vos-documents-d-assurance\">Option 2 : Consultez vos documents d\u2019assurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Quand vous avez contract\u00e9 votre assurance, votre assureur a d\u00fb vous envoyer un document d\u00e9taillant votre police, par courriel ou par la poste. Trouvez ce document et cherchez des sections comme \u00ab\u2009R\u00e9sum\u00e9 des protections\u2009\u00bb ou \u00ab\u2009D\u00e9tails des garanties\u2009\u00bb.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-option-3-appelez-votre-assureur-ou-courtier\">Option 3 : Appelez votre assureur ou courtier<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Si vous ne trouvez pas l\u2019information ou si vous avez des doutes, contactez directement votre assureur ou votre courtier. Demandez-leur si votre police inclut une protection multirisque.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-combien-coute-une-assurance-auto-multirisque\">Combien co\u00fbte une assurance auto multirisque ? \u200b<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Au Canada, certaines protections sont obligatoires, comme la responsabilit\u00e9 civile, mais la protection multirisque ne l\u2019est pas. Si vous voulez \u00eatre couvert contre des dommages caus\u00e9s par la m\u00e9t\u00e9o, le vol, le vandalisme, un incendie ou des objets tombants, vous devez l\u2019ajouter \u00e0 votre police et payer un suppl\u00e9ment. Sinon, vous devrez payer ces dommages de votre poche.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Le co\u00fbt de la protection multirisque varie. Voici des exemples de soumissions montrant la diff\u00e9rence de prix avec et sans cette protection en Ontario et au Qu\u00e9bec. Gardez en t\u00eate que le co\u00fbt exact d\u00e9pend de votre r\u00e9gion, de votre dossier de conduite et de vos r\u00e9clamations.<\/span><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Soumission avec protection multirisque et franchise de 500 $<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Soumission sans protection multirisque<\/strong><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><em>Ontario<\/em><\/td><td class=\"has-text-align-center\" data-align=\"center\">107 $<\/td><td class=\"has-text-align-center\" data-align=\"center\">94 $<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><em>Qu\u00e9bec<\/em><\/td><td class=\"has-text-align-center\" data-align=\"center\">36 $<\/td><td class=\"has-text-align-center\" data-align=\"center\">29 $<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Pourquoi les prix diff\u00e8rent entre l\u2019Ontario et le <\/span><a href=\"https:\/\/youset.ca\/fr\/assurance-auto\/localite\/assurance-auto-quebec\/?utm_source=organic&#038;utm_medium=blog&#038;sourceId=sou_5cfb985153d64a9fb8cb3b54f5103ef1&#038;externalId=organic\"><span style=\"font-weight: 400;\">Qu\u00e9bec<\/span><\/a> <span style=\"font-weight: 400;\">\u2009<\/span><span style=\"font-weight: 400;\">? La diff\u00e9rence vient du r\u00e9gime public d\u2019assurance auto au Qu\u00e9bec. Au Qu\u00e9bec, les conducteurs contractent une partie de leur assurance aupr\u00e8s d\u2019assureurs priv\u00e9s, comme YouSet, tandis que le reste est couvert par le syst\u00e8me public. En Ontario, tout doit \u00eatre achet\u00e9 aupr\u00e8s d\u2019assureurs priv\u00e9s, ce qui inclut plus de protections et entra\u00eene des primes plus \u00e9lev\u00e9es.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-est-ce-que-ma-prime-augmente-apres-une-reclamation-multirisque\">Est-ce que ma prime augmente apr\u00e8s une r\u00e9clamation multirisque\u2009\u200b?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Ce n\u2019est pas s\u00fbr \u00e0 100&nbsp;%, mais c\u2019est possible. Les assureurs voient chaque r\u00e9clamation comme un risque suppl\u00e9mentaire, ce qui peut faire augmenter vos primes. <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/reclamations-dassurance-auto\/\"><span style=\"font-weight: 400;\">Avant de faire une r\u00e9clamation<\/span><\/a><span style=\"font-weight: 400;\">, comparez le co\u00fbt des r\u00e9parations \u00e0 votre franchise. Si les dommages co\u00fbtent presque le m\u00eame montant ou moins que votre franchise, payer de votre poche pourrait \u00eatre une meilleure option pour \u00e9viter une augmentation de vos primes. <\/span>\n\n&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-quelle-franchise-choisir-pour-une-protection-multirisque\">Quelle franchise choisir pour une protection multirisque\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Une bonne franchise est un montant que vous pouvez payer sans probl\u00e8me. Au Canada, une franchise de 500&nbsp;$ est courante.&nbsp;<\/span>\n\n<span style=\"font-weight: 400;\">Si vous choisissez une franchise plus \u00e9lev\u00e9e (p. ex. 1\u2009000&nbsp;$), votre prime pourrait baisser, mais vous devrez assumer un co\u00fbt plus important si vous faites une r\u00e9clamation. Assurez-vous de pouvoir couvrir ce montant avant de choisir une franchise \u00e9lev\u00e9e.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-avez-vous-besoin-d-une-assurance-multirisque\">Avez-vous besoin d\u2019une assurance multirisque ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">L\u2019assurance multirisque n\u2019est pas obligatoire au Canada, mais elle peut \u00eatre utile. Par exemple, un pr\u00eateur ou un bailleur pourrait l\u2019exiger si votre voiture est financ\u00e9e ou lou\u00e9e.<\/span> <span style=\"font-weight: 400;\">Cette assurance prot\u00e8ge contre le vol, le vandalisme, les intemp\u00e9ries, et plus encore. Pour certains, cette tranquillit\u00e9 d\u2019esprit vaut le co\u00fbt. Pour d\u2019autres, il est pr\u00e9f\u00e9rable d\u2019\u00e9conomiser cet argent et d\u2019assumer le risque.