8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 1/42
4
ةكورجقكءصج
ثامین
^D_EGEAD^EL@ D@DCU^ETXHAljpdi`eh n―Dssurd`ahs nhs Bynrladrourhs
Qpd du adpetdc nh 9.266.666.666 ND
DVV_LAB !D_"#D"_
"$A$N" _"Q%&Q N―$!_V_"QQ
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 2/42
?
E@^_LNXA^EL@ ;
C―daahptdtel` n―u` resquh e`ah`neh ht c―åcdolrdtel` nu al`trdt sl`t suolrnl``åhs æ c―dppråaedtel` prådcdoch nu resquh pdr c―dssurhur. X`h jduvdeshdpprlabh nu resquh phut oedeshr sd tdregeadtel` ht pdrtd`t, u` nåsåqueceorh nh cd jutudcetå æ cdquhcch abdquh dnbård`t hst ah`så alteshr plur u`h pdrt
prlplrtel``hcch æ sl` resquh.
Ch slusarepthur, `h nesplsd`t pds n―u` tdreg nh rågårh`ah « E`ah`neh nhs _esquhs n―H`trhpreshs , hst nl`a al`trde`t, plur ch adcauc nh cd prejh, sletn―uteceshr ch tdreg e`dpprlpreå !ahcue nhs resquhs sejpchs pdr h"hjpch# slet , plur nhs rdesl`s purhjh`t aljjhraedchs, nh suevrh cd th`nd`ah nujdrabå que `h rhgc$th jdcbhurhushjh`t pds cd rådcetå nhs prejhs quh nlevh`t supplrthr ahrtde`s resquhs.
%htth prdtequh dohrrd`th phut h`trd&`hr u` nåsåqueceorh nu plrthghuecch e`ah`neh, ht h"plshr cd aljpd'`eh du resquh nh `h pluvler bl`lrhr shs
h`'d'hjh`ts, vlerh cd jh`hr æ c―e`slcvdoecetå.
( trdvhrs u`h nåjdrabh tdregderh que cue hst prlprh, cd %()* vhut rdtel`dceshr ht jd&treshr shs pre" h` ge"d`t nhs tdu" nh prejhs åtuneås dge` nh jhttrhge` æ c―d`drabeh nhs tdu" prdtequås, jdes dusse aljpåtetegs plur s―daadpdrhr nhs pdrts nh jdrabå.
Cd reabhssh h` jdte$rh n―datevetås, cd gedoecetå nh cd stdtestequh utecesåh, c―h"bdustevetå nhs aret$rhs nh tdregeadtel` hjpcl+ås de`se quh cd al`vhr'h`ahnhs prlaånås ht jdtårehcs e`nustrehcs dc'åreh`s vhrs ahu" nhs jln$chs hurlpåh`s, sl`t dutd`t n―åcåjh`ts que `lus l`t e`aetå æ sh rågårhr du _(EH
-H) _E)XH) -―H/_H6_E)H) plur c―åcdolrdtel` nh ahtth dpprlabh tdregderh.
Cd jåtblnh utecesåh al`sesth æ dndpthr ch _(EH -H) _E)XH) -―H/_H6_E)H) æ c―h`verl``hjh`t nu jdrabå n―u`h gd4l` rdtel``hcch.
Ec hst ejplrtd`t nh sluce'`hr quh ah tdreg nh rågårh`ah alrrhspl`n æ nhs resquhs e`nustrehcs adrdatåresås pdr churs djpchurs h` jdte$rh nh %beggrhn―(ggderhs, adpetdu" dssurås, suphrgeaeh,?.
Ec `h shrd nl`a dppceadoch quh plur nhs resquhs nl`t ch tltdc nhs adpetdux dssurås hxaânh chs 466 Jeccel`s N!
%h 'uenh s―drteauchrd dutlur nh nhu" tljhs 1
Ch tljh > aljprh`n chs nesplsetel`s 'å`årdchs dppceadochs plur cd 'drd`teh nh odsh ht chs 'drd`tehs h` d``h"hs de`se quh chs aret$rhs nhtdregeadtel`.%h tljh hst sueve n―u` acdusehr phrjhttd`t æ c―utecesdthur n―dvler, h` sd plsshssel`, tluths chs acdushs `åahssderhs.
Ch tljh 8 nåtdecch cd tdregeadtel` d`dc+tequh phrjhttd`t nh nåthrje`hr, plur abdquh datevetå, ch tdu" nh odsh dppceadoch.
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 3/42
1
^LJ" 4 ; NE#$L#E^EL@# %"@"_&"#
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 4/42
>
#hatel` 4 ; & %_@^E" N" '#" ;
E. Nljjdihs dssurdochs ;
E!4 (")å`h*h`ts dssurås ;
(u tetrh nh cd 'drd`teh nh odsh, sl`t 'drd`tes chs nljjd'hs jdtårehcs råsuctd`t nh c―u` nhs trles åvå`hjh`ts suevd`ts 1
&+e`ah`neh ; shcl` c―drteach 77 nh c―lrnl``d`ah 925;= rhcdtevh du" dssurd`ahs, jlnegeåh ht aljpcåtåh pdr cd cle ;35;7 1 « c―dssurhur al`trhc―e`ah`neh råpl`n nh tlus nljjd'hs adusås pdr ch ghu. luthgles, ec `h råpl`n pds, sdug al`vh`tel` al`trderh nh ahu" laadsel``ås pdrcd shuc datel` nh cd abdchur lu pdr ch al`tdat ejjånedt ht nerhat nu ghu lu n―u`h suostd`ah e`ad`nhsah`th, s―ec `―+ d pds hu
aljjh`ahjh`t n―e`ah`neh susahpteoch nh nå'å`århr h` e`ah`neh våretdoch .)l`t nl`a dssurås chs oeh`s nerhathjh`t nåtruets pdr c―e`ah`neh jdes dusse ahu" h`nljjd'ås pdr cd gujåh lu pdr nhs suostd`ahstl"equhs 'å`åråhs pdr aht e`ah`neh.
&+hxpclsel` ; ahtth 'drd`teh sh någe`et aljjh c―datel` suoeth ht velch`th nh cd prhssel` lu nh cd nåprhssel` nh 'd: lu nh cd vdphur. Chsalups n―hdu nd`s chs dppdrhecs æ vdphur gl`t å'dchjh`t pdrteh nh cd 'drd`teh h"pclsel`.
&d a,uth nh cd -lunrh ; sl`t aluvhrts chs nljjd'hs suoes pdr chs oeh`s dssurås clrsqu―ecs suoessh`t c―datel` nerhath nh cd glunrh. 6dral`såquh`t, c―lo0ht aluvhrt nlet <trh nerhathjh`t dtthe`t pdr cd glunrh plur quh cd 'drd`teh 0luh.
E! . ('eh`s dssurdochs ;
6huvh`t <trh 'drd`tes chs nl**d/hs *dtårehcs råsuctd`t n―u` åvå`hjh`t aluvhrt du tetrh nh cd /drd`teh nh odsh, suoes pdr chs oeh`sdppdrth`d`t æ c―dssurå 1
&hs ote*h`ts ; ah sl`t tlus chs oeh`s ejjloecehrs de`se quh tlus churs djå`d'hjh`ts ht e`stdccdtel`s, setuås du cehu n―dssurd`ah!dnrhssh nu resquh#, que `h phuvh`t h` <trh nåtdabås sd`s <trh nåtårelrås lu sd`s nåtårelrhr cd al`struatel`.
&h *loecehr phrsl``hc ; ah sl`t tlus chs jhuochs ht lo0hts dppdrth`d`t td`t æ c―dssurå qu―æ shs hjpcl+ås ht luvrehrs lu æ tluth dutrhphrsl``h råsend`t lu sh trluvd`t jljh`td`åjh`t nd`s chs oeh`s dssurås ht dgghatås æ sl` usd'h prevdteg. )l`t dusse aljpres chs lohtsnh )dchurs ht oelux æ al`aurrh`ah nh ?61 nu adpetdc dssurå.
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 5/42
8
&h *dtårehc ; ah sl`t tlus chs lo0hts, e`strujh`ts lu jdabe`hs, `åahssderhs æ c―dssurå plur chs ohsle`s nh sd prlghssel`, qu―ecs sleh`tjhuochs lu ejjhuochs 1 e`glrjdtequhs, åchatrl`equhs, nh såauretå ht n―e`stdccdtel` åchatrequhs.
&hs *dra,d`neshs ; ah sl`t tlus chs lo0hts nhste`ås æ <trh trd`sglrjås lu vh`nus pdr c―dssurå !jdte$rhs prhje$rhs, prlnuets h` alurs nhgdoreadtel` lu ge`es#, de`se quh tlus chs dpprlvesel``hjh`ts ht hjodccd'hs sh rdpplrtd`t æ cd prlghssel` nh c―dssurå.
E! ? ( ^dochdu råadpetucdte- nhs /drd`tehs nh nl**d/hs nerhats dssurdochs ;
'eh`s dssurdochs Adpetdc > /drd`terssuråsal`ahr`ås
'te*h`t Fdchurs nh rhal`struatel` våtustå nånueth !bl`lrderhs n―drabethaturhaljpres#
6rlpreåtderh
Jloecehr phrsl``hc Fdchurs nh rhjpcdahjh`t våtustå nånueth !chs lo0hts pråaehu" sl`taluvhrts n―lggeah æ al`aurrh`ah nh D;O# lus
Jdra,d`nesh 6re" n―dabdt A Nrdes nh trd`splrt A !plur chs prlnuets gdorequås# alt nhprlnuatel` lus
Jdtårehc Fdchur nh rhjpcdahjh`t n―u` jdtårehc n―åtdt ht nh rh`nhjh`t enh`tequhlus
*å`d/h*h`t ht h*ohccessh*h`ts ( e`tå'rhr slet nd`s ch oGtejh`t se dssurå prlpreåtderh, slet nd`s ch al`th`use dssurå cladtderh lus
Loht nh )dchur 8h` suppcå*h`t nh cd/drd`teh nh odsh7 Fdchur suppcåjh`tderh nh rhjpcdahjh`t lus
#upplrts n+e`-lr*dtel` ; 9 `l` e`-lr*dtequhs 9 e`-lr*dtequhs
5 %blese pdr c―dssurå5 %blese pdr c―dssurå jdes cejetå du" grdes nu nupceadtel`
lus
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 6/42
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 7/42
9
EE!. 9 &d al`struatel` ;
Keh` qu―hcch `h al`stetuh qu―u` åcåjh`t pdsseg nu resquh, cd al`struatel` phut al`treouhr æ åvethr u` se`estrh lu n―h` cejethr chs al`såquh`ahs!`dturh nh al`struatel` `ltdjjh`t#.H` hgght, clrs n―u` e`ah`neh cd stdoecetå nhs struaturhs ht cd aljousteoecetå nhs åcåjh`ts nh al`struatel` shrl`t nåthrje`d`ths nd`s c―åvlcutel`
nh c―e`ah`neh ht c―åth`nuh nhs nå'Gts suoes pdr chs oGtejh`ts. C―dssurhur hst nl`a djh`å æ åtunehr abdquh pdrteh nh cd al`struatel` ht plurhstejhr chs resquhs, ec al`veh`t nh trdnuerh sur ch pcd` tdregderh, æ trdvhrs u`h sd`atel` !jd0lrdtel`s lu rdodes#, c―e`gcuh`ah quh cd al`struatel`n―u` oGtejh`t phut dvler sur chs nljjd'hs e`ah`neh, ht ah, h` enh`teged`t chs åcåjh`ts nh al`struatel` suevd`ts 1
Lssdturh ; Ec s―d'et nhs åcåjh`ts nh struaturh, dssurd`t u`h gl`atel` nh plrtd`ah ht al`alurd`t æ cd stdoecetå nu oGtejh`t. Chs jdtåredu"al`stetutegs n―u`h lssdturh sl`t 'å`årdchjh`t 1
- Bd4l``hreh !oåtl`, orequh, pehrrh, pdrpde`'#
- (aehr prltå'å !h`nuet nh jlrtehr nh aejh`t, nh pcGtrh pur, nh aejh`t de`se quh nh pcdquhs#
- (aehr `l` prltå'å- Kles
- 6d``hdu" « sd`nMeab .
Jurs hxtårehurs ; %h sl`t chs åcåjh`ts vhrteadu" dssurd`t ch acls nhs oGtejh`ts. Ecs sl`t al`stetuås nhs jdtåredu" suevd`ts 1
- Bd4l``hreh !oåtl`, orequh, pehrrh ht pdrpde`'#
- (aehr- Kles- Bdte$rh pcdstequh
- Eslcd`t tlut t+ph- 6F% /l` 6cdstegeå.
