{"id":25537,"date":"2025-09-02T10:27:46","date_gmt":"2025-09-02T10:27:46","guid":{"rendered":"https:\/\/www.asquarepartners.com\/?p=25537"},"modified":"2025-09-03T07:00:33","modified_gmt":"2025-09-03T07:00:33","slug":"lactualite-de-lassurance-aout%ef%bd%9cfrance","status":"publish","type":"post","link":"https:\/\/www.asquarepartners.com\/en\/lactualite-de-lassurance-aout%ef%bd%9cfrance\/","title":{"rendered":"L&#8217;actualit\u00e9 de l&#8217;assurance &#8211; \u00c9t\u00e9 2025\uff5cFrance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"25537\" class=\"elementor elementor-25537\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-caeff9d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"caeff9d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a29bfb2\" data-id=\"a29bfb2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-db03839 elementor-widget elementor-widget-text-editor\" data-id=\"db03839\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Explorez notre r\u00e9sum\u00e9 des grands titres de l\u2019actualit\u00e9 assurantielle en un scroll !<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9f7f02a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9f7f02a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c326c83\" data-id=\"c326c83\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f3bea15 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f3bea15\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-07d80c6\" data-id=\"07d80c6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9da2eed elementor-widget elementor-widget-heading\" data-id=\"9da2eed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tarifs am\u00e9ricains et incertitudes politiques : un frein mondial pour la croissance et l\u2019assurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15475f1 elementor-widget elementor-widget-text-editor\" data-id=\"15475f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>09\/07\/2025 &#8211; <a href=\"https:\/\/www.swissre.com\/media\/press-release\/pr-20250709-us-tarrifs-slow-global-economic-insurance-premium-growth.html\" target=\"_blank\" rel=\"noopener\">Source <\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5bb6f9a elementor-widget elementor-widget-text-editor\" data-id=\"5bb6f9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Selon le <a href=\"https:\/\/www.swissre.com\/media\/press-release\/pr-20250709-us-tarrifs-slow-global-economic-insurance-premium-growth.html\" target=\"_blank\" rel=\"noopener\">Swiss Re Institute<\/a>, les tarifs am\u00e9ricains ralentiront la croissance \u00e9conomique mondiale, qui devrait passer de 2,8\u202f% en 2024 \u00e0 2,3\u202f% en 2025, affectant directement la demande d\u2019assurance. L\u2019industrie de l\u2019assurance voit ses primes ralentir, avec une croissance totale estim\u00e9e \u00e0 seulement 2\u202f% cette ann\u00e9e, contre 5,2\u202f% en 2024, tandis que les assurances auto aux \u00c9tats-Unis seront les plus impact\u00e9es par la hausse des co\u00fbts d\u2019importation. Malgr\u00e9 ce contexte, la rentabilit\u00e9 reste soutenue gr\u00e2ce aux revenus d\u2019investissement. En parall\u00e8le, l\u2019incertitude politique fran\u00e7aise p\u00e8se sur les banques et assureurs, provoquant une volatilit\u00e9 boursi\u00e8re malgr\u00e9 des fondamentaux solides et une diversification internationale qui limite les risques. L\u2019ensemble illustre comment tarifs commerciaux et instabilit\u00e9 politique peuvent freiner la r\u00e9silience \u00e9conomique et financi\u00e8re \u00e0 l\u2019\u00e9chelle mondiale.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b32f57f\" data-id=\"b32f57f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-36caa5b elementor-widget elementor-widget-image\" data-id=\"36caa5b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"600\" height=\"450\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/us-tariffs.png\" class=\"attachment-large size-large wp-image-25562\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/us-tariffs.png 600w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/us-tariffs-300x225.png 300w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/us-tariffs-16x12.png 16w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a48a3b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5a48a3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d9da742 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d9da742\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e0781b3\" data-id=\"e0781b3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-29c16c2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"29c16c2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-479dc91\" data-id=\"479dc91\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1ba1eee elementor-widget elementor-widget-heading\" data-id=\"1ba1eee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Axa triomphe contre Santander dans l\u2019un des plus gros proc\u00e8s financiers britanniques<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b36b29d elementor-widget elementor-widget-text-editor\" data-id=\"b36b29d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>25\/07\/2025 &#8211; <a href=\"https:\/\/www.reuters.com\/sustainability\/axa-wins-908-million-uk-court-ruling-against-santander-over-protection-insurance-2025-07-25\/?