{"id":9634,"date":"2024-07-04T04:55:13","date_gmt":"2024-07-04T04:55:13","guid":{"rendered":"https:\/\/www.ardenneprevoyante.be\/?page_id=9634"},"modified":"2024-07-04T05:10:11","modified_gmt":"2024-07-04T05:10:11","slug":"evolution-produits-habitation","status":"publish","type":"page","link":"https:\/\/www.ardenneprevoyante.be\/fr\/evolution-produits-habitation\/","title":{"rendered":"Evolution Produits Habitation"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"9634\" class=\"elementor elementor-9634\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58c20718 e-con-full e-flex e-con e-parent\" data-id=\"58c20718\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5cf6bb96 e-flex e-con-boxed e-con e-child\" data-id=\"5cf6bb96\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1b983c97 e-con-full e-flex e-con e-child\" data-id=\"1b983c97\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7dafbe9c elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"7dafbe9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.ardenneprevoyante.be\/fr\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"19\" height=\"16\" viewBox=\"0 0 19 16\" fill=\"none\"><path d=\"M18.3356 7.55181L11.0995 0.634263C10.6753 0.22873 10.0998 0 9.49968 0C8.89958 0 8.32406 0.227494 7.89985 0.634263L0.662497 7.55181C-0.220832 8.39626 -0.220832 9.76617 0.662497 10.6119C1.27811 11.2004 2.15756 11.3772 2.93484 11.1472V16H7.53255V10.6922H11.4655V16H16.0632V11.1472C16.2818 11.2115 16.5081 11.2461 16.7357 11.2461C17.3151 11.2461 17.8945 11.0347 18.3356 10.6119C19.2189 9.76741 19.2189 8.3975 18.3356 7.55181Z\" fill=\"#ABABAB\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"9\" height=\"14\" viewBox=\"0 0 9 14\" fill=\"none\"><path d=\"M1 13L7 7L0.999999 1\" stroke=\"#ABABAB\" stroke-width=\"2\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u00c9volution des produits<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4842b7b2 e-flex e-con-boxed e-con e-child\" data-id=\"4842b7b2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7a2c7d35 e-con-full e-flex e-con e-child\" data-id=\"7a2c7d35\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41c3f1c elementor-widget elementor-widget-heading\" data-id=\"41c3f1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Nouvel environnement informatique<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58d2f509 elementor-widget elementor-widget-heading\" data-id=\"58d2f509\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">\u00c9volution produits habitation<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa930ba elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3aa930ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Aper\u00e7u des principaux changements aux produits d&rsquo;assurances habitation, en comparant l&rsquo;ancienne gamme avec la nouvelle gamme de produits L&rsquo;Ardenne Pr\u00e9voyante. Pour plus d&rsquo;informations, veuillez vous r\u00e9f\u00e9rer aux <a href=\"https:\/\/www.ardenneprevoyante.be\/conditions-generales\/\"><u>conditions g\u00e9n\u00e9rales<\/u><\/a>.<\/p><p>Si vous souhaitez davantage d&rsquo;informations techniques, n&rsquo;h\u00e9sitez pas \u00e0 prendre connaissance des conditions g\u00e9n\u00e9rales et des fiches produit que vous retrouverez facilement sur ce site. Et s&rsquo;il vous restait une question sans r\u00e9ponse, vous pouvez \u00e9galement contacter votre courtier en assurances.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3cd4de6b e-flex e-con-boxed e-con e-parent\" data-id=\"3cd4de6b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-42605ea5 e-con-full e-flex e-con e-child\" data-id=\"42605ea5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6cf0e5ff elementor-widget elementor-widget-heading\" data-id=\"6cf0e5ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1. G\u00e9n\u00e9ralit\u00e9s<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad19792 elementor-widget elementor-widget-text-editor\" data-id=\"ad19792\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Principe de r\u00e9partition des risques<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a69d935 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5a69d935\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Un contrat couvre une habitation. Par exemple : 2 maisons mitoyennes appartenant au m\u00eame preneur = 2 contrats<\/p><p>Toutes les \u00ab\u00a0constructions\u00a0\u00bb li\u00e9es \u00e0 votre habitation sont reprises dans un seul contrat, le cas \u00e9ch\u00e9ant avec une couverture optionnelle. Par exemple :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-102b2a6a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"102b2a6a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Les&nbsp;<b>carports et les garages<\/b>, \u00e0 l\u2019adresse ou ailleurs en Belgique, sont assur\u00e9s d\u2019office dans le contrat de l'habitation principale sans mention particuli\u00e8re s\u2019ils sont \u00e0 usage personnel.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Les annexes<\/b> sont toutes int\u00e9gr\u00e9es dans le contrat de l\u2019habitation soit d\u2019office sans mention particuli\u00e8re, soit par une option (voir \u00ab les options \u00bb ci-dessous).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33fd1655 elementor-widget elementor-widget-spacer\" data-id=\"33fd1655\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1793544f elementor-widget elementor-widget-text-editor\" data-id=\"1793544f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00c9volution des g\u00e9n\u00e9rations de produits<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-28d312a7 e-con-full e-flex e-con e-child\" data-id=\"28d312a7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4e322d1c e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"4e322d1c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3cfe4c85 e-con-full e-flex e-con e-child\" data-id=\"3cfe4c85\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4341ca58 elementor-widget elementor-widget-heading\" data-id=\"4341ca58\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Ancien environnement<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-285f459e e-con-full e-flex e-con e-child\" data-id=\"285f459e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-69a16a0a elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"69a16a0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Nouvel environnement AP<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3c24a42e e-con-full e-flex e-con e-child\" data-id=\"3c24a42e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-4f343a8a e-con-full e-flex e-con e-child\" data-id=\"4f343a8a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-22b37052 elementor-widget__width-initial elementor-widget-mobile_extra__width-initial elementor-widget-mobile__width-inherit elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet_extra elementor-hidden-tablet elementor-hidden-mobile_extra elementor-widget elementor-widget-text-editor\" data-id=\"22b37052\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col-span-6 mt-3 px-3 text-gray-5\">Ancien environnement:<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2fde0f9f elementor-widget__width-initial elementor-widget-mobile_extra__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"2fde0f9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Globale Habitation<br \/>Optimalia<br \/>Essentiel<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5583be99 elementor-hidden-mobile elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"5583be99\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"31\" height=\"16\" viewBox=\"0 0 31 16\" fill=\"none\"><path d=\"M30.7071 8.70711C31.0976 8.31658 31.0976 7.68342 30.7071 7.29289L24.3431 0.928932C23.9526 0.538408 23.3195 0.538408 22.9289 0.928932C22.5384 1.31946 22.5384 1.95262 22.9289 2.34315L28.5858 8L22.9289 13.6569C22.5384 14.0474 22.5384 14.6805 22.9289 15.0711C23.3195 15.4616 23.9526 15.4616 24.3431 15.0711L30.7071 8.70711ZM0 9H30V7H0V9Z\" fill=\"#96C03D\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-26853428 e-con-full e-flex e-con e-child\" data-id=\"26853428\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-70371692 elementor-widget__width-initial elementor-widget-mobile_extra__width-initial elementor-widget-mobile__width-inherit elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet_extra elementor-hidden-tablet elementor-hidden-mobile_extra elementor-widget elementor-widget-text-editor\" data-id=\"70371692\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col-span-6 mt-3 px-3 text-gray-5\">Nouvel environnement AP:<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65a2b4c7 elementor-widget