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Il n\u2019y a pas de bonne ou de mauvaise r\u00e9ponse\u2009; tout d\u00e9pend de votre situation, de votre tol\u00e9rance au risque, de votre mode de vie, de votre budget et de vos pr\u00e9f\u00e9rences. Pour savoir si cette assurance vous convient, posez-vous ces questions&nbsp;:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Votre voiture est-elle r\u00e9cente ou co\u00fbteuse\u2009?<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Votre voiture est-elle parmi les plus vol\u00e9es au Canada\u2009?<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Votre voiture est-elle financ\u00e9e ou lou\u00e9e avec une exigence d\u2019assurance multirisque ?<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Vivez-vous dans une r\u00e9gion o\u00f9 les intemp\u00e9ries sont fr\u00e9quentes\u2009?<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Votre voiture est-elle souvent stationn\u00e9e \u00e0 l\u2019ext\u00e9rieur, expos\u00e9e aux vols ou aux d\u00e9g\u00e2ts\u2009?<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Vivez-vous dans une r\u00e9gion o\u00f9 les vols ou le vandalisme sont fr\u00e9quents\u2009? (Astuce&nbsp;: V\u00e9rifiez si vous habitez l\u2019une de ces r\u00e9gions en <\/span><a href=\"https:\/\/fr.ibc.ca\/news-insights\/news\/insurance-bureau-of-canada-reveals-ontario-s-top-10-costliest-cities-for-auto-theft-claims\"><span style=\"font-weight: 400;\">Ontario<\/span><\/a> <span style=\"font-weight: 400;\"> ou au <\/span><a href=\"https:\/\/gaa.qc.ca\/fr\/statistiques\/experience-de-sinistres\/vol-automobile-par-region\/\"><span style=\"font-weight: 400;\">Qu\u00e9bec<\/span><\/a><span style=\"font-weight: 400;\">)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Serait-il difficile pour vous de payer les r\u00e9parations ou un remplacement sans assurance\u2009?<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Est-ce que la tranquillit\u00e9 d\u2019esprit que cette assurance offre en vaut le co\u00fbt pour vous\u2009?<\/span><\/li>\n<\/ul>\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;\">Si vous pensez que cette assurance est la bonne pour vous, mais que vous craignez le co\u00fbt, YouSet peut vous aider. En seulement 4&nbsp;minutes, la <\/span><a href=\"https:\/\/www.app.youset.ca\/start?lng=fr&amp;externalId=blog\"><span style=\"font-weight: 400;\">plateforme YouSet<\/span><\/a> <span style=\"font-weight: 400;\"> compare les soumissions de plusieurs assureurs, applique des rabais et trouve le meilleur prix. Vous pouvez aussi personnaliser votre police pour r\u00e9pondre \u00e0 vos besoins.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Quand vous contractez une assurance auto au Canada, certaines protections de base sont incluses pour couvrir les blessures ou dommages que vous pourriez causer \u00e0 d\u2019autres personnes ou v\u00e9hicules. Mais ces protections ne couvrent pas votre propre voiture, vous laissant sans soutien en cas d\u2019incidents impr\u00e9vus, comme une branche qui&#8230;<\/p>\n","protected":false},"author":11,"featured_media":7835,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[461],"tags":[],"class_list":["post-7902","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 v27.8 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>L\u2019assurance auto multirisque au Canada : ce qu\u2019il faut savoir - YouSet<\/title>\n<meta name=\"description\" content=\"Au Canada, la protection multirisque est optionnelle, mais elle peut vous \u00eatre utile dans des situations fr\u00e9quentes hors collision.\" \/>\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\/assurance-auto-multirisque-au-canada\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L\u2019assurance auto multirisque au Canada : ce qu\u2019il faut savoir\" \/>\n<meta property=\"og:description\" content=\"%\" \/>\n<meta property=\"og:url\" content=\"https:\/\/youset.ca\/fr\/blog\/assurance-auto-multirisque-au-canada\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/yousetinsurance\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-01-02T05:01:31+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-16T12:11:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/youset.ca\/wp-content\/uploads\/2025\/01\/Basics-of-Comprehensive-Car-Insurance-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=\"Emily May\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emily May\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/assurance-auto-multirisque-au-canada\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/assurance-auto-multirisque-au-canada\\\/\"},\"author\":{\"name\":\"Emily May\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/#\\\/schema\\\/person\\\/0686aae361019707f752e540bb05fb40\"},\"headline\":\"L\u2019assurance auto multirisque au Canada : ce qu\u2019il faut savoir\",\"datePublished\":\"2025-01-02T05:01:31+00:00\",\"dateModified\":\"2026-03-16T12:11:37+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/assurance-auto-multirisque-au-canada\\\/\"},\"wordCount\":1475,\"publisher\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/assurance-auto-multirisque-au-canada\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/youset.ca\\\/wp-content\\\/uploads\\\/2025\\\/01\\\/Basics-of-Comprehensive-Car-Insurance-YouSet.webp\",\"articleSection\":[\"Assurance auto\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/assurance-auto-multirisque-au-canada\\\/\",\"url\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/assurance-auto-multirisque-au-canada\\\/\",\"name\":\"L\u2019assurance auto multirisque au Canada : ce qu\u2019il faut savoir - 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