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f2f75a elementor-widget elementor-widget-text-editor\" data-id=\"7f2f75a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Apr\u00e8s des ann\u00e9es de proc\u00e9dures, Axa obtient gain de cause devant la Haute Cour de Londres dans un litige majeur li\u00e9 aux polices d\u2019assurance emprunteur abusives vendues au Royaume-Uni entre les ann\u00e9es 1990 et 2005. Le groupe fran\u00e7ais, qui avait acquis des filiales de Genworth en 2015 et indemnis\u00e9 pr\u00e8s de 650\u202f000 clients, r\u00e9cup\u00e8re d\u00e9sormais 680 millions de livres (772 millions d\u2019euros) \u00e0 la suite du jugement du 25 juillet 2025. Bien que cette d\u00e9cision marque une victoire importante pour Axa, Santander, le groupe bancaire espagnol impliqu\u00e9, envisage de faire appel, laissant planer encore un doute sur la conclusion d\u00e9finitive de l\u2019affaire.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-57f1013\" data-id=\"57f1013\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d345e5f elementor-widget elementor-widget-image\" data-id=\"d345e5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"600\" height=\"450\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/AXA-office.png\" class=\"attachment-large size-large wp-image-25530\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/AXA-office.png 600w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/AXA-office-300x225.png 300w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/AXA-office-16x12.png 16w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-6003cfc elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6003cfc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-df365d3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"df365d3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-36f681e\" data-id=\"36f681e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e336a81 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e336a81\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-9b9c1c9\" data-id=\"9b9c1c9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5dacaa4 elementor-widget elementor-widget-heading\" data-id=\"5dacaa4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Feux de for\u00eats et tensions sur la r\u00e9assurance\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3832cbf elementor-widget elementor-widget-text-editor\" data-id=\"3832cbf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>26\/08\/2025 &#8211; <a href=\"https:\/\/www.argusdelassurance.com\/reassureurs\/la-france-nouvel-epicentre-europeen-des-feux-de-forets.236473\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cec3eb5 elementor-widget elementor-widget-text-editor\" data-id=\"cec3eb5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">L\u2019\u00e9t\u00e9 2025 confirme la France comme un \u00e9picentre europ\u00e9en des incendies de for\u00eat, avec plus de 36\u202f000 hectares br\u00fbl\u00e9s au 5 ao\u00fbt. La fr\u00e9quence et la gravit\u00e9 croissantes de ces feux provoquent un resserrement du cycle de r\u00e9assurance en Europe du Sud : franchises plus \u00e9lev\u00e9es, couvertures limit\u00e9es et plafonds aggregate plus stricts dans les zones m\u00e9diterran\u00e9ennes. Pour les assureurs dommages, ces conditions se traduisent par une pression accrue sur les ratios combin\u00e9s, transformant la simple volatilit\u00e9 des sinistres interm\u00e9diaires en pertes techniques nettes, tandis que les acteurs fran\u00e7ais, plus diversifi\u00e9s, subissent un impact moins extr\u00eame mais n\u00e9anmoins pr\u00e9occupant.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8510b8e\" data-id=\"8510b8e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5a63e42 elementor-widget elementor-widget-image\" data-id=\"5a63e42\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"600\" height=\"450\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/incendie-forest.png\" class=\"attachment-large size-large wp-image-25565\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/incendie-forest.png 600w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/incendie-forest-300x225.png 300w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/incendie-forest-16x12.png 16w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-f2a2a45 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"f2a2a45\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-90bbe6c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"90bbe6c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-10e870d\" data-id=\"10e870d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d909f28 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d909f28\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3b0f758\" data-id=\"3b0f758\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-99c632f elementor-widget elementor-widget-heading\" data-id=\"99c632f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mod\u00e9lisation des risques \u00e9mergents : donn\u00e9es rares, solutions innovantes\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-265ff10 