elementor-widget-text-editor\" data-id=\"65a2b4c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Confort Habitation Start 1 unit\u00e9 *<br \/>Confort Sp\u00e9cial Habitation Buildimo (&gt; 1 unit\u00e9 *)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-59eccd9c e-con-full e-flex e-con e-child\" data-id=\"59eccd9c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4a118c9d elementor-widget elementor-widget-heading\" data-id=\"4a118c9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Exceptions<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-652f066c e-flex e-con-boxed e-con e-child\" data-id=\"652f066c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a1ddfe4 elementor-widget__width-initial elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6a1ddfe4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-308c9cba elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"308c9cba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>En cas de pr\u00e9sence connue de\u00a0<strong>panneaux solaires<\/strong>\u00a0ou d&rsquo;une\u00a0<strong>citerne \u00e0 mazout<\/strong>, le produit sera converti en Confort Habitation Flex (1 unit\u00e9) ou Confort Sp\u00e9ciale Buildimax (&gt; 1 unit\u00e9)<\/p><p>En cas de pr\u00e9sence d&rsquo;un\u00a0<strong>capital de contenu commun<\/strong>, le produit sera converti en Confort Sp\u00e9cial Habitation Buildimax<\/p><p><strong>Building plus d&rsquo;une unit\u00e9 avec couverture du contenu priv\u00e9<\/strong>\u00a0vers Confort Habitation Start<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b27ea50 elementor-widget elementor-widget-spacer\" data-id=\"1b27ea50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7062a638 e-con-full e-flex e-con e-child\" data-id=\"7062a638\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7ef79063 e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"7ef79063\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5bb41d69 e-con-full e-flex e-con e-child\" data-id=\"5bb41d69\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5c885f3b elementor-widget elementor-widget-heading\" data-id=\"5c885f3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Ancien environnement<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5ed9a706 e-con-full e-flex e-con e-child\" data-id=\"5ed9a706\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e703937 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"4e703937\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Nouvel environnement AP<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-74fc1a5a e-con-full e-flex e-con e-child\" data-id=\"74fc1a5a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-7bba7580 e-con-full e-flex e-con e-child\" data-id=\"7bba7580\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-538dee46 elementor-widget__width-initial elementor-widget-mobile_extra__width-initial elementor-widget-mobile__width-inherit elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet_extra elementor-hidden-tablet elementor-hidden-mobile_extra elementor-widget elementor-widget-text-editor\" data-id=\"538dee46\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col-span-6 mt-3 px-3 text-gray-5\">Ancien environnement:<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e8bfaa3 elementor-widget__width-initial elementor-widget-mobile_extra__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"6e8bfaa3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Globale Habitation +<br \/>Optimalia Gold<br \/>Excellence<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3dd7071d elementor-hidden-mobile elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"3dd7071d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"31\" height=\"16\" viewBox=\"0 0 31 16\" fill=\"none\"><path d=\"M30.7071 8.70711C31.0976 8.31658 31.0976 7.68342 30.7071 7.29289L24.3431 0.928932C23.9526 0.538408 23.3195 0.538408 22.9289 0.928932C22.5384 1.31946 22.5384 1.95262 22.9289 2.34315L28.5858 8L22.9289 13.6569C22.5384 14.0474 22.5384 14.6805 22.9289 15.0711C23.3195 15.4616 23.9526 15.4616 24.3431 15.0711L30.7071 8.70711ZM0 9H30V7H0V9Z\" fill=\"#96C03D\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-25f63999 e-con-full e-flex e-con e-child\" data-id=\"25f63999\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3fdcff4d elementor-widget__width-initial elementor-widget-mobile_extra__width-initial elementor-widget-mobile__width-inherit elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet_extra elementor-hidden-tablet elementor-hidden-mobile_extra elementor-widget elementor-widget-text-editor\" data-id=\"3fdcff4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col-span-6 mt-3 px-3 text-gray-5\">Nouvel environnement AP:<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3054924d elementor-widget elementor-widget-text-editor\" data-id=\"3054924d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Confort Habitation Flex (1 unit\u00e9 *)<br \/>Confort Special Habitation Buildimax (&gt; 1 unit\u00e9 *)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-30ab7d75 e-con-full e-flex e-con e-child\" data-id=\"30ab7d75\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-47c8ee96 elementor-widget elementor-widget-heading\" data-id=\"47c8ee96\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Exceptions<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-37c9ed86 e-flex e-con-boxed e-con e-child\" data-id=\"37c9ed86\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-53e12c3a elementor-widget__width-initial elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"53e12c3a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3888158f elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3888158f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tBuilding plus d&rsquo;une unit\u00e9 avec couverture du contenu priv\u00e9 vers Confort Habitation Flex\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68fbb2eb elementor-widget elementor-widget-spacer\" data-id=\"68fbb2eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ecc853b elementor-widget elementor-widget-text-editor\" data-id=\"5ecc853b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>(*) : 1 unit\u00e9 = 1 logement unifamilial (ind\u00e9pendant) ou accessoirement 1 bureau ou 1 local pour profession lib\u00e9rale<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61411615 elementor-widget elementor-widget-spacer\" data-id=\"61411615\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e2130d9 elementor-widget elementor-widget-text-editor\" data-id=\"7e2130d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les garages et les carports<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e22c865 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3e22c865\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tLes\u00a0<strong>carports<\/strong>\u00a0et les\u00a0<strong>garages \u00e0 usage privatif<\/strong>\u00a0(qu&rsquo;il soient ou non \u00e0 l&rsquo;adresse de l&rsquo;habitation) ne doivent plus \u00eatre mentionn\u00e9s, ils sont\u00a0<strong>couverts d&rsquo;office<\/strong>\u00a0dans le capital de l&rsquo;habitation principale\u00a0<strong>sans mention particuli\u00e8re<\/strong>.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f9f1b64 e-con-full e-flex e-con e-child\" data-id=\"5f9f1b64\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-26f076b7 e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"26f076b7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5af8fb86 e-con-full e-flex e-con e-child\" data-id=\"5af8fb86\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49edd10 elementor-widget elementor-widget-heading\" data-id=\"49edd10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Ancien environnement<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2d74a7b9 e-con-full e-flex e-con e-child\" data-id=\"2d74a7b9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-128a4288 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"128a4288\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Nouvel environnement AP<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7a863ab1 e-con-full e-flex e-con e-child\" data-id=\"7a863ab1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-6ccc3e27 e-con-full e-flex e-con e-child\" data-id=\"6ccc3e27\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d364cee elementor-widget__width-initial elementor-widget-mobile_extra__width-initial elementor-widget-mobile__width-inherit elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet_extra elementor-hidden-tablet elementor-hidden-mobile_extra elementor-widget elementor-widget-text-editor\" data-id=\"2d364cee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col-span-6 mt-3 px-3 text-gray-5\">Ancien environnement:<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31c5cc18 