La Franchise \u2014 N\u00b01 \u2014 Mai 2026<\/title>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Playfair+Display:ital,wght@0,400;0,700;0,900;1,400;1,700&family=DM+Sans:wght@300;400;500&family=DM+Mono:wght@400;500&display=swap\" rel=\"stylesheet\">\n<style>\n :root {\n --indigo: #2b1b69;\n --blue: #38ceff;\n --yellow: #ffdb29;\n --coral: #ff666d;\n --green: #53d571;\n --cream: #fedb8b;\n --red: #ff0505;\n --white: #ffffff;\n --off-white: #f4f1ff;\n --light-bg: #ede9ff;\n --mid: #6e61a8;\n --rule: #d5cff0;\n --ink: #1a1040;\n }\n\n * { margin: 0; padding: 0; box-sizing: border-box; }\n\n body {\n background: #ddd8f5;\n color: var(--ink);\n font-family: 'DM Sans', sans-serif;\n font-weight: 300;\n line-height: 1.65;\n -webkit-font-smoothing: antialiased;\n }\n\n .page {\n max-width: 880px;\n margin: 0 auto;\n background: var(--white);\n width: 100%;\n }\n\n \/* \u2500\u2500 MASTHEAD \u2500\u2500 *\/\n .masthead {\n background: var(--indigo);\n padding: 36px 48px 32px;\n border-bottom: 4px solid var(--yellow);\n }\n\n .masthead-inner {\n display: flex;\n align-items: center;\n justify-content: space-between;\n gap: 24px;\n margin-bottom: 20px;\n }\n\n .masthead-logo img {\n width: 80px;\n height: 80px;\n object-fit: contain;\n display: block;\n }\n\n .masthead-titles {\n flex: 1;\n }\n\n .masthead-meta {\n font-family: 'DM Mono', monospace;\n font-size: 10.5px;\n letter-spacing: 0.2em;\n text-transform: uppercase;\n color: rgba(255,255,255,0.75);\n margin-bottom: 8px;\n }\n\n .logo {\n font-family: 'Playfair Display', serif;\n font-size: 52px;\n font-weight: 900;\n line-height: 1;\n letter-spacing: -1.5px;\n color: var(--white);\n }\n\n .logo span { color: var(--yellow); }\n\n .tagline {\n margin-top: 18px;\n padding-top: 16px;\n border-top: 1px solid rgba(255,255,255,0.15);\n font-family: 'DM Mono', monospace;\n font-size: 12.5px;\n letter-spacing: 0.18em;\n text-transform: uppercase;\n color: rgba(255,255,255,0.55);\n }\n\n \/* \u2500\u2500 \u00c9DITO \u2500\u2500 *\/\n .edito {\n background: var(--indigo);\n padding: 32px 48px 40px;\n border-bottom: 1px solid rgba(255,255,255,0.1);\n }\n\n .edito-label {\n font-family: 'DM Mono', monospace;\n font-size: 10.5px;\n letter-spacing: 0.22em;\n text-transform: uppercase;\n color: var(--blue);\n margin-bottom: 14px;\n display: block;\n }\n\n .edito p {\n font-size: 17px;\n line-height: 1.78;\n color: rgba(255,255,255,0.88);\n }\n\n .edito strong {\n color: var(--white);\n font-weight: 500;\n }\n\n \/* \u2500\u2500 SECTIONS \u2500\u2500 *\/\n .section {\n padding: 40px 48px;\n border-bottom: 1px solid var(--rule);\n }\n\n .section-header {\n display: flex;\n align-items: center;\n gap: 14px;\n margin-bottom: 22px;\n }\n\n .section-num {\n font-family: 'DM Mono', monospace;\n font-size: 12.5px;\n font-weight: 500;\n color: var(--indigo);\n letter-spacing: 0.08em;\n flex-shrink: 0;\n background: var(--light-bg);\n padding: 3px 9px;\n }\n\n .section-rule {\n flex: 1;\n height: 1px;\n background: var(--rule);\n }\n\n .section-label {\n font-family: 'DM Mono', monospace;\n font-size: 10.5px;\n letter-spacing: 0.2em;\n text-transform: uppercase;\n color: var(--mid);\n flex-shrink: 0;\n }\n\n .section-title {\n font-family: 'Playfair Display', serif;\n font-size: 30px;\n font-weight: 700;\n line-height: 1.25;\n margin-bottom: 6px;\n color: var(--indigo);\n }\n\n .section-subtitle {\n font-size: 15px;\n color: var(--mid);\n font-style: italic;\n margin-bottom: 20px;\n font-family: 'Playfair Display', serif;\n }\n\n \/* \u2500\u2500 TAGS \u2500\u2500 *\/\n .tag {\n display: inline-block;\n font-family: 'DM Mono', monospace;\n font-size: 10.5px;\n letter-spacing: 0.15em;\n text-transform: uppercase;\n padding: 3px 10px;\n margin-bottom: 14px;\n font-weight: 500;\n }\n .tag-strat { background: var(--indigo); color: var(--white); }\n .tag-tech { background: var(--yellow); color: var(--indigo); }\n\n \/* \u2500\u2500 STAT ROW \u2500\u2500 *\/\n .stat-row {\n display: grid;\n grid-template-columns: 1fr 1fr;\n gap: 14px;\n margin: 24px 0;\n }\n\n .stat-box {\n background: var(--off-white);\n border-top: 3px solid var(--blue);\n padding: 20px;\n }\n .stat-box.yellow { border-top-color: var(--yellow); }\n\n .stat-num {\n font-family: 'Playfair Display', serif;\n font-size: 42px;\n font-weight: 900;\n color: var(--indigo);\n line-height: 1;\n margin-bottom: 6px;\n }\n\n .stat-label {\n font-size: 13.5px;\n color: var(--mid);\n line-height: 1.45;\n }\n\n \/* \u2500\u2500 PULL QUOTE \u2500\u2500 *\/\n .pull-quote {\n border-left: 4px solid var(--blue);\n padding: 16px 22px;\n margin: 24px 0;\n background: var(--off-white);\n }\n\n .pull-quote p {\n font-family: 'Playfair Display', serif;\n font-size: 19px;\n font-style: italic;\n line-height: 1.55;\n color: var(--indigo);\n }\n\n .pull-quote cite {\n display: block;\n margin-top: 10px;\n font-family: 'DM Mono', monospace;\n font-size: 11.5px;\n color: var(--mid);\n font-style: normal;\n letter-spacing: 0.08em;\n }\n\n \/* \u2500\u2500 BODY TEXT \u2500\u2500 *\/\n p { font-size: 17px; line-height: 1.72; margin-bottom: 14px; }\n p:last-child { margin-bottom: 0; }\n strong { font-weight: 500; color: var(--ink); }\n em { color: var(--mid); }\n\n \/* \u2500\u2500 FOCUS GRID \u2500\u2500 *\/\n .focus-grid {\n display: grid;\n grid-template-columns: 1fr 1fr;\n gap: 12px;\n margin: 22px 0;\n }\n\n .focus-item {\n background: var(--off-white);\n padding: 18px;\n position: relative;\n overflow: hidden;\n }\n\n .focus-item::after {\n content: '';\n position: absolute;\n bottom: 0; right: 0;\n width: 32px; height: 32px;\n border-radius: 50% 0 0 0;\n }\n .focus-item:nth-child(1)::after { background: var(--blue); opacity: 0.25; }\n .focus-item:nth-child(2)::after { background: var(--yellow); opacity: 0.4; }\n .focus-item:nth-child(3)::after { background: var(--green); opacity: 0.3; }\n .focus-item:nth-child(4)::after { background: var(--coral); opacity: 0.3; }\n\n .focus-item-num {\n font-family: 'Playfair Display', serif;\n font-size: 26px;\n font-weight: 900;\n color: var(--indigo);\n opacity: 0.15;\n line-height: 1;\n margin-bottom: 8px;\n }\n\n .focus-item strong {\n display: block;\n font-size: 15px;\n color: var(--indigo);\n font-weight: 500;\n margin-bottom: 5px;\n }\n\n .focus-item p {\n font-size: 14px;\n margin-bottom: 0;\n color: var(--mid);\n line-height: 1.5;\n }\n\n \/* \u2500\u2500 ANECDOTE \u2500\u2500 *\/\n .anecdote {\n background: var(--indigo);\n padding: 40px 48px;\n }\n\n .anecdote-header {\n display: flex;\n align-items: center;\n justify-content: space-between;\n margin-bottom: 20px;\n }\n\n .anecdote-header-logo img {\n width: 44px;\n height: 44px;\n object-fit: contain;\n opacity: 0.6;\n }\n\n .anecdote .section-label-dark {\n font-family: 'DM Mono', monospace;\n font-size: 10.5px;\n