{"id":21922,"date":"2025-11-05T15:06:35","date_gmt":"2025-11-05T14:06:35","guid":{"rendered":"https:\/\/www.avatacar.com\/blog\/?p=21922"},"modified":"2026-02-16T17:28:48","modified_gmt":"2026-02-16T16:28:48","slug":"assurance-auto-tous-risques-ou-au-tiers-que-choisir","status":"publish","type":"post","link":"https:\/\/www.avatacar.com\/blog\/legislation\/assurance-auto-tous-risques-ou-au-tiers-que-choisir\/","title":{"rendered":"Assurance auto tous risques ou au tiers : que choisir ?"},"content":{"rendered":"<div  class='flex_column av-zxxrzh-5cf92155731e12a2e624281d8038f725 av_one_full  avia-builder-el-0  el_before_av_one_full  avia-builder-el-first  first flex_column_div  '     ><div  class='avia-slideshow av-mhm2lvts-de84bb5e00a2f487d55e1437bf625947 avia-slideshow-featured av_slideshow avia-slide-slider  avia-builder-el-1  avia-builder-el-no-sibling  av-slideshow-ui av-control-default av-slideshow-manual av-loop-once av-loop-manual-endless av-default-height-applied avia-slideshow-1' data-slideshow-options=\"{&quot;animation&quot;:&quot;slide&quot;,&quot;autoplay&quot;:false,&quot;loop_autoplay&quot;:&quot;once&quot;,&quot;interval&quot;:5,&quot;loop_manual&quot;:&quot;manual-endless&quot;,&quot;autoplay_stopper&quot;:false,&quot;noNavigation&quot;:false,&quot;bg_slider&quot;:false,&quot;keep_padding&quot;:false,&quot;hoverpause&quot;:false,&quot;show_slide_delay&quot;:0}\"  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><ul class='avia-slideshow-inner ' style='padding-bottom: 28.666666666667%;'><li  class='avia-slideshow-slide av-mhm2lvts-de84bb5e00a2f487d55e1437bf625947__0  av-single-slide slide-1 slide-odd'><div data-rel='slideshow-1' class='avia-slide-wrap '   ><div class='av-slideshow-caption av-mhm2lvts-de84bb5e00a2f487d55e1437bf625947__0 avia-caption'><div class=\"avia-inner-caption\"><h1 class='avia-caption-title '  itemprop=\"name\" >Assurance auto tous risques ou au tiers : que choisir ?<\/h1><\/div><\/div><img decoding=\"async\" fetchpriority=\"high\" class=\"wp-image-21923 avia-img-lazy-loading-not-21923\"  src=\"https:\/\/www.avatacar.com\/blog\/app\/uploads\/2025\/11\/assurance-auto-tous-risques-ou-tiers-1500x430.png\" width=\"1500\" height=\"430\" title='assurance-auto-tous-risques-ou-tiers' alt=''  itemprop=\"thumbnailUrl\"   \/><\/div><\/li><\/ul><\/div><\/div>\n<div  class='flex_column av-y7az59-63f1f6913d4e8c59094b1625069c5cd3 av_one_full  avia-builder-el-2  el_after_av_one_full  el_before_av_one_full  first flex_column_div  column-top-margin'     ><section  class='av_textblock_section av-m7bmsr3x-47658eb830b275d63e1950ffd2ae0edd '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Choisir la bonne formule d&rsquo;assurance automobile repr\u00e9sente un enjeu majeur pour prot\u00e9ger efficacement votre v\u00e9hicule et votre budget. Alors que l&rsquo;assurance au tiers offre une couverture minimale obligatoire, la formule tous risques propose une protection compl\u00e8te mais plus co\u00fbteuse. Mais comment d\u00e9terminer quelle formule correspond le mieux \u00e0 votre situation et \u00e0 vos besoins ? Et quels sont les crit\u00e8res essentiels \u00e0 prendre en compte pour faire le bon choix entre ces diff\u00e9rentes options ? On vous guide.