Changer ou adapter ses contrats d\u2019assurance peut sembler fastidieux\u2026 mais c\u2019est souvent une d\u00e9cision strat\u00e9gique. <\/p>\n\n\n\n
Trop de particuliers et d\u2019entreprises reconduisent automatiquement leurs assurances, sans se demander si les conditions sont encore adapt\u00e9es \u00e0 leur situation.\u00a0<\/p>\n\n\n\n
Chez Novassurance, nous pensons que l\u2019assurance ne doit jamais \u00eatre une d\u00e9pense fig\u00e9e. Elle doit \u00e9voluer avec vos besoins. Voici comment identifier le bon moment pour agir, et surtout comment le faire sans risque. <\/p>\n\n\n\n
Il n\u2019existe pas de p\u00e9riode id\u00e9ale pour revoir ses contrats. En revanche, certains \u00e9v\u00e9nements doivent vous alerter :\u00a0<\/p>\n\n\n\n
\u2013 Changement de situation personnelle ou professionnelle\u00a0
\u2013 Nouvel emploi, d\u00e9m\u00e9nagement, mariage ou divorce\u00a0
\u2013 Acquisition ou vente d\u2019un bien\u00a0
\u2013 Modification de statut (ind\u00e9pendant, retrait\u00e9, etc.)\u00a0<\/p>\n\n\n\n
Notre conseil <\/strong>: d\u00e8s qu\u2019un changement impacte votre quotidien ou vos responsabilit\u00e9s, demandez un \u00e9tat des lieux de vos assurances. Ne restez pas sur des garanties obsol\u00e8tes. <\/p>\n\n\n\n Chaque contrat d\u2019assurance est encadr\u00e9 par des conditions de r\u00e9siliation sp\u00e9cifiques, souvent fix\u00e9es \u00e0 30 jours avant l\u2019\u00e9ch\u00e9ance annuelle. <\/p>\n\n\n\n Certains contrats (comme l\u2019assurance maladie de base en Suisse) ne peuvent \u00eatre r\u00e9sili\u00e9s qu\u2019une fois par an, \u00e0 condition de respecter les d\u00e9lais.\u00a0<\/p>\n\n\n\n Notre conseil <\/strong>: relisez vos conditions g\u00e9n\u00e9rales ou contactez votre assureur pour conna\u00eetre la prochaine \u00e9ch\u00e9ance possible. L\u2019assureur refusera automatiquement toute r\u00e9siliation hors d\u00e9lai.<\/p>\n\n\n\n Ren\u00e9gocier ne signifie pas forc\u00e9ment changer d\u2019assureur. Parfois, une simple mise \u00e0 jour du contrat existant peut suffire \u00e0 baisser les primes ou renforcer les garanties.<\/p>\n\n\n\n Le march\u00e9 \u00e9volue chaque ann\u00e9e : ce qui \u00e9tait comp\u00e9titif il y a 3 ans ne l\u2019est peut-\u00eatre plus aujourd\u2019hui.\u00a0<\/p>\n\n\n\n Notre conseil <\/strong>: faites un comparatif neutre sur les prix, les franchises et les exclusions. Si votre assureur actuel peut s\u2019aligner, vous gagnez sans avoir \u00e0 changer. <\/p>\n\n\n\n Les offres tr\u00e8s attractives peuvent cacher des failles : exclusions nombreuses, frais de dossier, faible r\u00e9activit\u00e9 en cas de sinistre. <\/p>\n\n\n\n Une \u00e9conomie annuelle peut se transformer en perte importante si la couverture est inadapt\u00e9e.\u00a0<\/p>\n\n\n\n Notre conseil <\/strong>: ne regardez pas seulement le prix. Analysez la qualit\u00e9 du service client, les d\u00e9lais de remboursement, et les garanties sp\u00e9cifiques \u00e0 votre profil (mobilit\u00e9, activit\u00e9 professionnelle, sant\u00e9). <\/p>\n\n\n\n Les d\u00e9marches de r\u00e9siliation ou de ren\u00e9gociation peuvent sembler complexes, surtout lorsqu\u2019il y a plusieurs contrats (auto, habitation, maladie, LPP, RC entreprise\u2026). Un professionnel peut vous aider \u00e0 centraliser, comparer et adapter sans stress. <\/p>\n\n\n\n Notre conseil <\/strong>: faites-vous accompagner pour gagner en clart\u00e9. Un bon conseiller conna\u00eet les subtilit\u00e9s du march\u00e9 et agit dans votre int\u00e9r\u00eat, pas celui des compagnies.<\/p>\n\n\n\n Vos assurances ne doivent pas \u00eatre subies. Elles doivent prot\u00e9ger ce qui compte pour vous, sans alourdir inutilement votre budget. En prenant le temps de revoir vos contrats, vous pouvez souvent \u00e9conomiser, renforcer votre couverture\u2026 et \u00e9viter les mauvaises surprises. <\/p>\n\n\n\n Chez Novassurance, nous vous aidons \u00e0 y voir plus clair et \u00e0 faire les bons choix, au bon moment. <\/p>\n\n\n\n Vous envisagez une r\u00e9siliation ou une ren\u00e9gociation ? Contactez-nous pour un diagnostic personnalis\u00e9, sans engagement. <\/p>\n\n\n\n \ud83d\udce7 info@novassurance.ch<\/a>\u00a0 <\/p>","protected":false},"excerpt":{"rendered":" Changer ou adapter ses contrats d\u2019assurance peut sembler fastidieux\u2026 mais c\u2019est souvent une d\u00e9cision strat\u00e9gique. Trop de particuliers et d\u2019entreprises reconduisent automatiquement leurs assurances, sans se demander si les conditions sont encore adapt\u00e9es \u00e0 leur situation.