letter-spacing: 0.22em;\n text-transform: uppercase;\n color: var(--coral);\n margin-bottom: 14px;\n display: block;\n }\n\n .anecdote .section-title {\n color: var(--white);\n margin-bottom: 6px;\n }\n\n .anecdote .section-subtitle {\n color: rgba(255,255,255,0.55);\n }\n\n .anecdote p {\n color: rgba(255,255,255,0.88);\n font-size: 17px;\n line-height: 1.75;\n margin-bottom: 14px;\n }\n\n .anecdote strong { color: var(--white); font-weight: 500; }\n\n .anecdote .pull-quote {\n background: rgba(255,255,255,0.08);\n border-left-color: var(--yellow);\n }\n\n .anecdote .pull-quote p {\n color: var(--white);\n font-size: 15px;\n }\n\n \/* \u2500\u2500 TEASER \u2500\u2500 *\/\n .teaser {\n padding: 24px 48px;\n background: var(--light-bg);\n border-top: 2px solid var(--indigo);\n }\n\n .teaser-label {\n font-family: 'DM Mono', monospace;\n font-size: 10.5px;\n letter-spacing: 0.2em;\n text-transform: uppercase;\n color: var(--mid);\n margin-bottom: 8px;\n }\n\n .teaser p {\n font-size: 15px;\n color: var(--mid);\n margin-bottom: 0;\n }\n\n .teaser strong { color: var(--indigo); font-weight: 500; }\n\n \/* \u2500\u2500 FOOTER \u2500\u2500 *\/\n .footer {\n background: var(--indigo);\n padding: 32px 48px;\n display: flex;\n align-items: center;\n justify-content: space-between;\n gap: 24px;\n }\n\n .footer-left {\n display: flex;\n align-items: center;\n gap: 16px;\n }\n\n .footer-left img {\n width: 52px;\n height: 52px;\n object-fit: contain;\n display: block;\n }\n\n .footer-brand {\n font-family: 'Playfair Display', serif;\n font-size: 20px;\n font-weight: 700;\n color: var(--white);\n line-height: 1.1;\n }\n\n .footer-brand span { color: var(--yellow); }\n\n .footer-sub {\n font-family: 'DM Mono', monospace;\n font-size: 10.5px;\n color: rgba(255,255,255,0.4);\n letter-spacing: 0.1em;\n text-transform: uppercase;\n margin-top: 4px;\n }\n\n .footer-info {\n font-family: 'DM Mono', monospace;\n font-size: 11.5px;\n color: rgba(255,255,255,0.75);\n text-align: right;\n line-height: 1.9;\n }\n\n \/* \u2500\u2500 SOURCES \u2500\u2500 *\/\n .sources {\n padding: 32px 48px;\n background: var(--off-white);\n border-top: 1px solid var(--rule);\n }\n\n .sources-title {\n font-family: 'DM Mono', monospace;\n font-size: 10.5px;\n letter-spacing: 0.22em;\n text-transform: uppercase;\n color: var(--mid);\n margin-bottom: 18px;\n display: block;\n }\n\n .source-item {\n display: grid;\n grid-template-columns: 18px 1fr;\n gap: 8px;\n margin-bottom: 12px;\n align-items: baseline;\n }\n\n .source-num {\n font-family: 'DM Mono', monospace;\n font-size: 10.5px;\n color: var(--indigo);\n font-weight: 500;\n padding-top: 2px;\n }\n\n .source-content {\n font-size: 13.5px;\n line-height: 1.55;\n color: var(--mid);\n }\n\n .source-content strong {\n font-size: 13.5px;\n color: var(--indigo);\n font-weight: 500;\n display: block;\n margin-bottom: 1px;\n }\n\n .source-content em {\n font-style: normal;\n color: #9b8fc0;\n }\n\n .source-alert {\n margin-top: 16px;\n padding: 12px 16px;\n background: #fff8e6;\n border-left: 3px solid var(--yellow);\n font-size: 13.5px;\n color: var(--mid);\n line-height: 1.55;\n }\n\n .source-alert strong {\n color: var(--indigo);\n font-weight: 500;\n }\n\n \/* \u2500\u2500 SOURCE MARKERS IN DARK SECTIONS \u2500\u2500 *\/\n .anecdote em,\n .edito em {\n color: var(--white);\n font-style: normal;\n font-family: 'DM Mono', monospace;\n font-size: 11.5px;\n }\n\n .section em {\n color: var(--indigo);\n font-style: normal;\n font-family: 'DM Mono', monospace;\n font-size: 11.5px;\n opacity: 0.7;\n }\n\n .pull-quote cite em {\n color: var(--mid);\n font-style: normal;\n font-family: 'DM Mono', monospace;\n font-size: 11.5px;\n }\n\n \/* \u2500\u2500 RESPONSIVE MOBILE \u2500\u2500 *\/\n @media (max-width: 900px) {\n .page {\n width: 100% !important;\n max-width: 100% !important;\n }\n\n .section {\n padding: 28px 20px;\n }\n\n .masthead {\n padding: 28px 20px 0;\n }\n\n .masthead-inner {\n flex-direction: column;\n gap: 16px;\n }\n\n .logo {\n font-size: 48px;\n }\n\n .edito {\n padding: 24px 20px 28px;\n }\n\n .anecdote {\n padding: 28px 20px;\n }\n\n .stat-row {\n grid-template-columns: 1fr;\n }\n\n .focus-grid {\n grid-template-columns: 1fr;\n }\n\n .footer {\n padding: 24px 20px;\n flex-direction: column;\n gap: 16px;\n text-align: center;\n }\n\n .footer-info {\n text-align: center;\n }\n\n .sources {\n padding: 24px 20px;\n }\n\n .teaser {\n padding: 20px;\n }\n\n .section-title {\n font-size: 22px;\n }\n\n .stat-num {\n font-size: 32px;\n }\n\n .masthead-logo img {\n width: 60px;\n height: 60px;\n }\n }\n<\/style>\n<\/head>\n<body>\n<div class=\"page\">\n\n \n <header class=\"masthead\">\n <div class=\"masthead-inner\">\n <div class=\"masthead-logo\">\n <img decoding=\"async\" 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alt=\"Indiqo\">\n <\/div>\n <div class=\"masthead-titles\">\n <div class=\"masthead-meta\">N\u00b0 01 \u00b7 Mai 2026 \u00b7 Publication bi-mensuelle<\/div>\n <div class=\"logo\">La Fran<span>ch<\/span>ise<\/div>\n <\/div>\n <\/div>\n <div class=\"tagline\">La newsletter qui fait le lien entre conseil en assurance et r\u00e9alit\u00e9 du march\u00e9<\/div>\n <\/header>\n\n \n <div class=\"edito\">\n <span class=\"edito-label\">Mot d’ouverture<\/span>\n <p>\n Bienvenue dans <strong>La Franchise<\/strong>, la newsletter d’Indiqo d\u00e9di\u00e9e aux acteurs de l’assurance.\n Le nom n’est pas anodin : en assurance, la franchise d\u00e9signe la part que l’on assume soi-m\u00eame.\n C’est aussi l’esprit de cette publication, traiter les sujets avec clart\u00e9 et sans d\u00e9tour,\n qu’il s’agisse du march\u00e9, de la technique, des pratiques ou des anecdotes qui font le quotidien du secteur.<br><br>\n Au programme tous les 15 jours : une actualit\u00e9 march\u00e9 d\u00e9crypt\u00e9e, un focus m\u00e9tier ancr\u00e9 dans nos quatre axes\n (actuariat, op\u00e9rationnel, \u00e9quipe, strat\u00e9gie), et un clin d’\u0153il pour aborder des r\u00e9alit\u00e9s du secteur\n sous un angle moins conventionnel. <strong>Bonne lecture.<\/strong>\n <\/p>\n <\/div>\n\n \n <section class=\"section\">\n <div class=\"section-header\">\n <span class=\"section-num\">01<\/span>\n <span class=\"section-rule\"><\/span>\n <span class=\"section-label\">Actu march\u00e9<\/span>\n <\/div>\n <div class=\"tag tag-strat\">Strat\u00e9gie<\/div>\n <h2 class=\"section-title\">March\u00e9 IARD : le r\u00e9\u00e9quilibrage est r\u00e9el, mais il ne profite pas \u00e0 tout le monde<\/h2>\n <p class=\"section-subtitle\">Dommages, RC, cyber retrouvent de la fluidit\u00e9. L’auto, la construction et les cat nat restent sous pression. Sur les risques d’entreprises, la s\u00e9lectivit\u00e9 d\u00e9pend directement de la qualit\u00e9 du dossier de pr\u00e9vention.