<\/p>\n<\/div><\/section><\/div>\n<div  class='flex_column av-8ss5yx9-af3dcc8e1c14cde0c9880db9482f092f av_one_full  avia-builder-el-4  el_after_av_one_full  el_before_av_hr  first flex_column_div  column-top-margin'     ><section  class='av_textblock_section av-m7bmtw7t-fdb1b236eb28f3ee488f8c32af43fca7 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p><a href=\"https:\/\/www.avatacar.com\/revision.htm\"><img loading=\"lazy\" decoding=\"async\" class=\"avatacar_tracking_banner alignnone wp-image-18391 \" src=\"https:\/\/www.avatacar.com\/blog\/app\/uploads\/2024\/10\/banniererevision_positionhaut-300x37.jpg\" alt=\"\" width=\"1541\" height=\"190\" srcset=\"https:\/\/www.avatacar.com\/blog\/app\/uploads\/2024\/10\/banniererevision_positionhaut-300x37.jpg 300w, https:\/\/www.avatacar.com\/blog\/app\/uploads\/2024\/10\/banniererevision_positionhaut.jpg 697w\" sizes=\"auto, (max-width: 1541px) 100vw, 1541px\" \/><\/a><\/p>\n<\/div><\/section><\/div>\n<div  class='hr av-7fbtgod-964b0bf490c116af35e1db7e3c8e68d4 hr-default  avia-builder-el-6  el_after_av_one_full  el_before_av_one_full '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<div  class='flex_column av-6r4uft9-5b0c5e58bd7a5a556ea4c9122e3b6a5f av_one_full  avia-builder-el-7  el_after_av_hr  el_before_av_hr  first flex_column_div  '     ><section  class='av_textblock_section av-m7bn0atm-9b721d353de7303bd7edf89b7d9ecd0b '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2>Les formules d&rsquo;assurance automobile<\/h2>\n<p>Avant de choisir votre contrat d&rsquo;<a href=\"https:\/\/www.macif.fr\/assurance\/particuliers\/assurance-auto-moto-scooter\/assurance-automobile\" target=\"_blank\" rel=\"noopener\">assurance automobile<\/a>, il est essentiel de conna\u00eetre les diff\u00e9rentes formules disponibles pour prot\u00e9ger efficacement votre v\u00e9hicule selon vos besoins.<\/p>\n<h3>L&rsquo;assurance au tiers, l&rsquo;indispensable responsabilit\u00e9 civile<\/h3>\n<p>L&rsquo;assurance au tiers repr\u00e9sente la couverture minimale obligatoire exig\u00e9e par la loi. Elle se limite \u00e0 la responsabilit\u00e9 civile qui indemnise les dommages mat\u00e9riels et corporels que vous pourriez causer \u00e0 autrui avec votre v\u00e9hicule. En revanche, elle ne couvre pas les d\u00e9g\u00e2ts subis par votre propre automobile en cas d&rsquo;accident responsable.<\/p>\n<h3>L&rsquo;option \u00ab tiers \u00e9tendu \u00bb pour une protection \u00e9largie<\/h3>\n<p>La formule tiers \u00e9tendu constitue un compromis entre l&rsquo;assurance minimale et la couverture compl\u00e8te. Elle conserve la base du tiers simple tout en ajoutant des garanties suppl\u00e9mentaires adapt\u00e9es \u00e0 vos besoins.<\/p>\n<p>Cela comprend :<\/p>\n<ul>\n<li>Une protection contre le vol et l&rsquo;incendie de votre v\u00e9hicule ;<\/li>\n<li>Une couverture des bris de glace (pare-brise, vitres lat\u00e9rales) ;<\/li>\n<li>Une assistance en cas de panne sans franchise kilom\u00e9trique.<\/li>\n<\/ul>\n<p>Cette formule interm\u00e9diaire offre ainsi un \u00e9quilibre judicieux entre protection \u00e9tendue et ma\u00eetrise budg\u00e9taire.<\/p>\n<h3>La formule tous risques, la couverture la plus compl\u00e8te<\/h3>\n<p>L&rsquo;assurance tous risques offre la protection la plus \u00e9tendue. En plus de la responsabilit\u00e9 civile obligatoire, elle couvre l&rsquo;ensemble des dommages subis par votre automobile, que vous soyez responsable ou non de l&rsquo;accident et m\u00eame en l&rsquo;absence de tiers identifi\u00e9. Cette formule est particuli\u00e8rement recommand\u00e9e pour les v\u00e9hicules neufs ou de grande valeur.<\/p>\n<h2>Quelles garanties offre chaque formule ?<\/h2>\n<p>Avant de comparer les tarifs, il est essentiel d&rsquo;examiner pr\u00e9cis\u00e9ment le p\u00e9rim\u00e8tre des garanties incluses dans chaque formule pour faire un choix \u00e9clair\u00e9.