elementor-widget__width-initial elementor-widget-mobile_extra__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"31c5cc18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Carport ou Garage \u00e0 usage privatif (\u00e0 l&rsquo;adresse de l&rsquo;habitation ou \u00e0 une autre adresse)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c590b41 elementor-hidden-mobile elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"c590b41\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"31\" height=\"16\" viewBox=\"0 0 31 16\" fill=\"none\"><path d=\"M30.7071 8.70711C31.0976 8.31658 31.0976 7.68342 30.7071 7.29289L24.3431 0.928932C23.9526 0.538408 23.3195 0.538408 22.9289 0.928932C22.5384 1.31946 22.5384 1.95262 22.9289 2.34315L28.5858 8L22.9289 13.6569C22.5384 14.0474 22.5384 14.6805 22.9289 15.0711C23.3195 15.4616 23.9526 15.4616 24.3431 15.0711L30.7071 8.70711ZM0 9H30V7H0V9Z\" fill=\"#96C03D\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7bef61f2 e-con-full e-flex e-con e-child\" data-id=\"7bef61f2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b78049c elementor-widget__width-initial elementor-widget-mobile_extra__width-initial elementor-widget-mobile__width-inherit elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet_extra elementor-hidden-tablet elementor-hidden-mobile_extra elementor-widget elementor-widget-text-editor\" data-id=\"3b78049c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col-span-6 mt-3 px-3 text-gray-5\">Nouvel environnement AP:<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-990468d elementor-widget elementor-widget-text-editor\" data-id=\"990468d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Inclus avec l&rsquo;habitation<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-10f1188 e-con-full e-flex e-con e-child\" data-id=\"10f1188\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-6c63a99 e-con-full e-flex e-con e-child\" data-id=\"6c63a99\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76c1b6c6 elementor-widget__width-initial elementor-widget-mobile_extra__width-initial elementor-widget-mobile__width-inherit elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet_extra elementor-hidden-tablet elementor-hidden-mobile_extra elementor-widget elementor-widget-text-editor\" data-id=\"76c1b6c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col-span-6 mt-3 px-3 text-gray-5\">Ancien environnement:<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-596a1c1b elementor-widget__width-initial elementor-widget-mobile_extra__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"596a1c1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Garage seul donn\u00e9 en location<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ea3f0d9 elementor-hidden-mobile elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"1ea3f0d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"31\" height=\"16\" viewBox=\"0 0 31 16\" fill=\"none\"><path d=\"M30.7071 8.70711C31.0976 8.31658 31.0976 7.68342 30.7071 7.29289L24.3431 0.928932C23.9526 0.538408 23.3195 0.538408 22.9289 0.928932C22.5384 1.31946 22.5384 1.95262 22.9289 2.34315L28.5858 8L22.9289 13.6569C22.5384 14.0474 22.5384 14.6805 22.9289 15.0711C23.3195 15.4616 23.9526 15.4616 24.3431 15.0711L30.7071 8.70711ZM0 9H30V7H0V9Z\" fill=\"#96C03D\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-675e26af e-con-full e-flex e-con e-child\" data-id=\"675e26af\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a63d6a2 elementor-widget__width-initial elementor-widget-mobile_extra__width-initial elementor-widget-mobile__width-inherit elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet_extra elementor-hidden-tablet elementor-hidden-mobile_extra elementor-widget elementor-widget-text-editor\" data-id=\"3a63d6a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col-span-6 mt-3 px-3 text-gray-5\">Nouvel environnement AP:<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f3946d5 elementor-widget elementor-widget-text-editor\" data-id=\"3f3946d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Start Garage<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fbcb962 elementor-widget elementor-widget-spacer\" data-id=\"1fbcb962\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4153044d elementor-widget elementor-widget-text-editor\" data-id=\"4153044d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les annexes<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30ff12d6 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"30ff12d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les\u00a0<strong>annexes de moins de 20 m\u00b2 \u00e0 usage d&rsquo;habitation<\/strong>\u00a0sont couvertes d&rsquo;office dans le capital de l&rsquo;habitation principale\u00a0<strong>sans mention particuli\u00e8re<\/strong>.<\/p><p>Par contre,\u00a0<strong>les annexes \u00e0 usage de jardin, piscine, abri pour animaux<\/strong>, ou les\u00a0<strong>annexes de plus 20 m\u00b2<\/strong>\u00a0doivent faire l&rsquo;objet de l&rsquo;ajout d&rsquo;une\u00a0<strong>option dans le m\u00eame contrat<\/strong>, avec un captital s\u00e9par\u00e9 premier risque totalement au choix. Le contenu est couvert dans ce capital sauf le mat\u00e9riel et les marchandises pour lesquels l\u2019option business est recommand\u00e9e.<\/p><p>Sans option, une couverture pour les annexes est quand m\u00eame pr\u00e9vue en Confort Habitation Flex pour 6.400 \u20ac et Confort Habitation Start pour 2.600 \u20ac.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6fcb329c e-con-full e-flex e-con e-child\" data-id=\"6fcb329c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-dad37cb e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"dad37cb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6023552c e-con-full e-flex e-con e-child\" data-id=\"6023552c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6800556 elementor-widget elementor-widget-heading\" data-id=\"6800556\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Ancien environnement<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-58f06253 e-con-full e-flex e-con e-child\" data-id=\"58f06253\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-416dfba8 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"416dfba8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Nouvel environnement AP<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6bc7fd4f e-con-full e-flex e-con e-child\" data-id=\"6bc7fd4f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-67f663bd e-con-full e-flex e-con e-child\" data-id=\"67f663bd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2cb3af34 elementor-widget__width-initial elementor-widget-mobile_extra__width-initial elementor-widget-mobile__width-inherit elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet_extra elementor-hidden-tablet elementor-hidden-mobile_extra elementor-widget elementor-widget-text-editor\" data-id=\"2cb3af34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col-span-6 mt-3 px-3 text-gray-5\">Ancien environnement:<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-785bc12 elementor-widget__width-initial elementor-widget-mobile_extra__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"785bc12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Option Blue<br \/>Pack Piscine<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c360592 elementor-hidden-mobile elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"1c360592\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"31\" height=\"16\" viewBox=\"0 0 31 16\" fill=\"none\"><path d=\"M30.7071 8.70711C31.0976 8.31658 31.0976 7.68342 30.7071 7.29289L24.3431 0.928932C23.9526 0.538408 23.3195 0.538408 22.9289 0.928932C22.5384 1.31946 22.5384 1.95262 22.9289 2.34315L28.5858 8L22.9289 13.6569C22.5384 14.0474 22.5384 14.6805 22.9289 15.0711C23.3195 15.4616 23.9526 15.4616 24.3431 15.0711L30.7071 8.70711ZM0 9H30V7H0V9Z\" fill=\"#96C03D\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-39bfbcfc e-con-full e-flex e-con e-child\" data-id=\"39bfbcfc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-299ea029 elementor-widget__width-initial elementor-widget-mobile_extra__width-initial elementor-widget-mobile__width-inherit elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet_extra elementor-hidden-tablet elementor-hidden-mobile_extra elementor-widget elementor-widget-text-editor\" data-id=\"299ea029\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col-span-6 mt-3 px-3 text-gray-5\">Nouvel environnement AP:<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-112a498 elementor-widget elementor-widget-text-editor\" data-id=\"112a498\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Option Piscine sur le contrat de