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"text": "L’assurance plaisance vous permettra de prot\u00e9ger les tiers et les personnes qui embarquent avec vous \u00e0 bord de votre bateau. Grace \u00e0 l’assurance plaisance vous ne prendrez pas le risque de devoir assumer des cons\u00e9quences financi\u00e8res \u00e0 la suite de dommages caus\u00e9s \u00e0 autrui ou \u00e0 votre bateau, que cela soit des dommages d’ordre corporels, mat\u00e9riels ou immat\u00e9riels.<br \/>\nDe plus, souscrire \u00e0 une assurance plaisance c’est, aussi, b\u00e9n\u00e9ficier de garanties permettant de couvrir votre bateau et ses \u00e9quipements en cas de vol, casse ou autres d\u00e9g\u00e2ts de types mat\u00e9riels ou immat\u00e9riels.<\/p>\n<p><strong>Bon \u00e0 savoir :<\/strong> Attention, si vous souhaitez amarrer votre bateau dans un port, une garantie minimale de responsabilit\u00e9 civile vous sera demand\u00e9e par le port en question."
}
},
{
"@type": "Question",
"name": "Quelle assurance pour mon bateau ?",
"acceptedAnswer": {
"@type": "Answer",
"text": "L’assurance bateau et ses garanties ne sont pas obligatoires. Pour autant, en souscrire une peut s’av\u00e9rer tr\u00e8s utile en cas de d\u00e9gradations ou d’accident.<br \/>\nVous aurez l’embarras du choix en termes d’assurance plaisance. Selon le type de bateau, d’\u00e9quipement et d’usage, une solution adapt\u00e9e est disponible. Bateau \u00e0 moteur, voilier, jet-ski, remorque, \u00e9quipement de sports nautique, de p\u00eache ou encore location entre particuliers, une assurance est possible \u00e0 niveaux de couverture diff\u00e9rents.<\/p>\n<p>On distingue 2 types de contrat d’assurance plaisance :<br \/>\n– l’assurance au tiers : il s’agit ici de la formule de base permettant de profiter, uniquement, de la garantie Responsabilit\u00e9 Civile, ainsi qu’\u00e9ventuellement (selon les polices) de quelques autres garanties compl\u00e9mentaires.<br \/>\n– l’assurance multirisque : qui, \u00e0 l’image d’une assurance auto tous risques, int\u00e8gre d’office, en plus de la Responsabilit\u00e9 Civile, un grand nombre de garanties destin\u00e9es \u00e0 couvrir le bateau, les passagers, les biens \u00e0 bord.<\/p>\n<p><strong>Bon \u00e0 savoir :<\/strong> l’assurance bateau n’est pas obligatoire pour les particuliers mais les professionnels doivent souscrire au minimum \u00e0 une assurance Responsabilit\u00e9 Civile professionnelle. Si vous ne prenez pas d’assurance bateau, vous prenez tout simplement le risque de ne pas \u00eatre indemnis\u00e9 en cas de probl\u00e8me. S’il stationne dans votre garage, sachez que votre assurance habitation ne le prend pas en charge, le bateau n\u00e9cessite une assurance sp\u00e9cifique.<\/p>\n<p>"
}
},
{
"@type": "Question",
"name": "Pour quel montant dois-je assurer mon bateau ?",
"acceptedAnswer": {
"@type": "Answer",
"text": "Pour savoir \u00e0 quelle valeur assurer votre bateau, il est possible d’utiliser la cotation argus qui vous permettra de calculer en ligne la cote de votre bateau. Plus simple, en cas de financement, la valeur \u00e0 assurer correspond au montant minimum total du remboursement de votre bateau. Si vous avez un doute, un professionnel de la plaisance (vendeur, r\u00e9parateur, etc.) pourra vous guider en vous donnant une \u00e9chelle de valeur pour votre bateau.<\/p>\n<p><strong>Bon \u00e0 savoir :<\/strong> lorsque vous souscrivez \u00e0 un contrat Horizon, assurance plaisance multirisque APRIL Marine, le remboursement en valeur \u00e0 neuf peut \u00eatre appliqu\u00e9 suivant l’\u00e2ge du bateau et la gravit\u00e9 du sinistre. Lorsque l’assur\u00e9 dispose d’un contrat Littoral, le remboursement se base sur la valeur \u00e9conomique du bateau. Retrouvez notre article en ligne sur l’indemnisation.<\/p>\n<p>"
}
},
{
"@type": "Question",
"name": "Quelles sont les personnes couvertes par mon assurance bateau ?",
"acceptedAnswer": {
"@type": "Answer",
"text": "Nos contrats vous couvrent en tant qu’assur\u00e9, ainsi que votre conjoint(e), vos personnes \u00e0 charge, les membres de votre famille imm\u00e9diate et toute autre personne conduisant votre bateau avec votre permission et l\u00e9galement en mesure de conduire. Vous restez responsable des actions de toute personne conduisant votre bateau. Nos contrats sont exclusivement destin\u00e9s \u00e0 un usage non commercial."