<\/p>\n<h3>La protection de base contre les dommages aux tiers<\/h3>\n<p>La garantie responsabilit\u00e9 civile constitue le socle obligatoire de toute assurance automobile en France depuis 1958. Cette couverture minimale prend en charge l&rsquo;indemnisation des dommages caus\u00e9s \u00e0 autrui lors d&rsquo;un accident dont vous \u00eates responsable. Elle prot\u00e8ge \u00e9galement les passagers de votre v\u00e9hicule. Cependant, cette formule ne couvre ni les dommages subis par votre propre v\u00e9hicule ni vos propres blessures en tant que conducteur responsable.<\/p>\n<h3>Les garanties vol, incendie et bris de glace<\/h3>\n<p>Ces garanties interm\u00e9diaires compl\u00e8tent la protection de base et sont g\u00e9n\u00e9ralement propos\u00e9es dans les formules \u00ab\u00a0au tiers \u00e9tendu\u00a0\u00bb. La garantie vol vous indemnise en cas de disparition de votre v\u00e9hicule. La garantie incendie couvre les d\u00e9g\u00e2ts caus\u00e9s par un feu d&rsquo;origine accidentelle. Quant au bris de glace, il prend en charge le remplacement ou la r\u00e9paration des \u00e9l\u00e9ments vitr\u00e9s endommag\u00e9s sans application de franchise si vous faites appel \u00e0 un r\u00e9parateur agr\u00e9\u00e9.<\/p>\n<h3>La prise en charge des dommages tous accidents<\/h3>\n<p>Cette garantie premium vous prot\u00e8ge contre l&rsquo;ensemble des dommages mat\u00e9riels subis par votre v\u00e9hicule, que vous soyez responsable ou non du sinistre.<\/p>\n<p>Elle intervient dans de nombreuses situations comme :<\/p>\n<ul>\n<li>Une collision avec un obstacle fixe (mur, arbre, poteau) ;<\/li>\n<li>Un accident impliquant un autre v\u00e9hicule ;<\/li>\n<li>Des d\u00e9g\u00e2ts caus\u00e9s par un acte de vandalisme.<\/li>\n<\/ul>\n<p>Cette protection \u00e9tendue vous assure une tranquillit\u00e9 d&rsquo;esprit maximale au quotidien, quel que soit le type d&rsquo;incident rencontr\u00e9.<\/p>\n<h2>Quels crit\u00e8res prendre en compte avant l\u2019achat ?<\/h2>\n<p>Avant m\u00eame de prendre le volant de votre nouveau v\u00e9hicule, plusieurs facteurs d\u00e9terminent la formule d&rsquo;assurance la plus adapt\u00e9e \u00e0 votre situation.<\/p>\n<h3>L&rsquo;\u00e2ge et la valeur du v\u00e9hicule dans la d\u00e9cision<\/h3>\n<p>La valeur du v\u00e9hicule constitue un crit\u00e8re d\u00e9terminant dans le choix de votre assurance. Pour une voiture neuve ou r\u00e9cente, une formule tous risques s&rsquo;av\u00e8re g\u00e9n\u00e9ralement plus pertinente afin de prot\u00e9ger votre investissement. En revanche, pour un v\u00e9hicule plus ancien dont la valeur marchande est faible, une assurance au tiers peut suffire, le co\u00fbt d&rsquo;une couverture \u00e9tendue devenant disproportionn\u00e9.<\/p>\n<h3>L&rsquo;usage quotidien : kilom\u00e9trage et stationnement<\/h3>\n<p>Votre utilisation quotidienne du v\u00e9hicule influence directement le niveau de risque et donc la couverture n\u00e9cessaire. Un conducteur parcourant de nombreux kilom\u00e8tres par an s&rsquo;expose davantage aux accidents et devrait privil\u00e9gier des garanties \u00e9tendues. Le lieu de stationnement habituel est \u00e9galement crucial : une voiture gar\u00e9e dans un parking s\u00e9curis\u00e9 pr\u00e9sente moins de risques de vol qu&rsquo;un v\u00e9hicule stationn\u00e9 sur la voie publique.<\/p>\n<h3>Le budget et la capacit\u00e9 \u00e0 assumer un sinistre<\/h3>\n<p>Votre situation financi\u00e8re d\u00e9termine non seulement la prime mensuelle que vous pouvez assumer, mais aussi votre capacit\u00e9 \u00e0 faire face \u00e0 un sinistre non couvert. Un budget limit\u00e9 peut vous orienter vers des franchises plus \u00e9lev\u00e9es pour r\u00e9duire la prime, mais cela implique une participation plus importante en cas d&rsquo;accident. Votre historique de conduite, refl\u00e9t\u00e9 par votre coefficient bonus-malus, influence \u00e9galement le co\u00fbt de votre assurance.