l&rsquo;habitation<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5c6937b1 e-con-full e-flex e-con e-child\" data-id=\"5c6937b1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-533af87b e-con-full e-flex e-con e-child\" data-id=\"533af87b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18b48024 elementor-widget__width-initial elementor-widget-mobile_extra__width-initial elementor-widget-mobile__width-inherit elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet_extra elementor-hidden-tablet elementor-hidden-mobile_extra elementor-widget elementor-widget-text-editor\" data-id=\"18b48024\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col-span-6 mt-3 px-3 text-gray-5\">Ancien environnement:<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1265d649 elementor-widget__width-initial elementor-widget-mobile_extra__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"1265d649\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Option Green<br \/>Pack Jardin<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-439a9517 elementor-hidden-mobile elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"439a9517\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"31\" height=\"16\" viewBox=\"0 0 31 16\" fill=\"none\"><path d=\"M30.7071 8.70711C31.0976 8.31658 31.0976 7.68342 30.7071 7.29289L24.3431 0.928932C23.9526 0.538408 23.3195 0.538408 22.9289 0.928932C22.5384 1.31946 22.5384 1.95262 22.9289 2.34315L28.5858 8L22.9289 13.6569C22.5384 14.0474 22.5384 14.6805 22.9289 15.0711C23.3195 15.4616 23.9526 15.4616 24.3431 15.0711L30.7071 8.70711ZM0 9H30V7H0V9Z\" fill=\"#96C03D\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e110435 e-con-full e-flex e-con e-child\" data-id=\"1e110435\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67a290ac elementor-widget__width-initial elementor-widget-mobile_extra__width-initial elementor-widget-mobile__width-inherit elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet_extra elementor-hidden-tablet elementor-hidden-mobile_extra elementor-widget elementor-widget-text-editor\" data-id=\"67a290ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col-span-6 mt-3 px-3 text-gray-5\">Nouvel environnement AP:<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-403c964e elementor-widget elementor-widget-text-editor\" data-id=\"403c964e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Option Jardin sur le contrat de l&rsquo;habitation<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bebe52a elementor-widget elementor-widget-spacer\" data-id=\"bebe52a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c42c53e elementor-widget elementor-widget-text-editor\" data-id=\"7c42c53e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>V<b>\u00e9<\/b>hicules au repos<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bad7c64 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"4bad7c64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Les remorques, v\u00e9lomoteurs ou v\u00e9los \u00e9lectriques sont couverts sans option<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-baf0aff elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"baf0aff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les v\u00e9hicules au repos (voiture, moto, quad, v\u00e9hicule outil, caravane, bateau, jet ski\u2026) sont converts par nombre de v\u00e9hicule \u00e0 concurrence de 33.000 \u20ac par v\u00e9hicule.\u00a0<strong>Il n&rsquo;est plus n\u00e9cessaire d&rsquo;identifier les v\u00e9hicules<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-507c8838 elementor-widget elementor-widget-spacer\" data-id=\"507c8838\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-387c41be elementor-widget elementor-widget-text-editor\" data-id=\"387c41be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Mat\u00e9riel professionnel et marchandises<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11fef9ea elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"11fef9ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Les remorques, v\u00e9lomoteurs ou v\u00e9los \u00e9lectriques sont couverts sans option<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6070c9cd e-con-full e-flex e-con e-child\" data-id=\"6070c9cd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-664539ee e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"664539ee\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-17cc8851 e-con-full e-flex e-con e-child\" data-id=\"17cc8851\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d516a59 elementor-widget elementor-widget-heading\" data-id=\"3d516a59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Ancien environnement<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-749ea40d e-con-full e-flex e-con e-child\" data-id=\"749ea40d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-44c940ba elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"44c940ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Nouvel environnement AP<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-50c7c2a0 e-con-full e-flex e-con e-child\" data-id=\"50c7c2a0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-6e2ce05 e-con-full e-flex e-con e-child\" data-id=\"6e2ce05\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c2dca6d elementor-widget__width-initial elementor-widget-mobile_extra__width-initial elementor-widget-mobile__width-inherit elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet_extra elementor-hidden-tablet elementor-hidden-mobile_extra elementor-widget elementor-widget-text-editor\" data-id=\"3c2dca6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col-span-6 mt-3 px-3 text-gray-5\">Ancien environnement:<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18d486da elementor-widget__width-initial elementor-widget-mobile_extra__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"18d486da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Contenu professionnel<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60b1004d elementor-hidden-mobile elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"60b1004d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"31\" height=\"16\" viewBox=\"0 0 31 16\" fill=\"none\"><path d=\"M30.7071 8.70711C31.0976 8.31658 31.0976 7.68342 30.7071 7.29289L24.3431 0.928932C23.9526 0.538408 23.3195 0.538408 22.9289 0.928932C22.5384 1.31946 22.5384 1.95262 22.9289 2.34315L28.5858 8L22.9289 13.6569C22.5384 14.0474 22.5384 14.6805 22.9289 15.0711C23.3195 15.4616 23.9526 15.4616 24.3431 15.0711L30.7071 8.70711ZM0 9H30V7H0V9Z\" fill=\"#96C03D\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-498b12ec e-con-full e-flex e-con e-child\" data-id=\"498b12ec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-328b8a elementor-widget__width-initial elementor-widget-mobile_extra__width-initial elementor-widget-mobile__width-inherit elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet_extra elementor-hidden-tablet elementor-hidden-mobile_extra elementor-widget elementor-widget-text-editor\" data-id=\"328b8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col-span-6 mt-3 px-3 text-gray-5\">Nouvel environnement AP:<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d160d1 elementor-widget elementor-widget-text-editor\" data-id=\"2d160d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Option Business<br \/>Un seul capital \u2013 plafond au choix (10.000, 25.000, 50.000, plus sur demande &#8211; max 100.000 \u20ac)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2eb32b83 elementor-widget elementor-widget-spacer\" data-id=\"2eb32b83\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44fcd73c elementor-widget elementor-widget-text-editor\" data-id=\"44fcd73c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Protection juridique<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65987458 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"65987458\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Contenu bient\u00f4t disponible<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66c7476f elementor-widget elementor-widget-spacer\" data-id=\"66c7476f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c628d2 elementor-widget elementor-widget-text-editor\" data-id=\"c628d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Vol<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7cf52ab elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"7cf52ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La couverture de la garantie Vol seule dans un contrat s\u00e9par\u00e9 n&rsquo;est plus possible.