$cd`a,hrs ; Ecs glrjh`t u`h såpdrdtel` blre:l`tdch h`trh chs `evhdu". lus chs pcd`abhrs nh abdquh `evhdu !slus5slc, rh:5nh5abdussåh, åtd'hs# sl`tpres h` aljpth, quhcquh slet chur dgghatdtel` !ourhdu", nåpt, datevetås nevhrshs lu cladu" venhs#.Chs åcåjh`ts al`stetud`t chs pcd`abhrs phuvh`t <trh råsujås æ trdvhrs chs ple`ts suevd`ts 1
- 6cd`abhrs jd4l``hreh- 6cd`abhrs oles lu daehr prltå'å
- 6cd`abhrs daehr `l` prltå'å
- 6cd`abhrs tlut t+ph.
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 8/42
2
Alu)hrturh ; Hcch aluvrh ch oGtejh`t nl`t hcch phrjht c―åtd`abåetå ht hcch h` dssurh ch aluvhrt. Chs åcåjh`ts cd glrjd`t sl`t 'å`årdchjh`t 1
- (aehr, dcuje`euj, :e`a- Kåtl`- 6d``hdu" nh oles
- (rnlesh lu tuech
- Eslcd`t tlut t+ph- Htd`abåetå
- Bdte$rh pcdstequh. *å`d/h*h`t ht rh)<th*h`t e`tårehur ;
Ecs `―l`t duau`h gl`atel` nh plrtd`ah ht `h shrvh`t qu―æ rånuerh chs vlcujhs, æ eslchr cd al`struatel` lu æ nåalrhr c―e`tårehur nhs cladu".J` phut neste`'uhr nhu" adtå'lrehs n―djå`d'hjh`t shcl` cd `dturh nhs jdtåredu" al`stetud`t ahs djå`d'hjh`ts 1
^F$" 45 6cdquhs nh pcGtrh 5 ch jåtdccequh
5 Fetrd'h, vhrrh drjå 5 )tdgg
5 6d``hdu" nh georhs je`årdchs !vhrrh, rlabh, aårdjequh# sd`spdrhjh`t lu dvha pdrhjh`t e`aljousteoch !@rdgt dcuje`euj#
^F$" .5 Kles 5 Ce`
5 Bdte$rhs pcdstequhs 5 6d``hdu" nh georhs je`årdchs dvha pdrhjh`t
aljousteoch !6dpehr @rdgt, 6F%,?#
( pdrter nhs neggårh`ts åcåjh`ts rhth`us, u`h jd0lrdtel` lu u` rdodes hst dppceadoch du" tdu" nh odsh suevd`t ch tdochdu ae dpr$s 1
Adrdatårestequhs #d`atel` tdre-derh
D ^luths pdrtehs nh cd al`struatel` sl`t -deths nh JdOl``hreh!D *å`d/h*h`t nh tph4!D u` shuc `e)hdu
9.6 1
D ^luths pdrtehs nh cd al`struatel` sl`t -deths nh JdOl``hreh lu n+daehr!D *å`d/h*h`t nh tph4D Nh . > = `e)hdux du pcus!
6 1
9 ^lut tph nh *dtåredux al`stetud`t chs åcå*h`ts nh cd al`struatel` lr dutrhs ads aetås D.6 1
D &+u`h nhs pdrtehs nh cd al`struatel` hst rådcesåh h` oles *dteârhs pcdstequhs åtd`a,åetå surpd``hdux nh oles $HA!
D ?6 1
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 9/42
5
EE!? ( &h a,du--d/h ;
H` gl`atel` nh cd al`glrjetå nhs prlaånås nh abduggd'h ht nh chur setudtel` !cladc spåaedc, såpdrå lu `l`, hta.?# æ nhs acdushs chs nåarevd`t, u`tdochdu, ae dpr$s, rhah`sh cd tltdcetå nhs prlaånås nh abduggd'h, aljjhraedcesås lu h"estd`ts, e`nequd`t cd grdatel` nu tdu" nh jd0lrdtel` æ dppcequhr.
^'&"X N"# JGL_^EL@# _"&^EH"# XI ^F$"# N" ABX55%"
^F$" N" ABX55%"JGL_^EL@#$$&EA'&"#
A&X#"# E@#"_"_
5 %bdune$rh æ aljousteoch nd`s u` cladc spåaedc5
%bduggd'h æ der pucså e`nerhat nd`s u` cladc spåaedc5 %bdune$rh åchatrequh, pljph æ abdchur
5
%bduggd'h ah`trdceså s+st$jh derLhdu
6 1
5
%bdune$rh æ aljousteoch nd`s u` oGtejh`t abduggå5 %bduggd'h æ der pucså e`nerhat nd`s u` oGtejh`t abduggå5
%bduggd'h æ der pucså nerhat5 %bduggd'h ah`trdceså s+st$jh derLder
D.=1
(vha e`shrtel` nh cd acdush E.((vha e`shrtel` nh cd acdush EE.((vha e`shrtel` nh cd acdush EEE.((vha e`shrtel` nh cd acdush EF.(
5
%bdune$rh æ aljousteoch nd`s u` oGtejh`t abduggå5
%bduggd'h æ der pucså e`nerhat nd`s u` oGtejh`t abduggå
D=61
)d`s e`shrtel` nh cd acdush E.()d`s e`shrtel` nh cd acdush EE.(
5 %bduggd'h æ der pucså nerhat5
%bduggd'h ah`trdceså s+st$jh derLder)d`s e`shrtel` nh cd acdush EEE.()d`s e`shrtel` nh cd acdush EF.(
5 6l<ch orcd`t u` aljousteoch quhcal`quh.
EE! ( &hs e`stdccdtel`s åchatrequhs ;
Cd jduvdesh qudcetå n―u`h e`stdccdtel` åchatrequh ht sd våregeadtel` errå'uce$rh phuvh`t <trh cd adush n―u` nåout n―e`ah`neh. %―hst plurqule chsdssurhurs dttdabh`t u`h 'rd`nh ejplrtd`ah æ ah aret$rh ht pråvleh`t nhs rdodes lu nhs jd0lrdtel`s dge` n―e`aethr c―dssurå æ rådceshr u`h e`stdccdtel` nhqudcetå ht æ cd al`shrvhr pdr nhs våregeadthurs pårelnequhs.Chs jd0lrdtel`s ht rdodes sh pråsh`th`t aljjh suet 1
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 10/42
46
^'&"X N"# JGL_^EL@# "^ _'E# $LX_ "&"A^_EAE^"
E`stdccdtel` #d`atel`s dppceadochs
_åpl`nd`t du" prhsareptel`s rå'chjh`tderhs ht våregeåh rå'uce$rhjh`t pdr u` lr'd`esjh spåaedceså 9=1_åpl`nd`t shuchjh`t du" prhsareptel`s rå'chjh`tderhs 6
/h råpl`nd`t pds du" prhsareptel`s rå'chjh`tderhs D=1
EE!=9 prlthatel` ht prå)h`tel` ;
H` resquhs n―h`trhpresh, cd tdregeadtel` hst åtrlethjh`t ceåh du" jhsurhs nh pråvh`tel`, phrjhttd`t u`h prlthatel` nerhath ht datevh al`trh c―e`ah`neh.
Cd pråvh`tel` d plur out nh rånuerh cd prlodoecetå nh nåacdrdtel` nh se`estrh ht n―h` cejethr chs al`såquh`ahs.
-d`s ch tdochdu ae5nhsslus hst e`nequåh cd sd`atel` tdregderh dppceadoch du tdu" nh cd 'drd`teh nh odsh shcl` chs jl+h`s nh prhjehrs shalurs presal`trh ch ghu 1
Jlh`s nh prh*ehrs shalurs
#d`atel` tdre-derh Acdushs
> e`sårhr #d`s e`stdccdtel` nhnåthatel` dutl*dtequh
)ha e`stdccdtel` nhnåthatel` dutl*dtequh
#d`s e`stdccdtel` n+hxte`athurs *loechs JGL_^EL@
)d`s _E( 461 9
(vha _E( = 1 @åd`t EE!'
)ha e`stdccdtel` n+hxte`athurs *loechs _'E#
)d`s _E( @åd`t 2 1 E!'
(vha _E(21 4=1
E!' EE!'
"xutlerhs nh -u*åh ht nh a,dchur ?1 EEE!'
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 11/42
44
0 46J '
6dr decchurs, cd tdregeadtel` n―u` resquh prltå'å pdr u`h e`stdccdtel` n―h"te`atel` dutljdtequh æ hdu !)6_E/@CH_# råsucth nh c―dnnetel` nhs tdu"suevd`ts 1
• ^dux nh odsh ; ah tdu" hst ge"å æ abdquh ruorequh æ cd ( alrrhspl`nd`t du tdu" prlprh dppceadoch æ cd 'drd`teh, aluvrd`t chs nljjd'hsohdualup pcus plrtd`t, jdes phu gråquh`t, que råsucth`t n―u`h jesh h` åabha nh c―e`stdccdtel` nh spre`Vchrs.
• ^dux n+dusth*h`t ; ah tdu" hst nhste`å æ aluvrer chs nljjd'hs laadsel``ås clrs n―u` gl`atel``hjh`t sdtesgdesd`t nh c―e`stdccdtel` nh
spre`Vchrs h` ads n―e`ah`neh. Ec hst ge"å æ 6!.6‶.
• _dodes ; u`h e`stdccdtel` n―u` spre`Vchr al`glrjh du" r$'chs h` ve'uhur hst sd`atel``åh pdr u` rdodes nh :61.
EE!39 al**u`dutå al`te/uKtå prlxe*etå ;
X` lu pcusehurs resquhs phuvh`t sh trluvhr æ prl"ejetå n―u` resquh vlese` plur chquhc cd prlodoecetå nh survh`d`ah n―u` se`estrh hst supårehur ht nl`t
cd prejh hst pcus åchvåh, cd pråsh`ah nh M ah resquh d//rd)d`t C phut h`trd&`hr u`h jd0lrdtel` nh prejh nu gdet nh cd plsseoch aljju`eadtel`n―e`ah`neh du resquh dssurå.
D. N#e"etel" ;
_esquhs neste`ats ;
-hu" resquhs sl`t nets neste`ats clrsqu―ecs sl`t såpdrås pdr u` hspdah tltdchjh`t ceorh supårehur æ >;j.
Al**u`dutå ;
-hu" resquhs sl`t nets aljju`s clrsqu―ecs sh trluvh`t nd`s u` j<jh oGtejh`t lu nd`s u` 'rluph nh oGtejh`ts nl`t chs jurs såpdrdtegssl`t sejpchs.Ch resquh pdsseoch nu tdu" ch pcus åchvå phut <trh h`ghrjå nd`s u` aljpdrtejh`t æ c―åprhuvh nu ghu !%HN#.
'O
D
D O
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 12/42
4?
3 46 j
Al`te/uKtå ;
-hu" resquhs sl`t nets al`te'us clrsqu―ecs sl`t såpdrås pdr 1
• X` jur såpdrdteg lrne`derh.
• X` jur såpdrdteg aluph5ghu B)%N.
J` net qu―ecs sl`t al`te'us dvha aljju`eadtel` s―ecs h"esth`t nhs luvhrturhs aluph5ghu !plrths aluph ghu#, lu oeh` sd`s aljju`eadtel` h̀c―dosh`ah n―luvhrturh.
J#L J#A5 J#L lu J#A5!)d`s aljju`eadtel`# !)d`s aljju`eadtel`# !(vha aljju`eadtel`#
$rlxe*etå ;
-hu" resquhs sl`t nets prlabhs clrsqu―ecs sl`t såpdrås pdr u` hspdah tltdchjh`t ceorh e`gårehur æ >;j.
$. _âichs nh tdree!dtel" ;_âich "%& ; $rlprh dux resquhs neste`ats ht al`te/us pdr nhs J#A5 sd`s lu)hrturh!
« %bdau` nh shs resquhs hst pdsseoch nh sl` tdu" prlprh ht duau` n―h`trh hu" `―hst e`gcuh`aå pdr ch tdu" nh c―dutrh .
hst ch tdu" dppceadoch æ c―h`shjoch nh resquhs !oGtejh`ts ht chur al`th`u# hst å'dch æ cd sljjh nhs tdu" prlprhs dppceadochs du" neggårh`tsal`th`us pl`nårås pdr chs plurah`td'hs quh abdau` n―hu" rhpråsh`th nhs adpetdu" dssurås lu `l`.
D OD O D O
'
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 13/42
41
_âich "%' ; (rl)rh dux resquhs al**u`s al`te/us pdr J#L 8d)ha lu sd`s lu)hrturh prltå/å7 al`te/us pdr J#A5 8d)ha lu)hrturh prltå/å7al**u`s d)ha Al*pdrte*h`t > c+"prhu)h nu 5hu 8A"574 prla,hs!
)leh`t nhu" resquhs ( ht K thc quh 1
t( hst ch tdu" prlprh nh ( d''rdvå pdr K.tK hst ch tdu" prlprh nh K L tK T t( .
Hstejl`s n―dolrn cd pdrt nhs nhu" resquhs ( ht K nd`s c―h`shjoch nh resquhs !oGtejh`ts ht churs al`th`us# h` jdte$rh nh adpetdu" dssurås.
/ltl`s 6( cd pdrt nu resquhs (, 6K cd pdrt nu resquh K.