<\/p>\n<h2>Quand passer de tous risques \u00e0 une formule au tiers ?<\/h2>\n<p>La couverture de votre v\u00e9hicule m\u00e9rite d&rsquo;\u00e9voluer avec le temps, tout comme sa valeur marchande qui diminue progressivement au fil des ann\u00e9es.<\/p>\n<h3>La d\u00e9cote naturelle apr\u00e8s plusieurs ann\u00e9es<\/h3>\n<p>Apr\u00e8s cinq ans d&rsquo;utilisation, la question du passage \u00e0 une assurance au tiers devient pertinente. La valeur de votre v\u00e9hicule subit une d\u00e9cote moyenne de 75% apr\u00e8s dix ans, rendant le co\u00fbt d&rsquo;une assurance tous risques souvent disproportionn\u00e9 par rapport \u00e0 l&rsquo;indemnisation potentielle. Cette \u00e9volution naturelle justifie une r\u00e9\u00e9valuation de votre protection.<\/p>\n<h3>Les situations de faible utilisation du v\u00e9hicule<\/h3>\n<p>Certains profils d&rsquo;automobilistes peuvent envisager une couverture au tiers en raison d&rsquo;une utilisation limit\u00e9e de leur voiture.<\/p>\n<p>On pense notamment \u00e0 ces profils :<\/p>\n<ul>\n<li>Le conducteur citadin parcourant peu de kilom\u00e8tres ;<\/li>\n<li>Le t\u00e9l\u00e9travailleur utilisant occasionnellement son v\u00e9hicule ;<\/li>\n<li>Le propri\u00e9taire d&rsquo;une voiture secondaire rarement utilis\u00e9e.<\/li>\n<\/ul>\n<p>Ces profils d&rsquo;utilisation r\u00e9duite justifient souvent une couverture au tiers, permettant de maintenir une protection l\u00e9gale tout en optimisant le budget assurance.<\/p>\n<h3>Les franchises et le rapport co\u00fbt\/b\u00e9n\u00e9fice<\/h3>\n<p>Lorsque le montant des franchises devient \u00e9lev\u00e9 par rapport \u00e0 la valeur du v\u00e9hicule, le b\u00e9n\u00e9fice d&rsquo;une protection tous risques s&rsquo;amenuise. Il est judicieux d&rsquo;examiner r\u00e9guli\u00e8rement le rapport entre le co\u00fbt annuel de votre assurance et l&rsquo;indemnisation r\u00e9elle en cas de sinistre, notamment pour les v\u00e9hicules \u00e2g\u00e9s o\u00f9 la couverture au tiers peut offrir une protection suffisante \u00e0 moindre co\u00fbt.<\/p>\n<h2>Profils sp\u00e9cifiques : quelle formule privil\u00e9gier ?<\/h2>\n<p>Le choix d&rsquo;une assurance auto doit s&rsquo;adapter aux besoins sp\u00e9cifiques de chaque conducteur, en fonction de son exp\u00e9rience et de sa situation personnelle.<\/p>\n<h3>Jeune conducteur en phase d&rsquo;apprentissage<\/h3>\n<p>Pour un conducteur novice, la formule tous risques est g\u00e9n\u00e9ralement recommand\u00e9e malgr\u00e9 son co\u00fbt plus \u00e9lev\u00e9. Cette protection compl\u00e8te r\u00e9pond aux besoins des conducteurs inexp\u00e9riment\u00e9s, plus susceptibles d&rsquo;\u00eatre impliqu\u00e9s dans un sinistre.<\/p>\n<p>Les points de vigilance \u00e0 v\u00e9rifier :<\/p>\n<ul>\n<li>Le montant de la franchise, souvent major\u00e9e pour les jeunes conducteurs ;<\/li>\n<li>La pr\u00e9sence d&rsquo;une responsabilit\u00e9 civile renforc\u00e9e ;<\/li>\n<li>Les conditions de la surprime jeune conducteur.<\/li>\n<\/ul>\n<p>Cette approche permet d&rsquo;optimiser significativement le budget assurance tout en conservant une protection adapt\u00e9e aux risques.<\/p>\n<h3>Conducteur occasionnel ou \u00ab petit rouleur \u00bb<\/h3>\n<p>Les formules kilom\u00e9triques s&rsquo;av\u00e8rent particuli\u00e8rement adapt\u00e9es aux conducteurs parcourant moins de 8 000 km par an. Elles offrent une tarification ajust\u00e9e \u00e0 l&rsquo;usage r\u00e9el du v\u00e9hicule tout en maintenant les garanties essentielles.