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7bf31228 e-con-full e-flex e-con e-child\" data-id=\"7bf31228\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-78c2d5a5 e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"78c2d5a5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-70f153d0 e-con-full e-flex e-con e-child\" data-id=\"70f153d0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b67a11b elementor-widget elementor-widget-heading\" data-id=\"1b67a11b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Ancien environnement<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b71fd51 e-con-full e-flex e-con e-child\" data-id=\"1b71fd51\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a5444e2 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"7a5444e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Nouvel environnement AP<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6659377c e-con-full e-flex e-con e-child\" data-id=\"6659377c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-313167da e-con-full e-flex e-con e-child\" data-id=\"313167da\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8cc17e9 elementor-widget__width-initial elementor-widget-mobile_extra__width-initial elementor-widget-mobile__width-inherit elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet_extra elementor-hidden-tablet elementor-hidden-mobile_extra elementor-widget elementor-widget-text-editor\" data-id=\"8cc17e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col-span-6 mt-3 px-3 text-gray-5\">Ancien environnement:<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6abd193b elementor-widget__width-initial elementor-widget-mobile_extra__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"6abd193b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Vol<br \/>Vol Base<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59e7bc08 elementor-hidden-mobile elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"59e7bc08\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"31\" height=\"16\" viewBox=\"0 0 31 16\" fill=\"none\"><path d=\"M30.7071 8.70711C31.0976 8.31658 31.0976 7.68342 30.7071 7.29289L24.3431 0.928932C23.9526 0.538408 23.3195 0.538408 22.9289 0.928932C22.5384 1.31946 22.5384 1.95262 22.9289 2.34315L28.5858 8L22.9289 13.6569C22.5384 14.0474 22.5384 14.6805 22.9289 15.0711C23.3195 15.4616 23.9526 15.4616 24.3431 15.0711L30.7071 8.70711ZM0 9H30V7H0V9Z\" fill=\"#96C03D\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5fb54d0a e-con-full e-flex e-con e-child\" data-id=\"5fb54d0a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5aad8e5 elementor-widget__width-initial elementor-widget-mobile_extra__width-initial elementor-widget-mobile__width-inherit elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet_extra elementor-hidden-tablet elementor-hidden-mobile_extra elementor-widget elementor-widget-text-editor\" data-id=\"5aad8e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col-span-6 mt-3 px-3 text-gray-5\">Nouvel environnement AP:<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-408fa863 elementor-widget elementor-widget-text-editor\" data-id=\"408fa863\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Option Vol sur le contrat de l&rsquo;habitation<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-59e14bf5 e-con-full e-flex e-con e-child\" data-id=\"59e14bf5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-73499a00 e-con-full e-flex e-con e-child\" data-id=\"73499a00\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4932893a elementor-widget__width-initial elementor-widget-mobile_extra__width-initial elementor-widget-mobile__width-inherit elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet_extra elementor-hidden-tablet elementor-hidden-mobile_extra elementor-widget elementor-widget-text-editor\" data-id=\"4932893a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col-span-6 mt-3 px-3 text-gray-5\">Ancien environnement:<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-167837bc elementor-widget__width-initial elementor-widget-mobile_extra__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"167837bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Vol +<br \/>Vol Gold<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35781954 elementor-hidden-mobile elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"35781954\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"31\" height=\"16\" viewBox=\"0 0 31 16\" fill=\"none\"><path d=\"M30.7071 8.70711C31.0976 8.31658 31.0976 7.68342 30.7071 7.29289L24.3431 0.928932C23.9526 0.538408 23.3195 0.538408 22.9289 0.928932C22.5384 1.31946 22.5384 1.95262 22.9289 2.34315L28.5858 8L22.9289 13.6569C22.5384 14.0474 22.5384 14.6805 22.9289 15.0711C23.3195 15.4616 23.9526 15.4616 24.3431 15.0711L30.7071 8.70711ZM0 9H30V7H0V9Z\" fill=\"#96C03D\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6362ebd8 e-con-full e-flex e-con e-child\" data-id=\"6362ebd8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2f59c7bb elementor-widget__width-initial elementor-widget-mobile_extra__width-initial elementor-widget-mobile__width-inherit elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet_extra elementor-hidden-tablet elementor-hidden-mobile_extra elementor-widget elementor-widget-text-editor\" data-id=\"2f59c7bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"col-span-6 mt-3 px-3 text-gray-5\">Nouvel environnement AP:<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-436cd78a elementor-widget elementor-widget-text-editor\" data-id=\"436cd78a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Option Vol+ sur le contrat de l&rsquo;habitation<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-110a0a46 e-con-full e-flex e-con e-child\" data-id=\"110a0a46\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6effdc9c elementor-widget elementor-widget-heading\" data-id=\"6effdc9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2. En d\u00e9tails<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5335fc3 elementor-widget elementor-widget-n-accordion\" data-id=\"5335fc3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8720\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-8720\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Les b\u00e2timents avec plusieurs unit\u00e9s et assurance du contenu des propri\u00e9taires ou des locataires <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8720\" class=\"elementor-element elementor-element-331a3dc2 e-con-full e-flex e-con e-child\" data-id=\"331a3dc2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1acedc81 elementor-widget elementor-widget-text-editor\" data-id=\"1acedc81\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les risques qui comportent au minimum 2 unit\u00e9s sont normalement dirig\u00e9es vers les contrats buildings Confort Speciale Habitation.<\/p><p>Or cette formule building, \u00e0 l&rsquo;origine orient\u00e9e vers l&rsquo;assurance d&rsquo;une ACP, ne permet pas d&rsquo;assurer de contenu (contenu de base, v\u00e9hicule au repos, mat\u00e9riel professionnel&#8230;).<\/p><p>Nous faisons exception lors de la reprise et gardons ces contrats en Confort Habitation avec une clause qui d\u00e9roge au champ d&rsquo;application. Le maintien des couvertures et donc assur\u00e9. Seuls les contrats avec comme preneur une ACP identifi\u00e9e sera maintenue en contrat building avec un contrat s\u00e9par\u00e9 pour le contenu ou autres options.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8721\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8721\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Les b\u00e2timents avec une activit\u00e9 commerciale <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8721\" class=\"elementor-element elementor-element-476b23df e-con-full e-flex e-con e-child\" data-id=\"476b23df\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a8fb79 elementor-widget elementor-widget-text-editor\" data-id=\"5a8fb79\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les risques qui comportent 1 seule unit\u00e9 passe \u00e0 Confort Habitation. Cette maison, chalet ou appartement doit \u00eatre \u00e0 usage d&rsquo;habitation avec ou\/sans bureaux ou profession lib\u00e9rale.<\/p><p>Un \u00e9ventuel usage commercial accessoire est possible moyennant accord de la Cie et mention dans le contrat (par exemple, habitations avec un local \u00e0 usage de salon d&rsquo;esth\u00e9tisme, de coiffure, de vente&#8230;) resteront dans un contrat Confort Habitation Start ou Flex avec une clause d\u00e9rogatoire.<\/p><p>Les biens avec un commerce important, comportant un risque plus grand seront orient\u00e9s vers le produit plus adapt\u00e9 : Talensia.<\/p><p>Les b\u00e2timents d&rsquo;habitation avec plus d&rsquo;une unit\u00e9, eux, sont dirig\u00e9s vers Confort Sp\u00e9cial Habitation Building qui peuvent comporter des bureaux, des professions lib\u00e9rales et aussi des commerces.