{"id":1107,"date":"2019-03-22T11:40:40","date_gmt":"2019-03-22T10:40:40","guid":{"rendered":"https:\/\/april-moto.com\/?p=1107"},"modified":"2024-03-26T12:24:04","modified_gmt":"2024-03-26T11:24:04","slug":"le-pret-de-guidon-et-lassurance-2-roues","status":"publish","type":"post","link":"https:\/\/april-moto.com\/le-pret-de-guidon-et-lassurance-2-roues\/","title":{"rendered":"Le pr\u00eat de guidon et l&rsquo;assurance 2 roues"},"content":{"rendered":"<p>Une moto, c\u2019est perso. Pourtant, dans bien des occasions, passez le guidon est une n\u00e9cessit\u00e9. Lors d\u2019un essai\u00a0par exemple lors de <strong><a href=\"https:\/\/april-moto.com\/2-roues-doccasion-faire-le-bon-choix\/\">l\u2019achat d\u2019une moto d\u2019occasion<\/a><\/strong>. Ou parce que vous venez de vous blesser \u00e0 la main. Ou tout simplement pour se relayer au guidon sur la route de vacances. \u00cates-vous s\u00fbr que votre <strong><a href=\"https:\/\/www.april-moto.com\/assurance-moto\/\">assurance moto<\/a><\/strong> vous couvre ? Dans quelles conditions ?<\/p>\n\n\n<div style=\"height:36px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<h2>Le pr\u00eat de guidon : tout d\u00e9pend du contrat d\u2019assurance 2 roues<\/h2>\n<p>La majorit\u00e9 des contrats d\u2019assurance moto contiennent une clause \u00ab conducteur exclusif \u00bb. Si c\u2019est votre cas, vous ne pouvez pas pr\u00eater votre 2 roues. En cas de sinistre, l\u2019assurance ne jouera pas.<\/p>\n<p>Mais certains assureurs moto pr\u00e9voient le pr\u00eat de guidon, avec ou sans franchise major\u00e9e. Parfois, le montant de la <strong><a href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F2706\" target=\"_blank\" rel=\"noopener noreferrer\">franchise<\/a> <\/strong>d\u00e9pend du profil du conducteur, ou d\u2019autres conditions sont pos\u00e9es : l\u2019emprunteur doit \u00eatre de la famille de l\u2019assur\u00e9, ou avoir X ann\u00e9es de permis\u2026 Lisez donc attentivement votre contrat pour savoir \u00e0 quoi vous vous exposez en pr\u00eatant votre 2 roues. Vous avez un doute ? Prenez contact avec votre assureur moto. Par ailleurs, saviez-vous qu\u2019APRIL Moto propose une<strong> <a href=\"https:\/\/www.april-moto.com\/profils-conducteurs-moto\/\">assurance pour chaque profil de conducteurs moto<\/a> <\/strong>?<\/p>\n\n\n<div style=\"height:36px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<h3>Le pr\u00eat de guidon et les limitations de garantie<\/h3>\n<p>Votre contrat d\u2019assurance moto le permet, votre ami est un motard exp\u00e9riment\u00e9, et pourtant, l\u2019accident arrive\u2026 Il est trop tard pour d\u00e9couvrir que la garantie <a href=\"https:\/\/april-moto.com\/protection-corporelle-du-conducteur\/\"><b>corporelle du conducteur<\/b><\/a>\u00a0n\u2019\u00e9tait pas transmissible.<\/p>\n<p>Avant de signer un contrat d\u2019assurance 2 roues, v\u00e9rifiez que le pr\u00eat du guidon s\u2019accompagne bien de l\u2019int\u00e9gralit\u00e9 des garanties souscrites. Si, dans les conditions g\u00e9n\u00e9rales, vous trouvez une formule type de d\u00e9finition du b\u00e9n\u00e9ficiaire : \u00ab souscripteur, propri\u00e9taire ou toute personne autoris\u00e9e par eux \u00bb, vous \u00eates couvert.