<\/p>\n\n <p>\n Apr\u00e8s plusieurs ann\u00e9es de durcissement, le march\u00e9 de l’assurance dommages amorce\n une phase de r\u00e9\u00e9quilibrage en 2026. Les primes non-vie ont progress\u00e9 de <strong>+5,4%<\/strong> au premier\n semestre 2025, tandis que la charge sinistres n’augmentait que de <strong>+2,3%<\/strong> sur la m\u00eame p\u00e9riode.\n Ce diff\u00e9rentiel a restaur\u00e9 la profitabilit\u00e9 des assureurs sur plusieurs lignes, ce qui se traduit\n par un retour de capacit\u00e9s et une intensification de la concurrence. <em>\u2460<\/em>\n <\/p>\n\n <div class=\"stat-row\">\n <div class=\"stat-box\">\n <div class=\"stat-num\">+5,4 %<\/div>\n <div class=\"stat-label\">de hausse des primes non-vie au S1 2025, contre seulement +2,3% de hausse des sinistres <em>\u2460<\/em><\/div>\n <\/div>\n <div class=\"stat-box yellow\">\n <div class=\"stat-num\">5,2 Md\u20ac<\/div>\n <div class=\"stat-label\">co\u00fbt des \u00e9v\u00e9nements naturels en France en 2025, dont 2,2 Md\u20ac pour la gr\u00eale seule, 2e ann\u00e9e la plus co\u00fbteuse depuis 1984 <em>\u2461<\/em><\/div>\n <\/div>\n <\/div>\n\n <p>\n Ce r\u00e9\u00e9quilibrage est toutefois tr\u00e8s in\u00e9gal selon les lignes. <strong>Trois branches retrouvent\n clairement de la fluidit\u00e9 :<\/strong> les dommages aux biens (sauf activit\u00e9s complexes), la responsabilit\u00e9\n civile (hors expositions \u00c9tats-Unis), et le cyber, qui poursuit sa d\u00e9tente entam\u00e9e en 2023.\n Sur ces segments, les assureurs sont en position d’app\u00e9tit et la concurrence entre porteurs\n joue en faveur des assur\u00e9s bien pr\u00e9par\u00e9s.\n <\/p>\n\n <p>\n <strong>\u00c0 l’inverse, trois lignes restent sous tension structurelle :<\/strong> l’automobile, notamment\n les flottes \u00e9lectriques, dont les co\u00fbts de r\u00e9paration explosent et compliquent l’assurabilit\u00e9,\n la construction, p\u00e9nalis\u00e9e par le ralentissement de l’activit\u00e9 en France, et les catastrophes naturelles,\n o\u00f9 la sinistralit\u00e9 climatique force les assureurs \u00e0 durcir leur s\u00e9lection et \u00e0 r\u00e9viser\n leurs expositions g\u00e9ographiques.\n <\/p>\n\n <div class=\"pull-quote\">\n <p>\u00ab La pr\u00e9vention n’est plus une contrainte : elle est devenue un levier de n\u00e9gociation \u00e0 part enti\u00e8re. \u00bb<\/p>\n <cite>Verspieren, Synth\u00e8se des renouvellements 2026 <em>\u2462<\/em><\/cite>\n <\/div>\n\n <p>\n Sur le segment des risques d’entreprises, la s\u00e9lectivit\u00e9 ne s’exerce pas de mani\u00e8re uniforme.\n <strong>Les grands comptes disposant d’une sinistralit\u00e9 ma\u00eetris\u00e9e b\u00e9n\u00e9ficient pleinement\n de l’assouplissement.<\/strong> Les PME et les secteurs \u00e0 sinistralit\u00e9 \u00e9lev\u00e9e continuent\n de faire face \u00e0 des conditions plus restrictives : les assureurs exigent une documentation\n pr\u00e9cise des expositions, des actions de pr\u00e9vention tra\u00e7ables et une gouvernance des risques lisible.\n <\/p>\n\n <\/section>\n\n \n <section class=\"section\">\n <div class=\"section-header\">\n <span class=\"section-num\">02<\/span>\n <span class=\"section-rule\"><\/span>\n <span class=\"section-label\">Focus, Actuariat<\/span>\n <\/div>\n <div class=\"tag tag-tech\">Technique<\/div>\n <h2 class=\"section-title\">L’IA en souscription : outil d’aide \u00e0 la d\u00e9cision ou substitut au jugement expert ?<\/h2>\n <p class=\"section-subtitle\">Ce que les mod\u00e8les font bien, leurs limites actuelles, et o\u00f9 l’expertise humaine reste d\u00e9terminante.<\/p>\n\n <p>\n L’intelligence artificielle franchit en 2026 le cap du d\u00e9ploiement \u00e0 grande \u00e9chelle dans les m\u00e9tiers de l’assurance.\n Souscription, gestion des sinistres, pricing, relation client : les cas d’usage se multiplient.\n Le principal frein \u00e0 cette transformation reste la dette technologique des syst\u00e8mes informatiques historiques,\n dont la modernisation est d\u00e9sormais trait\u00e9e comme une priorit\u00e9 strat\u00e9gique par la majorit\u00e9 des acteurs du march\u00e9.\n <\/p>\n\n <p>\n Quels sont concr\u00e8tement les domaines dans lesquels l’IA apporte une valeur ajout\u00e9e mesurable aujourd’hui ?\n <\/p>\n\n <div class=\"focus-grid\">\n <div class=\"focus-item\">\n <div class=\"focus-item-num\">01<\/div>\n <strong>Segmentation du risque<\/strong>\n <p>Croisement de donn\u00e9es comportementales, historiques et contextuelles pour affiner le profil assur\u00e9 en temps r\u00e9el<\/p>\n <\/div>\n <div class=\"focus-item\">\n <div class=\"focus-item-num\">02<\/div>\n <strong>D\u00e9tection de fraude<\/strong>\n <p>Identification de patterns sur de larges volumes de sinistres, y compris des signaux faibles difficilement d\u00e9tectables manuellement<\/p>\n <\/div>\n <div class=\"focus-item\">\n <div class=\"focus-item-num\">03<\/div>\n <strong>Pricing dynamique<\/strong>\n <p>Tarification \u00e0 l’usage et ajustement continu selon le comportement r\u00e9el de l’assur\u00e9, notamment en assurance auto<\/p>\n <\/div>\n <div class=\"focus-item\">\n <div class=\"focus-item-num\">04<\/div>\n <strong>Traitement des sinistres simples<\/strong>\n <p>Automatisation des dossiers standardis\u00e9s, lib\u00e9rant les experts pour les situations complexes ou \u00e0 fort enjeu<\/p>\n <\/div>\n <\/div>\n\n <p>\n Les limites demeurent r\u00e9elles sur les <strong>risques \u00e9mergents, atypiques ou sans historique suffisant.<\/strong>\n Un risque cyber sur un secteur de niche, une structure juridique complexe,\n un sinistre avec des enjeux de r\u00e9putation : face \u00e0 ces cas, le mod\u00e8le manque de donn\u00e9es de r\u00e9f\u00e9rence\n ou peut produire des analogies inappropri\u00e9es.\n <\/p>\n\n <p>\n La question n’est donc pas de savoir si l’IA va remplacer l’actuaire,\n mais <strong>qui dispose de la double comp\u00e9tence pour auditer ce que la machine produit<\/strong>\n et en valider la pertinence dans un contexte donn\u00e9. Ce profil hybride, \u00e0 la crois\u00e9e de la technique actuarielle\n et de la ma\u00eetrise des outils d’IA, repr\u00e9sente aujourd’hui un atout diff\u00e9renciant consid\u00e9rable.\n <\/p>\n <\/section>\n\n \n <div class=\"anecdote\">\n <div class=\"anecdote-header\">\n <span class=\"section-label-dark\">03, Clin d’\u0153il<\/span>\n <\/div>\n <h2 class=\"section-title\">1,7 million de locataires sans assurance habitation, malgr\u00e9 une obligation l\u00e9gale<\/h2>\n <p class=\"section-subtitle\">Ce que disent les chiffres de France Assureurs.