{"id":6779,"date":"2026-09-08T16:23:32","date_gmt":"2026-09-08T16:23:32","guid":{"rendered":"https:\/\/www.laturquoise.ca\/?p=6779"},"modified":"2026-09-08T18:06:33","modified_gmt":"2026-09-08T18:06:33","slug":"garantie-de-remplacement-cime","status":"publish","type":"post","link":"https:\/\/www.laturquoise.ca\/fr\/garantie-de-remplacement-cime\/","title":{"rendered":"Garantie de remplacement CIME"},"content":{"rendered":"\n<section class=\"article-hero container reveal\">\n    <div class=\"article-hero__top\">\n                    <p class=\"article-hero__label anim anim-fade-right\">\n                Article            <\/p>\n        \n                    <h1 class=\"article-hero__title anim anim-fade-right\">\n                Assurance de remplacement au Qu\u00e9bec : fonctionnement, indemnisation et valeur \u00e0 neuf            <\/h1>\n        \n        <div class=\"article-hero__meta\">\n                            <ul class=\"article-hero__tags anim anim-fade-up\" aria-label=\"Cat\u00e9gories\">\n                                            \n                        <li class=\"article-hero__tag-item\">\n                            <a class=\"article-hero__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/automobile\/\">\n                                Automobile                            <\/a>\n                        <\/li>\n                                            \n                        <li class=\"article-hero__tag-item\">\n                            <a class=\"article-hero__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/conseils-generaux\/\">\n                                Conseils g\u00e9n\u00e9raux                            <\/a>\n                        <\/li>\n                                            \n                        <li class=\"article-hero__tag-item\">\n                            <a class=\"article-hero__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/conseils-pratiques\/\">\n                                Conseils pratiques                            <\/a>\n                        <\/li>\n                                            \n                        <li class=\"article-hero__tag-item\">\n                            <a class=\"article-hero__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/couvertures-expliquees\/\">\n                                Couvertures expliqu\u00e9es                            <\/a>\n                        <\/li>\n                                            \n                        <li class=\"article-hero__tag-item\">\n                            <a class=\"article-hero__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/la-turquoise\/\">\n                                La Turquoise                            <\/a>\n                        <\/li>\n                                            \n                        <li class=\"article-hero__tag-item\">\n                            <a class=\"article-hero__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/particuliers\/\">\n                                Particuliers                            <\/a>\n                        <\/li>\n                                            \n                        <li class=\"article-hero__tag-item\">\n                            <a class=\"article-hero__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/protections-expliquees\/\">\n                                Protections expliqu\u00e9es                            <\/a>\n                        <\/li>\n                                            \n                        <li class=\"article-hero__tag-item\">\n                            <a class=\"article-hero__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/vehicules-recreatifs-et-de-loisirs\/\">\n                                V\u00e9hicules r\u00e9cr\u00e9atifs et de loisirs                            <\/a>\n                        <\/li>\n                                    <\/ul>\n            \n            <div class=\"article-hero__details anim anim-fade-up\">\n                                    <time class=\"article-hero__date\" datetime=\"2026-09-08\">\n                        8 septembre 2026                    <\/time>\n                \n                                    <span class=\"article-hero__details-sep\" aria-hidden=\"true\"><\/span>\n\n                    <span class=\"article-hero__read-time\">\n                        4 min                    <\/span>\n                            <\/div>\n        <\/div>\n    <\/div>\n\n    <div class=\"article-hero__byline anim anim-fade-up\">\n                    <div class=\"article-hero__author-badge\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"35\" height=\"32\" viewBox=\"0 0 35 32\" fill=\"none\">\n  <path d=\"M17.07 32C5.847 32 0 24.425 0 15.97 0 7.046 6.732 0 17.07 0c10.34 0 10.747 32 0 32zm-5.909-16.03c0 6.103 1.064 13.625 5.91 13.625s5.91-6.632 5.91-13.626c0-5.522-.825-13.564-5.91-13.564-5.086 0-5.91 8.632-5.91 13.564z\" fill=\"#00ABCD\"\/>\n  <path d=\"M17.22 0c-.15 0-.292.018-.443.018v.035h.212c10.304 0 10.782 31.885.036 