elementor-widget elementor-widget-text-editor\" data-id=\"265ff10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>17\/07\/2025 &#8211; <a href=\"https:\/\/www.argusdelassurance.com\/green-assurance\/risques-climatiques\/la-modelisation-des-risques-emergents-en-quete-de-donnees-fiables.236267\" target=\"_blank\" rel=\"noopener\">Source 1<\/a> &#8211; <a href=\"https:\/\/www.argusdelassurance.com\/gestion-des-risques\/grands-risques\/risque-cyber-comment-alimenter-les-modeles.236268\" target=\"_blank\" rel=\"noopener\">Source 2<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d284f4d elementor-widget elementor-widget-text-editor\" data-id=\"d284f4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">La mod\u00e9lisation des risques \u00e9mergents bouleverse les pratiques traditionnelles de l\u2019assurance, longtemps bas\u00e9es sur l\u2019analyse des donn\u00e9es historiques. Face \u00e0 des menaces en forte \u00e9volution comme les <strong>pand\u00e9mies, le changement climatique et le cyber<\/strong>, les actuaires doivent diversifier leurs sources (open data, sc\u00e9narios prospectifs, donn\u00e9es synth\u00e9tiques) et mobiliser des m\u00e9thodes innovantes, dont l\u2019IA g\u00e9n\u00e9rative, tout en restant vigilants sur la<strong> fiabilit\u00e9 des donn\u00e9es<\/strong>. Le <strong>risque cyber<\/strong> illustre bien cette difficult\u00e9 : les informations disponibles sont souvent partielles, biais\u00e9es ou non communiqu\u00e9es par les entreprises victimes, ce qui limite la construction de mod\u00e8les robustes. Des initiatives comme l\u2019\u00e9tude Lucy ou l\u2019obligation de d\u00e9p\u00f4t de plainte en cas d\u2019attaque renforcent peu \u00e0 peu la base de donn\u00e9es, mais celle-ci demeure insuffisante. La mod\u00e9lisation doit donc int\u00e9grer des approches dynamiques, tenant compte de l\u2019\u00e9volution rapide des menaces, des ph\u00e9nom\u00e8nes de contagion et des sc\u00e9narios extr\u00eames, parfois avec l\u2019appui de l\u2019IA. Dans tous les cas, une coop\u00e9ration renforc\u00e9e entre assureurs, chercheurs et experts sectoriels appara\u00eet indispensable pour fiabiliser la donn\u00e9e et anticiper au mieux ces risques en constante mutation. <a href=\"https:\/\/www.argusdelassurance.com\/green-assurance\/risques-climatiques\/la-modelisation-des-risques-emergents-en-quete-de-donnees-fiables.236267\" target=\"_blank\" rel=\"noopener\">Lire l\u2019article complet de l\u2019Argus de l\u2019assurance ici.<\/a><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ad53914\" data-id=\"ad53914\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-746f36a elementor-widget elementor-widget-image\" data-id=\"746f36a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"450\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/modelisation.png\" class=\"attachment-large size-large wp-image-25561\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/modelisation.png 600w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/modelisation-300x225.png 300w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/modelisation-16x12.png 16w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-5956eea elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5956eea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-95a703e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"95a703e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d05ce20\" data-id=\"d05ce20\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-02414c8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"02414c8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ca57263\" data-id=\"ca57263\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2d7625c elementor-widget elementor-widget-heading\" data-id=\"2d7625c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Solvabilit\u00e9 en recul : les assureurs vie sous pression en 2024 \n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c7a1a64 elementor-widget elementor-widget-text-editor\" data-id=\"c7a1a64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Juin 2025 &#8211; <a href=\"https:\/\/www.forvismazars.com\/fr\/fr\/insights\/publications-et-evenements\/etudes\/rapports-sfcr-2024-sur-le-marche-francais\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a700b0 elementor-widget elementor-widget-text-editor\" data-id=\"6a700b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Selon<a href=\"https:\/\/www.forvismazars.com\/fr\/fr\/insights\/publications-et-evenements\/etudes\/rapports-sfcr-2024-sur-le-marche-francais\" target=\"_blank\" rel=\"noopener\"> l\u2019\u00e9tude de Forvis Mazars<\/a> sur les rapports SFCR 2024, le ratio moyen de solvabilit\u00e9 (SCR) des assureurs fran\u00e7ais a diminu\u00e9, passant \u00e0 214\u202f% contre 224\u202f% en 2023. La baisse est particuli\u00e8rement marqu\u00e9e chez les assureurs vie, dont le SCR moyen chute de 15 points \u00e0 217\u202f%, en raison d\u2019une diminution des fonds propres et d\u2019une hausse du capital requis. Malgr\u00e9 cette tension sur la solvabilit\u00e9, le march\u00e9 affiche une forte croissance du chiffre d\u2019affaires : +22,1\u202f% en moyenne, port\u00e9e par l\u2019assurance vie (+21,9\u202f%) et l\u2019assurance non-vie (+22\u202f%), avec une collecte nette positive de 21,8\u202fmilliards d&#8217;euros en vie et 15,6\u202fmilliards d&#8217;euros en non-vie. Les sinistres climatiques et l\u2019inflation continuent d\u2019impacter les assureurs non-vie, mais l\u2019effet tend \u00e0 s\u2019att\u00e9nuer.