#e $' hst supårehur > $ ; c―h`shjoch nh resquhs hst pdsseoch nu tdu" nu resquh d''rdvd`t K. ^ t'
#e $' hst e`-årehur > $ ; J` adcauch 6K " tK
#e $' x t' hst supårehur > t ; c―h`shjoch nh resquhs hst pdsseoch nu tdu" 6K " tK . ^ $' x t'
#e`l` 8#e $' x t' hst e`-årehur > t 7; c―h`shjoch nh resquhs hst pdsseoch nu tdu" t( . ^ t
4 Ch aljpdrtejh`t æ c―åprhuvh nu ghu nlet <trh nhste`å æ eslchr, æ c―e`tårehur n―u` oGtejh`t, u`h datevetå lu u` stlaVd'h d''rdvd`t.
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 14/42
4>
EE!2! NEH"_#
D. Ch stl!*dih nh ird"nh +duthur ;
Ch stlaVd'h vhrteadc nh prlnuets !å'dchjh`t dpphcå 'hrod'h# hst tr$s råpd`nu surtlut h` h`trhpts. -h thcs d'h`ahjh`ts d''rdvh`t ch resquhn―e`ah`neh, adr ch ghu hst `dturhcchjh`t dtterå vhrs ch bdut !cd al`vhatel`#, nh pcus, cd pråvh`tel` nh odsh !h"te`athur, _E(# phut s―dvårhr e`hggeadahgdah æ u` se`estrh sh nåvhclppd`t æ pcusehurs j$trhs nh bduthurs. C―d''rdvdtel` hst rådcesåh clrsquh ch sljjht nhs jdrabd`neshs sh trluvh æ pcusnh =,8 j nu slc.
6dr al`såquh`t, chs dssurhurs sh jl`trh`t prunh`ts ht plur 'drd`ter nh thcchs e`stdccdtel`s, ejplsd`t 'å`årdchjh`t u`h pråvh`tel` clurnh thcchquh nåthatel`, h"te`atel` dutljdtequh,?. Ht pråvleh`t chs jd0lrdtel`s suevd`ths 1
• /l` våregeadtel` nhs e`stdccdtel`s åchatrequhs 1 u`h sd`atel` hst pråvuh plur ah ads nh ge'urh pdr u`h jd0lrdtel` je`ejdch nh ?61.
• (osh`ah nh prlthatel` pdr u`h e`stdccdtel` n―h"te`atel` dutljdtequh æ hdu 1 plur ch ads l cd bduthur nh stlaVd'h `―h"aånh`t pds chs 9j, u`h
jd0lrdtel` je`ejdch nh 4661 hst dppcequåh. (u5nhcæ, cd sd`atel` pdssh æ .661.
_h*drquh ; chs rdodes plur jl+h`s nh prhjehr shalurs `h s―dppcequh`t pds du" stlaVd'hs nh pcus nh 9j.
A. D!!ujucdtel" nh ,dchurs ;
C―daaujucdtel` nh vdchurs h"plsåhs æ u` j<jh se`estrh al`stetuh u`h d''rdvdtel`.)l`t al`senårås aljjh h"plsås æ j<jh se`estrh 1
-
Chs resquhs aljju`s.- Chs resquhs prlabhs lu chs resquhs al`te'uQs dvha luvhrturhs.)e cd vdchur nu al`th`u nh thcs resquhs `―h"a$nh pds > jeccedrn nh -(, duau`h jd0lrdtel` `―hst æ dppcequhr du tetrh nh c―daaujucdtel` nh vdchurs. (unhssus nh ahtth cejeth, chs tdu" dppceadoch du" oGtejh`ts ht æ churs al`th`us nlevh`t <trh jd0lrås al`glrjåjh`t du odr$jh ae5dpr$s 1
Hdchur nu al`th`u h` N Jdlrdtel`
^usqu―æ 8.2 jeccedrns -(
-h 8.2 jeccedrns -( æ 2 jeccedrns -(
-h 2 jeccedrns -( æ jeccedrns -(
6cus nh jeccedrns -(
@åd`t
=1
461
.61
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 15/42
48
EEE. -lnh nh !dc!uc nu tdu "ht ;
Ch tdu" `ht n―u` resquh nl``d`t cehu tlut æ cd gles æ jd0lrdtel`s ht rdodes nlet <trh adcaucå aljjh suet, h` pdrtd`t nu tdu" nh odsh ge"å æ cd tdregeadtel`d`dc+tequh nl`t ec rhc$vh 1
>. (ppceadtel` nhs jd0lrdtel`s tltdcesåhs rhcdtevhs du" aret$rhs nh tdregeadtel`.8.
)ur ch tdu" de`se loth`u, dppceadtel` suaahssevh nhs rdodes rhcdtevhs du" aret$rhs nh tdregeadtel`.D.
-d`s ch ads l ch resquh hst prltå'å pdr u` )pre`Vchr, l` dnnetel``h du tdu" loth`u ch tdu" n―d0usthjh`t !;.8; W#7. (ppceadtel` nhs nesplsetel`s tdregderhs rhcdtevhs æ cd aljju`dutå, al`te'uYtå ht prl"ejetå nh resquhs.2.
Clrsquh c―åtdocesshjh`t hst aljplså nh pcusehurs resquhs, adcauc nu tdu" jl+h` que `―hst dutrh quh cd jl+h``h nhs tdu" `hts nhs neggårh`tsoGtejh`ts pl`nårås pdr churs adpetdu" rhsphategs.
#AB"J NX ^XI N" $_EJ" N" & %_@^E" N" '#"
Bd0lrdtel`s ht rdodes
%ljju`dutå, al`te'uYtå, prl"ejetå
Bl+h``h nhs tdu" ̀ hts pl`nårås pdr chs adpetdu"
^dux nh odsh
^dux prlprh
^dux `ht diirdvå _4
^dux `ht
^dux `ht _?^dux `ht _1
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 16/42
47
"xh*pch ;
)let u`h h`trhpresh e`nustrehcch nh gdoreadtel` nh pGths dcejh`tderhs ht nh shjluch sh setud`t nd`s u` j<jh seth jdes du `evhdu nh nhu" oGtejh`tsneggårh`ts. Cd nestd`ah h`trh chs nhu" oGtejh`ts hst nh pcus nh >; j.
⇟ #h*luchreh ;
C―åtdocesshjh`t hst al`stetuå n―u` oGtejh`t de`se qu―u` hspdah nh stlaVd'h nl`t chs adrdatårestequhs sl`t chs suevd`ths 1
• Cd al`struatel` 1
RCh oGtejh`t nh prlnuatel` hst al`stetuå nh neggårh`ts jdtåredu" lr oles lu pcdstequh æ > `evhdu ht dvha djå`d'hjh`t nh t+ph >.
RC―hspdah nh stlaVd'h hst al`stetuå n―u`h aluvhrturh h` tuech ht ch rhsth h` jd4l``hreh æ u` shuc `evhdu ht dvha djå`d'hjh`t nh t+ph >.
• Ch abduggd'h hst dssurå pdr u`h e`stdccdtel` nh abduggd'h æ aljousteochs nd`s ch oGtejh`t !rhsphatd`t cd acdush E.(#, c―hspdah nh stlaVd'h `―hst pdsåquepå n―u`h e`stdccdtel` nh abduggd'h.
• Chs e`stdccdtel`s åchatrequhs sl`t al`glrjhs du" prhsareptel`s rå'chjh`tderhs jdes `h sl`t pds våregehr rå'uce$rhjh`t.
• X`h e`stdccdtel` n―h"te`athurs jloechs u`equhjh`t.
• Ch oGtejh`t nh prlnuatel` sh setuh æ j nh c―hspdah nh stlaVd'h.
Chs adpetdu" dssurås sl`t nh 1
• Ch oGtejh`t nh prlnuatel` hst nh 72 ;;; ;;; -(.
• C―hspdah nh stlaVd'h hst nh >2 ;;; ;;; -(.
⇟
5doreadtel` nh pths dce*h`tderhs ;
C―åtdocesshjh`t hst al`stetuå n―u` oGtejh`t nh gdoreadtel` nh pGths dcejh`tderhs dvha u` hspdah nh stlaVd'h nd`s ch j<jh oGtejh`t nl`t chs
adrdatårestequhs sl`t chs suevd`ths 1
• Cd al`struatel` 1 ch oGtejh`t hst al`stetuå pre`aepdchjh`t nh jd4l``hreh æ 8 `evhdu" ht dvha djå`d'hjh`t nh t+ph >.
• Cd :l`h nh prlnuatel` sh trluvh du >hr åtd'h ht c―hspdah nh stlaVd'h du rh:5nh5abdussåh.
• Ch abduggd'h hst dssurå pdr u`h e`stdccdtel` nh abduggd'h ah`trdceså nd`s u` cladc spåaedc.
• Chs e`stdccdtel`s åchatrequhs sl`t al`glrjhs du" prhsareptel`s rå'chjh`tderhs.
• X`h e`stdccdtel` n―h"te`athurs jloechs ht _E(.
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 17/42
49
Chs adpetdu" dssurås sl`t nh 1
• Ch oGtejh`t nh prlnuatel` hst nh 2; ;;; ;;; -(.
• C―hspdah nh stlaVd'h hst nh 8; ;;; ;;; -(.Ch adcauc nu tdu" `ht s―hgghatuh nh cd jd`e$rh suevd`th 1
⇟
#h*luchreh ;
^dux nh odsh alrrhspl`nd`t > cdate)etå hxhraåh 4!=6
$drt nh cdthcehr VV 2= 1
^dux nh odsh alrrhspl`nd`t du stlaTd/h 4!66
$drt nh chspdah nh stlaTd/h V#V .= 1
Nestd`ah h`trh c+dthcehr ht c+hspdah nh stlaTd/h : *Cd sd`atel` tdregderh æ dppcequhr du KGtejh`t nh prlnuatel` ht æ c―Hspdah nh stlaVd'h !n―dpr$s chs råpl`shs nu quhstel``derh htLlu ch rdpplrt nhveseth nh resquh# hst aljjh suet 1
'te*h`t nh prlnuatel` "spdah nh stlaTd/h
#d`atel` ^dux sd`atel` Hdchurs > e`trlnuerh #d`atel`
Al`struatel` 8;O ;.D; 58;O 5;.8;
A,du--d/h 82O ;.D ;O 5
#d`atel` tdre-derh rhcdte)h dux e`stdccdtel`s åchatrequhs ;O 5 ;O 5
#d`atel` tdre-derh rhcdte)h dux *lh`s nh prh*ehrs shalurs ;O 5 ;O 5
&h tltdc nhs tdux nu > cd sd`atel` 6!3: 96!.6
Ch tdu" prlprh shrd nl`a 1
6lur c―dthcehr nh prlnuatel` 1 ;.3 W A >.2; W U 8.> W 6lur c―hspdah nh stlaVd'h 1 5;.8; W A >.;; W U ;.; W
Cd nestd`ah h`trh ch oGtejh`t ht c―hspdah nh stlaVd'h åtd`t nh j, l` dppcequh chs r$'chs nh aljju`dutå, al`te'uYtå ht prl"ejetå 1
Ch tdu" prlprh nh ( T Ch tdu" prlprh nh ), ( d''rdvh ) ht 6!(#T6!)# nl`a c―h`shjoch nhs nhu" resquhs hst pdsseoch nu tdu" d''rdvd`t ( 1
^dux `ht > rhth`er plur cd sh*luchreh .!4:
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 18/42
42
⇟ $ths dce*h`tderhs ;
^dux nh odsh alrrhspl`nd`t > cdate)etå hxhraåh 6!=6
$drt nh cdthcehr VV 24!? 1^dux nh odsh alrrhspl`nd`t du stlaTd/h 4!66
$drt nh chspdah nh stlaTd/h V#V .:!3 1
Nestd`ah h`trh c+dthcehr ht c+hspdah nh stlaTd/h 6 *
Cd sd`atel` tdregderh æ dppcequhr du KGtejh`t nh prlnuatel` ht æ c―Hspdah nh stlaVd'h !n―dpr$s chs råpl`shs nu quhstel``derh htLlu ch rdpplrt nhveseth nh resquh# hst aljjh suet 1
'te*h`t nh prlnuatel` "spdah nh stlaTd/h
#d`atel` ^dux sd`atel` Hdchurs > e`trlnuerh #d`atel`
Al`struatel` ;O ; ;O ;
A,du--d/h ;O ; ;O ;
#d`atel` tdre-derh rhcdte)h dux e`stdccdtel`s åchatrequhs ;O ; ;O ;
#d`atel` tdre-derh rhcdte)h dux *lh`s nh prh*ehrs shalurs 5=O 5;.;7 5=O 5;.;=
&h tltdc nhs tdux nu > cd sd`atel` 96!6 96!62
Ch tdu" prlprh shrd nl`a 1 6lur c―dthcehr nh prlnuatel` 1 5;.;7 W A ;.2; W U ;.7= W t!(#
6lur c―hspdah nh stlaVd'h 1 5;.;= W A >.;; W U ;.9D W t!)#
Ch oGtejh`t ht c―hspdah nh stlaVd'h åtd`t nd`s ch j<jh oGtejh`t, l` dppcequh chs r$'chs nh aljju`dutå, al`te'uYtå ht prl"ejetå 1
t!)# T t!(#, ) d''rdvh ( jdes 6!)#[6!(#. J` adcauch nl`a 6!)#Rt!)# 1
6!)#Rt!)# U >9.7O R ;.9D U ;.> [ t!(# U ;.7= W. -l`a c―h`shjoch nhs nhu" resquhs hst pdsseoch nu tdu" nh ( 1
^dux `ht > rhth`er plur c+use`h nhs pths dce*h`tderhs 6!2
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 19/42
45
Ch tdu" `ht 'clodc hst adcaucå pdr cd jl+h``h nhs tdu" `hts pl`nårås pdr cd pdrt nh abdau` nd`s c―h`shjoch nhs adpetdu" dssurås1
• Cd pdrt nh cd shjluchreh U !72 ;;; ;;; A >2 ;;; ;;;# L !72 ;;; ;;; A>2 ;;; ;;; A2; ;;; ;;; A 8; ;;; ;;;# U 73.>2 O
• Cd pdrt nh cd gdoreadtel` nhs pGths dcejh`tderhs U !2; ;;; ;;; A 8; ;;; ;;;#L !72 ;;; ;;; A>2 ;;; ;;; A2; ;;; ;;; A 8; ;;; ;;;# U 2D.2O
du" /ht clodcU ]!8.>R73.>2O# A !;.7=R2D.2O#S L >;; U >.82W
N+l u` tdux `ht > dppcequhr sur ch tltdc nhs adpetdux dssurås 8)ler 4?6 666 666N7 nh 4!.=
&d pre*h `htth shrd nl`a nh 4!.= Q 4?6 666 666 43? 6=6 N!
