{"id":21792,"date":"2026-10-16T14:45:36","date_gmt":"2026-10-16T13:45:36","guid":{"rendered":"https:\/\/gam.dz\/les-erreurs-a-eviter-en-assurance\/"},"modified":"2026-10-16T15:05:45","modified_gmt":"2026-10-16T14:05:45","slug":"les-erreurs-a-eviter-en-assurance","status":"publish","type":"post","link":"https:\/\/gam.dz\/ar\/les-erreurs-a-eviter-en-assurance\/","title":{"rendered":"Les erreurs \u00e0 \u00e9viter en assurance"},"content":{"rendered":"<p>Souscrire une assurance adapt\u00e9e ne suffit pas : certaines erreurs dans la d\u00e9claration des risques, le suivi du contrat ou le respect de ses conditions peuvent avoir des cons\u00e9quences importantes au moment d\u2019un sinistre.<\/p>\n<p>Voici les principales erreurs \u00e0 \u00e9viter pour maintenir une protection adapt\u00e9e \u00e0 votre activit\u00e9.<\/p>\n<p>La premi\u00e8re : se sous-assurer pour payer moins. D\u00e9clarer une valeur inf\u00e9rieure \u00e0 vos biens peut sembler \u00e9conomique\u2026 mais en cas de sinistre, l\u2019indemnisation sera proportionnelle \u00e0 la valeur d\u00e9clar\u00e9e. Vous pourriez ne recevoir que la moiti\u00e9 de vos pertes !<\/p>\n<p>Deuxi\u00e8me pi\u00e8ge : ne pas d\u00e9clarer une aggravation de risque. Nouveau mat\u00e9riel, stock plus important, travaux dans les locaux\u2026 si l\u2019assureur d\u00e9couvre ces changements apr\u00e8s un sinistre, juridiquement il peut r\u00e9duire ou refuser l\u2019indemnisation.<\/p>\n<p>Troisi\u00e8me erreur : payer en retard. Un contrat impay\u00e9 peut \u00eatre suspendu ou r\u00e9sili\u00e9, et si un sinistre survient \u00e0 ce moment\u2026 vous ne serez pas couvert car les garanties prennent effet le lendemain du paiement de la prime.<\/p>\n<p>Quatri\u00e8me point : ignorer les exclusions. Vol sans effraction, manque d\u2019entretien, mat\u00e9riel mal utilis\u00e9\u2026 ce sont ces petites lignes qui d\u00e9cident ce qui n\u2019est pas couvert.<\/p>\n<p>Enfin, cinqui\u00e8me erreur : croire que tout est couvert. Chaque contrat a des plafonds et des franchises. Une indemnisation limit\u00e9e peut vous laisser une partie de vos pertes \u00e0 charge.<\/p>\n<p>En r\u00e9sum\u00e9 : d\u00e9clarez correctement vos biens, signalez tout changement, payez vos primes \u00e0 temps, lisez exclusions et plafonds, et posez vos questions avant qu\u2019un sinistre arrive.<\/p>\n<p>\ud83d\udca1 Bien comprendre son assurance, c\u2019est garantir la continuit\u00e9 de votre activit\u00e9\u2026 m\u00eame apr\u00e8s un accident.<\/p>","protected":false},"excerpt":{"rendered":"<p>Souscrire une assurance adapt\u00e9e ne suffit pas : certaines erreurs dans la d\u00e9claration des risques, le suivi du contrat ou le respect de ses conditions peuvent avoir des cons\u00e9quences importantes au moment d\u2019un sinistre. Voici les principales erreurs \u00e0 \u00e9viter pour maintenir une protection adapt\u00e9e \u00e0 votre activit\u00e9. La premi\u00e8re : se sous-assurer pour payer [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":21876,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37,89],"tags":[],"class_list":["post-21792","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-conseils","category-profesionnels-et-entreprise"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Les erreurs \u00e0 \u00e9viter en assurance - GAM Assurances<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/gam.dz\/ar\/les-erreurs-a-eviter-en-assurance\/\" \/>\n<meta property=\"og:locale\" content=\"ar_AR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les erreurs \u00e0 \u00e9viter en assurance - GAM Assurances\" \/>\n<meta property=\"og:description\" content=\"Souscrire une assurance adapt\u00e9e ne suffit pas : certaines erreurs dans la d\u00e9claration des risques, le suivi du contrat ou le respect de ses