}
},
{
"@type": "Question",
"name": "Comment est calcul\u00e9e ma prime d'assurance ?",
"acceptedAnswer": {
"@type": "Answer",
"text": "Plusieurs facteurs sont pris en compte pour le calcul de votre prime, parmi eux on retrouve par exemple : le type de bien (marque et mod\u00e8le), l’\u00e2ge et la valeur assur\u00e9e de ce dernier, la motorisation (puissance, \u00e2ge, nombres d’heures au compteur), votre exp\u00e9rience maritime, votre historique de sinistres, la zone de navigation, le pavillon et le port d’attache du bateau, le mat\u00e9riel embarqu\u00e9 et l’usage de votre bateau. Pour obtenir un tarif, nous vous invitons \u00e0 effectuer un devis en ligne, imm\u00e9diat et sans engagement."
}
},
{
"@type": "Question",
"name": "Comment mettre \u00e0 jour les informations de mon contrat ?",
"acceptedAnswer": {
"@type": "Answer",
"text": "Pour mettre \u00e0 jour vos informations nous vous invitons \u00e0 vous connecter sur votre espace assur\u00e9 ou \u00e0 prendre contact avec l’un de nos conseillers."
}
},
{
"@type": "Question",
"name": "Lorsque je souscris \u00e0 une assurance plaisance, puis-je naviguer o\u00f9 je veux ?",
"acceptedAnswer": {
"@type": "Answer",
"text": "L’assurance plaisance n’\u00e9tant pas obligatoire, vous avez le \u00ab droit \u00bb de naviguer o\u00f9 bon vous semble. Il est cependant important de d\u00e9clarer vos zones de navigation \u00e0 votre assureur lors de la souscription. Automatiquement, votre contrat d’assurance plaisance APRIL Marine vous couvre dans la zone de navigation \u00ab Europe \u00bb. En dehors de cette zone ou pour effectuer une transatlantique ou un tour du monde il vous suffira de prendre contact avec nos conseillers qui vous proposeront des solutions adapt\u00e9es et sur-mesure.<\/p>\n<p><strong>Bon \u00e0 savoir :<\/strong> les limites g\u00e9ographiques de la zone de navigation \u00ab Europe \u00bb sont d\u00e9finies par la latitude 60\u00b0N au Nord, la latitude 25\u00b0N au Sud, la longitude 30\u00b0O \u00e0 l’Ouest et la longitude 30\u00b0E \u00e0 l’Est, sans franchissement du Bosphore ni entr\u00e9e dans le Canal de Suez."
}
},
{
"@type": "Question",
"name": "Est-ce qu'il existe un syst\u00e8me de \u00ab bonus-malus \u00bb dans l'assurance plaisance ?",
"acceptedAnswer": {
"@type": "Answer",
"text": "Il n’existe pas de syst\u00e8me officiel et reconnu en plaisance qui pourrait s’apparenter au bonus \/ malus connu dans l’assurance auto. Attention tout de m\u00eame, chez certains assureurs la sinistralit\u00e9 pourrait avoir une incidence sur votre prochaine cotisation.<\/p>\n<p><strong>Bon \u00e0 savoir :<\/strong> chez APRIL Marine votre franchise est d\u00e9gressive de 25 % par ann\u00e9e sans sinistre."
