Assurances auto, les nouvelles formules

Assurances auto, les nouvelles formules

Les jours du contrat d’assurance auto à deux vitesses (au tiers ou tous risques) pourraient bien être comptés. En effet, pour faire face aux nouveaux modes d’utilisation de la voiture, les assureurs rivalisent d’ingéniosité pour proposer de nouveaux produits.

Nouveaux besoins, nouveaux contrats

Obligatoire, en France, depuis 1958, l’assurance automobile a longtemps été commercialisée sous seulement deux formes : les contrats au tiers (le minimum légalement obligatoire, qui couvre les dégâts occasionnés aux adversaires de l’assuré) et les tous risques (qui inclut les dommages du conducteur responsable, le vol, l’incendie…). Au fil des années, les assureurs y ont ajouté des possibilités d’options, tels que le fait d’ajouter le vol à une formule au tiers, ou encore l’assistance dépannage à une police tous risques. Mais rien de bouleversant.

A l’époque où la majorité des foyers avait une voiture dont ils se servaient quotidiennement, ces deux possibilités étaient suffisantes. Mais, au fil des années, les habitudes des automobilistes ont changé : moins de kilomètres, des voitures qui restent des jours, voire des semaines, sans rouler… autant d’évolutions qui rendent le paiement d’une prime très peu personnalisé désuet.

Sous la pression de leurs clients, et de leurs concurrents, les compagnies traditionnelles et les mutuelles ont donc rivalisé d’ingéniosité pour adapter leurs contrats. Avec un but précis : faire payer le juste prix à chaque client.

Rouler moins, donc payer moins

Les contrats classiques d’assurance auto ne font aucunement mention du kilométrage. Pourtant, un automobiliste qui parcourt 5 000 km par an a potentiellement moins de risques d’être victime d’un accident qu’un autre qui roulerait quatre fois plus. Une déduction logique à laquelle sont parvenus presque tous les acteurs de ce marché. Ainsi, suivant les compagnies, il est facile de trouver des formules « moins de 10 000 km/an », « moins de 8 000 km/an » voire, pour certains « moins de 5 000 km/an ». Attention, les distances annoncées sont contraignantes. Même si une certaine tolérance est généralement de mise, votre assureur, s’il parvient à prouver que vous rouliez beaucoup plus que ce que votre contrat prévoit, pourra réduire significativement, voire supprimer totalement, vos garanties en cas de sinistre. Avant de vous engager pour ce type de police, faites la comparaison avec le contrat standard. Devoir limiter ses déplacement, d’accord, mais à condition que le jeu en vaille la chandelle, c’est-à-dire, ici, que la réduction accordée soit suffisamment conséquente ; C’est loin d’être systématiquement le cas.

Autre solution, rendue possible par la technologie : le « Pay when you drive ». Soit, en français, « payer lorsque vous conduisez ». Avec ces formules, impossible de savoir précisément ce que vous coutera, après une année, votre assurance auto, puisque votre contrat ne stipule qu’un abonnement mensuel de quelques dizaines d’euros (20 à 30 € en moyenne) et le coût de votre temps de conduite. Selon les compagnies, il s’agit soit d’une facturation au kilomètre, soit d’un paiement à la journée. Rassurez-vous, il n’y a pas besoin de faire des déclarations très précises à votre assureur à chaque fois que vous devez utiliser votre voiture. Un récepteur Bluetooth sera installé à bord de votre voiture et devra être connecté avec votre smartphone. Ce dernier devra avoir les fonctions GPS et Bluetooth connectées en permanence. C’est ensuite la combinaison de ces deux équipements qui préviendra l’assureur des moments où vous avez utilisé votre auto, et déclenchera la facturation en conséquence.

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