\u00a0 Chez Novassurance, nous pensons que l\u2019assurance ne doit jamais \u00eatre une d\u00e9pense fig\u00e9e. Elle doit \u00e9voluer avec vos besoins. […]<\/p>","protected":false},"author":4,"featured_media":31306,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"none","_seopress_titles_title":"R\u00e9siliation assurance : quand et comment bien agir | Novassurance","_seopress_titles_desc":"R\u00e9siliation assurance : d\u00e9couvrez quand agir, comment ren\u00e9gocier vos contrats, et \u00e9viter les erreurs les plus fr\u00e9quentes.","_seopress_robots_index":"","_eb_attr":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-31302","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"rttpg_featured_image_url":{"full":["https:\/\/novassurance.ch\/wp-content\/uploads\/2025\/07\/happy-young-asian-couple-realtor-agent-scaled.jpg",2560,1707,false],"landscape":["https:\/\/novassurance.ch\/wp-content\/uploads\/2025\/07\/happy-young-asian-couple-realtor-agent-scaled.jpg",2560,1707,false],"portraits":["https:\/\/novassurance.ch\/wp-content\/uploads\/2025\/07\/happy-young-asian-couple-realtor-agent-scaled.jpg",2560,1707,false],"thumbnail":["https:\/\/novassurance.ch\/wp-content\/uploads\/2025\/07\/happy-young-asian-couple-realtor-agent-150x150.jpg",150,150,true],"medium":["https:\/\/novassurance.ch\/wp-content\/uploads\/2025\/07\/happy-young-asian-couple-realtor-agent-300x200.jpg",300,200,true],"large":["https:\/\/novassurance.ch\/wp-content\/uploads\/2025\/07\/happy-young-asian-couple-realtor-agent-1024x683.jpg",1024,683,true],"1536x1536":["https:\/\/novassurance.ch\/wp-content\/uploads\/2025\/07\/happy-young-asian-couple-realtor-agent-1536x1024.jpg",1536,1024,true],"2048x2048":["https:\/\/novassurance.ch\/wp-content\/uploads\/2025\/07\/happy-young-asian-couple-realtor-agent-2048x1365.jpg",2048,1365,true],"trp-custom-language-flag":["https:\/\/novassurance.ch\/wp-content\/uploads\/2025\/07\/happy-young-asian-couple-realtor-agent-18x12.jpg",18,12,true]},"rttpg_author":{"display_name":"Awa","author_link":"https:\/\/novassurance.ch\/en\/author\/awa\/"},"rttpg_comment":0,"rttpg_category":"Uncategorized<\/a>","rttpg_excerpt":"Changer ou adapter ses contrats d\u2019assurance peut sembler fastidieux\u2026 mais c\u2019est souvent une d\u00e9cision strat\u00e9gique. Trop de particuliers et d\u2019entreprises reconduisent automatiquement leurs assurances, sans se demander si les conditions sont encore adapt\u00e9es \u00e0 leur situation.\u00a0 Chez Novassurance, nous pensons que l\u2019assurance ne doit jamais \u00eatre une d\u00e9pense fig\u00e9e. Elle doit \u00e9voluer avec vos besoins.…","_links":{"self":[{"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/posts\/31302","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/comments?post=31302"}],"version-history":[{"count":3,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/posts\/31302\/revisions"}],"predecessor-version":[{"id":32165,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/posts\/31302\/revisions\/32165"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/media\/31306"}],"wp:attachment":[{"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/media?parent=31302"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/categories?post=31302"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/tags?post=31302"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}2. Savoir lire les d\u00e9lais de r\u00e9siliation<\/strong>\u00a0<\/h4>\n\n\n\n
3. Comparer ne veut pas dire basculer \u00e0 tout prix<\/strong>\u00a0<\/h4>\n\n\n\n
4. Attention aux pi\u00e8ges de la ren\u00e9gociation \u00ab low cost \u00bb<\/strong>\u00a0<\/h4>\n\n\n\n
5. S\u2019appuyer sur un courtier ou un conseiller neutre<\/strong>\u00a0<\/h4>\n\n\n\n
Revoir ses assurances, c\u2019est reprendre le contr\u00f4le<\/strong>\u00a0<\/h4>\n\n\n\n
\ud83c\udf10 www.novassurance.ch<\/a>\u00a0<\/p>\n\n\n\n