}
}
]
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<h1><span class="keb-headings keb-titre-h1">L’assurance et le financement plaisance en plus facile</span></h1>
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<p>Devis et souscription 100 % en ligne,<br />
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<p>et de <strong>financement</strong> :<br />
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<h2 style="text-align: center;"><span class="keb-headings keb-titre-h2"><span class="txt_blue">Trouvez les meilleures offres</span> en assurance et financement plaisance</span></h2>
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Assurance bateau à moteur</p>
<h3><span class="keb-headings keb-titre-h3">Profitez de <span class="txt_blue">garanties uniques</span> pour que vos sorties en mer restent toujours un plaisir.</span></h3>
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APRIL Marine assistance</p>
<h3><span class="keb-headings keb-titre-h3">Bénéficiez d’un <span class="txt_blue">dépannage dans l’heure</span> et repartez le plus vite possible.</span></h3>
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Financement bateau</p>
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Avarie moteur</p>
<h3><span class="keb-headings keb-titre-h3">Evitez les dépenses excessives en cas de panne avec la <span class="txt_blue">garantie avarie moteur</span>.</span></h3>
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Financement équipement</p>
<h3><span class="keb-headings keb-titre-h3">Offrez <span class="txt_blue">une nouvelle jeunesse</span> à votre bateau : équipez-vous ou modernisez vos équipements.</span></h3>
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<h2 style="text-align: center;"><span class="keb-titre-h2"><span class="txt_blue">L’assurance</span> de passer un maximum de temps sur l’eau</span></h2>
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<h3 style="text-align: center;"><span class="keb-headings keb-titre-h4">Pourquoi assurer son bateau toute l’année ?</span></h3>
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<p style="text-align: center;"><span class="keb-headings keb-titre-p14">Inédit sur le marché !<br />
Votre moteur est automatiquement couvert jusqu’à sa 50<sup>ème</sup> année</span></p>
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<p style="text-align: center;"><span class="keb-headings keb-titre-p14">Découvrez notre service premium incluant l’assistance et le dépannage, à terre, à quai et en mer 7j/7 et 24h/24.</span></p>
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<h2 style="text-align: center;"><span class="keb-headings keb-titre-h2"><span class="txt_blue">Innovante, dynamique,</span> découvrez APRIL Marine</span></h2>
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<p><span class="keb-titre-p14 keb-headings">93 % de clients satisfaits*</span></p>
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<p><span class="keb-titre-p14 keb-headings">110 000 clients plaisanciers</span></p>
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<p><span class="keb-titre-p14 keb-headings">Spécialiste en assurance plaisance</span></p>
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<h3 class="uiba-titre"><span class="with-markdown"><strong>Réforme TAEMUP </strong> : pourquoi la filière nautique appelle à une concertation avant 2027</span></h3>
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<h3 class="uiba-titre"><span class="with-markdown"><strong>Alcool et vitesse en mer :</strong> les nouvelles règles pour les plaisanciers en 2026</span></h3>
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<h3><span class="keb-headings keb-titre-h2">APRIL Marine partenaire de la SNSM</span></h3>
<p><span class="keb-headings keb-titre-p14">Parce que la sécurité de nos plaisanciers est essentielle, </span><span class="keb-headings keb-titre-p14">APRIL Marine reverse 1 € de votre cotisation d’assurance à </span><span class="keb-headings keb-titre-p14">la SNSM.</span></p>
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<span class="numcpt">1</span><span class="numcpt">9</span><span class="numcpt">9</span><span class="numcpt">8</span><span class="numcpt">9</span><span class="numcpt">€</span>
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<h2><span class="keb-headings keb-titre-h2">110 000 plaisanciers nous font confiance. <span class="txt_blue">Et vous ?</span></span></h2>
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<h3 class="uiba-titre"><span class="with-markdown">APRIL Marine renouvelle son engagement auprès de la <strong>SNSM</strong></span></h3>
<span class="uiba-desc">APRIL Marine renouvelle, cette année encore, son soutien aux sauveteurs en mer et remet un nouveau don de 40 500…</span>
<div class="uiba-footer">
10/12/2025 </div>
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<a class="uiba-wrapper" href="https://www.aprilmarine.fr/actualites/evenement/cloture-session-jsp-2025" target="_self">
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<div class="uiba-header--cat">APRIL Marine</div>