<\/p>\n<h3>V\u00e9hicule financ\u00e9 par un cr\u00e9dit en cours<\/h3>\n<p>Lorsqu&rsquo;un v\u00e9hicule est encore sous cr\u00e9dit, la formule tous risques est fortement conseill\u00e9e, voire obligatoire selon les \u00e9tablissements bancaires. Cette couverture maximale prot\u00e8ge l&rsquo;investissement du conducteur et de l&rsquo;organisme pr\u00eateur.<\/p>\n<p>&#8212;<\/p>\n<p>Le choix de votre assurance automobile ne doit jamais \u00eatre d\u00e9finitif et m\u00e9rite d&rsquo;\u00eatre r\u00e9\u00e9valu\u00e9 r\u00e9guli\u00e8rement selon l&rsquo;\u00e9volution de votre situation. N&rsquo;h\u00e9sitez pas \u00e0 comparer les offres et \u00e0 solliciter les conseils d&rsquo;un professionnel pour affiner votre choix selon vos besoins r\u00e9els.<\/p>\n<\/div><\/section><\/div>\n<div  class='hr av-2gku30t-ccd682a8218b1483a71cebfff4dbf0e9 hr-default  avia-builder-el-9  el_after_av_one_full  el_before_av_section  avia-builder-el-last '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-m7bngkws-ff6b203ccd8d6493d764bf8c1f1fcca1\">\n.avia-section.av-m7bngkws-ff6b203ccd8d6493d764bf8c1f1fcca1{\nbackground-color:#f2f2f2;\nbackground-image:unset;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-m7bngkws-ff6b203ccd8d6493d764bf8c1f1fcca1 main_color avia-section-default avia-no-border-styling  avia-builder-el-10  el_after_av_hr  el_before_av_section  avia-bg-style-scroll container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-21922'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-2yj8ei5-4c51032792b4fbdf79cb2d2dc80a4f5d av_one_full  avia-builder-el-11  avia-builder-el-no-sibling  first flex_column_div  '     ><p><section  class='av_textblock_section av-m7bnfnlj-95fc20ea4edf173aa3b86915a97684a6 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p><span style=\"font-size: 24px;\">Vous aimerez peut-\u00eatre &#8230;<\/span><\/p>\n<\/div><\/section><br \/>\n<div  data-slideshow-options=\"{&quot;animation&quot;:&quot;fade&quot;,&quot;autoplay&quot;:false,&quot;loop_autoplay&quot;:&quot;once&quot;,&quot;interval&quot;:&quot;5&quot;,&quot;loop_manual&quot;:&quot;manual-endless&quot;,&quot;autoplay_stopper&quot;:false,&quot;noNavigation&quot;:false,&quot;show_slide_delay&quot;:90}\" class='avia-content-slider avia-content-slider-active avia-content-slider1 avia-content-slider-odd  avia-builder-el-13  el_after_av_textblock  avia-builder-el-last  av-slideshow-ui av-control-default   av-no-slider-navigation av-slideshow-manual av-loop-once av-loop-manual-endless '  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Blog\" ><div class=\"avia-content-slider-inner\"><div class=\"slide-entry-wrap\"><article class='slide-entry flex_column  post-entry post-entry-22817 slide-entry-overview slide-loop-1 slide-parity-odd  av_one_third first real-thumbnail posttype-post post-format-standard'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><a href='https:\/\/www.avatacar.com\/blog\/legislation\/rouler-sans-assurance-quels-risques-et-quelles-sanctions-concretes\/' data-rel='slide-1' class='slide-image' title='Rouler sans assurance : quels risques et quelles sanctions concr\u00e8tes ?'><img decoding=\"async\" fetchpriority=\"high\" width=\"495\" height=\"400\" src=\"https:\/\/www.avatacar.com\/blog\/app\/uploads\/2026\/03\/controle_police_assurance-495x400.jpg\" class=\"wp-image-22818 avia-img-lazy-loading-not-22818 attachment-portfolio size-portfolio wp-post-image\" alt=\"\" srcset=\"https:\/\/www.avatacar.com\/blog\/app\/uploads\/2026\/03\/controle_police_assurance-495x400.jpg 495w, https:\/\/www.avatacar.com\/blog\/app\/uploads\/2026\/03\/controle_police_assurance-845x684.jpg 845w\" sizes=\"(max-width: 495px) 100vw, 495px\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\" aria-label=\"Slide: Rouler sans assurance : quels risques et quelles sanctions concr\u00e8tes ?