<\/p><p>Les b\u00e2timents avec plusieurs unit\u00e9s et assurance du contenu meublant sont convertis en Buildimax.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8722\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8722\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Syst\u00e8me d'\u00e9valuation: capital <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8722\" class=\"elementor-element elementor-element-29d512a3 e-con-full e-flex e-con e-child\" data-id=\"29d512a3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-604a5f15 elementor-widget elementor-widget-text-editor\" data-id=\"604a5f15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les capitaux qu&rsquo;ils soient libres ou 1er risque seront tous convertis en formule 1er risque, plus simple et plus s\u00fbr pour le client qui ne supportera pas de r\u00e8gle proportionnelle en cas d&rsquo;insuffisance de capitaux. (libell\u00e9 Capital AP)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8723\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8723\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Syst\u00e8me d'\u00e9valuation: grille ou loyer <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8723\" class=\"elementor-element elementor-element-1ef77676 e-con-full e-flex e-con e-child\" data-id=\"1ef77676\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ce67d8d elementor-widget elementor-widget-text-editor\" data-id=\"6ce67d8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les capitaux calcul\u00e9s sur base d&rsquo;une grille ou du loyer seront tous convertis en \u00ab\u00a0grille AP\u00a0\u00bb sur les conditions particuli\u00e8res. Le risque reste assur\u00e9 en valeur de reconstruction (non limit\u00e9 au capital donc sans application de la r\u00e8gle proportionnelle en cas d&rsquo;insuffisance de capitaux. Les d\u00e9tails de la grille ne seront pas rapatri\u00e9s mais seront \u00e0 disposition du gestionnaire pour v\u00e9rification en cas de manquement majeur et \u00e9vident.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8724\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8724\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Syst\u00e8me d'\u00e9valuation: expertise par la compagnie <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8724\" class=\"elementor-element elementor-element-4aafa945 e-con-full e-flex e-con e-child\" data-id=\"4aafa945\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-53e99cc7 elementor-widget elementor-widget-text-editor\" data-id=\"53e99cc7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les conditions particuli\u00e8res mentionnent \u00ab expertise \u00bb qui ce induit une valeur de reconstruction et pas de r\u00e8gle proportionnelle sauf am\u00e9lioration importante non d\u00e9clar\u00e9e).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8725\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8725\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Les panneaux solaires, chaudi\u00e8re mazout, contenu commun (building) ... <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8725\" class=\"elementor-element elementor-element-16c7bc4b e-con-full e-flex e-con e-child\" data-id=\"16c7bc4b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-23cace3c elementor-widget elementor-widget-text-editor\" data-id=\"23cace3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ces \u00e9l\u00e9ments \u00e9taient souvent d\u00e9taill\u00e9s dans les clauses libres mais sont d\u00e9sormais peu utiles car les nouvelles conditions g\u00e9n\u00e9rales pr\u00e9voient la couverture d&rsquo;office. Exemple :<\/p><p>-les panneaux solaires sont couverts peu importe leur montant dans la formule Flex ou Buildimax s&rsquo;ils sont d\u00e9clar\u00e9s.<br \/>-l&rsquo;assainissement mazout est couvert dans la formule Flex ou Buildimax<br \/>-le contenu commun des copropri\u00e9t\u00e9s est couvert en Buildimax<br \/>-&#8230;<\/p><p>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8726\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8726\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Les garages \u00e0 usage privatif <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8726\" class=\"elementor-element elementor-element-3d77551c e-con-full e-flex e-con e-child\" data-id=\"3d77551c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-35637cc4 elementor-widget elementor-widget-text-editor\" data-id=\"35637cc4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Tous les garages \u00e0 l&rsquo;adresse du risque principal ainsi que les garages \u00e0 usage privatif situ\u00e9s \u00e0 une autre adresse sont couverts dans le contrat de l&rsquo;habitation principale sans mention particuli\u00e8re. Les capitaux de ces garages ont donc \u00e9t\u00e9 ajout\u00e9s au capital b\u00e2timent. Leur contenu est int\u00e9gr\u00e9 dans le capital contenu de base ou par les diff\u00e9rentes options comme v\u00e9hicule au repos, jardin, business&#8230; donc, simplicit\u00e9 avec un seul contrat.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8727\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8727\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Les annexes <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8727\" class=\"elementor-element elementor-element-74530780 e-con-full e-flex e-con e-child\" data-id=\"74530780\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d66a6e1 elementor-widget elementor-widget-text-editor\" data-id=\"5d66a6e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les annexes \u00e0 l&rsquo;adresse du risque principal ou \u00e0 une autre adresse sont th\u00e9oriquement int\u00e9gr\u00e9es dans le contrat de l&rsquo;habitation principale.<\/p><p>L&rsquo;usage et la superficie en d\u00e9terminent le type d&rsquo;option n\u00e9cessaire:<\/p><p>-Les moins de 20 m\u00b2 sont int\u00e9gr\u00e9es au capitaux b\u00e2timent \/ contenu de base sans option ;<br \/>-les abris de jardin, serres n\u00e9cessitent l&rsquo;option jardin;<br \/>-les pool house ou locaux techniques \u00e0 destination de la piscine n\u00e9cessitent l\u2019option piscine ;<br \/>-les autres annexes de plus de 20 m\u00b2 ou \u00e0 usage mixte sont assur\u00e9es en 1er risque par l&rsquo;option annexe de plus de 20 m\u00b2.<\/p><p>Les infos utiles n&rsquo;\u00e9tant pas toujours disponibles, en cas de doute, nous avons souvent privil\u00e9gi\u00e9 l&rsquo;option annexe. En cas de sinistre, en l\u2019absence d\u2019avenant touchant directement au risque post\u00e9rieur au transfert, la description initiale pourra \u00eatre utilis\u00e9e (voir clause libre)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8728\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"9\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8728\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Les garages donn\u00e9s en location <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8728\" class=\"elementor-element elementor-element-3b5b7427 e-con-full e-flex e-con e-child\" data-id=\"3b5b7427\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4add9f75 elementor-widget elementor-widget-text-editor\" data-id=\"4add9f75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les garages donn\u00e9s en location (investisseur) sont assur\u00e9s dans la formule Confort Habitation Start Garage sur base du nombre d&#8217;emplacements : plus de limite de capital mais une valeur de reconstruction sans r\u00e8gle proportionnelle.<\/p><p>Il ne peut y avoir de contenu assur\u00e9 dans cette formule. Si le client donne un location un garage de son habitation, car il n&rsquo;en a plus d&rsquo;utilit\u00e9 par exemple, il restera assur\u00e9 dans le contrat de sa maison. Un nombre approximatif a \u00e9t\u00e9 donn\u00e9 pour les contrats pour lesquels la compagnie n&rsquo;a pas su obtenir le nombre exact d&#8217;emplacements<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8729\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"10\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8729\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Les v\u00e9hicules au repos <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8729\" class=\"elementor-element elementor-element-340c222 e-con-full e-flex e-con e-child\" data-id=\"340c222\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1763cf2c elementor-widget elementor-widget-text-editor\" data-id=\"1763cf2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les v\u00e9hicules au repos sont couverts par l&rsquo;option du m\u00eame nom sur base d&rsquo;un nombre de v\u00e9hicules. La couverture est acquise d&rsquo;office pour une valeur v\u00e9nale avec un maximum de 30.000 \u20ac par v\u00e9hicule. Ceux-ci ne doivent plus \u00eatre identifi\u00e9s par le mod\u00e8le, plaque ou ch\u00e2ssis. En cas de doute sur le nombre de v\u00e9hicule, nous avons opt\u00e9 dans les conditions particuli\u00e8res pour l&rsquo;assurance d&rsquo;un seul v\u00e9hicule.