{"id":14791,"date":"2023-02-08T16:40:42","date_gmt":"2023-02-08T15:40:42","guid":{"rendered":"https:\/\/leocare.eu\/fr\/?p=14791"},"modified":"2026-02-01T23:36:24","modified_gmt":"2026-02-01T22:36:24","slug":"concubinage-assurance","status":"publish","type":"post","link":"https:\/\/leocare.eu\/fr\/blog\/concubinage-assurance\/","title":{"rendered":"Concubinage : faut-il le dire \u00e0 son assurance ?"},"content":{"rendered":"\n

L\u2019amour souffle sur le foyer \ud83d\ude0d : vous \u00eates en concubinage. Maintenant que votre moiti\u00e9 vient de poser ses bagages chez vous, il est temps de mutualiser les co\u00fbts : abonnement internet, \u00e9lectricit\u00e9 et m\u00eame assurance \ud83d\udcf1 ! Mais une question subsiste : faut-il d\u00e9clarer un conducteur secondaire<\/a> \u00e0 son assurance qu\u2019on est en concubinage ? R\u00e9ponses. \ud83d\udc47<\/em><\/p>\n\n\n\n

Oui, tout changement m\u00e9rite annonce !<\/h2>\n\n\n\n

L’article L113-2 du Code des assurances est clair, l\u2019assur\u00e9 est oblig\u00e9 \u201cde d\u00e9clarer, en cours de contrat, les circonstances nouvelles qui ont pour cons\u00e9quence soit d’aggraver les risques, soit d’en cr\u00e9er de nouveaux\u201d. \ud83e\udd13<\/em><\/p>\n\n\n\n

L’assurance habitation<\/a> joue un r\u00f4le essentiel dans la protection de votre logement et de ses occupants. Contrairement \u00e0 certaines id\u00e9es re\u00e7ues, le concubinage n’augmente pas le co\u00fbt de cette assurance. Elle couvre les dommages caus\u00e9s par les personnes vivant dans le m\u00eame foyer,<\/strong> \u00e0 condition que le nouvel occupant ne poss\u00e8de pas de biens de grande valeur. <\/p>\n\n\n\n

Il est important de noter que l’assurance habitation couvre par d\u00e9faut plusieurs personnes<\/strong> habitant sous le m\u00eame toit, contrairement \u00e0 l’assurance auto qui assure une personne nominativement. Cela permet des \u00e9conomies sur la cotisation, sans compromettre la couverture. Les diff\u00e9rentes compagnies d’assurances proposent diverses options pour r\u00e9pondre aux besoins sp\u00e9cifiques de chaque foyer.<\/p>\n\n\n\n

Si votre amoureux poss\u00e8de des biens mobiliers de valeur, il faudra opter pour une garantie valeur mobili\u00e8re plus \u00e9lev\u00e9e sur votre contrat d\u2019assurance habitation.<\/strong><\/p>\n\n\n\n

\"icon

Bon \u00e0 savoir<\/h3><\/div>
\n

Bien que le concubinage soit une \u00e9tape joyeuse, la vie impose parfois des \u00e9preuves plus complexes qui n\u00e9cessitent de conna\u00eetre les d\u00e9marches d’assurance voiture apr\u00e8s un d\u00e9c\u00e8s<\/a><\/strong>, notamment pour savoir si le conjoint survivant peut conserver le contrat au nom du d\u00e9funt ou s’il doit souscrire une nouvelle police.<\/p>\n<\/div><\/section>\n\n\n\n

\"concubinage<\/figure>\n\n\n\n

Et pour \u00eatre couvert, il faut d\u00e9clarer toutes les personnes habitant dans le logement, y compris votre concubin !<\/p>\n\n\n\n

15 jours pour nous pr\u00e9venir<\/h2>\n\n\n\n

Comme tout changement, vous disposez d\u2019un d\u00e9lai de 15 jours pour nous informer du changement de votre situation : concubinage, PACS, mariage\u2026<\/strong> vous avez deux possibilit\u00e9s pour nous avertir :<\/p>\n\n\n\n

    \n
  • Ajouter directement votre concubin dans l’application en vous rendant sur votre contrat<\/li>\n\n\n\n
  • Nous laisser un message sur le chat de l\u2019application avec la pi\u00e8ce d\u2019identit\u00e9 de votre concubin et nous l\u2019ajouterons \u00e0 votre contrat d\u2019habitation !<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"

    L\u2019amour souffle sur le foyer \ud83d\ude0d : vous \u00eates en concubinage. Maintenant que votre moiti\u00e9 vient de poser ses bagages chez vous, il est temps de mutualiser les co\u00fbts : abonnement internet, \u00e9lectricit\u00e9 et m\u00eame assurance \ud83d\udcf1 ! Mais une question subsiste : faut-il d\u00e9clarer un conducteur secondaire \u00e0 son assurance qu\u2019on est en concubinage […]<\/p>\n","protected":false},"author":44,"featured_media":14794,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[24],"tags":[],"class_list":["post-14791","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-habitation"],"acf":[],"yoast_head":"\nConcubinage : faut-il le dire \u00e0 son assurance ?<\/title>\n<meta name=\"description\" content=\"Comprenez l'impact du concubinage sur votre assurance. 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