# te &"# %_@^E"# "@ @@"I"
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 20/42
?6
#hatel` ? ; &"# %_@^E"# "@ @@"I" ;
E. Hth"sel" / n6dutrhs #,#"hjh"ts
E !4 A,la lu a,uth n+dppdrhec nh `d)e/dtel` dåreh``h lu n+h`/e`s spdtedux a,la nh )å,eauchs thrrhstrhs;
d.
%bla lu abuth n―dppdrhec nh `dve'dtel` dåreh``h lu n―h`'e`s spdtedu" 1
Cd 'drd`teh nhs nljjd'hs jdtårehcs, dutrhs quh n―e`ah`neh lu n―h"pclsel`, adusås du" oeh`s dssurås pdr ch abla lu cd abuth sur chs oeh`s nh tlutlu pdrteh n―dppdrhecs nh `dve'dtel` dåreh``h ht n―h`'e`s spdtedu" lu n―lo0hts tljod`t nh ahu"5ae, phut <trh daalrnås nd`s chs al`netel`s ae5dpr$s!%# .
o. %bla nh våbeauchs thrrhstrhs 1
C―dssurhur 'drd`tet chs nljjd'hs jdtårehcs nerhats adusås du" oeh`s dssurås pdr ch abla n―u` våbeauch thrrhstrh enh`tegeå ht al`nuet pdr u`hphrsl``h dutrh quh c―dssurå ht nl`t ah nhr`ehr `―hst pds aevechjh`t rhspl`sdoch, slus cd al`netel` ae5dpr$s !%# 1
a.
%l`netel`s nh 'drd`teh 1
• (ssehtth nh prejh 1 adpetdu" dssurås du tetrh nh cd 'drd`teh nh odsh.
• ^dux ; 66?.E !. ^h*p<ths /r<ch e`l`ndtel`s ht `he/h sur chs tleturhs;
C―dssurhur 'drd`tet chs nljjd'hs jdtårehcs adusås du" oeh`s dssurås pdr c―datel` nerhath « nhs thjp<ths, nh cd 'r<ch, nhs e`l`ndtel`s ht nu plensnh cd `he'h sur chs tleturhs clrsquh ahs pbå`lj$`hs l`t u`h e`th`setå thcch qu―ecs nåtruesh`t, oresh`t lu h`nljjd'h`t u` ahrtde` `ljorh nhoGtejh`ts nh ol``h al`struatel` nd`s cd aljju`h nu resquh se`estrå lu nd`s chs aljju`hs dvlese`d`ths.%htth 'drd`teh s―åth`n, h` lutrh, du" nljjd'hs nh jluecch adusås pdr cd pcueh, cd `he'h lu cd 'r<ch clrsquh ahcchs5ae på`$trh`t æ c―e`tårehur nuoGtejh`t dssurå adusd`t sd nhstruatel` pdrtehcch lu tltdch æ al`netel` quh chs nljjd'hs nh jluecch deh`t pres `dessd`ah nd`s chs 7b suevd`t chjljh`t nh cd nhstruatel` pdrtehcch lu tltdch nu oGtejh`t dssurå.
%l`netel`s nh 'drd`teh 1
• (ssehtth nh prejhs 1 adpetdu" dssurås du tetrh nh cd 'drd`teh nh odsh.
• du" 1 6!6= plur chs oGtejh`ts nl`t cd alu)hrturh hst h` oåtl`.6!62 plur chs dutrhs oGtejh`ts.
E ? aths nh thrrlres*h ht nh sdoltd/h å*huths ht *lu)h*h`ts plpucderhs ;
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 21/42
?4
E !? aths nh thrrlres*h ht nh sdoltd/h å*huths ht *lu)h*h`ts plpucderhs ;
)l`t dssurås chs nljjd'hs jdtårehcs n―e`ah`neh lu n―h"pclsel` adusås du" lo0hts dssurås råsuctd`t nerhathjh`t n―u` dath nh sdoltd'h ht nhthrrlresjh, clrs n―u` trluoch æ c―lrnrh puocequh lu `l`, aljjes pdr nhs phrsl``hs jhjorhs n―u`h lr'd`esdtel` lu `l` nl`t c―lo0hateg hst chrh`vhrshjh`t n―u` 'luvhr`hjh`t nh nrlet lu nh gdet, pdt ch thrrlresjh lu cd velch`ah.
C―dssurhur 'drd`tet å'dchjh`t chs nljjd'hs jdtårehcs n―e`ah`neh lu n―h"pclsel` adusås nerhathjh`t du" lo0hts dssurås 1
6dr nhs phrsl``hs prh`d`t pdrt æ nhs åjhuths lu nhs jluvhjh`ts plpucderhs Z
6dr tluth dutlretå cå'dchjh`t al`stetuåh, nu gdet nhs jhsurhs preshs æ c―laadsel` nhs åvå`hjh`ts ae5nhssus å`ujårås plur cd sduvh'drnhlu cd prlthatel` nhs lo0hts dssurås.
%l`netel`s nh 'drd`teh 1
• (ssehtth nh prejhs 1 adpetdu" dssurås du tetrh nh cd 'drd`teh nh odsh.
• du" 1 6!?6. !shcl` chs r$'chs nhs trdetås nh rådssurd`ah#
•
E ! aaenh`ts dux dppdrhecs åchatrequhs ht åchatrl`equhs ;
d.
Hvå`hjh`ts ht oeh`s dssurås 1
C―dssurhur 'drd`tet chs dppdrhecs, jdabe`hs, jlthurs åchatrequhs ht åchatrl`equhs, churs daahsslerhs pdrteaepd`t du" tdabhs nh prlnuatel`s lun―h"pcletdtel`, de`se quh chs ad`dcesdtel`s åchatrequhs !dutrhs quh chs ad`dcesdtel`s h`thrråhs aIhst5æ5nerh ahcch nl`t c―daa$s `åahsseth nhs trdvdu" nhthrrdsshjh`t# al`trh 1
Chs nljjd'hs nus æ u` e`ah`neh lu æ u`h h"pclsel` d+d`t pres `dessd`ah æ c―e`tårehur nh ahs lo0hts Z Chs daaenh`ts n―lrnrh åchatrequhs dgghatd`t ahs lo0hts, + aljpres chs nljjd'hs nus æ cd abuth nh glunrh lu æ c―e`gcuh`ah nh c―åchatreaetå
dtjlspbårequh.
o.
%l`netel`s nh 'drd`teh 1
• (ssehtth nh prejh 1 vdchur n―usd'h nh cd tltdcetå nu jdtårehc dssurå du tetrh nh cd 'drd`teh nh odsh qu―ec slet lu `l` åchatrequh.
• du" 1
• _$'ch prlplrtel``hcch dppceadoch sur cd odsh nh c―dssehtth nh prejh du tetrh nh cd 'drd`teh nh odsh.
Cejetdtel` !h` O nhc―dssehtth nh prejh#
> 8.2 2 >; >2
du" !h` W# 6!62 6!4. 6!4: 6!.= 6!?=
oc
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 22/42
??
E!= ^rh*och*h`t nh thrrh ;
d. Hvå`hjh`ts ht oeh`s dssurås 1
C―dssurhur 'drd`tet chs nljjd'hs jdtårehcs n―e`ah`neh lu n―h"pclsel` adusås nerhathjh`t du" oeh`s dssurås pdr 1 X` trhjochjh`t nh thrrh, aIhst5æ5nerh c―h`shjoch nhs pbå`lj$`hs ceås æ cd någlrjdtel` nh c―åalrah thrrhstrh h` u` cehu, nd`s cd jhsurh l
ecs sl`t phr4us pdr cd plpucdtel` htLlu pdr chs sesjl'rdpbhs Z
X`h åruptel` vlcad`equh Z
Ju pdr u` rd:5nh5jdråh, s―ec hst al`såauteg æ u` trhjochjh`t nh thrrh lu æ u`h åruptel` vlcad`equh, slus råshrvh qu―u` ahrtde` `ljorh nhoGtejh`ts sleh`t nåtruets lu h`nljjd'ås æ c―laadsel` nu j<jh åvå`hjh`t.
Ch abla sesjequh e`etedc ht chs råpcequhs survh`d`t nd`s u` nåcde nh =8 bhurhs sl`t al`senårås aljjh al`stetud`t u` shuc ht j<jhtrhjochjh`t nh thrrh.
o.
%l`netel`s nh 'drd`teh
•
(ssehtth nh prejh 1 adpetdu" dssurås du tetrh nh cd 'drd`teh nh odsh.• Ch tdu" nh odsh hst rhpråsh`tå nd`s ch tdochdu suevd`t n―dpr$s cd :l`h sesjequh 1
[L@H 6 [L@H 4 [L@H ?d [L@H ?o [L@H 1
Al`struatel` al`glrjh dux _VD vhrsel` ?661 6.16 6.1? 6.19 6.>6 6.>>
Al`struatel` al`glrjh dux _VD d`tårehurs 6.16 6.1> 6.15 6.>1 6.>5
Al`struatel` `l` al`glrjh lu `l` våregeåh 6.16 6.19 6.>9 6.86 6.76
A&##E5EA^EL@ #E#JEWX" N"# YE&F# "^ ALJJX@"# N+&%"_E"
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 23/42
?1
A&##E5EA^EL@ #E#JEWX" N"# YE&F# "^ ALJJX@"# N &%"_E"
YECDCUDQ LX ALJJX@HQ [L@H QUQJETXH
(-_(_ 6
%*CHN
%rluph nh al**u`hs EEEluths chs aljju`hs dutrhs quh ahcchs ge'urd`t du 'rluph nh
aljju`hs K ht %
%rluph nh al**u`hs ' EEo
Hc Vdrejed, *drablu`, sh`n0ds, Jluhn sc+, KluVdner
%rluph nh al**u`hs A EEd
Juhn Kh` (on Hc @dnhr *dn0dn0
C(*JX( E
JXB HC KJX(*E E
K(/( E
KH^(E( EEd
KE)@_( E
KH%*(_ 6
KCE-(%rluph nh al**u`hs EEE
luths chs aljju`hs dutrhs quh ahcchs ge'urd`t du 'rluph nhaljju`hs K
%rluph nh al**u`hs ' EEo
Bhgtdb, -0hodord, *djjdj Bhcluh`h, (e` _ljd`d
KJXE_( EEd
(BH/_())H 6
HKH))( E
CHB%H/ E
E(_H E
EPE JXPJX
%rluph nh al**u`hs EEo
Be:rd`d
YECDCUDQ LX ALJJX@HQ [L@H QUQJETXH
%rluph nh al**u`hs ' EEd
luths chs aljju`hs dutrhs quh ahcchs ge'urd`t du 'rluph nh
aljju`hs ((CH_ EEE
-^HCN( E
^E^HC EEd
)HEN EEd
)(E-( E
)@E@-( EEd
)E-E KHC5(KKH) E(//(K( EEd
XHCB( EEd
%J/)(/E/H EEd
BH-H(
%rluph nh al**u`hs EEo
Hc bdjnd`ed, Bhnhd, djhs'uend
%rluph nh al**u`hs ' EEd
luths chs aljju`hs dutrhs quh ahcchs ge'urd`t du 'rluph nhaljju`hs ( ht %
%rluph nh al**u`hs A E
Klu (eabh, %bdbolu`ed, Klu'b:luc, )drh', Bhgtdbd, JuchnBdrhg, Hc (lu`ht, (e` Kluaeg, )ene -djhn, (e` JuVser, %bh`e'uhc
BJ)((/HB
%rluph nh al**u`hs EEE
Juchs Klu'bdchj, (abddabd, @bdnrd, /hVjdred
%rluph nh al**u`hs ' EEo
)ene CdVbndr, ds'bdet, Juchn Bddcdb
%rluph nh al**u`hs A EEd
luths chs aljju`hs dutrhs quh ahcchs ge'urd`t du 'rluph nhaljju`hs ( ht K
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 24/42
?>
YECDCUDQ LX ALJJX@HQ [L@H QUQJETXH
B―)EC(
%rluph nh al**u`hs EEd
Kh`e Ecjd`h, Ju`lu'bd, *djjdj -dcdd, drjlu`t, JuchnBd`slur, B―secd, B―tdrgd, Bddnen, Juchn -hrrdn0, Juchn (nne,-dbdb`d, Khrbluj, (e` @dnrd, Bd'rd, Khcdeod
%rluph nh al**u`hs ' E
luths chs aljju`hs dutrhs quh ahcchs ge'urd`t du 'rluph nhaljju`hs (
B()%(_(
%rluph nh al**u`hs EEd
luths chs aljju`hs dutrhs quh ahcchs ge'urd`t du 'rluph nhaljju`hs K
%rluph nh al**u`hs ' E
(e` Ndrhs, (e` ghVrd`, Klubd`eged, uhrn0lu, Juhn dred, bres,Kh`de`, BlVbnd, (lug, bdrlus, /hsjlt, B―bdjen, *dabhj,Juhn Hc (otdc, (e` Nhrrdb
JX(_C( 6
J_(/ EEdHC K(\(-* E
ECCEPE 6
KJ_-^ KJX (__H_E-^ EEd
KJXBH_-H)
%rluph nh al**u`hs EEEluths chs aljju`hs dutrhs quh ahcchs ge'urd`t du 'rluph nh
aljju`hs K ht %%rluph nh al**u`hs ' EEo
(ger, Kh`ablun, dluhr'd, Kd'bced, Juhn (essd, /daered, Klrn0Bh`dec, Esshr, Kh`e (jrd`h, )luV Hc *dn, Klu:h':d @hndr, Hc@bdrluod, Cdrodtdabh, @bjes Hc @bhab`d, Juchn Blussd,*djjdne.