conditions peuvent avoir des cons\u00e9quences importantes au moment d\u2019un sinistre. Voici les principales erreurs \u00e0 \u00e9viter pour maintenir une protection adapt\u00e9e \u00e0 votre activit\u00e9. La premi\u00e8re : se sous-assurer pour payer [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/gam.dz\/ar\/les-erreurs-a-eviter-en-assurance\/\" \/>\n<meta property=\"og:site_name\" content=\"GAM Assurances\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/GAMassurancesofficiel\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-10-16T13:45:36+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-16T14:05:45+00:00\" \/>\n<meta name=\"author\" content=\"Abderrahmane HADJI\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@gam_assurances\" \/>\n<meta name=\"twitter:site\" content=\"@gam_assurances\" \/>\n<meta name=\"twitter:label1\" content=\"\u0643\u064f\u062a\u0628 \u0628\u0648\u0627\u0633\u0637\u0629\" \/>\n\t<meta name=\"twitter:data1\" content=\"Abderrahmane HADJI\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u0648\u0642\u062a \u0627\u0644\u0642\u0631\u0627\u0621\u0629 \u0627\u0644\u0645\u064f\u0642\u062f\u0651\u0631\" \/>\n\t<meta name=\"twitter:data2\" content=\"\u062f\u0642\u064a\u0642\u0629 \u0648\u0627\u062d\u062f\u0629\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/gam.dz\/les-erreurs-a-eviter-en-assurance\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/gam.dz\/les-erreurs-a-eviter-en-assurance\/\"},\"author\":{\"name\":\"Abderrahmane HADJI\",\"@id\":\"https:\/\/bloom-communication.dz\/GAM\/#\/schema\/person\/b2853d26e1f71276826e0bc29b39a834\"},\"headline\":\"Les erreurs \u00e0 \u00e9viter en assurance\",\"datePublished\":\"2026-10-16T13:45:36+00:00\",\"dateModified\":\"2026-10-16T14:05:45+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/gam.dz\/les-erreurs-a-eviter-en-assurance\/\"},\"wordCount\":285,\"publisher\":{\"@id\":\"https:\/\/bloom-communication.dz\/GAM\/#organization\"},\"image\":{\"@id\":\"https:\/\/gam.dz\/les-erreurs-a-eviter-en-assurance\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/gam.dz\/wp-content\/uploads\/32-erreurs-a-eviter.png\",\"articleSection\":[\"Conseils\",\"Profesionnels et entreprise\"],\"inLanguage\":\"ar\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/gam.dz\/les-erreurs-a-eviter-en-assurance\/\",\"url\":\"https:\/\/gam.dz\/les-erreurs-a-eviter-en-assurance\/\",\"name\":\"Les erreurs \u00e0 \u00e9viter en assurance - GAM Assurances\",\"isPartOf\":{\"@id\":\"https:\/\/bloom-communication.dz\/GAM\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/gam.dz\/les-erreurs-a-eviter-en-assurance\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/gam.dz\/les-erreurs-a-eviter-en-assurance\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/gam.dz\/wp-content\/uploads\/32-erreurs-a-eviter.png\",\"datePublished\":\"2026-10-16T13:45:36+00:00\",\"dateModified\":\"2026-10-16T14:05:45+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/gam.dz\/les-erreurs-a-eviter-en-assurance\/#breadcrumb\"},\"inLanguage\":\"ar\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/gam.dz\/les-erreurs-a-eviter-en-assurance\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ar\",\"@id\":\"https:\/\/gam.dz\/les-erreurs-a-eviter-en-assurance\/#primaryimage\",\"url\":\"https:\/\/gam.dz\/wp-content\/uploads\/32-erreurs-a-eviter.png\",\"contentUrl\":\"https:\/\/gam.dz\/wp-content\/uploads\/32-erreurs-a-eviter.png\",\"width\":940,\"height\":788},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/gam.dz\/les-erreurs-a-eviter-en-assurance\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/gam.dz\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Les erreurs \u00e0 \u00e9viter en