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<h3 class="uiba-titre"><span class="with-markdown">Clap de fin des <strong>Journées Sécurité Plaisance 2025</strong></span></h3>
<span class="uiba-desc">À l’approche des navigations d'été, APRIL Marine termine avec succès l’édition 2025 des Journées Sécurité Plaisance. Ce programme de formation…</span>
<div class="uiba-footer">
12/06/2025 </div>
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<a class="uiba-wrapper" href="https://www.aprilmarine.fr/actualites/evenement/journee-mondiale-de-lenvironnement" target="_self">
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<div class="uiba-header--cat">APRIL Marine</div>
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<h3 class="uiba-titre"><span class="with-markdown">APRL Marine se mobilise et propose des ateliers de sensibilisation à l’occasion de la <strong>journée mondiale de l’environnement</strong></span></h3>
<span class="uiba-desc">Jeudi 5 juin, à l’occasion de la journée mondiale de l’environnement, APRIL Marine a réaffirmé son engagement en faveur de…</span>
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10/06/2025 </div>
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<div class="uiba-header--cat">APRIL Marine</div>
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</svg> 4 min</div>
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<h3 class="uiba-titre"><span class="with-markdown">Sécurisez vos prochaines navigations avec <strong>LibertyKite®</strong></span></h3>
<span class="uiba-desc">APRIL Marine et Beyond the Sea renforcent leur partenariat pour vous permettre de sécuriser vos prochaines navigations avec le LibertyKite®.…</span>
<div class="uiba-footer">
29/04/2025 </div>
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<h2 style="text-align: center;"><span class="keb-headings keb-titre-h2">Questions fréquentes</span></h2>
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<h3 class="question-texte">Comment souscrire à un contrat APRIL Marine ?</h3>
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<p>Pour souscrire un contrat d’assurance plaisance APRIL Marine (bateaux à moteur, voiliers ou jet skis) rendez-vous en ligne pour obtenir une tarification immédiate ou par téléphone en prenant contact avec l’un de nos conseillers spécialisés au +33 (0)2 49 98 85 00.</p>
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<h3 class="question-texte">Pourquoi souscrire à une assurance plaisance ?</h3>
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<p>L’assurance plaisance vous permettra de protéger les tiers et les personnes qui embarquent avec vous à bord de votre bateau. Grace à l’assurance plaisance vous ne prendrez pas le risque de devoir assumer des conséquences financières à la suite de dommages causés à autrui ou à votre bateau, que cela soit des dommages d’ordre corporels, matériels ou immatériels.<br />
De plus, souscrire à une assurance plaisance c’est, aussi, bénéficier de garanties permettant de couvrir votre bateau et ses équipements en cas de vol, casse ou autres dégâts de types matériels ou immatériels.</p>
<p><strong>Bon à savoir :</strong> Attention, si vous souhaitez amarrer votre bateau dans un port, une garantie minimale de responsabilité civile vous sera demandée par le port en question.</p>
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<h3 class="question-texte">Quelle assurance pour mon bateau ?</h3>
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<p>L’assurance bateau et ses garanties ne sont pas obligatoires. Pour autant, en souscrire une peut s’avérer très utile en cas de dégradations ou d’accident.<br />
Vous aurez l’embarras du choix en termes d’assurance plaisance. Selon le type de bateau, d’équipement et d’usage, une solution adaptée est disponible. Bateau à moteur, voilier, jet-ski, remorque, équipement de sports nautique, de pêche ou encore location entre particuliers, une assurance est possible à niveaux de couverture différents.</p>
<p>On distingue 2 types de contrat d’assurance plaisance :<br />
– l’assurance au tiers : il s’agit ici de la formule de base permettant de profiter, uniquement, de la garantie Responsabilité Civile, ainsi qu’éventuellement (selon les polices) de quelques autres garanties complémentaires.<br />
– l’assurance multirisque : qui, à l’image d’une assurance auto tous risques, intègre d’office, en plus de la Responsabilité Civile, un grand nombre de garanties destinées à couvrir le bateau, les passagers, les biens à bord.</p>
<p><strong>Bon à savoir :</strong> l’assurance bateau n’est pas obligatoire pour les particuliers mais les professionnels doivent souscrire au minimum à une assurance Responsabilité Civile professionnelle. Si vous ne prenez pas d’assurance bateau, vous prenez tout simplement le risque de ne pas être indemnisé en cas de problème. S’il stationne dans votre garage, sachez que votre assurance habitation ne le prend pas en charge, le bateau nécessite une assurance spécifique.</p>
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<h3 class="question-texte">Pour quel montant dois-je assurer mon bateau ?</h3>