<\/p>\n\n <p>\n Selon France Assureurs, <strong>797 000 r\u00e9sidences principales n’\u00e9taient pas couvertes\n par une assurance habitation au 1er janvier 2024<\/strong>, sur un parc total de 31,4 millions\n de logements en France. Rapport\u00e9 \u00e0 la moyenne de 2,2 personnes par r\u00e9sidence principale,\n cela repr\u00e9sente environ <strong>1,7 million de personnes<\/strong>, soit 2,5% de la population fran\u00e7aise. <em>\u2464<\/em>\n <\/p>\n\n <p>\n Ces non-assur\u00e9s sont majoritairement des <strong>locataires<\/strong>. Or l’assurance habitation\n est une <strong>obligation l\u00e9gale pour tout locataire<\/strong>, impos\u00e9e par la loi du 6 juillet 1989 :\n le locataire doit couvrir au minimum les risques locatifs (incendie, d\u00e9g\u00e2ts des eaux, explosion)\n et fournir une attestation d’assurance au bailleur \u00e0 l’entr\u00e9e dans les lieux, puis chaque ann\u00e9e.\n Le non-respect de cette obligation peut entra\u00eener la r\u00e9siliation du bail. <em>\u2465<\/em>\n <\/p>\n\n <div class=\"pull-quote\">\n <p>\u00ab La prime moyenne d’un locataire s’\u00e9tablit \u00e0 137\u20ac par an selon LeComparateurAssurance.com, soit moins de 38 centimes par jour. \u00bb<\/p>\n <cite>LeComparateurAssurance.com, barom\u00e8tre avril 2026 <em>\u2466<\/em><\/cite>\n <\/div>\n\n <p>\n Parmi les facteurs qui pourraient expliquer ce ph\u00e9nom\u00e8ne figureraient la contrainte financi\u00e8re,\n dans un contexte de hausse continue des primes, ainsi que la m\u00e9connaissance des obligations l\u00e9gales.\n Les familles modestes seraient particuli\u00e8rement concern\u00e9es par le renoncement\n \u00e0 l’assurance habitation. <em>\u2466<\/em>\n <\/p>\n <\/div>\n\n \n <div class=\"sources\">\n <span class=\"sources-title\">Sources & r\u00e9f\u00e9rences<\/span>\n\n <div class=\"source-item\">\n <span class=\"source-num\">\u2460<\/span>\n <div class=\"source-content\">\n <strong>Primes non-vie +5,4% \/ sinistres +2,3% au S1 2025<\/strong>\n ACPR (Autorit\u00e9 de Contr\u00f4le Prudentiel et de R\u00e9solution), <em>Bulletin n\u00b0177 \u2014 Situation des assureurs en France au premier semestre 2025<\/em>. Source institutionnelle. D\u00e9tail par ligne : auto +7,5% de primes \/ +11,3% de sinistres, incendie & dommages aux biens +7,7% de primes \/ -5,6% de sinistres, frais m\u00e9dicaux +4,3% \/ +1,9%.\n <\/div>\n <\/div>\n\n <div class=\"source-item\">\n <span class=\"source-num\">\u2461<\/span>\n <div class=\"source-content\">\n <strong>5,2 Md\u20ac de co\u00fbt des \u00e9v\u00e9nements naturels en 2025, dont 2,2 Md\u20ac pour la gr\u00eale<\/strong>\n France Assureurs (FFA), tribune de Florence Lustman, pr\u00e9sidente, publi\u00e9e le 25 mars 2026. Source institutionnelle confirm\u00e9e.\n <\/div>\n <\/div>\n\n <div class=\"source-item\">\n <span class=\"source-num\">\u2462<\/span>\n <div class=\"source-content\">\n <strong>Citation sur la pr\u00e9vention comme levier de n\u00e9gociation<\/strong>\n Verspieren, <em>Synth\u00e8se des renouvellements 2026<\/em>, avril 2026. Confirm\u00e9 par WTW (<em>\u00c9tat du march\u00e9 de l’assurance au 1er janvier 2025<\/em>) et Howden France (<em>Note de conjoncture 2026<\/em>). Sources secondaires de courtiers convergentes.\n <\/div>\n <\/div>\n\n <div class=\"source-item\">\n <span class=\"source-num\">\u2463<\/span>\n <div class=\"source-content\">\n <strong>S\u00e9lectivit\u00e9 accrue pour les PME, segmentation grands comptes \/ PME<\/strong>\n Howden France, <em>Note de conjoncture 2026<\/em>, mars 2026. Confirm\u00e9 par WTW et Verspieren. Convergence de trois courtiers ind\u00e9pendants sur ce point.\n <\/div>\n <\/div>\n\n <div class=\"source-item\">\n <span class=\"source-num\">\u2464<\/span>\n <div class=\"source-content\">\n <strong>797 000 r\u00e9sidences non assur\u00e9es au 1er janvier 2024, soit ~1,7 million de personnes (2,5% de la population)<\/strong>\n France Assureurs (FFA), <em>L’assurance habitation en 2024<\/em>, publi\u00e9 ao\u00fbt 2025. Source institutionnelle.\n Calcul : 797 000 logements \u00d7 2,2 personnes\/logement (moyenne nationale). Le rapport \u00e9quivalent pour 2025 n’est pas encore publi\u00e9 \u00e0 la date de cette \u00e9dition.\n Lien : franceassureurs.fr\/nos-chiffres-cles\/assurance-de-dommages-et-responsabilite\/lassurance-habitation-en-2024\/\n <\/div>\n <\/div>\n\n <div class=\"source-item\">\n <span class=\"source-num\">\u2465<\/span>\n <div class=\"source-content\">\n <strong>Obligation l\u00e9gale d’assurance habitation pour les locataires<\/strong>\n Loi n\u00b089-462 du 6 juillet 1989 tendant \u00e0 am\u00e9liorer les rapports locatifs. Le locataire doit couvrir au minimum les risques locatifs et fournir une attestation au bailleur. Source : service-public.fr et legifrance.gouv.fr.\n <\/div>\n <\/div>\n\n <div class=\"source-item\">\n <span class=\"source-num\">\u2466<\/span>\n <div class=\"source-content\">\n <strong>Prime moyenne locataire \u00e0 137\u20ac\/an (avril 2026) , causes du non-assurance<\/strong>\n LeComparateurAssurance.com, <em>Barom\u00e8tre de l’assurance habitation, avril 2026<\/em>. \u00c9tude r\u00e9alis\u00e9e entre le 01\/03\/2026 et le 31\/03\/2026 sur 2 604 primes, dont 1 261 profils locataires. Source commerciale (comparateur). Les causes document\u00e9es du renoncement \u00e0 l’assurance (contrainte financi\u00e8re, m\u00e9connaissance des obligations) sont \u00e9galement cit\u00e9es par cette m\u00eame source. Aucune source institutionnelle ne les hi\u00e9rarchise chiffr\u00e9es \u00e0 ce jour.\n <\/div>\n <\/div>\n\n <div class=\"source-alert\">\n <strong>Note \u00e9ditoriale :<\/strong> le chiffre de 797 000 logements non assur\u00e9s est issu du rapport officiel France Assureurs (donn\u00e9es au 1er janvier 2024). La prime locataire de 137\u20ac provient d’un comparateur commercial. Le rapport FFA sur l’assurance habitation pour l’ann\u00e9e 2025 est attendu courant \u00e9t\u00e9 2026.\n <\/div>\n <\/div>\n\n \n <div class=\"teaser\">\n <div class=\"teaser-label\">Au prochain num\u00e9ro, fin mai 2026<\/div>\n <p>\n <strong>Absent\u00e9isme record, sant\u00e9 mentale et pr\u00e9voyance collective :<\/strong>\n comment appr\u00e9hender un risque psychosocial en forte progression,\n et ce que cela implique concr\u00e8tement pour la conception et le pilotage des contrats en entreprise.