assurance\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bloom-communication.dz\/GAM\/#website\",\"url\":\"https:\/\/bloom-communication.dz\/GAM\/\",\"name\":\"GAM Assurances - Votre partenaire assurances\",\"description\":\"Votre protection est notre engagement\",\"publisher\":{\"@id\":\"https:\/\/bloom-communication.dz\/GAM\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/bloom-communication.dz\/GAM\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ar\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/bloom-communication.dz\/GAM\/#organization\",\"name\":\"GAM Assurances\",\"url\":\"https:\/\/bloom-communication.dz\/GAM\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ar\",\"@id\":\"https:\/\/bloom-communication.dz\/GAM\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/gam.dz\/wp-content\/uploads\/logo.png\",\"contentUrl\":\"https:\/\/gam.dz\/wp-content\/uploads\/logo.png\",\"width\":680,\"height\":754,\"caption\":\"GAM Assurances\"},\"image\":{\"@id\":\"https:\/\/bloom-communication.dz\/GAM\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/GAMassurancesofficiel\/\",\"https:\/\/x.com\/gam_assurances\",\"https:\/\/www.instagram.com\/gamassurances\/\",\"https:\/\/www.linkedin.com\/company\/22295737\/admin\/dashboard\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/bloom-communication.dz\/GAM\/#\/schema\/person\/b2853d26e1f71276826e0bc29b39a834\",\"name\":\"Abderrahmane HADJI\",\"url\":\"https:\/\/gam.dz\/ar\/author\/abderrahmane-bloom\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Les erreurs \u00e0 \u00e9viter en assurance - GAM Assurances","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/gam.dz\/ar\/les-erreurs-a-eviter-en-assurance\/","og_locale":"ar_AR","og_type":"article","og_title":"Les erreurs \u00e0 \u00e9viter en assurance - GAM Assurances","og_description":"Souscrire une assurance adapt\u00e9e ne suffit pas : certaines erreurs dans la d\u00e9claration des risques, le suivi du contrat ou le respect de ses conditions peuvent avoir des cons\u00e9quences importantes au moment d\u2019un sinistre. Voici les principales erreurs \u00e0 \u00e9viter pour maintenir une protection adapt\u00e9e \u00e0 votre activit\u00e9. La premi\u00e8re : se sous-assurer pour payer [&hellip;]","og_url":"https:\/\/gam.dz\/ar\/les-erreurs-a-eviter-en-assurance\/","og_site_name":"GAM Assurances","article_publisher":"https:\/\/www.facebook.com\/GAMassurancesofficiel\/","article_published_time":"2026-10-16T13:45:36+00:00","article_modified_time":"2026-10-16T14:05:45+00:00","author":"Abderrahmane HADJI","twitter_card":"summary_large_image","twitter_creator":"@gam_assurances","twitter_site":"@gam_assurances","twitter_misc":{"\u0643\u064f\u062a\u0628 \u0628\u0648\u0627\u0633\u0637\u0629":"Abderrahmane HADJI","\u0648\u0642\u062a \u0627\u0644\u0642\u0631\u0627\u0621\u0629 \u0627\u0644\u0645\u064f\u0642\u062f\u0651\u0631":"\u062f\u0642\u064a\u0642\u0629 \u0648\u0627\u062d\u062f\u0629"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/gam.dz\/les-erreurs-a-eviter-en-assurance\/#article","isPartOf":{"@id":"https:\/\/gam.dz\/les-erreurs-a-eviter-en-assurance\/"},"author":{"name":"Abderrahmane HADJI","@id":"https:\/\/bloom-communication.dz\/GAM\/#\/schema\/person\/b2853d26e1f71276826e0bc29b39a834"},"headline":"Les erreurs \u00e0 \u00e9viter en assurance","datePublished":"2026-10-16T13:45:36+00:00","dateModified":"2026-10-16T14:05:45+00:00","mainEntityOfPage":{"@id":"https:\/\/gam.dz\/les-erreurs-a-eviter-en-assurance\/"},"wordCount":285,"publisher":{"@id":"https:\/\/bloom-communication.dz\/GAM\/#organization"},"image":{"@id":"https:\/\/gam.dz\/les-erreurs-a-eviter-en-assurance\/#primaryimage"},"thumbnailUrl":"https:\/\/gam.dz\/wp-content\/uploads\/32-erreurs-a-eviter.png","articleSection":["Conseils","Profesionnels et