{"id":3302,"date":"2025-01-07T15:50:48","date_gmt":"2025-01-07T14:50:48","guid":{"rendered":"https:\/\/www.btpsavoie.fr\/?p=3302"},"modified":"2025-01-07T16:06:38","modified_gmt":"2025-01-07T15:06:38","slug":"convergence-assurance-votre-cabinet-de-courtage-et-de-conseils-en-assurances-professionnelles-vous-accompagne-et-vous-informe","status":"publish","type":"post","link":"https:\/\/www.btpsavoie.fr\/index.php\/2025\/01\/07\/convergence-assurance-votre-cabinet-de-courtage-et-de-conseils-en-assurances-professionnelles-vous-accompagne-et-vous-informe\/","title":{"rendered":"CONVERGENCE ASSURANCE, votre Cabinet de Courtage et de Conseils en assurances professionnelles vous accompagne et vous informe"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-sizes-top:0px;--awb-border-sizes-bottom:0px;--awb-border-sizes-left:0px;--awb-border-sizes-right:0px;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:120px;--awb-padding-right:30px;--awb-padding-bottom:120px;--awb-padding-left:30px;--awb-padding-top-medium:60px;--awb-padding-bottom-medium:60px;--awb-padding-top-small:50px;--awb-margin-top:0px;--awb-margin-bottom:0px;--awb-background-color:var(--awb-color1);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.12%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-spacing-right-medium:5.12%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-margin-bottom-small:40px;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"1024\" height=\"250\" title=\"Logo_CA_original\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271068%27%20height%3D%27261%27%20viewBox%3D%270%200%201068%20261%27%3E%3Crect%20width%3D%271068%27%20height%3D%27261%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-orig-src=\"https:\/\/www.btpsavoie.fr\/wp-content\/uploads\/2023\/06\/Logo_CA_original-1024x250.png\" alt class=\"lazyload img-responsive wp-image-2127\"\/><\/span><\/div><div class=\"fusion-text fusion-text-1\"><p>Votre Contact : Christelle COSTERG<\/p>\n<p>126 Route de la Plagne \u2013 73210 AIME LA PLAGNE<\/p>\n<p>Tel : +33 (0)6 28 45 11 17<\/p>\n<p>Email : <a href=\"mailto:c.costerg@convergence-assurance.fr\">c.costerg@convergence-assurance.fr<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:13.44%;--awb-width-medium:50%;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:13.44%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-margin-bottom-small:0px;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-two fusion-animated\" style=\"--awb-margin-bottom:40px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\" data-animationType=\"fadeInLeft\" data-animationDuration=\"0.3\" data-animationOffset=\"top-into-view\"><h2 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">CONVERGENCE ASSURANCE, votre Cabinet de Courtage et de Conseils en assurances professionnelles vous accompagne et vous informe<\/h2><\/div><div class=\"fusion-separator fusion-no-large-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:3%;width:100%;\"><\/div><div class=\"fusion-text fusion-text-2\" style=\"--awb-content-alignment:justify;\"><p><b>LE REGIME DES CATASTROPHES NATURELLES AU 1ER JANVIER 2025<\/b><\/p>\n<ul>\n<li>\u00a0 Le r\u00e9gime CAT NAT <b>a \u00e9t\u00e9 cr\u00e9\u00e9 par la loi du 13 juillet 1982 afin am\u00e9liorer la couverture des risques naturels qui n\u2019\u00e9taient que tr\u00e8s peu assur\u00e9s jusqu\u2019alors<\/b>.<\/li>\n<\/ul>\n<p>Cette loi a institu\u00e9 une couverture obligatoire.<br \/>\nElle permet aux particuliers, aux entreprises et aux collectivit\u00e9s d\u2019\u00eatre indemnis\u00e9s dans des conditions uniformes en cas de dommages \u00e0 leurs biens situ\u00e9s en France s<b>uite \u00e0 un \u00e9v\u00e9nement d\u00e9clar\u00e9 \u00ab catastrophe naturelle \u00bb par les pouvoirs publics <\/b>comme les inondations, les temp\u00eates, la s\u00e9cheresse, les mouvements de terrain, les s\u00e9ismes.<\/p>\n<p><b>La France a \u00e9t\u00e9 impact\u00e9e ces derni\u00e8res ann\u00e9es par des \u00e9v\u00e8nements m\u00e9t\u00e9orologiques de grande ampleur <\/b>: la crue de la Seine (2016), l\u2019Ouragan Irma (2017), une succession de s\u00e9cheresses exceptionnelles (entre 2016 et 2020) dont la s\u00e9cheresse de 2018 et la s\u00e9cheresse quasi g\u00e9n\u00e9ralis\u00e9e de 2022 d\u2019une grande intensit\u00e9.<\/p>\n<p>En cons\u00e9quence, le gouvernement a d\u00e9cid\u00e9 d&rsquo;augmenter le taux de\u00a0 cotisation relative \u00e0 la couverture des catastrophes naturelles (dit r\u00e9gime CAT NAT) qui est pass\u00e9 au <b>1er janvier 2025, de 12 \u00e0 20 % sur les contrats d&rsquo;assurance de dommages aux biens<\/b> (habitation et professionnels) et <b>de 6 \u00e0 9% pour les contrats Automobiles<\/b> suite \u00e0 <u><a href=\"https:\/\/antispam5.xefi.fr\/securelink\/?url=https:\/\/www.legifrance.gouv.fr&amp;key=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\">l&rsquo;Arr\u00eat\u00e9 du 22 d\u00e9cembre 2023<\/a><\/u>.<\/p>\n<p>Soit une augmentation syst\u00e9matique de 8 % sur les contrats dommages et de 3 % pour les contrats autos hors indices.<\/p>\n<p><b>Un taux\u00a0 qui \u00e9tait rest\u00e9 inchang\u00e9 depuis 25 ans\u00a0:<\/b><\/p>\n<p>Le taux de cotisation CAT NAT \u00e9tait rest\u00e9 le m\u00eame depuis son origine, il y a 25 ans. Compte tenu de la forte sinistralit\u00e9, l\u2019ajustement est devenu indispensable afin de maintenir le taux de couverture et le niveau d\u2019indemnisation des victimes.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":3308,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"pmpro_default_level":"","footnotes":""},"categories":[110],"tags":[],"class_list":["post-3302","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites-des-membres","pmpro-has-access"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.btpsavoie.fr\/index.php\/wp-json\/wp\/v2\/posts\/3302","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.btpsavoie.fr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.btpsavoie.fr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.btpsavoie.fr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.btpsavoie.fr\/index.php\/wp-json\/wp\/v2\/comments?post=3302"}],"version-history":[{"count":4,"href":"https:\/\/www.btpsavoie.fr\/index.php\/wp-json\/wp\/v2\/posts\/3302\/revisions"}],"predecessor-version":[{"id":3306,"href":"https:\/\/www.btpsavoie.fr\/index.php\/wp-json\/wp\/v2\/posts\/3302\/revisions\/3306"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.btpsavoie.fr\/index.php\/wp-json\/wp\/v2\/media\/3308"}],"wp:attachment":[{"href":"https:\/\/www.btpsavoie.fr\/index.php\/wp-json\/wp\/v2\/media?parent=3302"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.btpsavoie.fr\/index.php\/wp-json\/wp\/v2\/categories?post=3302"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.btpsavoie.fr\/index.php\/wp-json\/wp\/v2\/tags?post=3302"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}