YECDCUDQ LX ALJJX@HQ [L@H QUQJETXH
%rluph nh al**u`hs A EEd
ejh:ret, (jjdc, %bddoht Hc (jhur
HC (_N EEd
E/-JXN 6E))HB)EC EEd
HC JXH- 6
@*H/%*HC( E
)JX@ (*_() E
E6(P( EEE
BEC( EEd
(E/ -HNC(%rluph nh al**u`hs EEE
dabhtd, Plu'd'bd, Hc (odned, (e` Klu+dbed, Hc (ttdg
%rluph nh al**u`hs ' EEo
Hc (jrd, BhVbtdred, (reo, _lue`d, (e` -hgcd, Klurdsbhn,Phnne`h, eohrVd`e`h, )h` (ccdb, Bhced`d, (e` lrVe, *djjdj_e'bd, (e` Kh`ed`, *luahe`ed, Klujdngdd
%rluph nh al**u`hs A EEdluths chs aljju`hs dutrhs quh ahcchs ge'urd`t du 'rluph ( htK
/((B( E
(E/ HBJX%*H/ EEd
*(_-(E( 6
_HCEP(/H
%rluph nh al**u`hs EEEBhnelu`d, )ene B―bdjhn oh` (ce, Bd:lu`d, Hc uhttdr
%rluph nh al**u`hs ' EEo
Bhrn0d )ene (ohn, Juhn _belu, Judrt:h`:, -0enelued, *djre,Kh`e Ph`tes
%rluph nh al**u`hs A EEd
luths chs aljju`hs dutrhs quh ahcchs ge'urd`t du 'rlup
EE. Hth"sel" / n6dutrhs oeh"s ;
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 25/42
?8
EE !4 Loht nh )dchur ;
%htth 'drd`teh hst u`h h"acusel` rhcdtevh. Hcch `h phut <trh daalrnåh sd`s daalrn prådcdoch nh cd -erhatel` ah`trdch al`ahr`åh.
« )l`t dssurås du tetrh nh ahtth 'drd`teh chs nljjd'hs jdtårehcs adusås du" lo0hts nh vdchur nl`t ch jl`td`t nåpdssh chs D;O nu adpetdc dssurå
!oe0lu", pehrrhrehs, phrchs ge`hs, stdtuts ht tdochdu" nh vdchur, alcchatel`s, lo0hts rdrhs ht pråaehu"# .
EE !. supplrts n+e`-lr*dtel`s ;
d. Keh`s dssurås 1
e AlRt nh rhal`stetutel` nhs supplrts n+e`-lr*dtel`s `l` e`-lr*dtequhs ;C―dssurhur 'drd`tet chs alts nh rhal`stetutel` lu nh rhjpcdahjh`t nh tlus supplrts n―e`glrjdtel`s `l` e`glrjdtequhs, thcs quh jln$chs, jluchs,
nhsse`s, luteccd'hs spåaedu", drabevhs, geabehrs, jearlgecjs, hta. aljprh`d`t ch alt nh rhal`stetutel` lu nh rhjpcdahjh`t nhs supplrts jdtårehcs htchs grdes nh rhal`stetutel` ht nh rhplrt nh c―e`glrjdtel`.
ee AlRt nh nupceadtel` nhs supplrts n+e`-lr*dtel`s e`-lr*dtequhs ;
C―dssurhur 'drd`tet chs alts nh nupceadtel` lu nh rhjpcdahjh`t nh tlus supplrts e`glrjdtequhs, thcs quh adrths phrglråhs, od`nhs, nesquhs,nesquhtths, tdjolurs htLlu adsshtths jd'`åtequhs, gecjs, ht h` 'å`årdc, tlut supplrt e`glrjdtequh nå0æ plrthur n―e`glrjdtel`s aljprh`d`t ch altnh nupceadtel` lu nh rhjpcdahjh`t nhs supplrts jdtårehcs ht chs grdes nh rhal`stetutel` ht nh rhplrt nh c―e`glrjdtel`.
o.
%l`netel`s nh 'drd`teh 1
• (ssehtth nh prejh 1 adpetdc ge"å pdr c―dssurå.
• dregeadtel`1 0usqu―æ 2 jeccel`s nh -( nh adpetdc, ahtth 'drd`teh hst daalrnåh sd`s surprejh. (u5nhcæ, cd tdregeadtel` hst råshrvåh du se$'h.
• E`sårhr cd acdush E.%
EEE.
Hth"sel" / nhs rdes ht )hrth ;EEE !4 Bl`lrderhs n+hxphrts ;
C―dssurhur 'drd`tet ch rhjolurshjh`t nhs bl`lrderhs råhcchjh`t pd+ås pdr chs dssurås du" h"phrts qu―ecs durl`t ceorhjh`t ableses nd`s ch adnrh nhc―h"phrtesh djedoch pråvu h` ads nh se`estrh.
%l`netel`s nh 'drd`teh 1
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 26/42
?7
• (ssehtth nh prejh 1 adpetdu" dssurås du tetrh nh cd 'drd`teh nh odsh.
• %htth 'drd`teh hst daalrnåh sd`s surpre*h nd`s cd ce*eth nh =66!66666 Nd.
EEE !. 5rdes nh nåocdes ht nh nå*lcetel`;
C―dssurhur phut 'drd`ter 1
Chs grdes nh nåjlcetel` ht nh nåocdes al`såautegs æ u` åv$`hjh`t 'drd`te d+d`t dtthe`t chs oeh`s dssurås.
Chs grdes h"plsås æ cd sueth nhs jhsurhs al`shrvdtlerhs ejplsåhs pdr nåaesel` dnje`estrdtevhs dpr$s u` åv$`hjh`t 'drd`te d+d`t dtthe`t chsoeh`s dssurås.
%l`netel`s nh 'drd`teh 1
%htth 'drd`teh hst daalrnåh sd`s surpre*h nd`s cd ce*eth nh =1 lu 461 nu *l`td`t nh c+e`nh*`etå pd+åh sd`s quh c―e`nhj`etå tltdch !grdes nh nåocdes ht
nh nåjlcetel` e`acus# puessh h"aånhr ch jl`td`t nu adpetdc dssurå sur chs nets oeh`.
EEE!?! Bl`lrderhs nh nåalrdthurs nh ourhdux n+åtunhs ht nh al`trUch tha,`equh ht n+e`/å`ehreh ;
C―dssurhur phut 'drd`ter chs bl`lrderhs nh nåalrdthurs, nh ourhdu" n―åtunhs ht nh al`trch thab`equh ht n―e`'å`ehreh nl`t c―e`thrvh`tel` shrdet, æ nerhn―h"phrts, `åahssderh æ cd rhal`struatel` lu æ cd råpdrdtel` nhs oeh`s dssurås dtthe`ts pdr u` åv$`hjh`t 'drd`te !chs bl`lrderhs n―drabethaths sl`taljpres nl`t cd 'drd`teh nh odsh, ch rhalurs æ u` drabethath åtd`t loce'dtlerh pdr cd cle#.
%l`netel`s nh 'drd`teh 1
%htth 'drd`teh hst daalrnåh sd`s surpre*h nd`s cd ce*eth nh =1 lu 461 nu *l`td`t nh c+e`nh*`etå pd+åh sd`s quh c―e`nhj`etå tltdch !*l`lrderhs nhnåalrdthurs, nh ourhdu" n―åtunhs ht nh al`trch thab`equh ht n―e`'å`ehreh e`acus# puessh h"aånhr ch jl`td`t nu adpetdc dssurå sur chs nets oeh`.
EEE!! 5rdes nh nåpcdah*h`t ht nh rhcl/h*h`t ;
%htth 'drd`teh rhaluvrh chs grdes nh 'drnh5jhuochs !trd`splrt aljpres#, nh nåpcdahjh`t ht nh råe`stdccdtel` nhs lo0hts 'drd`tes de`se quh 1
• ch suralt rhpråsh`tå pdr cd neggårh`ah h`trh ch cl+hr `luvhdu ht ch cl+hr d`aeh` puesquh ch cladtderh `l` rhspl`sdoch `―hst pcus th`u nh vhrshr
u` cl+hr æ sl` d`aeh` prlpreåtderh ht ch cladtderh rhspl`sdoch oå`ågeaehrd nh cd 'drd`teh « 6hrth nh cl+hr . !%ds nh cladtderh#.• ch suralt rhpråsh`tå pdr cd neggårh`ah h`trh ch cl+hr quh ch prlpreåtderh hst th`u nh pd+hr thjplrderhjh`t ht cd vdchur cladtevh nhs cladu" qu―ec
laaupdet. !%ds nh prlpreåtderh#.
%l`netel`s nh 'drd`teh 1
• (ssehtth nh prejh 1 adpetdc ge"å pdr c―dssurå.
• 6rejh 1 >;O nh cd prejh nh cd 'drd`teh nh odsh.
•
Cejeth nh 'drd`teh 1 >2O nhs adpetdu" dssurås.
EEE!=! $hrths sur d*å`d/h*h`t *loecehrs ht e**loecehrs ;
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 27/42
?9
C―dssurhur phut 'drd`ter cd phrth ge`d`ae$rh råsuctd`t, plur ch cladtderh lu c―laaupd`t, nhs grdes qu―ec d h`'d'å plur rådceshr chs djå`d'hjh`tsejjloecehrs lu jloecehrs, thcs quh chs e`stdccdtel`s prevdtevhs nh abduggd'h lu nh acejdtesdtel`s, de`se quh tlut rhv<thjh`t nh slc, nh jur ht nh pcdgl`nht que sl`t nhvh`us cd prlpreåtå nu odecchur, n$s clrs quh pdr ch gdet nu se`estrh 1
• Ec + d råsecedtel` nh pche` nrlet nu odec lu ahssdtel` nh c―laaupdtel`.
•
Ju, h` ads nh al`te`udtel` lu nh c―laaupdtel`, rhgus nu prlpreåtderh nh rhal`stetuhr chs djå`d'hjh`ts thcs qu―ecs h"estdeh`t du jljh`t nuse`estrh.
%l`netel`s nh 'drd`teh 1
• (ssehtth nh prejh 1 adpetdc ge"å pdr c―dssurå, du jle`s å'dc æ cd vdchur nh rhal`stetutel` nhs djå`d'hjh`ts ejjloecehrs lu jloecehrs rådcesås pdrc―dssurå.
• 6rejh 1 8;O nh cd prejh nh cd 'drd`teh nh odsh.
• Cejeth nh 'drd`teh 1 >;O nu adpetdc dssurå plur chs oGtejh`ts ht chs åquephjh`ts, 2O plur chs jdrabd`neshs.
