APRIL Canada<\/a> et APRIL Marine Canada).<\/p>\n\u00ab Souvent nos courtiers partenaires re\u00e7oivent des propri\u00e9taires de bateaux qui h\u00e9sitent entre assurer leur embarcation via une police d\u2019assurance bateau ou l\u2019inclure dans leur police habitation. Pour plusieurs raisons, nous conseillons fortement d\u2019opter pour une police d\u2019assurance sp\u00e9cifique. \u00bb Anne-Marie, responsable souscription chez APRIL Marine.<\/p>\n
Avec une assurance habitation :<\/h2>\n
La raison la plus logique est qu\u2019une assurance habitation et une assurance maritime divergent en mati\u00e8re de couverture. Votre police d\u2019habitation peut contenir certaines limitations et les garanties incluses ne sont pas forc\u00e9ment adapt\u00e9es pour couvrir les risques li\u00e9s aux activit\u00e9s maritimes telles que\u00a0:<\/p>\n
– Le sauvetage du bateau
\n– L\u2019enl\u00e8vement de l\u2019\u00e9pave
\n– La d\u00e9pollution ou les dommages environnementaux<\/p>\n
De plus, en cas de sinistre le r\u00e8glement peut lui aussi vous porter pr\u00e9judice avec certains contrats d\u2019assurance habitation. Effectivement, la plupart des polices d\u2019assurance habitation pour les bateaux pr\u00e9voient un r\u00e8glement sur la base de la valeur r\u00e9elle au jour du sinistre moins la d\u00e9pr\u00e9ciation. Sachez que les r\u00e9clamations et sinistres en rapport avec votre bateau interf\u00e8reront et seront comptabilis\u00e9s sur l\u2019ensemble de votre police habitation. Ce qui se traduit dans la majorit\u00e9 des cas par une augmentation notable de votre prime d\u2019assurance et de votre franchise habitation.<\/p>\n
Avec une assurance maritime :<\/h2>\n
Ce choix est pr\u00e9f\u00e9rable, car la police d\u2019assurance maritime vous offrira une couverture plus compl\u00e8te et adapt\u00e9e aux risques li\u00e9s aux activit\u00e9s maritimes. Elle couvrira notamment le travail de sauvetage du bateau, l\u2019enl\u00e8vement de l\u2019\u00e9pave, la d\u00e9pollution et bien d\u2019autres couvertures.<\/p>\n
Sachez que la couverture en Responsabilit\u00e9 civile est plus \u00e9lev\u00e9e que sur une police habitation. Cet \u00e9l\u00e9ment est crucial, car la plupart des marinas au Qu\u00e9bec, exigent une couverture en Responsabilit\u00e9 civile de 2 millions tandis que sur une police habitation celle-ci exc\u00e8de rarement 1 million.<\/p>\n
Les activit\u00e9s maritimes pr\u00e9sentent vraisemblablement des risques sp\u00e9cifiques, il est donc plus sage et judicieux d\u2019opter pour une assurance sp\u00e9cifique.<\/p>\n
<\/p>\n","protected":false},"excerpt":{"rendered":"
Votre bateau est il mieux prot\u00e9g\u00e9 sur votre police habitation? Nous avons pos\u00e9 cette question \u00e0 l\u2019\u00e9quipe de souscription du groupe APRIL.<\/p>\n","protected":false},"author":5,"featured_media":4497,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[40],"tags":[],"class_list":["post-4456","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurances"],"yoast_head":"\n
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