Nous avons recensé pour vous les questions les plus fréquemment posées par le clients.

Si votre question ne se trouve pas dans la liste, n’hésitez pas à nous contacter.

Pourquoi assurer un bijou ?

Un bijou assuré comme tout autre objet. Il peut avoir quelque fois une valeur supérieur à  la valeur vénale de votre bijou.

En cas de vol sans preuve de propriété (facture, estimation) votre assurance peut contester son existence.

Pourquoi faire estimer un bijou ?

Avec le temps vos bijoux se valorisent en cas de vol et en possession d’une facture votre assurance vous remboursera en fonction du montant payé et non en fonction de la valeur de remplacement.

L’estimation permet de réactualiser le prix de vos bijoux et par conséquence le montant du remboursement.

J’ai une bague héritée de ma grand mère puis-je l’assurer sans papier ni facture ?

Bien entendu vous pouvez l’assurer à condition de la faire estimer. L’estimation vous permettra d’obtenir un titre de propriété et la description de l’objet. Vous pouvez la faire estimer et l’assurer auprès de nos partenaires.

Je suis couvert par mon assurance bijoux, sur quel prix, neuf ou d’occasion ?

Pour le savoir il faut vous rapprocher de votre assureur ou bien lire votre contrat d’assurance. Généralement le mode de remboursement s’effectue soit en valeur de remplacement dans ces conditions vous devez racheter un bijou correspond à la valeur de votre objet volé soit remboursé à son prix d’achat. Sachez une chose en cas de vol vous avez généralement une franchise.

Présente dans la majorité des contrats d’assurance, la franchise est la somme qui reste à la charge de l’assuré à la suite d’un sinistre et ne sera donc pas remboursée par l’assureur.

Le contrat d’assurance doit préciser, pour chaque situation, la façon dont la franchise se calcule et s’il s’agit d’une franchise relative ou absolue.

(Voir « Qu’est-ce qu’une franchise d’assurance et comment fonctionne-t-elle ? ».

Dans notre cas nous vous proposons d’assurer votre bijou soit à sa valeur d’occasion soit à la valeur du neuf. Notre assurance est exonérée de franchise.

Pendant combien du temps suis-je couvert par l’assurance bijoux DimOr ?

Les contrats d’assurance sont généralement souscrits pour une durée d’un an renouvelable par tacite reconduction. Vous pouvez les dénoncer en général un mois avant la date d’échéance (voir votre contrat d’assurance).

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