\n <\/p>\n <\/div>\n\n \n <footer class=\"footer\">\n <div class=\"footer-left\">\n <img decoding=\"async\" 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alt=\"Indiqo\">\n <div>\n <div class=\"footer-brand\">La Fran<span>ch<\/span>ise<\/div>\n\n <\/div>\n <\/div>\n <div class=\"footer-info\">\n N\u00b0 01, Mai 2026<br>\n Conseil en Assurance<br>\n Publication bi-mensuelle\n <\/div>\n <\/footer>\n\n<\/div>\n<\/body>\n<\/html>\n\n\n\n\n<div style=\"height:14px\" aria-hidden=\"true\" class=\"wp-block-spacer wp-container-content-943fad18\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-default\"\/>\n\n\n\n<div style=\"height:16px\" aria-hidden=\"true\" class=\"wp-block-spacer wp-container-content-f9bd05ee\"><\/div>\n\n\n\n<p class=\"has-custom-indigo-color has-text-color has-link-color wp-elements-829cd72ab38822481316d2de9e69d723 wp-block-paragraph\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.375), 1.1rem);\"><strong>Derniers Articles<\/strong><\/p>\n\n\n<ul style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.042), 0.9rem)\" class=\"wp-block-latest-posts__list 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Le nom n’est pas anodin : en assurance, la franchise […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-370","post","type-post","status-publish","format-standard","hentry","category-lafranchise"],"_links":{"self":[{"href":"https:\/\/pro.indiqo.fr\/en\/wp-json\/wp\/v2\/posts\/370","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pro.indiqo.fr\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pro.indiqo.fr\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pro.indiqo.fr\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/pro.indiqo.fr\/en\/wp-json\/wp\/v2\/comments?post=370"}],"version-history":[{"count":25,"href":"https:\/\/pro.indiqo.fr\/en\/wp-json\/wp\/v2\/posts\/370\/revisions"}],"predecessor-version":[{"id":439,"href":"https:\/\/pro.indiqo.fr\/en\/wp-json\/wp\/v2\/posts\/370\/revisions\/439"}],"wp:attachment":[{"href":"https:\/\/pro.indiqo.fr\/en\/wp-json\/wp\/v2\/media?parent=370"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pro.indiqo.fr\/en\/wp-json\/wp\/v2\/categories?post=370"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pro.indiqo.fr\/en\/wp-json\/wp\/v2\/tags?post=370"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

\n\n\n\n\n\nLa Franchise \u2014 N\u00b01 \u2014 Mai 2026<\/title>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Playfair+Display:ital,wght@0,400;0,700;0,900;1,400;1,700&family=DM+Sans:wght@300;400;500&family=DM+Mono:wght@400;500&display=swap\" rel=\"stylesheet\">\n<style>\n :root {\n --indigo: #2b1b69;\n --blue: #38ceff;\n --yellow: #ffdb29;\n --coral: #ff666d;\n --green: #53d571;\n --cream: #fedb8b;\n --red: #ff0505;\n --white: #ffffff;\n --off-white: #f4f1ff;\n --light-bg: #ede9ff;\n --mid: #6e61a8;\n --rule: #d5cff0;\n --ink: #1a1040;\n }\n\n * { margin: 0; padding: 0; box-sizing: border-box; }\n\n body {\n background: #ddd8f5;\n color: var(--ink);\n font-family: 'DM Sans', sans-serif;\n font-weight: 300;\n line-height: 1.65;\n -webkit-font-smoothing: antialiased;\n }\n\n .page {\n max-width: 880px;\n margin: 0 auto;\n background: var(--white);\n width: 100%;\n }\n\n \/* \u2500\u2500 MASTHEAD \u2500\u2500 *\/\n .masthead {\n background: var(--indigo);\n padding: 36px 48px 32px;\n border-bottom: 4px solid var(--yellow);\n }\n\n .masthead-inner {\n display: flex;\n align-items: center;\n justify-content: space-between;\n gap: 24px;\n margin-bottom: 20px;\n }\n\n .masthead-logo img {\n width: 80px;\n height: 80px;\n object-fit: contain;\n display: block;\n }\n\n .masthead-titles {\n flex: 1;\n }\n\n .masthead-meta {\n font-family: 'DM Mono', monospace;\n font-size: 10.5px;\n letter-spacing: 0.2em;\n text-transform: uppercase;\n color: rgba(255,255,255,0.75);\n margin-bottom: 8px;\n }\n\n .logo {\n font-family: 'Playfair Display', serif;\n font-size: 52px;\n font-weight: 900;\n line-height: 1;\n letter-spacing: -1.5px;\n color: var(--white);\n }\n\n .logo span { color: var(--yellow); }\n\n .tagline {\n margin-top: 18px;\n padding-top: 16px;\n border-top: 1px solid rgba(255,255,255,0.15);\n font-family: 'DM Mono', monospace;\n font-size: 12.5px;\n letter-spacing: 0.18em;\n text-transform: uppercase;\n color: rgba(255,255,255,0.55);\n }\n\n \/* \u2500\u2500 \u00c9DITO \u2500\u2500 *\/\n .edito {\n background: var(--indigo);\n padding: 32px 48px 40px;\n border-bottom: 1px solid rgba(255,255,255,0.1);\n }\n\n .edito-label {\n font-family: 'DM Mono', monospace;\n font-size: 10.5px;\n letter-spacing: 0.22em;\n text-transform: uppercase;\n color: var(--blue);\n margin-bottom: 14px;\n display: block;\n }\n\n .edito p {\n font-size: 17px;\n line-height: 1.78;\n color: rgba(255,255,255,0.88);\n }\n\n .edito strong {\n color: var(--white);\n font-weight: 500;\n }\n\n \/* \u2500\u2500 SECTIONS \u2500\u2500 *\/\n .section {\n padding: 40px 48px;\n border-bottom: 1px solid var(--rule);\n }\n\n .section-header {\n display: flex;\n align-items: center;\n gap: 14px;\n margin-bottom: 22px;\n }\n\n .section-num {\n font-family: 'DM Mono', monospace;\n font-size: 12.5px;\n font-weight: 500;\n color: var(--indigo);\n letter-spacing: 0.08em;\n flex-shrink: 0;\n background: var(--light-bg);\n padding: 3px 9px;\n }\n\n .section-rule {\n flex: 1;\n height: 1px;\n background: var(--rule);\n }\n\n .section-label {\n font-family: 'DM Mono', monospace;\n font-size: 10.5px;\n letter-spacing: 0.2em;\n text-transform: uppercase;\n color: var(--mid);\n flex-shrink: 0;\n }\n\n .section-title {\n font-family: 'Playfair Display', serif;\n font-size: 30px;\n font-weight: 700;\n line-height: 1.25;\n margin-bottom: 6px;\n color: var(--indigo);\n }\n\n .section-subtitle {\n font-size: 15px;\n color: var(--mid);\n font-style: italic;\n margin-bottom: 20px;\n font-family: 'Playfair Display', serif;\n }\n\n \/* \u2500\u2500 TAGS \u2500\u2500 *\/\n .tag {\n display: inline-block;\n font-family: 'DM Mono', monospace;\n font-size: 10.5px;\n letter-spacing: 0.15em;\n text-transform: uppercase;\n padding: 3px 10px;\n margin-bottom: 14px;\n font-weight: 500;\n }\n .tag-strat { background: var(--indigo); color: var(--white); }\n .tag-tech { background: var(--yellow); color: var(--indigo); }\n\n \/* \u2500\u2500 STAT ROW \u2500\u2500 *\/\n .stat-row {\n display: grid;\n grid-template-columns: 1fr 1fr;\n gap: 14px;\n margin: 24px 0;\n }\n\n .stat-box {\n background: var(--off-white);\n border-top: 3px solid var(--blue);\n padding: 20px;\n }\n .stat-box.yellow { border-top-color: var(--yellow); }\n\n .stat-num {\n font-family: 'Playfair Display', serif;\n font-size: 42px;\n font-weight: 900;\n color: var(--indigo);\n line-height: 1;\n margin-bottom: 6px;\n }\n\n .stat-label {\n font-size: 13.5px;\n color: var(--mid);\n line-height: 1.45;\n }\n\n \/* \u2500\u2500 PULL QUOTE \u2500\u2500 *\/\n .pull-quote {\n border-left: 4px solid var(--blue);\n padding: 16px 22px;\n margin: 24px 0;\n background: var(--off-white);\n }\n\n .pull-quote p {\n font-family: 'Playfair Display', serif;\n font-size: 19px;\n font-style: italic;\n line-height: 1.55;\n color: var(--indigo);\n }\n\n .pull-quote cite {\n display: block;\n margin-top: 10px;\n font-family: 'DM Mono', monospace;\n font-size: 11.5px;\n color: var(--mid);\n font-style: normal;\n 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{\n font-family: 'Playfair Display', serif;\n font-size: 26px;\n font-weight: 900;\n color: var(--indigo);\n opacity: 0.15;\n line-height: 1;\n margin-bottom: 8px;\n }\n\n .focus-item strong {\n display: block;\n font-size: 15px;\n color: var(--indigo);\n font-weight: 500;\n margin-bottom: 5px;\n }\n\n .focus-item p {\n font-size: 14px;\n margin-bottom: 0;\n color: var(--mid);\n line-height: 1.5;\n }\n\n \/* \u2500\u2500 ANECDOTE \u2500\u2500 *\/\n .anecdote {\n background: var(--indigo);\n padding: 40px 48px;\n }\n\n .anecdote-header {\n display: flex;\n align-items: center;\n justify-content: space-between;\n margin-bottom: 20px;\n }\n\n .anecdote-header-logo img {\n width: 44px;\n height: 44px;\n object-fit: contain;\n opacity: 0.6;\n }\n\n .anecdote .section-label-dark {\n font-family: 'DM Mono', monospace;\n font-size: 10.5px;\n letter-spacing: 0.22em;\n text-transform: uppercase;\n color: var(--coral);\n margin-bottom: 14px;\n display: block;\n }\n\n .anecdote .section-title {\n color: var(--white);\n margin-bottom: 6px;\n }\n\n .anecdote .section-subtitle {\n color: rgba(255,255,255,0.55);\n }\n\n .anecdote p {\n color: rgba(255,255,255,0.88);\n font-size: 17px;\n line-height: 1.75;\n margin-bottom: 14px;\n }\n\n .anecdote strong { color: var(--white); font-weight: 500; }\n\n .anecdote .pull-quote {\n background: rgba(255,255,255,0.08);\n border-left-color: var(--yellow);\n }\n\n .anecdote .pull-quote p {\n color: var(--white);\n font-size: 15px;\n }\n\n \/* \u2500\u2500 TEASER \u2500\u2500 *\/\n .teaser {\n padding: 24px 48px;\n background: var(--light-bg);\n border-top: 2px solid var(--indigo);\n }\n\n .teaser-label {\n font-family: 'DM Mono', monospace;\n font-size: 10.5px;\n letter-spacing: 0.2em;\n text-transform: uppercase;\n color: var(--mid);\n margin-bottom: 8px;\n }\n\n .teaser p {\n font-size: 15px;\n color: var(--mid);\n margin-bottom: 0;\n }\n\n .teaser strong { color: var(--indigo); font-weight: 500; }\n\n \/* \u2500\u2500 FOOTER \u2500\u2500 *\/\n .footer {\n background: var(--indigo);\n padding: 32px 48px;\n display: flex;\n align-items: center;\n justify-content: space-between;\n gap: 24px;\n }\n\n .footer-left {\n display: flex;\n align-items: center;\n gap: 16px;\n }\n\n .footer-left img {\n width: 52px;\n height: 52px;\n object-fit: contain;\n display: block;\n }\n\n .footer-brand {\n font-family: 'Playfair Display', serif;\n font-size: 20px;\n font-weight: 700;\n color: var(--white);\n line-height: 1.1;\n }\n\n .footer-brand span { color: var(--yellow); }\n\n .footer-sub {\n font-family: 'DM Mono', monospace;\n font-size: 10.5px;\n color: rgba(255,255,255,0.4);\n letter-spacing: 0.1em;\n text-transform: uppercase;\n margin-top: 4px;\n }\n\n .footer-info {\n font-family: 'DM Mono', monospace;\n font-size: 11.5px;\n color: rgba(255,255,255,0.75);\n text-align: right;\n line-height: 1.9;\n }\n\n \/* \u2500\u2500 SOURCES \u2500\u2500 *\/\n .sources {\n padding: 32px 48px;\n background: var(--off-white);\n border-top: 1px solid var(--rule);\n }\n\n .sources-title {\n font-family: 'DM Mono', monospace;\n font-size: 10.5px;\n letter-spacing: 0.22em;\n text-transform: uppercase;\n color: var(--mid);\n margin-bottom: 18px;\n display: block;\n }\n\n .source-item {\n display: grid;\n grid-template-columns: 18px 1fr;\n gap: 8px;\n margin-bottom: 12px;\n align-items: baseline;\n }\n\n .source-num {\n font-family: 'DM Mono', monospace;\n font-size: 10.5px;\n color: var(--indigo);\n font-weight: 500;\n padding-top: 2px;\n }\n\n .source-content {\n font-size: 13.5px;\n line-height: 1.55;\n color: var(--mid);\n }\n\n .source-content strong {\n font-size: 13.5px;\n color: var(--indigo);\n font-weight: 500;\n display: block;\n margin-bottom: 1px;\n }\n\n .source-content em {\n font-style: normal;\n color: #9b8fc0;\n }\n\n .source-alert {\n margin-top: 16px;\n padding: 12px 16px;\n background: #fff8e6;\n border-left: 3px solid var(--yellow);\n font-size: 13.5px;\n color: var(--mid);\n line-height: 1.55;\n }\n\n 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alt=\"Indiqo\">\n <\/div>\n <div class=\"masthead-titles\">\n <div class=\"masthead-meta\">N\u00b0 01 \u00b7 Mai 2026 \u00b7 Publication bi-mensuelle<\/div>\n <div class=\"logo\">La Fran<span>ch<\/span>ise<\/div>\n <\/div>\n <\/div>\n <div class=\"tagline\">La newsletter qui fait le lien entre conseil en assurance et r\u00e9alit\u00e9 du march\u00e9<\/div>\n <\/header>\n\n \n <div class=\"edito\">\n <span class=\"edito-label\">Mot d’ouverture<\/span>\n <p>\n Bienvenue dans <strong>La Franchise<\/strong>, la newsletter d’Indiqo d\u00e9di\u00e9e aux acteurs de l’assurance.\n Le nom n’est pas anodin : en assurance, la franchise d\u00e9signe la part que l’on assume soi-m\u00eame.\n C’est aussi l’esprit de cette publication, traiter les sujets avec clart\u00e9 et sans d\u00e9tour,\n qu’il s’agisse du march\u00e9, de la technique, des pratiques ou des anecdotes qui font le quotidien du secteur.<br><br>\n Au programme tous les 15 jours : une actualit\u00e9 march\u00e9 d\u00e9crypt\u00e9e, un focus m\u00e9tier ancr\u00e9 dans nos quatre axes\n (actuariat, op\u00e9rationnel, \u00e9quipe, strat\u00e9gie), et un clin d’\u0153il pour aborder des r\u00e9alit\u00e9s du secteur\n sous un angle moins conventionnel. <strong>Bonne lecture.<\/strong>\n <\/p>\n <\/div>\n\n \n <section class=\"section\">\n <div class=\"section-header\">\n <span class=\"section-num\">01<\/span>\n <span class=\"section-rule\"><\/span>\n <span class=\"section-label\">Actu march\u00e9<\/span>\n <\/div>\n <div class=\"tag tag-strat\">Strat\u00e9gie<\/div>\n <h2 class=\"section-title\">March\u00e9 IARD : le r\u00e9\u00e9quilibrage est r\u00e9el, mais il ne profite pas \u00e0 tout le monde<\/h2>\n <p class=\"section-subtitle\">Dommages, RC, cyber retrouvent de la fluidit\u00e9. L’auto, la construction et les cat nat restent sous pression. Sur les risques d’entreprises, la s\u00e9lectivit\u00e9 d\u00e9pend directement de la qualit\u00e9 du dossier de pr\u00e9vention.<\/p>\n\n <p>\n Apr\u00e8s plusieurs ann\u00e9es de durcissement, le march\u00e9 de l’assurance dommages amorce\n une phase de r\u00e9\u00e9quilibrage en 2026. Les primes non-vie ont progress\u00e9 de <strong>+5,4%<\/strong> au premier\n semestre 2025, tandis que la charge sinistres n’augmentait que de <strong>+2,3%<\/strong> sur la m\u00eame p\u00e9riode.\n Ce diff\u00e9rentiel a restaur\u00e9 la profitabilit\u00e9 des assureurs sur plusieurs lignes, ce qui se traduit\n par un retour de capacit\u00e9s et une intensification de la concurrence. <em>\u2460<\/em>\n <\/p>\n\n <div class=\"stat-row\">\n <div class=\"stat-box\">\n <div class=\"stat-num\">+5,4 %<\/div>\n <div class=\"stat-label\">de hausse des primes non-vie au S1 2025, contre seulement +2,3% de hausse des sinistres <em>\u2460<\/em><\/div>\n <\/div>\n <div class=\"stat-box yellow\">\n <div class=\"stat-num\">5,2 Md\u20ac<\/div>\n <div class=\"stat-label\">co\u00fbt des \u00e9v\u00e9nements naturels en France en 2025, dont 2,2 Md\u20ac pour la gr\u00eale seule, 2e ann\u00e9e la plus co\u00fbteuse depuis 1984 <em>\u2461<\/em><\/div>\n <\/div>\n <\/div>\n\n <p>\n Ce r\u00e9\u00e9quilibrage est toutefois tr\u00e8s in\u00e9gal selon les lignes. <strong>Trois branches retrouvent\n clairement de la fluidit\u00e9 :<\/strong> les dommages aux biens (sauf activit\u00e9s complexes), la responsabilit\u00e9\n civile (hors expositions \u00c9tats-Unis), et le cyber, qui poursuit sa d\u00e9tente entam\u00e9e en 2023.