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-79353da\" data-id=\"79353da\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2cd8267 elementor-widget elementor-widget-image\" data-id=\"2cd8267\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"450\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/Forvis-mazars.png\" class=\"attachment-large size-large wp-image-25564\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/Forvis-mazars.png 600w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/Forvis-mazars-300x225.png 300w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/Forvis-mazars-16x12.png 16w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f64e49e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f64e49e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-db92a0b\" data-id=\"db92a0b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f5158b elementor-widget elementor-widget-spacer\" data-id=\"1f5158b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6c4e603 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6c4e603\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cc4cb59\" data-id=\"cc4cb59\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-54ab3d3 elementor-widget elementor-widget-heading\" data-id=\"54ab3d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fusions &amp; Acquisitions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cdc3fc0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cdc3fc0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4af3683\" data-id=\"4af3683\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c3150e8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c3150e8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c6d45c9\" data-id=\"c6d45c9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a7d8cd4 elementor-widget elementor-widget-heading\" data-id=\"a7d8cd4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Abeille Assurances relance sa compl\u00e9mentaire sant\u00e9 individuelle \n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-012986c elementor-widget elementor-widget-text-editor\" data-id=\"012986c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>26\/06\/2025 &#8211; <a href=\"https:\/\/www.abeille-assurances.fr\/notre-entreprise\/nous-connaitre\/actualites.html?cmpid=RES__LinkedIn__Sante_AAS__202506#lancement-sante-AAS\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-381a6d3 elementor-widget elementor-widget-text-editor\" data-id=\"381a6d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Abeille Assurances, membre du groupe A\u00e9ma, affirme ses ambitions sur le march\u00e9 de la sant\u00e9 individuelle avec le lancement d\u2019un nouveau contrat visant \u00e0 dynamiser son portefeuille de 200\u202fmillions d&#8217; euros. Cette offre personnalisable propose sept formules et deux options (Confort et Confort+), soit 19 combinaisons possibles, incluant des t\u00e9l\u00e9consultations, le r\u00e9seau Carte Blanche et des services d\u2019assistance. Pour attirer de nouveaux assur\u00e9s, la compagnie lance l\u2019op\u00e9ration commerciale \u00ab\u202f1+1+1\u202f\u00bb : trois mois de cotisation gratuits r\u00e9partis sur trois ans pour toute souscription entre juillet 2025 et janvier 2026.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2986722\" data-id=\"2986722\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8022df2 elementor-widget elementor-widget-image\" data-id=\"8022df2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"450\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/health-insurance.png\" class=\"attachment-large size-large wp-image-25690\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/health-insurance.png 600w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/health-insurance-300x225.png 300w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/health-insurance-16x12.png 16w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-77a893b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"77a893b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bdae341 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bdae341\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8f1bafe\" data-id=\"8f1bafe\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-20bd0c2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"20bd0c2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c025aed\" data-id=\"c025aed\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-927e12e elementor-widget elementor-widget-heading\" data-id=\"927e12e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Allianz Direct int\u00e8gre Friday et renforce son assurance habitation\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c335012 elementor-widget elementor-widget-text-editor\" data-id=\"c335012\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>01\/07\/2025 &#8211; <a