EEE!3! $hrth n+usd/h nhs cladux ;
C―dssurhur phut 'drd`ter cd phrth n―usd'h rhpråsh`td`t tlut lu pdrteh nh cd vdchur cladtevh nhs cladu" laaupås pdr ch prlpreåtderh h` ads n―ejplsseoecetåplur cue n―uteceshr thjplrderhjh`t tlut lu pdrteh nh shs cladu" dpr$s u` åv$`hjh`t 'drd`te.C―e`nhj`etå, cejetåh du adpetdc slusaret pdr c―dssurå, sh adcauch h` gl`atel` nu cl+hr d``uhc nh cd pdrteh nhs cladu" se`estrås ht ch thjps `åahssderh æ nerhn―h"phrts plur chur rhjesh h` åtdt.
%l`netel`s nh 'drd`teh 1
• (ssehtth nh prejh 1 adpetdc ge"å pdr c―dssurå, du je`ejuj å'dc æ u`h d``åh nh cl+hr.
• du" 1 tdu" `ht nh cd 'drd`teh nh odsh.
EEE!2! $hrth nh clhr ;
C―dssurhur phut 'drd`ter ch jl`td`t nhs cl+hrs nhs cladtderhs nl`t c―dssurå phut aljjh prlpreåtderh sh trluvhr cå'dchjh`t prevå.C―dssurhur e`nhj`esh cd phrth nhs cl+hrs ph`nd`t ch thjps `åahssderh, æ nerh n―h"phrts, æ cd rhjesh h` åtdt nhs cladu" se`estrås nd`s cd cejeth nu adpetdc
slusaret pdr c―dssurå.%l`netel`s nh 'drd`teh 1
• (ssehtth nh prejh 1 adpetdc ge"å pdr c―dssurå, du jle`s å'dc du cl+hr d``uhc.
• du" 1 tdu" `ht nh cd 'drd`teh nh odsh.
EEE!:! $hrths e`nerhaths ;
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 28/42
?2
( cd sueth n―u` se`estrh råsuctd`t n―u` åvå`hjh`t dssurå, nhs grdes ht phrths phuvh`t rhsthr æ cd abdr'h nh c―dssurå. %hu"5ae phuvh`t <trh aluvhrts pdru`h dssurd`ah nhs « phrths e`nerhaths , shcl` c―u`h nhs nhu" plsseoecetås suevd`ths 1
e %drd`teh -lr-detderh sd`s uste-eadte-s ;
C―dssurhur 'drd`tet chs phrths e`nerhaths adusås du oeh`s dssurås du tetrh n―u` åvå`hjh`t 'drd`te jdes slus cd al`netel`s quh c―e`nhj`etå nuh du tetrhnh ahtth 'drd`teh hst å'dch du plurah`td'h al`vh`u nh c―e`nhj`etå vhrsåh sur oGtejh`ts, jdtårehcs ht jdrabd`neshs.
%l`netel`s nh 'drd`teh 1
• (ssehtth nh prejh 1 adpetdc ge"å pdr c―dssurå å'dch æ u` plurah`td'h nhs adpetdu" dssurås jdes `―h"aånd`t pds 1
↟ >;O nhs adpetdu" dssurås sur oGtejh`ts ht jdtårehcs, ah jd"ejuj hst rdjh`å æ 2O clrsqu―u`h dssurd`ah nhs phrths e`nerhaths hstslusareth al`0le`thjh`t æ ahcch nh cd vdchur æ `hug.
↟ 2O nhs adpetdu" dssurås sur jdrabd`neshs.
↟
%htth cejeth `h phut nåpdsshr 2; Beccel`s -(. (u5nhcæ, prlplshr cd 'drd`teh glrgdetderh sur 0ustegeadtegs ae5dpr$s.
• du" 1 tdu" `ht nh cd 'drd`teh nh odsh jd0lrå nh 82O.
ee %drd`teh sur uste-eadte-s ;
C―dssurhur 'drd`tet chs phrths e`nerhaths adusås du oeh`s dssurås du tetrh n―u` åvå`hjh`t 'drd`te jdes slus cd al`netel`s quh c―e`nhj`etå nuh du tetrhnh ahtth 'drd`teh `h shrd vhrsåh qu―du vu nh 0ustegeadtegs !prlnuatel` nh jåjlerh, nhves, gdaturhs, oucchte`s nh sdcderh,?#, ht `h phut h` duau` adsh"aånhr ch plurah`td'h al`vh`u nh c―e`nhj`etå vhrsåh sur oGtejh`ts, jdtårehcs ht jdrabd`neshs.
%l`netel`s nh 'drd`teh 1
• (ssehtth nh prejh 1 adpetdc ge"å pdr c―dssurå å'dch æ u` plurah`td'h nhs adpetdu" dssurås, que phut <trh u`h 'drd`teh nh cd vdchur æ `hug jdes`―h"aånd`t pds >;O. H` duau` ads, ahtth cejeth `h phut h"aånhr >;; Beccel`s -(. (u5nhcæ, ec s―d'erd nh prlplshr u`h plceah phrths n―h"pcletdtel`.
• du" 1 tdu" `ht nh cd 'drd`teh nh odsh.
Ahs nhux /drd`tehs `h s+dppcequh`t h` duau` ads dux resquhs nh rhspl`sdoecetås!
E4. Dssurd"!h nh rhs)l"sdoecet# ;
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 29/42
?5
C―dssurå phut 'drd`ter chs al`såquh`ahs påau`ederhs nh shs rhspl`sdoecetås æ c―å'drn nh alal`trdatd`ts lu nh tehrs råsuctd`t n―åv$`hjh`ts dssurås du tetrhnh cd 'drd`teh nh odsh.Ch tdu" dppceadoch æ cd 'drd`teh n―u`h rhspl`sdoecetå hst nl`a å'dc du tdu" `ht lu æ u` plurah`td'h nu tdu" `ht dppceadoch æ cd 'drd`teh nh odsh.Chs 'drd`tehs nh rhspl`sdoecetås sl`t cejetåhs du" nljjd'hs jdtårehcs. %hph`nd`t, plur ahrtde`hs rhspl`sdoecetås, c―dssurå phut lpthr plur u`h h"th`sel`nh 'drd`teh æ nhs nljjd'hs ejjdtårehcs, någe`es aljjh tlus nljjd'hs dutrhs quh jdtårehcs lu alrplrhcs que sl`t cd al`såquh`ah nh nljjd'hsjdtårehcs dssurås.
EH!4! _hspl`sdoecetå al`trdatuhcch nu prlpreåtderh ht nu cladtderh ;
EH!4!4!_hspl`sdoecetå nu cladtderh 8lu nh c+laaupd`t7 > c+å/drn nu prlpreåtderh ;
Ch cladtderh !lu c―laaupd`t# phut 'drd`ter chs al`såquh`ahs påau`ederhs nh shs rhspl`sdoecetås æ c―å'drn nu prlpreåtderh nd`s cd jhsurh l hcchsråsucth`t n―åv$`hjh`ts dssurås.
d.
_esquhs cladte-s M ote*h`t C ; %htth 'drd`teh d plur out n―dssurhr cd rhspl`sdoecetå quh ch cladtderh laaupd`t h`alurt æ c―å'drn nu prlpreåtderh plur chs nljjd'hs jdtårehcsdgghatd`t chs oGtejh`ts cluås lu al`geås.
%l`netel`s nh 'drd`teh 1
• (ssehtth nh prejh 1 sljjh du jle`s å'dch æ cd vdchur nhs oGtejh`ts cluås !vdchur nh rhal`stetutel`s, bl`lrderhs n―drabethathsaljpres#.
• du" 1 tdux `ht nh cd 'drd`teh nh odsh.
o! _esquhs cladte-s M *dtårehcs ht *loecehrs C 8cladtel` lu arånet9odec7
%htth 'drd`teh d plur out n―dssurhr cd rhspl`sdoecetå quh ch cladtderh laaupd`t h`alurt æ c―å'drn nu prlpreåtderh plur chs nljjd'hs jdtårehcsdgghatd`t ch jdtårehc ht ch jloecehr cluås lu jes æ sd nesplsetel`.
%l`netel`s nh 'drd`teh 1
• (ssehtth nh prejh 1 sljjh du jle`s å'dch æ cd vdchur nu jdtårehc ht nu jloecehr cluå
• du" 1 tdux `ht nh cd 'drd`teh nh odsh.
a! $re)dtel` nh luessd`ah ;
%htth 'drd`teh phrjht æ u` cladtderh n―dssurhr sd rhspl`sdoecetå æ c―å'drn nh sl` prlpreåtderh, plur ch rhalurs qu―h"hrah ah nhr`ehr al`trh cue h`rdesl` nu prå0uneah suoet pdr chs alcladtderhs `l` rhspl`sdochs.
%l`netel`s nh 'drd`teh 1
• (ssehtth nh prejh 1 adpetdc ge"å pdr c―dssurå
• du" 1 .=1 nu tdux `ht nh cd 'drd`teh nh odsh.
n! $hrths nhs clhrs ;
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 30/42
16
%htth 'drd`teh phrjht æ u` cladtderh rhspl`sdoch nh rhjolurshr æ sl` prlpreåtderh `l` shuchjh`t sl` prlprh cl+hr jdes å'dchjh`t ahcue nh tluschs dutrhs alcladtderhs `l` rhspl`sdochs, nl`t ch prlpreåtderh sh vhrrdet prevå clrs n―u` se`estrh.
%l`netel`s nh 'drd`teh 1
• (ssehtth nh prejh 1 adpetdc ge"å pdr c―dssurå
•
du" 1 tdux `ht nh cd 'drd`teh nh odsh.
EH!4!.!_hspl`sdoecetå nu prlpreåtderh > c+å/drn nu cladtderh;
Ch prlpreåtderh phut 'drd`ter chs al`såquh`ahs påau`ederhs nh shs rhspl`sdoecetås æ c―å'drn nu cladtderh nd`s cd jhsurh l hcch råsucthn―åv$`hjh`ts dssurås.
d! _halurs nhs cladtderhs ;
6dr ahtth 'drd`teh, ch prlpreåtderh dssurh cd rhspl`sdoecetå qu―ec h`alurt æ c―å'drn nhs cladtderhs plur chs nljjd'hs jdtårehcs råsuctd`t n―u`åv$`hjh`t 'drd`te adusås æ churs oeh`s sueth æ u` veah nh al`struatel` lu æ u` någdut n―h`trhteh` nh c―ejjhuoch.
%l`netel`s nh 'drd`teh 1
• (ssehtth nh prejh 1 adpetdc ge"å pdr c―dssurå
• du" 1 .=1 nu tdux `ht nh cd 'drd`teh nh odsh.
o! $re)dtel` nh luessd`ah ;
%htth 'drd`teh aluvrh cd rhspl`sdoecetå quh c―dssurå phut aljjh prlpreåtderh h`alurer plur ch trluoch nh 0luessd`ah al`såauteg æ nhs nljjd'hsjdtårehcs adusås æ u` lu pcusehurs alcladtderhs.
%l`netel`s nh 'drd`teh 1
• (ssehtth nh prejh 1 adpetdc ge"å pdr c―dssurå
• du" 1 .=1 nu tdux `ht nh cd 'drd`teh nh odsh.
EH!4!?!Nesplsetel`s al*pcå*h`tderhs;
d! _h`l`aedtel` pdr ch prlpreåtderh du rhalurs al`trh ch cladtderh ;
Clrsquh ch prlpreåtderh rh`l`ah æ h"hrahr u` rhalurs al`trh ch cladtderh lu c―laaupd`t nl`t cd rhspl`sdoecetå plurrdet sh trluvhr h`'d'åh nd`s cdrådcesdtel` nh nljjd'hs jdtårehcs, nh grdes lu nh phrths 'drd`tes pdr ch prlpreåtderh, ec nlet h` e`glrjhr sl` dssurhur. %hcue5ae prh`n dath nh ahtthrh`l`aedtel` æ rhalurs nd`s ch al`trdt !e`sårhr cd acdush E!N7 ht rh`l`ah cue5j<jh æ c―h"hraeah nu rhalurs h` td`t quh suorl'å nd`s ch nrlet nuprlpreåtderh al`trh ch cladtderh ht shs ;dssurhurs.%htth 'drd`teh hst daalrnåh jl+h``d`t u`h pre*h å/dch > 4=1 nhs pre*hs `htths phrOuhs. %hcch5ae phut <trh daalrnåh 'rdtuethjh`t slus råshrvh
qu―hcch slet e`sareth du odec h` gdvhur n―u`h slaeåtå nh aljjhrah lu n―u` 'rluphjh`t n―e`tår<t åal`ljequh nl`t ch prlpreåtderh h` gdet pdrteh.
o! _h`l`aedtel` pdr ch cladtderh du rhalurs al`trh ch prlpreåtderh;
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 31/42
14
Clrsquh ch cladtderh rh`l`ah æ h"hrahr u` rhalurs al`trh ch prlpreåtderh nl`t cd rhspl`sdoecetå plurrdet sh trluvhr h`'d'åh nd`s cd rådcesdtel` nhnljjd'hs jdtårehcs, nh grdes lu nh phrths 'drd`tes pdr ch cladtderh, ec nlet h` e`glrjhr sl` dssurhur. %hcue5ae prh`n dath nh ahtth rh`l`aedtel` ærhalurs nd`s ch al`trdt !e`sårhr cd acdush EE!N7 ht rh`l`ah cue5j<jh æ c―h"hraeah nu rhalurs h` td`t quh suorl'å nd`s ch nrlet nu cladtderh al`trh chprlpreåtderh ht shs dssurhurs.