\n Sur ces segments, les assureurs sont en position d’app\u00e9tit et la concurrence entre porteurs\n joue en faveur des assur\u00e9s bien pr\u00e9par\u00e9s.\n <\/p>\n\n <p>\n <strong>\u00c0 l’inverse, trois lignes restent sous tension structurelle :<\/strong> l’automobile, notamment\n les flottes \u00e9lectriques, dont les co\u00fbts de r\u00e9paration explosent et compliquent l’assurabilit\u00e9,\n la construction, p\u00e9nalis\u00e9e par le ralentissement de l’activit\u00e9 en France, et les catastrophes naturelles,\n o\u00f9 la sinistralit\u00e9 climatique force les assureurs \u00e0 durcir leur s\u00e9lection et \u00e0 r\u00e9viser\n leurs expositions g\u00e9ographiques.\n <\/p>\n\n <div class=\"pull-quote\">\n <p>\u00ab La pr\u00e9vention n’est plus une contrainte : elle est devenue un levier de n\u00e9gociation \u00e0 part enti\u00e8re. \u00bb<\/p>\n <cite>Verspieren, Synth\u00e8se des renouvellements 2026 <em>\u2462<\/em><\/cite>\n <\/div>\n\n <p>\n Sur le segment des risques d’entreprises, la s\u00e9lectivit\u00e9 ne s’exerce pas de mani\u00e8re uniforme.\n <strong>Les grands comptes disposant d’une sinistralit\u00e9 ma\u00eetris\u00e9e b\u00e9n\u00e9ficient pleinement\n de l’assouplissement.<\/strong> Les PME et les secteurs \u00e0 sinistralit\u00e9 \u00e9lev\u00e9e continuent\n de faire face \u00e0 des conditions plus restrictives : les assureurs exigent une documentation\n pr\u00e9cise des expositions, des actions de pr\u00e9vention tra\u00e7ables et une gouvernance des risques lisible.\n <\/p>\n\n <\/section>\n\n \n <section class=\"section\">\n <div class=\"section-header\">\n <span class=\"section-num\">02<\/span>\n <span class=\"section-rule\"><\/span>\n <span class=\"section-label\">Focus, Actuariat<\/span>\n <\/div>\n <div class=\"tag tag-tech\">Technique<\/div>\n <h2 class=\"section-title\">L’IA en souscription : outil d’aide \u00e0 la d\u00e9cision ou substitut au jugement expert ?<\/h2>\n <p class=\"section-subtitle\">Ce que les mod\u00e8les font bien, leurs limites actuelles, et o\u00f9 l’expertise humaine reste d\u00e9terminante.<\/p>\n\n <p>\n L’intelligence artificielle franchit en 2026 le cap du d\u00e9ploiement \u00e0 grande \u00e9chelle dans les m\u00e9tiers de l’assurance.\n Souscription, gestion des sinistres, pricing, relation client : les cas d’usage se multiplient.\n Le principal frein \u00e0 cette transformation reste la dette technologique des syst\u00e8mes informatiques historiques,\n dont la modernisation est d\u00e9sormais trait\u00e9e comme une priorit\u00e9 strat\u00e9gique par la majorit\u00e9 des acteurs du march\u00e9.\n <\/p>\n\n <p>\n Quels sont concr\u00e8tement les domaines dans lesquels l’IA apporte une valeur ajout\u00e9e mesurable aujourd’hui ?\n <\/p>\n\n <div class=\"focus-grid\">\n <div class=\"focus-item\">\n <div class=\"focus-item-num\">01<\/div>\n <strong>Segmentation du risque<\/strong>\n <p>Croisement de donn\u00e9es comportementales, historiques et contextuelles pour affiner le profil assur\u00e9 en temps r\u00e9el<\/p>\n <\/div>\n <div class=\"focus-item\">\n <div class=\"focus-item-num\">02<\/div>\n <strong>D\u00e9tection de fraude<\/strong>\n <p>Identification de patterns sur de larges volumes de sinistres, y compris des signaux faibles difficilement d\u00e9tectables manuellement<\/p>\n <\/div>\n <div class=\"focus-item\">\n <div class=\"focus-item-num\">03<\/div>\n <strong>Pricing dynamique<\/strong>\n <p>Tarification \u00e0 l’usage et ajustement continu selon le comportement r\u00e9el de l’assur\u00e9, notamment en assurance auto<\/p>\n <\/div>\n <div class=\"focus-item\">\n <div class=\"focus-item-num\">04<\/div>\n <strong>Traitement des sinistres simples<\/strong>\n <p>Automatisation des dossiers standardis\u00e9s, lib\u00e9rant les experts pour les situations complexes ou \u00e0 fort enjeu<\/p>\n <\/div>\n <\/div>\n\n <p>\n Les limites demeurent r\u00e9elles sur les <strong>risques \u00e9mergents, atypiques ou sans historique suffisant.<\/strong>\n Un risque cyber sur un secteur de niche, une structure juridique complexe,\n un sinistre avec des enjeux de r\u00e9putation : face \u00e0 ces cas, le mod\u00e8le manque de donn\u00e9es de r\u00e9f\u00e9rence\n ou peut produire des analogies inappropri\u00e9es.\n <\/p>\n\n <p>\n La question n’est donc pas de savoir si l’IA va remplacer l’actuaire,\n mais <strong>qui dispose de la double comp\u00e9tence pour auditer ce que la machine produit<\/strong>\n et en valider la pertinence dans un contexte donn\u00e9. Ce profil hybride, \u00e0 la crois\u00e9e de la technique actuarielle\n et de la ma\u00eetrise des outils d’IA, repr\u00e9sente aujourd’hui un atout diff\u00e9renciant consid\u00e9rable.\n <\/p>\n <\/section>\n\n \n <div class=\"anecdote\">\n <div class=\"anecdote-header\">\n <span class=\"section-label-dark\">03, Clin d’\u0153il<\/span>\n <\/div>\n <h2 class=\"section-title\">1,7 million de locataires sans assurance habitation, malgr\u00e9 une obligation l\u00e9gale<\/h2>\n <p class=\"section-subtitle\">Ce que disent les chiffres de France Assureurs.<\/p>\n\n <p>\n Selon France Assureurs, <strong>797 000 r\u00e9sidences principales n’\u00e9taient pas couvertes\n par une assurance habitation au 1er janvier 2024<\/strong>, sur un parc total de 31,4 millions\n de logements en France. Rapport\u00e9 \u00e0 la moyenne de 2,2 personnes par r\u00e9sidence principale,\n cela repr\u00e9sente environ <strong>1,7 million de personnes<\/strong>, soit 2,5% de la population fran\u00e7aise. <em>\u2464<\/em>\n <\/p>\n\n <p>\n Ces non-assur\u00e9s sont majoritairement des <strong>locataires<\/strong>. Or l’assurance habitation\n est une <strong>obligation l\u00e9gale pour tout locataire<\/strong>, impos\u00e9e par la loi du 6 juillet 1989 :\n le locataire doit couvrir au minimum les risques locatifs (incendie, d\u00e9g\u00e2ts des eaux, explosion)\n et fournir une attestation d’assurance au bailleur \u00e0 l’entr\u00e9e dans les lieux, puis chaque ann\u00e9e.\n Le non-respect de cette obligation peut entra\u00eener la r\u00e9siliation du bail. <em>\u2465<\/em>\n <\/p>\n\n <div class=\"pull-quote\">\n <p>\u00ab La prime moyenne d’un locataire s’\u00e9tablit \u00e0 137\u20ac par an selon LeComparateurAssurance.com, soit moins de 38 centimes par jour. \u00bb<\/p>\n <cite>LeComparateurAssurance.com, barom\u00e8tre avril 2026 <em>\u2466<\/em><\/cite>\n <\/div>\n\n <p>\n Parmi les facteurs qui pourraient expliquer ce ph\u00e9nom\u00e8ne figureraient la contrainte financi\u00e8re,\n dans un contexte de hausse continue des primes, ainsi que la m\u00e9connaissance des obligations l\u00e9gales.