href=\"https:\/\/www.argusdelassurance.com\/tech\/allianz-direct-finalise-l-integration-de-l-assurtech-friday-specialiste-de-l-assurance-habitation.236073\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9bb25b9 elementor-widget elementor-widget-text-editor\" data-id=\"9bb25b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Allianz Direct finalise l\u2019int\u00e9gration de l\u2019assurtech Friday, sp\u00e9cialis\u00e9e en assurance habitation, transf\u00e9rant officiellement son portefeuille fran\u00e7ais au 30 juin 2025. Pr\u00e9sente en France depuis 2021, Friday avait g\u00e9n\u00e9r\u00e9 4,26\u202fmillions d&#8217;euros de chiffre d\u2019affaires en 2024 dans l\u2019Hexagone, en forte progression par rapport aux ann\u00e9es pr\u00e9c\u00e9dentes. Cette op\u00e9ration s\u2019inscrit dans une s\u00e9rie de croissances externes pour Allianz Direct, apr\u00e8s Luko d\u00e9but 2024 et avec le projet d\u2019acquisition d\u2019Eurofil aupr\u00e8s d\u2019Abeille Assurances, consolidant ainsi sa position sur le march\u00e9 de l\u2019habitation en ligne.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ac9e7de\" data-id=\"ac9e7de\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e81aa9b elementor-widget elementor-widget-image\" data-id=\"e81aa9b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"450\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/logement.png\" class=\"attachment-large size-large wp-image-25691\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/logement.png 600w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/logement-300x225.png 300w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/logement-16x12.png 16w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-babc02c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"babc02c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1e1efcd\" data-id=\"1e1efcd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e5045e8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e5045e8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6a2d212\" data-id=\"6a2d212\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6c045bc elementor-widget elementor-widget-heading\" data-id=\"6c045bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">La Commission europ\u00e9enne approuve la fusion Helvetia-Baloise\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af39555 elementor-widget elementor-widget-text-editor\" data-id=\"af39555\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>06\/08\/2025 &#8211; <a href=\"https:\/\/www.lecho.be\/entreprises\/services-financiers-assurances\/baloise-et-helvetia-autorisees-a-fusionner-pour-creer-un-geant-europeen-de-l-assurance\/10618913.html\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e96029 elementor-widget elementor-widget-text-editor\" data-id=\"8e96029\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">La Commission europ\u00e9enne a approuv\u00e9 la fusion entre Helvetia et Baloise, cr\u00e9ant la nouvelle entit\u00e9 Helvetia Baloise, qui g\u00e9rera plus de 20 milliards de CHF de primes par an et d\u00e9tiendra une part de 20 % du march\u00e9 suisse. La Belgique, deuxi\u00e8me march\u00e9 de Baloise, repr\u00e9sentera environ 10 % de l\u2019activit\u00e9 de la nouvelle entit\u00e9.<\/span><\/p><p><span style=\"font-weight: 400;\">Bas\u00e9 \u00e0 B\u00e2le, le groupe emploiera plus de 22 000 personnes dans huit pays europ\u00e9ens. Des synergies annuelles de 350 millions de CHF sont attendues, avec des suppressions d\u2019emplois principalement en Suisse et en Allemagne, tandis que la Belgique restera \u00e9pargn\u00e9e. La fusion devrait \u00eatre finalis\u00e9e d\u2019ici la fin 2025.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b94f493\" data-id=\"b94f493\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-462540e elementor-widget elementor-widget-image\" data-id=\"462540e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"450\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/04\/BaloiseHelvetia.png\" class=\"attachment-large size-large wp-image-23159\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/04\/BaloiseHelvetia.png 600w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/04\/BaloiseHelvetia-300x225.png 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-58c8dd4 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"58c8dd4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2e24fcd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2e24fcd\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a33d1a4\" data-id=\"a33d1a4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-19a75f2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"19a75f2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ffa8948\" data-id=\"ffa8948\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5c12bf7 elementor-widget elementor-widget-heading\" data-id=\"5c12bf7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fusion dans l\u2019Est : Affineo\u2019Assur rejoint La Bressane\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62ffeb8 elementor-widget elementor-widget-text-editor\" data-id=\"62ffeb8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>22\/08\/2025 &#8211; <a href=\"https:\/\/www.linkedin.com\/posts\/groupe-des-assurances-mutuelles-de-l-est-gamest_sociaeztaires-mutuelle-fusion-activity-7365063641328459776-SK50?utm_source=share&amp;utm_medium=member_desktop&amp;rcm=ACoAACCg1MoBu2lM-pFC5yrCONSfHC4CUdfcJbU\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-730f869 elementor-widget elementor-widget-text-editor\" data-id=\"730f869\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Deux mutuelles historiques de l\u2019Est de la France, Affineo\u2019Assur et La Bressane, ont valid\u00e9 leur projet de fusion-absorption lors d\u2019assembl\u00e9es g\u00e9n\u00e9rales le 22 ao\u00fbt. Affineo\u2019Assur, qui compte 3\u202f000 soci\u00e9taires et 4\u202f000 contrats, sera int\u00e9gr\u00e9e \u00e0 La Bressane, forte de 9\u202f700 contrats et d\u2019un chiffre d\u2019affaires de 6,6\u202fmillions d&#8217;euros en 2024. La fusion, soumise \u00e0 l\u2019approbation de l\u2019ACPR, serait r\u00e9troactive au 1er janvier 2025, avec mise en commun des comptes et int\u00e9gration des trois salari\u00e9s d\u2019Affineo\u2019Assur. Selon les experts, cette op\u00e9ration s\u2019appuie sur des synergies naturelles : produits similaires, soci\u00e9taires en partie communs et gouvernance d\u00e9j\u00e0 unifi\u00e9e depuis 2024.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6ba6b6f\" data-id=\"6ba6b6f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-41a27cb elementor-widget elementor-widget-image\" data-id=\"41a27cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"450\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/bressane.png\" class=\"attachment-large size-large wp-image-25689\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/bressane.png 600w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/bressane-300x225.png 300w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/bressane-16x12.png 16w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-11f4567 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"11f4567\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cc3618d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cc3618d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-128c324\" data-id=\"128c324\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0013d5b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0013d5b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6cbfdaf\" data-id=\"6cbfdaf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dd4ba56 elementor-widget elementor-widget-heading\" data-id=\"dd4ba56\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Acheel \u00e9largit son offre avec l\u2019assurance scolaire et la RC Pro<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-04832f6 elementor-widget elementor-widget-text-editor\" data-id=\"04832f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ao\u00fbt 2025 &#8211; <a href=\"https:\/\/www.linkedin.com\/posts\/franckydefosse_acheel-assurance-innovation-activity-7366762210188058624-_sHL?utm_source=share&amp;utm_medium=member_desktop&amp;rcm=ACoAACCg1MoBu2lM-pFC5yrCONSfHC4CUdfcJbU\" target=\"_blank\" rel=\"noopener\">Source 1<\/a> &#8211; <a href=\"https:\/\/www.linkedin.com\/posts\/franckydefosse_assurance-innovation-rentraezescolaire-activity-7365993972898373633-P0ec?utm_source=share&amp;utm_medium=member_desktop&amp;rcm=ACoAACCg1MoBu2lM-pFC5yrCONSfHC4CUdfcJbU\" target=\"_blank\" rel=\"noopener\">Source 2<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fcea6c4 elementor-widget elementor-widget-text-editor\" data-id=\"fcea6c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Le n\u00e9o-assureur Acheel, fond\u00e9 en 2020, continue d\u2019\u00e9tendre son portefeuille de produits digitaux et flexibles. Cet \u00e9t\u00e9, la compagnie a lanc\u00e9 deux nouvelles lignes d\u2019activit\u00e9 : la responsabilit\u00e9 civile professionnelle (RC Pro) et l\u2019assurance scolaire, portant \u00e0 huit le nombre de verticales couvertes. La RC Pro d\u00e9marre \u00e0 8,99\u202f\u20ac par mois et l\u2019assurance scolaire \u00e0 1,26\u202f\u20ac par mois selon les formules. Acheel revendique plus de 700\u202f000 clients, majoritairement en sant\u00e9, et poursuit sa strat\u00e9gie de tarifs comp\u00e9titifs tout en proposant des solutions B2C et B2B2C.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8780faf\" data-id=\"8780faf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d915334 elementor-widget elementor-widget-image\" data-id=\"d915334\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"450\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/acheel.png\" class=\"attachment-large size-large wp-image-25688\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/acheel.png 600w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/acheel-300x225.png 300w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/09\/acheel-16x12.png 16w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-22c52cf elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"22c52cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Explorez notre r\u00e9sum\u00e9 des grands titres de l\u2019actualit\u00e9 assurantielle en France en un scroll! 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