entreprise"],"inLanguage":"ar"},{"@type":"WebPage","@id":"https:\/\/gam.dz\/les-erreurs-a-eviter-en-assurance\/","url":"https:\/\/gam.dz\/les-erreurs-a-eviter-en-assurance\/","name":"Les erreurs \u00e0 \u00e9viter en assurance - GAM Assurances","isPartOf":{"@id":"https:\/\/bloom-communication.dz\/GAM\/#website"},"primaryImageOfPage":{"@id":"https:\/\/gam.dz\/les-erreurs-a-eviter-en-assurance\/#primaryimage"},"image":{"@id":"https:\/\/gam.dz\/les-erreurs-a-eviter-en-assurance\/#primaryimage"},"thumbnailUrl":"https:\/\/gam.dz\/wp-content\/uploads\/32-erreurs-a-eviter.png","datePublished":"2026-10-16T13:45:36+00:00","dateModified":"2026-10-16T14:05:45+00:00","breadcrumb":{"@id":"https:\/\/gam.dz\/les-erreurs-a-eviter-en-assurance\/#breadcrumb"},"inLanguage":"ar","potentialAction":[{"@type":"ReadAction","target":["https:\/\/gam.dz\/les-erreurs-a-eviter-en-assurance\/"]}]},{"@type":"ImageObject","inLanguage":"ar","@id":"https:\/\/gam.dz\/les-erreurs-a-eviter-en-assurance\/#primaryimage","url":"https:\/\/gam.dz\/wp-content\/uploads\/32-erreurs-a-eviter.png","contentUrl":"https:\/\/gam.dz\/wp-content\/uploads\/32-erreurs-a-eviter.png","width":940,"height":788},{"@type":"BreadcrumbList","@id":"https:\/\/gam.dz\/les-erreurs-a-eviter-en-assurance\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/gam.dz\/"},{"@type":"ListItem","position":2,"name":"Les erreurs \u00e0 \u00e9viter en assurance"}]},{"@type":"WebSite","@id":"https:\/\/bloom-communication.dz\/GAM\/#website","url":"https:\/\/bloom-communication.dz\/GAM\/","name":"GAM Assurances - Votre partenaire assurances","description":"Votre protection est notre engagement","publisher":{"@id":"https:\/\/bloom-communication.dz\/GAM\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/bloom-communication.dz\/GAM\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ar"},{"@type":"Organization","@id":"https:\/\/bloom-communication.dz\/GAM\/#organization","name":"GAM \u0644\u0644\u062a\u0623\u0645\u064a\u0646\u0627\u062a\u200c","url":"https:\/\/bloom-communication.dz\/GAM\/","logo":{"@type":"ImageObject","inLanguage":"ar","@id":"https:\/\/bloom-communication.dz\/GAM\/#\/schema\/logo\/image\/","url":"https:\/\/gam.dz\/wp-content\/uploads\/logo.png","contentUrl":"https:\/\/gam.dz\/wp-content\/uploads\/logo.png","width":680,"height":754,"caption":"GAM Assurances"},"image":{"@id":"https:\/\/bloom-communication.dz\/GAM\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/GAMassurancesofficiel\/","https:\/\/x.com\/gam_assurances","https:\/\/www.instagram.com\/gamassurances\/","https:\/\/www.linkedin.com\/company\/22295737\/admin\/dashboard\/"]},{"@type":"Person","@id":"https:\/\/bloom-communication.dz\/GAM\/#\/schema\/person\/b2853d26e1f71276826e0bc29b39a834","name":"Abderrahmane HADJI","url":"https:\/\/gam.dz\/ar\/author\/abderrahmane-bloom\/"}]}},"_links":{"self":[{"href":"https:\/\/gam.dz\/ar\/wp-json\/wp\/v2\/posts\/21792","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gam.dz\/ar\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/gam.dz\/ar\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/gam.dz\/ar\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/gam.dz\/ar\/wp-json\/wp\/v2\/comments?post=21792"}],"version-history":[{"count":1,"href":"https:\/\/gam.dz\/ar\/wp-json\/wp\/v2\/posts\/21792\/revisions"}],"predecessor-version":[{"id":21797,"href":"https:\/\/gam.dz\/ar\/wp-json\/wp\/v2\/posts\/21792\/revisions\/21797"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gam.dz\/ar\/wp-json\/wp\/v2\/media\/21876"}],"wp:attachment":[{"href":"https:\/\/gam.dz\/ar\/wp-json\/wp\/v2\/media?parent=21792"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gam.dz\/ar\/wp-json\/wp\/v2\/categories?post=21792"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gam.dz\/ar\/wp-json\/wp\/v2\/tags?post=21792"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}