\"><span class=\"blog-categories minor-meta\"><a href=\"https:\/\/www.avatacar.com\/blog\/category\/legislation\/\" rel=\"tag\">L\u00e9gislation<\/a> <\/span><h3 class='slide-entry-title entry-title '  itemprop=\"headline\" ><a href='https:\/\/www.avatacar.com\/blog\/legislation\/rouler-sans-assurance-quels-risques-et-quelles-sanctions-concretes\/' title='Rouler sans assurance : quels risques et quelles sanctions concr\u00e8tes ?'>Rouler sans assurance : quels risques et quelles sanctions concr\u00e8tes ?<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><\/div><footer class=\"entry-footer\"><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.avatacar.com\/blog\/app\/uploads\/2026\/03\/controle_police_assurance.jpg<\/span>\n\t\t\t\t\t\t<span itemprop='height'>767<\/span>\n\t\t\t\t\t\t<span itemprop='width'>1318<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span itemprop='name'>Morgane<\/span>\n\t\t\t\t\t\t<span itemprop='logo' itemscope itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.avatacar.com\/blog\/app\/uploads\/2024\/07\/LogoBlog-300x138.jpg<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span><span class='av-structured-data'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><span itemprop='name'>Morgane<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2025-11-05T15:06:35+01:00\" >2026-03-20 09:30:35<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-03-20 09:31:49<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>Rouler sans assurance : quels risques et quelles sanctions concr\u00e8tes ?<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-22216 slide-entry-overview slide-loop-2 slide-parity-even  av_one_third  real-thumbnail posttype-post post-format-standard'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><a href='https:\/\/www.avatacar.com\/blog\/legislation\/assurance-auto-pas-chere-mythe-ou-vraie-opportunite\/' data-rel='slide-1' class='slide-image' title='Assurance auto pas ch\u00e8re : mythe ou vraie opportunit\u00e9 ?'><img decoding=\"async\" fetchpriority=\"high\" width=\"495\" height=\"400\" src=\"https:\/\/www.avatacar.com\/blog\/app\/uploads\/2026\/02\/avat-blog-pic-495x400.png\" class=\"wp-image-22217 avia-img-lazy-loading-not-22217 attachment-portfolio size-portfolio wp-post-image\" alt=\"\" srcset=\"https:\/\/www.avatacar.com\/blog\/app\/uploads\/2026\/02\/avat-blog-pic-495x400.png 495w, https:\/\/www.avatacar.com\/blog\/app\/uploads\/2026\/02\/avat-blog-pic-845x684.png 845w\" sizes=\"(max-width: 495px) 100vw, 495px\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\" aria-label=\"Slide: Assurance auto pas ch\u00e8re : mythe ou vraie opportunit\u00e9 ?\"><span class=\"blog-categories minor-meta\"><a href=\"https:\/\/www.avatacar.com\/blog\/category\/legislation\/\" rel=\"tag\">L\u00e9gislation<\/a> <\/span><h3 class='slide-entry-title entry-title '  itemprop=\"headline\" ><a href='https:\/\/www.avatacar.com\/blog\/legislation\/assurance-auto-pas-chere-mythe-ou-vraie-opportunite\/' title='Assurance auto pas ch\u00e8re : mythe ou vraie opportunit\u00e9 ?'>Assurance auto pas ch\u00e8re : mythe ou vraie opportunit\u00e9 ?