\n Les familles modestes seraient particuli\u00e8rement concern\u00e9es par le renoncement\n \u00e0 l’assurance habitation. <em>\u2466<\/em>\n <\/p>\n <\/div>\n\n \n <div class=\"sources\">\n <span class=\"sources-title\">Sources & r\u00e9f\u00e9rences<\/span>\n\n <div class=\"source-item\">\n <span class=\"source-num\">\u2460<\/span>\n <div class=\"source-content\">\n <strong>Primes non-vie +5,4% \/ sinistres +2,3% au S1 2025<\/strong>\n ACPR (Autorit\u00e9 de Contr\u00f4le Prudentiel et de R\u00e9solution), <em>Bulletin n\u00b0177 \u2014 Situation des assureurs en France au premier semestre 2025<\/em>. Source institutionnelle. D\u00e9tail par ligne : auto +7,5% de primes \/ +11,3% de sinistres, incendie & dommages aux biens +7,7% de primes \/ -5,6% de sinistres, frais m\u00e9dicaux +4,3% \/ +1,9%.\n <\/div>\n <\/div>\n\n <div class=\"source-item\">\n <span class=\"source-num\">\u2461<\/span>\n <div class=\"source-content\">\n <strong>5,2 Md\u20ac de co\u00fbt des \u00e9v\u00e9nements naturels en 2025, dont 2,2 Md\u20ac pour la gr\u00eale<\/strong>\n France Assureurs (FFA), tribune de Florence Lustman, pr\u00e9sidente, publi\u00e9e le 25 mars 2026. Source institutionnelle confirm\u00e9e.\n <\/div>\n <\/div>\n\n <div class=\"source-item\">\n <span class=\"source-num\">\u2462<\/span>\n <div class=\"source-content\">\n <strong>Citation sur la pr\u00e9vention comme levier de n\u00e9gociation<\/strong>\n Verspieren, <em>Synth\u00e8se des renouvellements 2026<\/em>, avril 2026. Confirm\u00e9 par WTW (<em>\u00c9tat du march\u00e9 de l’assurance au 1er janvier 2025<\/em>) et Howden France (<em>Note de conjoncture 2026<\/em>). Sources secondaires de courtiers convergentes.\n <\/div>\n <\/div>\n\n <div class=\"source-item\">\n <span class=\"source-num\">\u2463<\/span>\n <div class=\"source-content\">\n <strong>S\u00e9lectivit\u00e9 accrue pour les PME, segmentation grands comptes \/ PME<\/strong>\n Howden France, <em>Note de conjoncture 2026<\/em>, mars 2026. Confirm\u00e9 par WTW et Verspieren. Convergence de trois courtiers ind\u00e9pendants sur ce point.\n <\/div>\n <\/div>\n\n <div class=\"source-item\">\n <span class=\"source-num\">\u2464<\/span>\n <div class=\"source-content\">\n <strong>797 000 r\u00e9sidences non assur\u00e9es au 1er janvier 2024, soit ~1,7 million de personnes (2,5% de la population)<\/strong>\n France Assureurs (FFA), <em>L’assurance habitation en 2024<\/em>, publi\u00e9 ao\u00fbt 2025. Source institutionnelle.\n Calcul : 797 000 logements \u00d7 2,2 personnes\/logement (moyenne nationale). Le rapport \u00e9quivalent pour 2025 n’est pas encore publi\u00e9 \u00e0 la date de cette \u00e9dition.\n Lien : franceassureurs.fr\/nos-chiffres-cles\/assurance-de-dommages-et-responsabilite\/lassurance-habitation-en-2024\/\n <\/div>\n <\/div>\n\n <div class=\"source-item\">\n <span class=\"source-num\">\u2465<\/span>\n <div class=\"source-content\">\n <strong>Obligation l\u00e9gale d’assurance habitation pour les locataires<\/strong>\n Loi n\u00b089-462 du 6 juillet 1989 tendant \u00e0 am\u00e9liorer les rapports locatifs. Le locataire doit couvrir au minimum les risques locatifs et fournir une attestation au bailleur. Source : service-public.fr et legifrance.gouv.fr.\n <\/div>\n <\/div>\n\n <div class=\"source-item\">\n <span class=\"source-num\">\u2466<\/span>\n <div class=\"source-content\">\n <strong>Prime moyenne locataire \u00e0 137\u20ac\/an (avril 2026) , causes du non-assurance<\/strong>\n LeComparateurAssurance.com, <em>Barom\u00e8tre de l’assurance habitation, avril 2026<\/em>. \u00c9tude r\u00e9alis\u00e9e entre le 01\/03\/2026 et le 31\/03\/2026 sur 2 604 primes, dont 1 261 profils locataires. Source commerciale (comparateur). Les causes document\u00e9es du renoncement \u00e0 l’assurance (contrainte financi\u00e8re, m\u00e9connaissance des obligations) sont \u00e9galement cit\u00e9es par cette m\u00eame source. Aucune source institutionnelle ne les hi\u00e9rarchise chiffr\u00e9es \u00e0 ce jour.\n <\/div>\n <\/div>\n\n <div class=\"source-alert\">\n <strong>Note \u00e9ditoriale :<\/strong> le chiffre de 797 000 logements non assur\u00e9s est issu du rapport officiel France Assureurs (donn\u00e9es au 1er janvier 2024). La prime locataire de 137\u20ac provient d’un comparateur commercial. Le rapport FFA sur l’assurance habitation pour l’ann\u00e9e 2025 est attendu courant \u00e9t\u00e9 2026.\n <\/div>\n <\/div>\n\n \n <div class=\"teaser\">\n <div class=\"teaser-label\">Au prochain num\u00e9ro, fin mai 2026<\/div>\n <p>\n <strong>Absent\u00e9isme record, sant\u00e9 mentale et pr\u00e9voyance collective :<\/strong>\n comment appr\u00e9hender un risque psychosocial en forte progression,\n et ce que cela implique concr\u00e8tement pour la conception et le pilotage des contrats en entreprise.\n <\/p>\n <\/div>\n\n \n <footer class=\"footer\">\n <div class=\"footer-left\">\n <img decoding=\"async\" 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alt=\"Indiqo\">\n <div>\n <div class=\"footer-brand\">La Fran<span>ch<\/span>ise<\/div>\n\n <\/div>\n <\/div>\n <div class=\"footer-info\">\n N\u00b0 01, Mai 2026<br>\n Conseil en Assurance<br>\n Publication bi-mensuelle\n <\/div>\n <\/footer>\n\n<\/div>\n<\/body>\n<\/html>\n\n\n\n\n<div style=\"height:14px\" aria-hidden=\"true\" class=\"wp-block-spacer wp-container-content-943fad18\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-default\"\/>\n\n\n\n<div style=\"height:16px\" aria-hidden=\"true\" class=\"wp-block-spacer wp-container-content-f9bd05ee\"><\/div>\n\n\n\n<p class=\"has-custom-indigo-color has-text-color has-link-color wp-elements-829cd72ab38822481316d2de9e69d723 wp-block-paragraph\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.375), 1.1rem);\"><strong>Derniers Articles<\/strong><\/p>\n\n\n<ul style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.042), 0.9rem)\" class=\"wp-block-latest-posts__list wp-block-latest-posts\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/pro.indiqo.fr\/en\/lafranchise01\/\">La Franchise 01 – mai 2026<\/a><\/li>\n<\/ul><\/div>","protected":false},"excerpt":{"rendered":"<p>La Franchise \u2014 N\u00b01 \u2014 Mai 2026 N\u00b0 01 \u00b7 Mai 2026 \u00b7 Publication bi-mensuelle La Franchise La newsletter qui fait le lien entre conseil en assurance et r\u00e9alit\u00e9 du march\u00e9 Mot d’ouverture Bienvenue dans La Franchise, la newsletter d’Indiqo d\u00e9di\u00e9e aux acteurs de l’assurance. 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