{"id":780,"date":"2026-05-31T08:00:23","date_gmt":"2026-05-31T06:00:23","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/actualites\/?p=780"},"modified":"2026-05-31T10:05:01","modified_gmt":"2026-05-31T08:05:01","slug":"assurance-37-des-francais-decouvrent-trop-tard-qu-ils-sont-mal-couverts","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/assurance-37-des-francais-decouvrent-trop-tard-qu-ils-sont-mal-couverts","title":{"rendered":"Assurance : 37% des Fran\u00e7ais d\u00e9couvrent trop tard qu’ils sont mal couverts"},"content":{"rendered":"

Et si votre assurance vous rassurait plus qu\u2019elle ne vous couvrait vraiment ? Selon une \u00e9tude men\u00e9e par le comparateur en ligne lesfurets avec CSA Research(*)<\/sup><\/em>, publi\u00e9e le 26 mai 2026, 86% des Fran\u00e7ais estiment \u00eatre bien prot\u00e9g\u00e9s par leurs contrats auto, habitation ou sant\u00e9. Ce sentiment de s\u00e9curit\u00e9 est encore plus marqu\u00e9 chez les seniors, dont 90% se disent bien pr\u00e9munis face au risque.<\/p>\n

<\/span>Des assur\u00e9s qui connaissent mal leurs garanties<\/span><\/h2>\n

Derri\u00e8re cette confiance affich\u00e9e, la r\u00e9alit\u00e9 est pourtant plus floue. Pr\u00e8s d\u2019un quart des sond\u00e9s (23%) reconnaissent ne pas vraiment conna\u00eetre la couverture exacte de leurs contrats. Ce taux grimpe \u00e0 32% chez les 35-49 ans, une tranche d\u2019\u00e2ge souvent concern\u00e9e par plusieurs assurances \u00e0 la fois (auto, habitation, sant\u00e9, emprunt immobilier).<\/p>\n

Cette m\u00e9connaissance tient aussi \u00e0 la complexit\u00e9 des contrats. Pr\u00e8s d\u2019un Fran\u00e7ais sur deux (47%) les juge difficiles \u00e0 comprendre. Les 35-49 ans sont les plus critiques\u00a0: 58% d\u2019entre eux consid\u00e8rent leurs assurances trop complexes. Le constat est presque aussi marqu\u00e9 chez les 50-64 ans, \u00e0 56%.<\/p>\n

<\/span>61% n’ont jamais lu leurs conditions g\u00e9n\u00e9rales en d\u00e9tail<\/span><\/h2>\n

Surtout, pr\u00e8s des deux-tiers des personnes questionn\u00e9es (61%) reconnaissent ne jamais avoir lu les conditions g\u00e9n\u00e9rales de vente (CGV) de leurs contrats d\u2019assurance\u00a0de mani\u00e8re approfondie. Or, c\u2019est pr\u00e9cis\u00e9ment dans ces documents que figurent les exclusions, les plafonds d\u2019indemnisation ou encore les franchises qui peuvent limiter fortement le remboursement.<\/p>\n

R\u00e9sultat\u00a0: le d\u00e9calage entre ce que les assur\u00e9s pensent avoir souscrit et ce que leur contrat pr\u00e9voit r\u00e9ellement appara\u00eet au pire moment. Toujours selon l\u2019enqu\u00eate, plus d\u2019un r\u00e9pondant sur trois (37%) a d\u00e9j\u00e0 d\u00e9couvert, apr\u00e8s un sinistre, qu\u2019il n\u2019\u00e9tait finalement pas indemnis\u00e9 comme il l\u2019imaginait. L\u00e0 encore, les 35-49 ans sont les plus touch\u00e9s, avec 43% de m\u00e9saventures d\u00e9clar\u00e9es.<\/p>\n

<\/span>Comparer pour \u00e9viter les mauvaises surprises<\/span><\/h2>\n

Pour \u00e9viter ces d\u00e9convenues financi\u00e8res, lesfurets recommande de comparer r\u00e9guli\u00e8rement les offres, de v\u00e9rifier les garanties incluses et d’ajuster ses contrats \u00e0 ses besoins r\u00e9els, au lieu d\u2019attendre qu\u2019un incident r\u00e9v\u00e8le les limites de sa protection.<\/p>\n

Le comparateur rappelle aussi qu\u2019un changement d\u2019assurance peut g\u00e9n\u00e9rer des \u00e9conomies importantes : jusqu\u2019\u00e0 396 euros par an en moyenne sur l\u2019assurance auto, 416 euros sur la compl\u00e9mentaire sant\u00e9 et jusqu\u2019\u00e0 480 euros sur l\u2019assurance habitation.<\/p>\n

(*) <\/sup>M\u00e9thodologie : \u00e9tude r\u00e9alis\u00e9e en ligne par CSA Research pour lesfurets du 24 au 26 mars 2026 aupr\u00e8s d\u2019un \u00e9chantillon repr\u00e9sentatif de 1 011 Fran\u00e7ais \u00e2g\u00e9s de 18 ans et plus.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Selon une \u00e9tude men\u00e9e par le comparateur lesfurets, plus d\u2019un assur\u00e9 sur trois a d\u00e9j\u00e0 constat\u00e9, lors d’un sinistre, que son contrat le prot\u00e9geait moins bien qu\u2019il ne le pensait.<\/p>\n","protected":false},"author":13719,"featured_media":783,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-780","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une"],"acf":[],"yoast_head":"\nAssurance : 37% des Fran\u00e7ais d\u00e9couvrent trop tard qu'ils sont mal couverts<\/title>\n<meta name=\"description\" content=\"37% des Fran\u00e7ais ont d\u00e9j\u00e0 d\u00e9couvert, apr\u00e8s un sinistre, qu'ils \u00e9taient moins bien indemnis\u00e9s que pr\u00e9vu, selon le comparateur lesfurets.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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