{"id":8765,"date":"2025-02-06T05:01:08","date_gmt":"2025-02-06T05:01:08","guid":{"rendered":"https:\/\/youset.ca\/?p=8765"},"modified":"2026-03-16T12:12:18","modified_gmt":"2026-03-16T12:12:18","slug":"franchise-d-assurance-plus-eleve-ou-plus-bas","status":"publish","type":"post","link":"https:\/\/youset.ca\/fr\/blog\/franchise-d-assurance-plus-eleve-ou-plus-bas\/","title":{"rendered":"Franchises d\u2019assurance : vaut-il mieux choisir un montant plus \u00e9lev\u00e9 ou plus bas\u2009?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Lorsque vous <a href=\"https:\/\/youset.ca\/fr\/assurance-habitation\/\">souscrivez une assurance habitation<\/a> ou <a href=\"https:\/\/youset.ca\/fr\/assurance-auto\/\">automobile<\/a>, vous devez choisir une franchise. Si vous ne comprenez pas bien son fonctionnement, vous pourriez vous retrouver dans une situation financi\u00e8re difficile sans le savoir.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Pour vous aider \u00e0 prendre une d\u00e9cision \u00e9clair\u00e9e, cet article vous explique en d\u00e9tail les franchises d\u2019assurance habitation et auto. Vous d\u00e9couvrirez leur fonctionnement au Canada et apprendrez \u00e0 d\u00e9terminer si une franchise plus \u00e9lev\u00e9e ou plus basse convient le mieux \u00e0 votre situation financi\u00e8re et \u00e0 vos objectifs.<\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_30a8b52ee5933efdd19c03985e94a427\" 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\">Il est pr\u00e9f\u00e9rable de choisir une franchise que vous pouvez raisonnablement vous permettre. Bien qu\u2019une franchise plus \u00e9lev\u00e9e puisse r\u00e9duire votre prime mensuelle, assurez-vous que les \u00e9conomies valent le co\u00fbt suppl\u00e9mentaire que vous devriez payer de votre poche si vous devez faire une r\u00e9clamation.\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-qu-une-franchise-en-assurance\">Qu\u2019est-ce qu\u2019une franchise en assurance\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">En assurance, la franchise est la somme que vous devez payer avant que votre assureur ne couvre le reste des co\u00fbts admissibles. Par exemple, si votre <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/que-couvre-lassurance-auto\/\"><span style=\"font-weight: 400;\">voiture subit des dommages lors d\u2019un accident couvert<\/span><\/a> <span style=\"font-weight: 400;\"> et que les r\u00e9parations co\u00fbtent 2\u2009000&nbsp;$, vous devrez d\u2019abord payer votre franchise (disons 500&nbsp;$) et votre assureur prendra en charge les 1\u2009500&nbsp;$ restants, \u00e0 condition que votre r\u00e9clamation respecte les conditions et limites de votre police.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Au Canada, les polices d\u2019assurance habitation et autocomportent g\u00e9n\u00e9ralement une franchise fixe, comme 500&nbsp;$. D\u2019autres types d\u2019assurances, comme l\u2019assurance maladie, appliquent des r\u00e8gles diff\u00e9rentes, mais cet article se concentre uniquement sur les franchises en assurance habitation et automobile.<\/span> &nbsp;<\/p>\n\n\n\n\t<section id=\"post-cta-block_b810d90f6ed47de4394f03bb658fb7c0\" class=\"post-block pt-8 pb-8 lg:pb-20\">\n\t\t\t\t<div class=\"lg:flex justify-between items-center gap-x-6 rounded-lg bg-indigo-600 px-8 py-7 shadow-[0_2px_10px_0_theme(colors.surface.background.disabled)]\">\n\t\t\t\t\t\t\t<h3 class=\"text-white lg:mb-0\">Comparez assureurs et achetez en 4 minutes.<\/h3>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.app.youset.ca\/start?lng=fr&#038;externalId=blog\" class=\"the-button the-button--white !text-text-primary\">Obtenez une soumission<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-comment-choisir-entre-une-franchise-plus-elevee-ou-plus-basse\">Comment choisir entre une franchise plus \u00e9lev\u00e9e ou plus basse<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Lorsque vous souscrivez une assurance habitation ou auto, la franchise minimale est souvent d\u2019environ 500&nbsp;$. Toutefois, il est possible d\u2019opter pour une franchise plus \u00e9lev\u00e9e en \u00e9change d\u2019une r\u00e9duction sur votre prime d\u2019assurance.