<\/p>\n\n\n<div style=\"height:36px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<h3>Le pr\u00eat de guidon et le bonus-malus moto<\/h3>\n<p>Vous avez pr\u00eat\u00e9 votre moto \u00e0 un ami. Il est responsable d\u2019un accident. C\u2019est votre <strong><a href=\"https:\/\/april-moto.com\/tout-savoir-sur-le-bonus-malus-avant-dassurer-sa-moto\/\">coefficient bonus-malus<\/a> <\/strong>qui sera impact\u00e9. M\u00eame si vous \u00e9tiez \u00e0 1.000 km de l\u00e0.<\/p>\n\n\n<div style=\"height:36px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<h3>Le pr\u00eat de guidon et le bon sens<\/h3>\n<p>Avant de pr\u00eater votre guidon, assurez-vous que votre ami a un permis qui correspond \u00e0 votre 2 roues. Sinon, vous ne serez pas couvert par votre assurance moto. De plus, vous commettez le <strong><a href=\"https:\/\/www.legifrance.gouv.fr\/affichJuriJudi.do?oldAction=rechJuriJudi&amp;idTexte=JURITEXT000023296827&amp;fastReqId=269017347&amp;fastPos=1\" target=\"_blank\" rel=\"noopener noreferrer\">d\u00e9lit de complicit\u00e9 de conduite sans permis<\/a><\/strong> par fourniture de moyens\u2026 s\u00e9v\u00e8rement puni.<\/p>\n<div>\n\n\n<div style=\"height:36px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<h2>Focus APRIL Moto : Le pr\u00eat de guidon tout compris<\/h2>\n<p>Avec <strong><a href=\"https:\/\/www.april-moto.com\/\">APRIL Moto<\/a><\/strong>, m\u00eame si la conduite exclusive est la r\u00e8gle, le pr\u00eat de guidon est toujours pr\u00e9vu. Toutes les garanties souscrites se transmettent au conducteur, pour autant que vous l\u2019ayez autoris\u00e9 \u00e0 emprunter votre deux-roues.<\/p>\n<p>Peu importe que vous pr\u00eatiez votre moto de jour ou de nuit, \u00e0 votre conjoint ou \u00e0 votre voisin, en France ou \u00e0 l\u2019\u00e9tranger, vous \u00eates couvert. La personne qui conduit votre moto aussi. Si le montant de la franchise varie selon la personne qui conduit votre moto, elle reste inchang\u00e9e pour votre conjoint.<\/p>\n<p>Profitez vous aussi du savoir-faire d\u2019APRIL Moto et rejoignez les 96 % de motards satisfaits par nos services et prestations. Contactez-nous au 02.47.51.07.07 pour en savoir plus, ou obtenez un <strong><a target=\"_blank\" data-obflink-url=\"aHR0cHM6Ly9kZXZpcy5hcHJpbC1tb3RvLmNvbS8=\" class=\"\" tabindex=\"0\">devis en ligne<\/a><\/strong>.<\/p>\n<div class=\"cta-section-1\"><span class=\"sub-heading\">APRIL Moto, l\u2019assurance par les motards pour les motards.<\/span><br><span class=\"heading\">Tarifs comp\u00e9titifs, souscription rapide et sans engagement.<\/span><br><a class=\"button gtm-guide-1\" href=\"devis.april-moto.com\" target=\"_blank\" rel=\"nofollow noopener\" data-gtm-guide=\"Obtenir votre tarif\">Obtenir mon tarif (3 min)<\/a><\/div>\n\n\n<div style=\"height:36px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"Une moto, c\u2019est perso. Pourtant, dans bien des occasions, passez le guidon est une n\u00e9cessit\u00e9. Lors d\u2019un essai\u00a0par exemple lors de l\u2019achat d\u2019une moto d\u2019occasion. Ou parce que vous venez de vous blesser \u00e0 la main. Ou tout simplement pour se relayer au guidon sur la route de vacances. \u00cates-vous s\u00fbr que votre assurance moto&#8230;","protected":false},"author":2,"featured_media":10755,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Le pr\u00eat de guidon et l&#039;assurance 2 roues - APRIL Moto<\/title>\n<meta name=\"description\" content=\"Une moto, c\u2019est perso. Pourtant, dans bien des occasions, passez le guidon est une n\u00e9cessit\u00e9. 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