<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><\/div><footer class=\"entry-footer\"><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.avatacar.com\/blog\/app\/uploads\/2026\/02\/avat-blog-pic-scaled.png<\/span>\n\t\t\t\t\t\t<span itemprop='height'>1396<\/span>\n\t\t\t\t\t\t<span itemprop='width'>2560<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span itemprop='name'>Joe Croft<\/span>\n\t\t\t\t\t\t<span itemprop='logo' itemscope itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.avatacar.com\/blog\/app\/uploads\/2024\/07\/LogoBlog-300x138.jpg<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span><span class='av-structured-data'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><span itemprop='name'>Joe Croft<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2025-11-05T15:06:35+01:00\" >2026-02-24 17:49:14<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-03-20 09:32:25<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>Assurance auto pas ch\u00e8re : mythe ou vraie opportunit\u00e9 ?<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-21922 slide-entry-overview slide-loop-3 slide-parity-odd  post-entry-last  av_one_third  real-thumbnail posttype-post post-format-standard'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><a href='https:\/\/www.avatacar.com\/blog\/legislation\/assurance-auto-tous-risques-ou-au-tiers-que-choisir\/' data-rel='slide-1' class='slide-image' title='Assurance auto tous risques ou au tiers : que choisir ?'><img decoding=\"async\" fetchpriority=\"high\" width=\"495\" height=\"400\" src=\"https:\/\/www.avatacar.com\/blog\/app\/uploads\/2025\/11\/assurance-auto-tous-risques-ou-tiers-495x400.png\" class=\"wp-image-21923 avia-img-lazy-loading-not-21923 attachment-portfolio size-portfolio wp-post-image\" alt=\"\" srcset=\"https:\/\/www.avatacar.com\/blog\/app\/uploads\/2025\/11\/assurance-auto-tous-risques-ou-tiers-495x400.png 495w, https:\/\/www.avatacar.com\/blog\/app\/uploads\/2025\/11\/assurance-auto-tous-risques-ou-tiers-845x684.png 845w\" sizes=\"(max-width: 495px) 100vw, 495px\" \/><\/a><div class=\"slide-content\"><header class=\"entry-content-header\" aria-label=\"Slide: Assurance auto tous risques ou au tiers : que choisir ?\"><span class=\"blog-categories minor-meta\"><a href=\"https:\/\/www.avatacar.com\/blog\/category\/legislation\/\" rel=\"tag\">L\u00e9gislation<\/a> <\/span><h3 class='slide-entry-title entry-title '  itemprop=\"headline\" ><a href='https:\/\/www.avatacar.com\/blog\/legislation\/assurance-auto-tous-risques-ou-au-tiers-que-choisir\/' title='Assurance auto tous risques ou au tiers : que choisir ?'>Assurance auto tous risques ou au tiers : que choisir ?<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><\/div><footer class=\"entry-footer\"><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.avatacar.com\/blog\/app\/uploads\/2025\/11\/assurance-auto-tous-risques-ou-tiers.png<\/span>\n\t\t\t\t\t\t<span itemprop='height'>1024<\/span>\n\t\t\t\t\t\t<span itemprop='width'>1536<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span itemprop='name'>Chlo\u00e9 d'Avatacar<\/span>\n\t\t\t\t\t\t<span itemprop='logo' itemscope itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span itemprop='url'>https:\/\/www.avatacar.com\/blog\/app\/uploads\/2024\/07\/LogoBlog-300x138.jpg<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span><span class='av-structured-data'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><span itemprop='name'>Chlo\u00e9 d'Avatacar<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2025-11-05T15:06:35+01:00\" >2025-11-05 15:06:35<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-02-16 17:28:48<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>Assurance auto tous risques ou au tiers : que choisir ?