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Assurance pour le compte de qui il appartiendra : Gestion quotidienne


Assurance pour le compte de qui il appartiendra

Toute la gestion au quotidien de nos gîtes, chambres d'hôtes et locations de vacances.

Re: Assurance pour le compte de qui il appartiendra

Messagepar Julie » 17 Avril 2017, 19:03

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Re: Assurance pour le compte de qui il appartiendra

Messagepar locker » 17 Avril 2017, 23:14

L'explicatif est très clair mais le lien nous renvoie vers une assurance annulation ?

Visiblement le fonctionnement de cet assureur n'a pas changé : sa garantie vient en plus d'une multi risque habitation qu'il faut toujours souscrire auprès d'une autre compagnie... D'où un grand risque de collusion en cas de pépin, car les deux assurances pourraient se renvoyer la balle. Il est annoncé que l'assurance multi risque habitation est a venir prochainement.

Ici après un très bon contact grace a "Grange" j'ai finalement renoncé car une assurance professionnelle délaisse aussi le coté habitation, ce qui ne me convenait pas, et il y a énormément de clauses complexes et opaques dans un contrat pro et l'assureur refusait d'éclaircir sa position par écrit autour de certains termes imprécis.
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Re: Assurance pour le compte de qui il appartiendra

Messagepar Julie » 18 Avril 2017, 10:26

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Re: Assurance pour le compte de qui il appartiendra

Messagepar locker » 18 Avril 2017, 16:54

Je pense que c'est une bonne option mais je préfère attendre que l'assurance en question puisse faire aussi multi risque habitation. Visiblement c'est pour bientot.

Sinon je me pose la question : ces "petits" assureurs ont ils les reins aussi solides que les grosses franchises en cas de pépin ?
Exemple une maison brule et la reconstruction est estimée a 500.000€, comment peuvent ils indemniser ?
Ils cotisent auprès d'un fond de garantie commun ?
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Re: Assurance pour le compte de qui il appartiendra

Messagepar Julie » 19 Avril 2017, 17:18

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Re: Assurance pour le compte de qui il appartiendra

Messagepar locker » 20 Avril 2017, 21:01

:rouge:
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Re: Assurance pour le compte de qui il appartiendra

Messagepar Chalet » 04 Mai 2017, 14:23

Pour être précis, une compagnie d'assurance n'est pas "encadrée et contrôlée directement par le Ministère des finances", ni directement, ni par le Ministère. C'est simplificateur mais abusif.
Une compagnie d'assurance est contrôlée par l'ACPR (Autorité de contrôle prudentiel et de résolution), qui est une entité dépendant de la Banque de France. La Banque de France est elle-même indépendante du Ministère des Finances. Elle dépend de la Banque Centrale Européenne, même si son "Gouverneur" est nommé par le Président de la République.
Enfin, il faut distinguer l'Assureur (qui "porte" le risque) et le courtier (qui distribue le produit couvrant le risque). Homeassur est un courtier, donc inscrit (et contrôlé) par l'Orias (Registre unique des intermédiaires en assurance, banque et finance), qui impose notamment un certain niveau de formation. Le courtier doit avoir une garantie financière qui vous assure que les cotisations que vous lui versez iront bien chez l'assureur, même si le courtier a des problèmes financiers ou disparaît.
Dans le cas des produits présentés, tout est OK : Homeassur est bien à l'Orias (c'est une marque de Liger Assistance Tourisme) et bénéficie d'une garantie financière.
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Re: Assurance pour le compte de qui il appartiendra

Messagepar locker » 04 Mai 2017, 18:49

Nous sommes toujours dans l'attente d'un pack avec multi risque habitation, en espérant qu'il soit compétitif, car je ne veux pas multiplier les intervenants.

En attendant, je croise les doigts car avec ma multi risque habitation actuelle, bien que je leur ai signalé notre activité, en cas de souci je pense etre très mal couvert.
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Re: Assurance pour le compte de qui il appartiendra

Messagepar dcap06 » 09 Janvier 2018, 16:37

Bonjour,

J'ai lu avec beaucoup d'intérêt ce fil de discussion. Je suis également à la recherche d'une assurance "pour le compte de qui il appartiendra" pour un studio meublé que je loue à la semaine. Je demande habituellement à mes locataire une attestation villégiature mais cela est parfois compliqué à obtenir de leur part.
Depuis le dernier post datant de mai 2017, y a t-il eu des évolutions de ce côté ?
Quelqu'un a t-il pu trouver un assureur proposant un tel contrat ?

Merci à tous pour vos retours.
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