%htth 'drd`teh hst daalrnåh jl+h``d`t u`h pre*h å/dch > 4=1 nhs pre*hs `htths phrOuhs.
a! ssurd`ah al`trdatåh pdr ch cladtderh plur ch al*pth nu prlpreåtderh 8dssurd`ah plur al*pth al**u`7 ;
Clrsqu―u` cladtderh dssurh ch oGtejh`t qu―ec laauph plur ch aljpth nu prlpreåtderh, ec `―hst pds nh ah gdet rhchvå nh cd rhspl`sdoecetå qu―ec h`alurt æc―å'drn nh ah nhr`ehr, ec nlet nl`a nd`s ah ads 1
- (ssurhr chs oGtejh`ts
-
)h gderh rhchvhr, pdr u`h acdush ge'urd`t nd`s ch odec, nh sd rhspl`sdoecetå nh cladtderh.E`glrjhr nh ahtth rh`l`aedtel` æ rhalurs, c―dssurhur nu cladtderh h` prh`n dath nd`s ch al`trdt !e`sårhr cd acdush EEE!N7 ht rh`l`ah cue5j<jh æh"hraeah nu rhalurs h` td`t quh suorl'å nd`s chs nrlets nu cladtderh.
%htth 'drd`teh hst daalrnåh jl+h``d`t u`h prejh å'dch > 4=1 nhs pre*hs `htths phrOuhs h` åabd`'h nhs 'drd`tehs slusareths pdr ch cladtderhgdesd`t c―lo0ht nh cd rh`l`aedtel` æ rhalurs.
n! #etudtel` nu slus9cladtderh ;
X` slus cladtderh h`alurt chs j<jhs rhspl`sdoecetås qu―u` cladtderh pre`aepdc ves5æ5ves nu prlpreåtderh. Cd rh`l`aedtel` pdr ch prlpreåtderh durhalurs al`trh ch cladtderh pre`aepdc `―h"l`$rh pds chs slus cladtderhs.
EH!.! utrhs rhspl`sdoecetås ;
EH!.!4! _hspl`sdoecetå > c+å/drn nhs )lese`s ht nhs tehrs ;
C―dssurhur phut 'drd`ter cd rhspl`sdoecetå quh c―dssurå phut h`alurer æ c―å'drn nhs vlese`s ht nhs tehrs plur chs nljjd'hs jdtårehcs råsuctd`t n―u`åv$`hjh`t 'drd`te survh`u nd`s chs oeh`s lo0hts nu al`trdt ht nl`t c―dssurå hst prlpreåtderh, cladtderh lu 'drneh`.
%l`netel`s nh 'drd`teh 1
• (ssehtth nh prejh 1 adpetdc ge"å pdr c―dssurå
• du" 1 ;.;2!
EH!.!.! _hspl`sdoecetå nu s`neadt nhs alprlpreåtderhs > c+å/drn nhs alprlpreåtderhs ;
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 32/42
1?
C―dssurhur phut 'drd`ter cd rhspl`sdoecetå nu s+`neadt nhs alprlpreåtderhs, h` rdesl` nhs nljjd'hs jdtårehcs suoes pdr chs alprlpreåtderhs, æ cdsueth n―u` e`ah`neh prlvh`d`t n―u` veah nh al`struatel` lu n―u` någdut n―h`trhteh` nhs pdrtehs aljju`hs.
%l`netel`s nh 'drd`teh 1
• (ssehtth nh prejh 1 adpetdc ge"å pdr c―dssurå
•
du" 1 ;.;2W.
_h`l`aedtel` pdr u` alprlpreåtderh du rhalurs al`trh ch s`neadt nhs alprlpreåtderhs ;
Clrsqu―u` alprlpreåtderh rh`l`ah æ h"hrahr u` rhalurs al`trh ch s+`neadt nh alprlpreåtderhs nl`t cd rhspl`sdoecetå plurrdet sh trluvhr h`'d'åhnd`s cd rådcesdtel` nh nljjd'hs jdtårehcs, nh grdes lu nh phrths 'drd`tes pdr ch alprlpreåtderh, ec nlet h` e`glrjhr sl` dssurhur. %hcue5ae prh`n dathnh ahtth rh`l`aedtel` æ rhalurs nd`s ch al`trdt e`sårhr cd acdush EH!N ht rh`l`ah cue5j<jh æ c―h"hraeah nu rhalurs h` td`t quh suorl'å nd`s chs
nrlets nu alprlpreåtderh.%l`netel`s nh 'drd`teh 1
• (ssehtth nh prejh 1 adpetdu" dssurås pdr ch alprlpreåtderh sur ch jloecehr ht chs jdrabd`neshs.
• du" 1 ;.;=W.
EH!.!?! _hspl`sdoecetå nu /ård`t ;
Ch /ård`t ceorh n―u` gl`ns nh aljjhrah h`alurt chs j<jhs rhspl`sdoecetås qu―u` cladtderh ves5æ5ves nu prlpreåtderh nhs jrs. Ec nlet nl`a slusarerh
chs j<jhs 'drd`tehs nh rhspl`sdoecetå qu―u` cladtderh lrne`derh.ud`t du /ård`t sdcdrehr, ec `―h`alurt pds ahs rhspl`sdoecetås puesqu―ec hst al`senårå aljjh u` hjpcl+å nu prlpreåtderh nu gl`ns, shuc rhspl`sdochnd`s ah ads ves5æ5ves nu prlpreåtderh nhs jrs.
EH!.!! _hspl`sdoecetå nu nåplsetderh > c+å/drn nu nåplsd`t ;
C―dssurhur phut 'drd`ter cd rhspl`sdoecetå nh c―dssurå, h` sd qudcetå nh nåplsetderh nh jloecehr, nh jdtårehc, nh jdrabd`nesh, phut h`alurer æ c―å'drnnhs prlpreåtderhs nh ahs oeh`s.
%l`netel`s nh 'drd`teh 1
• (ssehtth nh prejh 1 vdchur nhs oeh`s nl`t c―dssurå hst nåplsetderh.
• du" 1 tdux `ht dppceadoch du al`th`u.
_h`l`aedtel` pdr ch nåplsd`t du rhalurs al`trh ch nåplsetderh ;
Clrsq h ch nåplsd`t rh`l`ah æ rhal rer al`trh ch nåplsetderh nl`t cd rhspl`sdoecetå pl rrdet sh trl hr h`'d'hr nd`s cd rådcesdtel` nhs nljjd'hs
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 33/42
11
Clrsquh ch nåplsd`t rh`l`ah æ rhalurer al`trh ch nåplsetderh nl`t cd rhspl`sdoecetå plurrdet sh trluvhr h`'d'hr nd`s cd rådcesdtel` nhs nljjd'hsjdtårehcs, nh grdes lu nh phrths 'drd`tes pdr ch nåplsd`t, ec nlet h` e`glrjhr sl` dssurhur. %hcue5ae prh`n dath nh ahtth rh`l`aedtel` æ rhalurs nd`s chal`trdt e`sårhr cd acdush H!N ht rh`l`ah cue5j<jh æ c―h"hraeah nu rhalurs h` td`t quh suorl'å nd`s chs nrlets nh c―dssurå.
%htth 'drd`teh hst daalrnåh jl+h``d`t u`h prejh å'dch æ =1 nhs pre*hs `htths phrOuhs h` åabd`'h nhs 'drd`tehs slusareths pdr ch nåplsd`t
gdesd`t c―lo0ht nh cd rh`l`aedtel` æ rhalurs.
EH!.!=! ssurd`ah plur al*pth nh que ec dppdrteh`nrd ;
C―dssurå phut 'drd`ter plur aljpth nh que ec dppdrteh`nrd chs oGtejh`ts, ch jloecehr phrsl``hc, ch jdtårehc, chs jdrabd`neshs lu chs våbeauchs nl`t echst nåplsetderh.
%l`netel`s nh 'drd`teh 1
• (ssehtth nh prejh 1 vdchur nhs oeh`s nl`t c―dssurå hst nåth`thur lu nåplsetderh.
•
du" 1 tdux `ht dppceadoch du oGtejh`t lu ch al`th`u.
EH!.!3! "xth`sel` nhs /drd`tehs nh rhspl`sdoecetå dux nl**d/hs e**dtårehcs ;
%bdau`h nhs 'drd`tehs nh rhspl`sdoecetå suevd`ths phut <trh åth`nuh du" nljjd'hs ejjdtårehcs que sl`t cd al`såquh`ah nerhath ht ejjånedthnhs nljjd'hs jdtårehcs dssurås 1
_hspl`sdoecetå nhs cladtderhs æ c―å'drn nu prlpreåtderh plur trluoch nh 0luessd`ah.
_hspl`sdoecetå nu prlpreåtderh æ c―å'drn nu cladtderh !plur rhalurs nu cladtderh ht trluoch nh 0luessd`ah#.
_hspl`sdoecetå æ c―å'drn nhs tehrs. _hspl`sdoecetå nu nåplsetderh lu nu nåth`thur.
%l`netel`s nh 'drd`teh 1
• (ssehtth nh prejh 1 adpetdc ge"å pdr c―dssurå plur abdquh h"th`sel` nh 'drd`teh.
• du" 1 ch j<jh tdu" `ht quh ahcue dppcequå æ cd 'drd`teh nh rhspl`sdoecetå que gdet c―lo0ht nh c―h"th`sel` du" nljjd'hs ejjdtårehcs.
&+latrle nh ahtth /drd`teh hst streath*h`t råshr)å du Al*etå nh slusareptel`!
#hatel` ; JLN&E^"# N+##X_@A"# $_^EAX&E"_"#
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 34/42
1>
E. Dssurd"!h h" ,dchur / "hu ;
H` ads n―e`ah`neh, c―dssurå hst susahpteoch nh supplrthr u`h phrth alrrhspl`nd`t æ cd nåpråaedtel` nh vdchur adusåh pdr c―usd'h lu ch thjps du" oeh`sjloecehrs lu ejjloecehrs. %htth nåpråaedtel` gdet c―lo0ht nh c―dssurd`ah h` « vdchur æ `hug . C―dssurå phut 'drd`ter, du" al`netel`s nh « cd al`vh`tel`
n―dssurd`ah h` vdchur æ `hug , chs oGtejh`ts lu chs resquhs cladtegs, ch jloecehr phrsl``hc ht ch jdtårehc h` vdchur æ `hug du 0lur nu se`estrh !aIhst5æ5nerhsd`s nånuatel` nh cd nåpråaedtel`#.&d pre*h hst adcaucåh > pdrter nu adpetdc dssurå rhpråsh`td`t cd )dchur datuhcch nhs oeh`s dssurås!
Ec hst æ `lthr quh 1
• )hucs chs oeh`s du"quhcs phut <trh dppcequå u` alhggeaeh`t nh våtustå e`gårehur æ 82O shrl`t e`tå'rdchjh`t e`nhj`esås h` vdchur æ `hug. -d`s chads al`trderh, ahtth e`nhj`etå hst cejetåh æ cd vdchur n―usd'h !vdchur nh rhal`stetutel` lu nh rhjpcdahjh`t, åvdcuåh du 0lur nu se`estrhnånuatel` gdeth nh cd nåpråaedtel`# *dlråh nu qudrt nh cd vdchur æ `hug.
•
-d`s ch ads l cd vdchur n―usd'h hst supårehurh æ cd vdchur åal`ljequh8, c―e`nhj`etå shrd ge"åh æ ahtth )dchur åal`l*equh.
• Chs nljjd'hs e`thr`hs du" dppdrhecs, jdabe`hs, jlthurs åchatrequhs lu åchatrl`equhs ht churs daahsslerhs, de`se qu―du" ad`dcesdtel`såchatrequhs sl`t hxacus nh ahtth /drd`teh!
• #l`t å/dch*h`t hxacus chs nljjd'hs laadsel``ås pdr ch vh`t, cd 'r<ch lu cd `he'h sur chs tleturhs.
EE. Dssurd"!hs thj)lrderhs;
Clrsquh cd nuråh nu al`trdt hst e`gårehurh æ u`h d``åh, cd tdregeadtel` `―hst pds prlplrtel``hcch æ ahtth nuråh.