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-87210\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"11\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-87210\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Les chalets et caravanes <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-87210\" class=\"elementor-element elementor-element-717a1d01 e-con-full e-flex e-con e-child\" data-id=\"717a1d01\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-240eb225 elementor-widget elementor-widget-text-editor\" data-id=\"240eb225\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les chalets et caravanes sont couverts en CH Start ou Flex traditionnel mais avec une clause sp\u00e9ciale qui pr\u00e9cise l&rsquo;indemnisation en valeur r\u00e9elle apr\u00e8s 10 ans. Plus besoin de clause libre. Les chalets dont la valeur \u00e0 neuf est de &gt;150.000 \u20ac sont consid\u00e9r\u00e9s comme maison traditionnelle et ne sont donc pas soumis aux conditions sp\u00e9cifiques chalet.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-87211\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"12\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-87211\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Clauses libres : autres mentions non reprises <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-87211\" class=\"elementor-element elementor-element-56c92d06 e-con-full e-flex e-con e-child\" data-id=\"56c92d06\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-401b65dd elementor-widget elementor-widget-text-editor\" data-id=\"401b65dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Certaines mentions dans les clauses libres ne sont pas reprises car n&rsquo;a plus d&rsquo;utilit\u00e9 (couverture d&rsquo;office, \u00e9l\u00e9ments trop anciens\u2026) :<\/p><p>-ant\u00e9c\u00e9dents<br \/>-d\u00e9tail de la grille d&rsquo;\u00e9valuation ou du loyer<br \/>-nom des parents occupants<br \/>-ancienne compagnie couvrant le risque<br \/>-\u00ab\u00a0b\u00e2timent ferm\u00e9 et construit en dur\u00a0\u00bb<br \/>-motif du dernier avenant<br \/>-couverture de garages<br \/>-capital de la cuisine et des panneaux solaires ou du robot tondeuse<br \/>-limite de la couverture d\u00e9gradation immobili\u00e8re<br \/>-les contrats connexes du locataire ou du bailleur<br \/>-couverture du kot<br \/>-etc&#8230;<\/p><p>Certains contrats doivent faire l&rsquo;objet d&rsquo;une analyse plus approfondie et des adaptations seront parfois n\u00e9cessaires. Les autres clauses libres sont individuelles et sp\u00e9cifiques \u00e0 chaque risque ou client. Il faudra encore quelques semaines pour que toutes les clauses soient analys\u00e9es et pour pouvoir am\u00e9liorer ainsi la qualit\u00e9 des donn\u00e9es consultable directement dans le nouvel environnement.<\/p><p>En cas de discussion sur les couvertures, d\u2019approximation de transfert vers sur un produit ou des clauses, le gestionnaire de la compagnie aura toujours \u00e0 sa disposition l\u2019historique du contrat, ce qui enl\u00e8vera tout doute ou discussion sur le r\u00e8glement des sinistres.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-87212\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"13\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-87212\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Usufruitier &amp; nu-propri\u00e9taires \/ Assurance pour compte <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-87212\" class=\"elementor-element elementor-element-6a85f534 e-con-full e-flex e-con e-child\" data-id=\"6a85f534\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c5f5160 elementor-widget elementor-widget-text-editor\" data-id=\"7c5f5160\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Nous avons g\u00e9n\u00e9ralement maintenu la clause libre reprenant les noms des deux parties mais en l&rsquo;absence de cette clause, la couverture est de toute fa\u00e7on acquise pour tous les b\u00e9n\u00e9ficiaires de droits r\u00e9els : c&rsquo;est clairement \u00e9crit dans la d\u00e9finition de \u00ab\u00a0vous\u00a0\u00bb, reprise dans le lexique des conditions g\u00e9n\u00e9rales.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-87213\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"14\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-87213\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Les g\u00eetes <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-87213\" class=\"elementor-element elementor-element-73ec4b49 e-con-full e-flex e-con e-child\" data-id=\"73ec4b49\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d5cc68d elementor-widget elementor-widget-text-editor\" data-id=\"3d5cc68d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pour les g\u00eetes identifi\u00e9s, une clause sp\u00e9cifique et format\u00e9e a \u00e9t\u00e9 ajout\u00e9e au contrat; celle-ci pr\u00e9cise que nous acceptons les g\u00eetes de maximum 10 personnes et sans repas servi (exception petit dej.). (plus de 10 personnes consulter la Compagnie)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-87214\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"15\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-87214\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Abandon de recours gratuit contre un parent ou vu communaut\u00e9 d'int\u00e9r\u00eat <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-87214\" class=\"elementor-element elementor-element-12a102de e-con-full e-flex e-con e-child\" data-id=\"12a102de\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5cf04d2d elementor-widget elementor-widget-text-editor\" data-id=\"5cf04d2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pr\u00e9cision non reprise dans le contrat car l&rsquo;abandon de recours est pr\u00e9vu d&rsquo;office par les conditions g\u00e9n\u00e9rales faisant r\u00e9f\u00e9rence \u00e0 l&rsquo;art 95 de la loi du 4 avril 2014 relative aux assurances. Par exemple, l&rsquo;abandon de recours s&rsquo;applique aux parents ou alli\u00e9s en ligne directe, fr\u00e8res ou s\u0153urs auxquels le preneur pr\u00eate ou loue son habitation. Dans le cas o\u00f9 il \u00e9tait pr\u00e9vu un abandon de recours gratuit contre une personne nomm\u00e9e mais dont on ne pouvait savoir s&rsquo;il elle \u00e9tait un parent ou en cas de communaut\u00e9 d&rsquo;int\u00e9r\u00eat, nous avons gard\u00e9 la clause.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-87215\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"16\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-87215\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Abandon de recours contre le locataire <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-87215\" class=\"elementor-element elementor-element-446b581f e-con-full e-flex e-con e-child\" data-id=\"446b581f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-33ecef30 elementor-widget elementor-widget-text-editor\" data-id=\"33ecef30\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Une clause ad hoc a \u00e9t\u00e9 int\u00e9gr\u00e9e au contrat.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-87216\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"17\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-87216\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Les options Jardin, piscine ou business <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-87216\" class=\"elementor-element elementor-element-99b8e54 e-con-full e-flex e-con e-child\" data-id=\"99b8e54\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d90e232 elementor-widget elementor-widget-text-editor\" data-id=\"4d90e232\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les options ont \u00e9t\u00e9 int\u00e9gr\u00e9es avec le plafond sup\u00e9rieur au capital couvert. A d\u00e9faut de capital pr\u00e9cis, nous avons pr\u00e9vu un plafond jardin \u00e0 10.000 \u20ac, piscine \u00e0 50.000 \u20ac et business \u00e0 25.000 \u20ac (options les plus souvent utilis\u00e9es). Lorsque le plafond le plus \u00e9lev\u00e9 n&rsquo;est pas suffisant, nous avons ajout\u00e9 une clause particuli\u00e8re d\u00e9rogeant \u00e0 cette limite. Les piscines int\u00e9rieures n\u00e9cessitent une option piscine minimale mais la couverture n&rsquo;est pas limit\u00e9e \u00e0 ce montant.