<\/span><\/span><\/span><\/article><\/div><\/div><\/div><\/p><\/div><\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_2'  class='avia-section av-25f4x65-24a0d4dce1d5653a8591dc1912a0b2e1 main_color avia-section-default avia-no-border-styling  avia-builder-el-14  el_after_av_section  avia-builder-el-last  avia-bg-style-scroll container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-21922'><div class='entry-content-wrapper clearfix'>\n<section  class='av_textblock_section av-m7bngsvo-d82efe5b36a0129f9eac4df487f367ba '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p><span style=\"font-size: 24px;\">\u00c0 propos de l&rsquo;auteur<\/span><\/p>\n<\/div><\/section>\n<div  class='flex_column av-64ry31-4f6ee79bacd7873d4059c6485e7e91d0 av_one_fifth  avia-builder-el-16  el_after_av_textblock  el_before_av_four_fifth  first flex_column_div  column-top-margin'     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-m7bnh6tw-ce7fc36250c5e218f3a3bb95b2fb9a8e\">\n.avia-image-container.av-m7bnh6tw-ce7fc36250c5e218f3a3bb95b2fb9a8e img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-m7bnh6tw-ce7fc36250c5e218f3a3bb95b2fb9a8e .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-m7bnh6tw-ce7fc36250c5e218f3a3bb95b2fb9a8e av-styling- avia-align-center  avia-builder-el-17  avia-builder-el-no-sibling '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-14260 avia-img-lazy-loading-not-14260 avia_image ' src=\"https:\/\/www.avatacar.com\/blog\/app\/uploads\/2022\/11\/ChloeAvatacar-300x300.jpg\" alt='Chlo\u00e9 d&#039;Avatacar' title='ChloeAvatacar'  height=\"300\" width=\"300\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.avatacar.com\/blog\/app\/uploads\/2022\/11\/ChloeAvatacar-300x300.jpg 300w, https:\/\/www.avatacar.com\/blog\/app\/uploads\/2022\/11\/ChloeAvatacar-80x80.jpg 80w, https:\/\/www.avatacar.com\/blog\/app\/uploads\/2022\/11\/ChloeAvatacar-36x36.jpg 36w, https:\/\/www.avatacar.com\/blog\/app\/uploads\/2022\/11\/ChloeAvatacar-180x180.jpg 180w, https:\/\/www.avatacar.com\/blog\/app\/uploads\/2022\/11\/ChloeAvatacar.jpg 601w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div><\/div><\/div><\/div><div  class='flex_column av-13asrsd-c033dbec08c18a936f5ded40aa74342b av_four_fifth  avia-builder-el-18  el_after_av_one_fifth  avia-builder-el-last  flex_column_div  column-top-margin'     ><section  class='av_textblock_section av-m7bnhura-af29777639dc4f4a7837c275f82d8b35 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p><strong>Chlo\u00e9 d&rsquo;Avatacar<\/strong><br \/>\nPassionn\u00e9e par le monde automobile, Chlo\u00e9 partage avec vous les principales actus auto, toutes les nouvelles informations qui peuvent toucher de pr\u00e8s ou de loin les conducteurs et des articles d\u00e9di\u00e9s \u00e0 l&rsquo;entretien de votre voiture pour apprendre de mani\u00e8re simple son fonctionnement ! Bonne lecture<\/p>\n<\/div><\/section><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>L&rsquo;\u00cele-de-France s&rsquo;impose comme la r\u00e9gion fran\u00e7aise la plus dynamique en mati\u00e8re de mobilit\u00e9 \u00e9lectrique. <\/p>\n","protected":false},"author":3,"featured_media":21923,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1098],"tags":[],"class_list":["post-21922","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legislation"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assurance auto tous risques ou au tiers : que choisir ?<\/title>\n<meta name=\"description\" content=\"Choisir la bonne formule d&#039;assurance automobile repr\u00e9sente un enjeu majeur pour prot\u00e9ger efficacement votre v\u00e9hicule et votre budget.\" \/>\n<meta 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