EE!4! ssurd`ah n+u`h nuråh e`-årehurh lu å/dch > 36 lurs al`såaute-s ;
Ec shrd phr4u u`h prejh alrrhspl`nd`t du prlrdtd thjplres > u`h nuråh å/dch > ? -les cd nuråh nh*d`nåh pcus 46lurs , sd`s quh cd nuråh de`se adcaucåhh"a$nh >8; 0lurs
? Ec s―diet nh cd vdchur (ads n―u` shuc oïtejh`t) lu nh cd grdatel` nh cd vdchur (ads nh pcusehurs oïtejh`ts) nh vh`th nu oïtejh`t h`nljjdiå, duijh`tåh nhs grdes nh nåocde ht nh nåjlcetel`
neje`uåh nh cd vdchur nu thrrde` `u
Vrejh d``uhcch x (nuråhs h` klurs x 1 + 46)
178V :
EE!.! ssurd`ah n+u`h nuråh supårehurh > 36 lurs al`såaute-s ;
Cd prejh æ phrahvler alrrhspl`nd`t æ cd nuråh nhjd`nåh drrl`neh du jles supårehur ht hst jd0lråh nh 8 jles hst adcaucåh aljjh suet 1
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 35/42
18
Cd prejh æ phrahvler, alrrhspl`nd`t æ cd nuråh nhjd`nåh drrl`neh du jles supårehur ht hst jd0lråh nh 8 jles, hst adcaucåh aljjh suet 1
Cd nuråh h` jles `h phut h"aånhr 0 *les. (u5nhcæ, cd prejh nhveh`t d``uhcch.
EEE. ?drd"teh nhs jdr!+d"neshs h" dssurd"!h r#,esdoch lu h" !lj)th !lurd"t ;
)e chs stlaVs vdreh`t ohdualup h` alurs n―d``åh, ec hst prågårdoch nh ableser u`h glrjuch n―dssurd`ah slupch, dndptdoch æ churs gcuatudtel`s. Ec h` h"esth nhspåaegequhs, thcchs quh chs dssurd`ahs råvesdochs lu h` aljpth alurd`t. %hs nhu" glrjuchs ejplsh`t nh ge"hr u` pcdgl`n al`trdatuhc nh 'drd`teh quealrrhspl`n du `evhdu jd"ejdc pråveseoch nhs stlaVs nh c―d``åh. X`h altesdtel` prlvesel``hcch hst adcaucåh sur ahtth odsh.
EEE!4! ssurd`ah rå)esdoch ;
Hcch phrjht n―hgghatuhr u`h shuch nåacdrdtel` pdr jles æ ndths ge"hs. ( cd ge` nh c―h"hraeah, c―dssurhur prla$nh æ u`h rå'ucdresdtel` nh cd prejh æ pdrternhs nåacdrdtel`s jh`suhcchs nhs stlaVs. Ec rhjolursh dclrs cd neggårh`ah h`trh cd altesdtel` prlvesel``hcch ht cd altesdtel` någe`etevh 8ch rh*olursh*h`t`+hxaânh pds =6 1 nh cd altesdtel` prl)esel``hcch7!
EEE!.! ssurd`ah h` al*pth alurd`t ;
%htth 'drd`teh hst al`sh`teh plur chs resquhs e`nustrehcs ht aljjhraedu" slujes du al`trch nh cd nlud`h, æ c―h"ahptel` nhs jd'dse`s d'råås pdr c―Htdtaljjh jd'dse`s 'å`årdu". Hcch h"e'h cd th`uh n―u` rh'estrh 0lur`dcehr spåaegequh. Cd rå'ucdresdtel` h` ge` n―d``åh `h phut nl``hr cehu æ u`rhjolurshjh`t supårehur æ 2= 1 nh cd altesdtel` prl)esel``hcch.
Nd`s chs nhux -lr*uchs n+dssurd`ah cd pre*h prl)esel``hcch hst adcaucåh h` *uctepced`t ch pcd-l`n pdr chs tdux alrrhspl`nd`t > ah pcd-l`ndppceadochs dux /drd`tehs nhs *dra,d`neshs al`trh chs nl**d/hs råsuctd`t n+å)â`h*h`ts dssurås !'drd`teh nh odsh, thjp<th, 'r<ch ht `he'h sur chs
tleturhs, ?# *dlrås nh 461!
( c―åabåd`ah nu al`trdt, cd prejh hgghatevhjh`t nuh hst adcaucåh h` gl`atel` nhs nåacdrdtel`s nh c―dssurå que s―h`'d'h æ gderh al``d&trh æ c―dssurhur cdvdchur h"dath nhs jdrabd`neshs h"estd`t nd`s sl` åtdocesshjh`t. Cd r$'ch prlplrtel``hcch hst dppceadoch clrsquh cd vdchur nhs jdrabd`neshs, du 0lur nuse`estrh, hst supårehurh du pcdgl`n nåacdrå.
4?V :Vrejh d``uhcch x (nuråh h` jles + ?)
4?
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 36/42
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 37/42
19
A&X#E"_
! &h a,du--d/h ;
E. A+duneârh / !ljousteoch ;
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 38/42
12
E. A+duneârh / !ljousteoch ;
Ch abduggd'h nh ??????hst dssurå pdr u`h e`stdccdtel` nh abduggd'h æ aljousteoch, e`stdccåh nd`s ch oGtejh`t abduggå, oGtejh`t rh`ghrjd`t chsdppdrhecs abduggås.Cd abdune$rh hst h`tluråh n―u`h jde` alurd`th ht n―u` 'reccd'h æ jdecchs shrråhs, th`nu h`trh cd jde` alurd`th ht ch slc, e`thrnesd`t c―dpprlabh nh tluth
jdte$rh aljousteoch. Hcch hst h`tluråh n―u`h jurhtth Z pcdaåh æ u` `evhdu e`gårehurh du pcd`abhr dge` n―åvethr quh ch aljousteoch puessh sh råpd`nrh nd`sch oGtejh`t.Chs 'd: nh aljoustel` sl`t åvdauås æ c―der ceorh du jl+h` n―u` al`nuet h` jdtåredu e`aljousteoch, åcle'`å nh tluth jdte$rh e`aljousteoch.X`h vd``h dutljdtequh dssurh cd alupurh nh c―dcejh`tdtel` nhs orchurs h` ads n―h"te`atel` daaenh`thcch nh cd gcdjjh.C―e`stdccdtel` hst jde`th`uh h` pdrgdet åtdt n―h`trhteh`.
EE. A+dudih / der !+dun )ucs# e"nerh!t ;
Ch abduggd'h nh ????hst dssurå pdr nhs 'å`årdthurs n―der abdun pucså orcd`t nu 'd:, e`stdccå nd`s ch oGtejh`t abduggå lu rh`ghrjd`t chs dppdrhecsabduggås.Chs 'å`årdthurs sl`t h`tlurås n―u`h jde` alurd`th ht n―u` 'reccd'h æ jdecchs shrråhs, th`nu h`trh cd jde` alurd`th ht ch slc, e`thrnesd`t c―dpprlabh nhtluth jdte$rh aljousteoch. Hcch hst h`tluråh n―u`h jurhtth Z pcdaåh æ u` `evhdu e`gårehurh du pcd`abhr dge` n―åvethr quh ch aljousteoch puessh shråpd`nrh nd`s ch oGtejh`t.Chs 'd: nh aljoustel` sl`t åvdauås æ c―der ceorh du jl+h` n―u` al`nuet h` jdtåredu e`aljousteoch, åcle'`å nh tluth jdte$rh e`aljousteoch Chs al`nuets nh nestreoutel` n―der abdun sl`t h` ?????. !6råaeshr chs jdtåredu"#.
Chur adclregu'hd'h hst rådceså du jl+h` nh jdtåredu" e`aljousteoch.(uau`h jdte$rh aljousteoch, qu―ec s―d'essh nh jdrabd`neshs lu n―djå`d'hjh`ts nhs oGtejh`ts, `h sh trluvh, nh jd`e$rh nurdoch, nerhathjh`t h"plsåhdu gcu" n―der abdun.C―der æ abdugghr hst pråchvå æ c―h"tårehur nhs oGtejh`ts susahpteochs nh al`th`er nhs vdphurs lu nh 'd: e`gcdjjdochs.-hs nesplsetegs dutljdtequhs rdch`tessh`t ch abduggd'h ht du ohsle` ch susph`nh`t aljpc$thjh`t h` ads n―åcåvdtel` d`lrjdch nh cd thjpårdturh nh c―derabdun pucså ht h` ads n―drr<t nh cd aeraucdtel` nh c―der æ abdugghr.X`h vd``h dutljdtequh dssurh cd alupurh nh c―dcejh`tdtel` nhs orchurs h` ads n―h"te`atel` daaenh`thcch nh cd gcdjjh.C―e`stdccdtel` hst jde`th`uh h` pdrgdet åtdt n―h`trhteh`.
EEE. A+dudih / der !+dun )ucs# nerh!t ;Ch abduggd'h nh ??????hst dssurå pdr u`h e`stdccdtel` nh abduggd'h nerhat æ der abdun pucså.
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 39/42
15
Ch abduggd'h nh ??????hst dssurå pdr u`h e`stdccdtel` nh abduggd'h nerhat æ der abdun pucså.lut jdtåredu aljousteoch uteceså nd`s cd al`struatel` lu chs djå`d'hjh`ts nhs cladu" nlet sh trluvhr æ pcus nh 7j nhs dppdrhecs nh prlnuatel` nhabdchur.H`trh tluth jdrabd`nesh ht abdquh dppdrhec nh prlnuatel` nh abdchur sl`t jå`d'ås nhs hspdahs ceorhs supårehurs æ 1
R7j, se ch `evhdu supårehur nhs jdrabd`neshs hst du pcus 2; aj du 5nhsslus nu `evhdu e`gårehur nh c―dppdrhec.R8j, nd`s tlus chs dutrhs ads.
(uau`h jdte$rh aljousteoch, qu―ec s―d'essh nh jdrabd`neshs lu n―djå`d'hjh`ts nhs oGtejh`ts, `h sh trluvh, nh jd`e$rh nurdoch, nerhathjh`t h"plsåhdu gcu" n―der abdun.C―der æ abdugghr hst pråchvå æ c―h"tårehur nhs oGtejh`ts susahpteoch nh al`th`er nhs vdphurs lu nhs 'd: e`gcdjjdochs.-hs nesplsetegs dutljdtequhs rdch`tessh`t ch abduggd'h ht du ohsle` ch susph`nh`t aljpc$thjh`t h` ads n―åcåvdtel` d`lrjdch nh cd thjpårdturh nh c―derabdun pucså ht h`ads n―drr<t nh cd aeraucdtel` nh c―der æ abdugghr.
X`h vd``h dutljdtequh dssurh cd alupurh nh c―dcejh`tdtel` nhs orchurs h` ads n―h"te`atel` daaenh`thcch nh cd gcdjjh.C―e`stdccdtel` hst jde`th`uh h` pdrgdet åtdt n―h`trhteh`.
E4. A+dudih !h"trdces# s1stâjh der>der ;
Ch abduggd'h nh ??????.hst dssurå pdr u`h e`stdccdtel` nh abduggd'h ah`trdceså s+st$jh derLder.C―der æ abdugghr hst gectrå pdr æ sl` dnjessel` nd`s c―daaujucdthur Z nh pcus, aht der hst pråchvå æ c―h"tårehur nhs oGtejh`ts nl`t c―dtjlspb$rh e`tårehurh hstsusahpteoch nh al`th`er nhs vdphurs lu 'd: e`gcdjjdochs. chs al`nuets nh nestreoutel` n―der abdun sl`t h` ??????..!6råaeshr chs jdtåredu"#.
Chur adclregu'hd'h hst rådceså du jl+h` nh jdtåredu" e`aljousteoch.(uau`h jdte$rh aljousteoch, qu―ec s―d'essh nh jdrabd`neshs lu n―djå`d'hjh`ts nhs oGtejh`ts, `h sh trluvh, nh jd`e$rh nurdoch, nerhathjh`t h"plsåhdu gcu" n―der abdun.-hs nesplsetegs dutljdtequhs rdch`tessh`t ch abduggd'h ht du ohsle` ch susph`nh`t aljpc$thjh`t h` ads n―åcåvdtel` d`lrjdch nh cd thjpårdturh nh c―derabdun pucså ht h` ads n―drr<t nh cd aeraucdtel` nh c―der æ abdugghr.C―e`stdccdtel` hst jde`th`uh h` pdrgdet åtdt n―h`trhteh`.
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 40/42
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 41/42
8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes
http://slidepdf.com/reader/full/tarification-analytique-assurance-incendie-et-risques-annexes 42/42
>?
_å-årh`ah ;
>.
rdetå n―dssurd`ah « E/%H/-EH _E)XH) -―H/_H6_E)H) vhrsel` 8;;7.8. /ljh`acdturh dc'åreh``h nhs datevetås, Jggeah /dtel`dc nhs )tdtestequhs.D. /lrjhs nh såauretå dppcequåhs du" h`trhpts ht du" cehu" rhahvd`t nu puocea.7. %l`ahptel` nhs oGtejh`ts n―datevetå h` oåtl`. %lcchatel` thab`equh %EBKHJ/ f NN)(?.2. _$'chs pdrdsesjequhs dc'åreh``hs _6( vhrsel` 8;;D.3. rdetå nh rådssurd`ah nh c―E`ah`neh _esquhs d``h"hs h"hraeah 8;>; !%()*5%%_#.