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Alors, faut-il choisir une franchise plus basse (p. ex. 500&nbsp;$) ou plus \u00e9lev\u00e9e (p. ex. 1\u2009000&nbsp;$ ou plus)\u2009? La meilleure option est celle qui correspond \u00e0 votre <\/span><i><span style=\"font-weight: 400;\">capacit\u00e9<\/span><\/i> <span style=\"font-weight: 400;\"> financi\u00e8re.&nbsp;<\/span> <span style=\"font-weight: 400;\">Une franchise plus \u00e9lev\u00e9e peut r\u00e9duire votre prime mensuelle, mais il est important de peser les \u00e9conomies r\u00e9alis\u00e9es par rapport au risque d\u2019avoir \u00e0 payer un montant plus \u00e9lev\u00e9 en cas de sinistre. Une petite r\u00e9duction de prime ne vaut peut-\u00eatre pas le stress financier si vous devez soudainement assumer une d\u00e9pense importante.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-une-franchise-plus-elevee-reduit-elle-la-prime-d-assurance\">Une franchise plus \u00e9lev\u00e9e r\u00e9duit-elle la prime d\u2019assurance\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Oui, une franchise plus \u00e9lev\u00e9e peut r\u00e9duire le co\u00fbt de votre prime d\u2019assurance. En acceptant une franchise plus \u00e9lev\u00e9e, vous prenez en charge une plus grande partie des co\u00fbts en cas de r\u00e9clamation, ce qui r\u00e9duit le risque pour votre assureur.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Cependant, une franchise plus \u00e9lev\u00e9e ne garantit pas toujours une baisse significative de votre prime. Le co\u00fbt de l\u2019assurance d\u00e9pend de plusieurs facteurs, comme les protections choisies, les limites de protection, votre historique de r\u00e9clamations et m\u00eame votre lieu de r\u00e9sidence. Les \u00e9conomies varient donc d\u2019un assur\u00e9 \u00e0 l\u2019autre.&nbsp;<\/span> <span style=\"font-weight: 400;\">Si vous voulez savoir combien vous pourriez \u00e9conomiser en optant pour une franchise plus \u00e9lev\u00e9e, voici comment proc\u00e9der.&nbsp;<\/span> &nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-etape-1-obtenez-une-soumission\">\u00c9tape 1 : Obtenez une soumission<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Vous pouvez obtenir une soumission d\u2019assurance habitation ou auto en ligne en quelques minutes au moyen de la <\/span><a href=\"https:\/\/www.app.youset.ca\/start?lng=fr&amp;externalId=blog\"><span style=\"font-weight: 400;\">plateforme en ligne de YouSet<\/span><\/a><span style=\"font-weight: 400;\">.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-etape-2-choisissez-vos-protections-et-limites\">\u00c9tape 2 : Choisissez vos protections et limites<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">S\u00e9lectionnez les protections et limites qui vous conviennent, et ajoutez les options suppl\u00e9mentaires souhait\u00e9es.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-etape-3-optez-pour-la-franchise-la-plus-basse\">\u00c9tape 3 : Optez pour la franchise la plus basse<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Dans les param\u00e8tres de votre police, choisissez la franchise minimale disponible (p. ex. 500&nbsp;$).<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-etape-4-notez-le-prix-mensuel\">\u00c9tape 4 : Notez le prix mensuel<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Une fois la soumission mise \u00e0 jour, prenez en note le montant de votre prime mensuelle. <\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-etape-5-augmentez-la-franchise\">\u00c9tape 5 : Augmentez la franchise<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Sans modifier les autres param\u00e8tres, s\u00e9lectionnez une franchise plus \u00e9lev\u00e9e (p. ex. 1\u2009000&nbsp;$).