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<p>Pour savoir à quelle valeur assurer votre bateau, il est possible d’utiliser la cotation argus qui vous permettra de calculer en ligne la cote de votre bateau. Plus simple, en cas de financement, la valeur à assurer correspond au montant minimum total du remboursement de votre bateau. Si vous avez un doute, un professionnel de la plaisance (vendeur, réparateur, etc.) pourra vous guider en vous donnant une échelle de valeur pour votre bateau.</p>
<p><strong>Bon à savoir :</strong> lorsque vous souscrivez à un contrat Horizon, assurance plaisance multirisque APRIL Marine, le remboursement en valeur à neuf peut être appliqué suivant l’âge du bateau et la gravité du sinistre. Lorsque l’assuré dispose d’un contrat Littoral, le remboursement se base sur la valeur économique du bateau. Retrouvez notre article en ligne sur l’indemnisation.</p>
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<div class="ksc-question-faq ksc_question_6a2f0cee70f3d">
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<h3 class="question-texte">Quelles sont les personnes couvertes par mon assurance bateau ?</h3>
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<p>Nos contrats vous couvrent en tant qu’assuré, ainsi que votre conjoint(e), vos personnes à charge, les membres de votre famille immédiate et toute autre personne conduisant votre bateau avec votre permission et légalement en mesure de conduire. Vous restez responsable des actions de toute personne conduisant votre bateau. Nos contrats sont exclusivement destinés à un usage non commercial.</p>
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<div class="ksc-question-faq ksc_question_6a2f0cee71050">
<div class="question">
<h3 class="question-texte">Comment est calculée ma prime d'assurance ?</h3>
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<p>Plusieurs facteurs sont pris en compte pour le calcul de votre prime, parmi eux on retrouve par exemple : le type de bien (marque et modèle), l’âge et la valeur assurée de ce dernier, la motorisation (puissance, âge, nombres d’heures au compteur), votre expérience maritime, votre historique de sinistres, la zone de navigation, le pavillon et le port d’attache du bateau, le matériel embarqué et l’usage de votre bateau. Pour obtenir un tarif, nous vous invitons à effectuer un devis en ligne, immédiat et sans engagement.</p>
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<div class="ksc-question-faq ksc_question_6a2f0cee71056">
<div class="question">
<h3 class="question-texte">Comment mettre à jour les informations de mon contrat ?</h3>
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<p>Pour mettre à jour vos informations nous vous invitons à vous connecter sur votre espace assuré ou à prendre contact avec l’un de nos conseillers.</p>
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<div class="ksc-question-faq ksc_question_6a2f0cee71059">
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<h3 class="question-texte">Lorsque je souscris à une assurance plaisance, puis-je naviguer où je veux ?</h3>
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<p>L’assurance plaisance n’étant pas obligatoire, vous avez le « droit » de naviguer où bon vous semble. Il est cependant important de déclarer vos zones de navigation à votre assureur lors de la souscription. Automatiquement, votre contrat d’assurance plaisance APRIL Marine vous couvre dans la zone de navigation « Europe ». En dehors de cette zone ou pour effectuer une transatlantique ou un tour du monde il vous suffira de prendre contact avec nos conseillers qui vous proposeront des solutions adaptées et sur-mesure.</p>
<p><strong>Bon à savoir :</strong> les limites géographiques de la zone de navigation « Europe » sont définies par la latitude 60°N au Nord, la latitude 25°N au Sud, la longitude 30°O à l’Ouest et la longitude 30°E à l’Est, sans franchissement du Bosphore ni entrée dans le Canal de Suez.</p>
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<div class="ksc-question-faq ksc_question_6a2f0cee7105d">
<div class="question">
<h3 class="question-texte">Est-ce qu'il existe un système de « bonus-malus » dans l'assurance plaisance ?</h3>
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<p>Il n’existe pas de système officiel et reconnu en plaisance qui pourrait s’apparenter au bonus / malus connu dans l’assurance auto. Attention tout de même, chez certains assureurs la sinistralité pourrait avoir une incidence sur votre prochaine cotisation.</p>
<p><strong>Bon à savoir :</strong> chez APRIL Marine votre franchise est dégressive de 25 % par année sans sinistre.</p>
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<h2 style="text-align: center;"><span class="keb-headings keb-titre-h2">Contacts utiles</span></h2>
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<p><span class="keb-headings keb-titre-p12" style="color: #aaaaaa;">* Enquête réalisée en 2025 par l’institut M.O.A.I.<br />
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