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-87217\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"18\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-87217\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Garanties de base manquantes <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-87217\" class=\"elementor-element elementor-element-700dc323 e-con-full e-flex e-con e-child\" data-id=\"700dc323\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-42d054dc elementor-widget elementor-widget-text-editor\" data-id=\"42d054dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Certains risques n&rsquo;\u00e9taient pas assur\u00e9s pour toutes les garanties de base du contrat habitation. Dans un esprit d&rsquo;uniformisation et de qualit\u00e9 de la couverture pour le client, ces contrats b\u00e9n\u00e9ficient dor\u00e9navant de la globalit\u00e9 des garanties. Par exemple, les annexes, garages b\u00e9n\u00e9ficient des m\u00eames garanties que l&rsquo;habitation principale (sauf mention dans les CP). Seule exception, les contrats des locataires sociaux ou le bailleur public demande une couverture r\u00e9duite au bris de vitre et\/ou d\u00e9g\u00e2ts des eaux et\/ou recours des tiers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-87218\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"19\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-87218\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Vol : limite, bijoux et valeurs <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-87218\" class=\"elementor-element elementor-element-3cd970cb e-con-full e-flex e-con e-child\" data-id=\"3cd970cb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4b49da83 elementor-widget elementor-widget-text-editor\" data-id=\"4b49da83\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Par d\u00e9faut et sans mention contraire, les bijoux et valeurs sont couverts. Pas besoin de plafond maximum \u00e0 pr\u00e9ciser pour la garantie vol, cela est r\u00e9gi par les CG Vol. (50% du capital en vol et 100% en VOL+)\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-87219\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"20\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-87219\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Vol : alarme <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-87219\" class=\"elementor-element elementor-element-324c25eb e-con-full e-flex e-con e-child\" data-id=\"324c25eb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-257608c4 elementor-widget elementor-widget-text-editor\" data-id=\"257608c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La pr\u00e9sence d\u2019une alarme dans le b\u00e2timent est reprise dans la clause sp\u00e9cifique concernant les pr\u00e9ventions de la garantie vol.<\/p><p>La garantie vol est \u00e9largie d&rsquo;office en cas d&rsquo;oubli de mettre l&rsquo;alarme lors d&rsquo;une absence non prolong\u00e9e (sauf si l&rsquo;alarme avait \u00e9t\u00e9 impos\u00e9e par la compagnie).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-87220\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"21\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-87220\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Confort Sp\u00e9ciale Habitation Building et les franchises <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-87220\" class=\"elementor-element elementor-element-15418d78 e-con-full e-flex e-con e-child\" data-id=\"15418d78\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-db63f45 elementor-widget elementor-widget-text-editor\" data-id=\"db63f45\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les CG Buildimo pr\u00e9voient de base une franchise tripl\u00e9e et les franchises anglaises ne peuvent plus \u00eatre souscrites pour l&rsquo;ensemble des contrats de la gamme building. Nous avons bien s\u00fbr d\u00e9rog\u00e9 \u00e0 ces r\u00e8gles par une clause afin de maintenir la franchise souscrite par le client avant le transfert du contrat.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-87221\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"22\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-87221\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Pertes indirectes <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-87221\" class=\"elementor-element elementor-element-11609819 e-con-full e-flex e-con e-child\" data-id=\"11609819\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-23443260 elementor-widget elementor-widget-text-editor\" data-id=\"23443260\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les possibilit\u00e9s d&rsquo;options pour les pertes indirectes sont r\u00e9duites pour les nouvelles affaires (10% pour les Confort Habitation, 5 ou 10% pour les Confort Speciale Habitation). Les autres pourcentages existants en portefeuille ont \u00e9t\u00e9 maintenus via des clauses.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-87222\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"23\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-87222\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00c2ge du b\u00e2timent <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-87222\" class=\"elementor-element elementor-element-1d7e16e7 e-con-full e-flex e-con e-child\" data-id=\"1d7e16e7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d996cbb elementor-widget elementor-widget-text-editor\" data-id=\"d996cbb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Par d\u00e9faut, l&rsquo;\u00e2ge du b\u00e2timent est int\u00e9gr\u00e9 comme 11-20 ans. Pas de souci si le b\u00e2timent est plus ancien car cette donn\u00e9e n&rsquo;a pas d&rsquo;influence sur le tarif ou sur la couverture. Seuls les b\u00e2timents en construction, r\u00e9cents, en r\u00e9novation lourde ou r\u00e9nov\u00e9s b\u00e9n\u00e9ficient de garanties diff\u00e9rentes et\/ou r\u00e9ductions de prime.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-87223\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"24\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-87223\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Confort Special Building et les franchises <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-87223\" class=\"elementor-element elementor-element-66e042f5 e-con-full e-flex e-con e-child\" data-id=\"66e042f5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-221d4ec2 elementor-widget elementor-widget-text-editor\" data-id=\"221d4ec2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les CG Buildimo pr\u00e9voient de base une franchise tripl\u00e9e et les franchises anglaises ne peuvent plus \u00eatre souscrite pour l&rsquo;ensemble des contrats de la gamme building.<\/p><p>Nous avons bien s\u00fbr d\u00e9rog\u00e9 \u00e0 ces r\u00e8gles par une clause afin de maintenir la franchise souscrite par le client avant le transfert du contrat.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-87224\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"25\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-87224\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Coassurance <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-87224\" class=\"elementor-element elementor-element-4572c6fe e-con-full e-flex e-con e-child\" data-id=\"4572c6fe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a63f270 elementor-widget elementor-widget-text-editor\" data-id=\"1a63f270\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ces contrats avec coassurance (soit en tant qu&rsquo;ap\u00e9riteur ou coassureur) sont revus individuellement<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u00c9volution des produits Nouvel environnement informatique \u00c9volution produits habitation Aper\u00e7u des principaux changements aux produits d&rsquo;assurances habitation, en comparant l&rsquo;ancienne gamme avec la nouvelle gamme de produits L&rsquo;Ardenne Pr\u00e9voyante. Pour plus d&rsquo;informations, veuillez vous r\u00e9f\u00e9rer aux conditions g\u00e9n\u00e9rales. Si vous souhaitez davantage d&rsquo;informations techniques, n&rsquo;h\u00e9sitez pas \u00e0 prendre connaissance des conditions g\u00e9n\u00e9rales et des fiches [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-9634","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.ardenneprevoyante.be\/fr\/wp-json\/wp\/v2\/pages\/9634","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ardenneprevoyante.be\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.ardenneprevoyante.be\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.ardenneprevoyante.be\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ardenneprevoyante.be\/fr\/wp-json\/wp\/v2\/comments?post=9634"}],"version-history":[{"count":7,"href":"https:\/\/www.ardenneprevoyante.be\/fr\/wp-json\/wp\/v2\/pages\/9634\/revisions"}],"predecessor-version":[{"id":9655,"href":"https:\/\/www.ardenneprevoyante.be\/fr\/wp-json\/wp\/v2\/pages\/9634\/revisions\/9655"}],"wp:attachment":[{"href":"https:\/\/www.ardenneprevoyante.be\/fr\/wp-json\/wp\/v2\/media?parent=9634"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}