&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-etape-6-prenez-le-nouveau-montant-mensuel-en-note\">\u00c9tape 6 : Prenez le nouveau montant mensuel en note<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Une fois la nouvelle soumission g\u00e9n\u00e9r\u00e9e, notez le nouveau montant.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-etape-7-comparez-les-prix\">\u00c9tape 7 : Comparez les prix<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Soustrayez la prime avec la franchise plus \u00e9lev\u00e9e de celle avec la franchise plus basse pour voir l\u2019\u00e9conomie potentielle. Multipliez ensuite ce montant par 12 pour obtenir l\u2019\u00e9conomie annuelle.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-etape-8-analysez-les-implications\">\u00c9tape 8 : Analysez les implications<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Maintenant que vous connaissez le montant des \u00e9conomies potentielles, pesez le pour et le contre. Si une franchise plus \u00e9lev\u00e9e vous permet d\u2019\u00e9conomiser 100&nbsp;$ ou plus par an, mais que vous craignez de ne pas pouvoir la payer en cas de r\u00e9clamation, les \u00e9conomies ne justifient peut-\u00eatre pas le risque. \u00c0 l\u2019inverse, si vous avez un fonds d\u2019urgence ou des \u00e9conomies accessibles pour couvrir la franchise, vous pourriez profiter des \u00e9conomies sans stress financier.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-que-faire-si-je-n-ai-pas-l-argent-pour-payer-ma-franchise-d-assurance\">Que faire si je n\u2019ai pas l\u2019argent pour payer ma franchise d\u2019assurance\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Si vous ne pouvez pas payer votre franchise, votre assureur risque de ne pas traiter votre r\u00e9clamation, vous laissant responsable des co\u00fbts. Certains assureurs permettent toutefois de payer la franchise en plusieurs versements, donc n\u2019h\u00e9sitez pas \u00e0 v\u00e9rifier si cette option est offerte. Si le montant de la r\u00e9clamation est proche du montant de votre franchise, vous pourriez aussi choisir de payer les frais vous-m\u00eame plut\u00f4t que de <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/reclamations-dassurance-auto\/\"><span style=\"font-weight: 400;\">faire une r\u00e9clamation<\/span><\/a><span style=\"font-weight: 400;\">. Cela pourrait vous \u00e9viter une augmentation de votre prime d\u2019assurance \u00e0 l\u2019avenir.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Lorsque vous souscrivez une assurance habitation ou automobile, vous devez choisir une franchise. Si vous ne comprenez pas bien son fonctionnement, vous pourriez vous retrouver dans une situation financi\u00e8re difficile sans le savoir. Pour vous aider \u00e0 prendre une d\u00e9cision \u00e9clair\u00e9e, cet article vous explique en d\u00e9tail les franchises d\u2019assurance&#8230;<\/p>\n","protected":false},"author":11,"featured_media":8084,"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-8765","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>Comment choisir entre une franchise plus \u00e9lev\u00e9e ou plus basse<\/title>\n<meta name=\"description\" content=\"En assurance, la franchise est la somme que vous devez payer avant que votre assureur ne couvre le reste des co\u00fbts admissibles.\" \/>\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\/franchise-d-assurance-plus-eleve-ou-plus-bas\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Franchises d\u2019assurance : vaut-il mieux choisir un montant plus \u00e9lev\u00e9 ou plus bas\u2009?\" \/>\n<meta property=\"og:description\" content=\"%\" \/>\n<meta property=\"og:url\" content=\"https:\/\/youset.ca\/fr\/blog\/franchise-d-assurance-plus-eleve-ou-plus-bas\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/yousetinsurance\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-02-06T05:01:08+00:00\" \/>\n<meta property=\"article:modified_time\" 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