31.947h.196c10.382 0 17.15-7.047 17.15-15.97C34.372 7.576 28.499 0 17.222 0z\" fill=\"#006B78\"\/>\n<\/svg>\n\n                <span class=\"article-hero__author-label\">\n                        R\u00e9dig\u00e9 par Cabinet La Turquoise                    <\/span>\n            <\/div>\n        \n                        <ul class=\"article-share\" aria-label=\"Partager cet article\">\n                    <li class=\"article-share__item article-share__item--facebook\">\n                <a class=\"article-share__link\"\n                   href=\"https:\/\/www.facebook.com\/sharer.php?u=https%3A%2F%2Fwww.laturquoise.ca%2Ffr%2Fgarantie-de-remplacement-cime%2F\"\n                   aria-label=\"Partager sur Facebook\"\n                                                    target=\"_blank\" rel=\"noopener noreferrer\"\n                        >\n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\">\n  <path d=\"M16 0C7.166 0 0 7.156 0 16c0 8.844 7.166 16 16 16s16-7.166 16-16S24.834 0 16 0zm6.298 8.072h-1.871c-1.842 0-2.421 1.148-2.421 2.325v2.787h4.118l-.656 4.292h-3.462v10.387h-4.649V17.476h-3.77v-4.292h3.77v-3.27c0-3.722 2.219-5.777 5.614-5.777 1.63 0 3.327.29 3.327.29v3.655-.01z\" fill=\"#007680\"\/>\n<\/svg>\n                <\/a>\n            <\/li>\n                    <li class=\"article-share__item article-share__item--linkedin\">\n                <a class=\"article-share__link\"\n                   href=\"https:\/\/www.linkedin.com\/sharing\/share-offsite\/?url=https%3A%2F%2Fwww.laturquoise.ca%2Ffr%2Fgarantie-de-remplacement-cime%2F\"\n                   aria-label=\"Partager sur LinkedIn\"\n                                                    target=\"_blank\" rel=\"noopener noreferrer\"\n                        >\n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\">\n  <path d=\"M16 32c8.837 0 16-7.163 16-16S24.837 0 16 0 0 7.163 0 16s7.163 16 16 16z\" fill=\"#007680\"\/>\n  <path d=\"M7.939 12.268l3.453-.011.037 11.09-3.453.012-.037-11.09zm1.708-5.522c1.109-.004 1.999.89 2.003 1.99a2 2 0 01-4.003.013c-.003-1.1.89-2 2-2.003zM13.552 12.25l3.308-.011.005 1.514h.048c.46-.88 1.576-1.8 3.263-1.805 3.492-.012 4.146 2.281 4.156 5.27l.02 6.086-3.443.012-.018-5.391c-.004-1.293-.039-2.942-1.804-2.936-1.765.006-2.069 1.406-2.064 2.852l.019 5.488-3.443.012-.038-11.091h-.01z\" fill=\"#fff\"\/>\n<\/svg>\n                <\/a>\n            <\/li>\n                    <li class=\"article-share__item article-share__item--x\">\n                <a class=\"article-share__link\"\n                   href=\"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fwww.laturquoise.ca%2Ffr%2Fgarantie-de-remplacement-cime%2F&#038;text=Garantie%20de%20remplacement%20CIME\"\n                   aria-label=\"Partager sur X\"\n                                                    target=\"_blank\" rel=\"noopener noreferrer\"\n                        >\n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\">\n  <path d=\"M16.154 14.63L11.88 8.506H9.596l5.304 7.59.666.946 4.542 6.5h2.276l-5.565-7.957-.665-.955z\" fill=\"#007680\"\/>\n  <path d=\"M16 0C7.166 0 0 7.166 0 16s7.166 16 16 16 16-7.166 16-16S24.834 0 16 0zm3.404 24.603l-4.59-6.684-5.748 6.684H7.58l6.578-7.648L7.58 7.378h5.015l4.35 6.327 5.45-6.327h1.484l-6.268 7.291 6.818 9.924h-5.015l-.01.01z\" fill=\"#007680\"\/>\n<\/svg>\n                <\/a>\n            <\/li>\n                    <li class=\"article-share__item article-share__item--email\">\n                <a class=\"article-share__link\"\n                   href=\"mailto:?subject=Article%20%C3%A0%20lire%20%3A%20Garantie%20de%20remplacement%20CIME&#038;body=Bonjour%2C%0A%0AJe%20voulais%20vous%20partager%20cet%20article%20%3A%0Ahttps%3A%2F%2Fwww.laturquoise.ca%2Ffr%2Fgarantie-de-remplacement-cime%2F\"\n                   aria-label=\"Partager par courriel\"\n                        >\n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\">\n  <path d=\"M16 0C7.16043 0 0 7.16043 0 16C0 24.8396 7.16043 32 16 32C24.8396 32 32 24.8396 32 16C32 7.16043 24.8396 0 16 0ZM8.84922 8.80097H23.1508C23.3438 8.80097 23.5368 8.82992 23.7201 8.87817C23.6912 8.89747 23.6719 8.91677 23.6429 8.94572L17.2545 16.193C16.9361 16.5597 16.4922 16.7624 16 16.7624C15.5078 16.7624 15.0639 16.5597 14.7455 16.193L8.28951 8.86852C8.46321 8.82026 8.65621 8.79131 8.84922 8.79131V8.80097ZM25.3607 19.3197C25.3607 21.462 23.6236 23.2087 21.4717 23.2087H10.5283C8.38601 23.2087 6.63932 21.4717 6.63932 19.3197V11.0109C6.63932 10.7021 6.70688 10.4125 6.81303 10.1423L13.2786 17.4861C13.9638 18.2678 14.9481 18.7117 15.9903 18.7117C17.0229 18.7117 18.0169 18.2678 18.702 17.4861L25.0905 10.2388C25.0905 10.2388 25.1387 10.1713 25.1677 10.1327C25.2835 10.4029 25.351 10.7021 25.351 11.0109V19.3197H25.3607Z\" fill=\"#007680\"\/>\n<\/svg>                <\/a>\n            <\/li>\n            <\/ul>\n                <\/div>\n\n    <div class=\"article-hero__image anim anim-fade-up\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"1183\" height=\"887\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-2205852009.jpg\" class=\"attachment-full size-full\" alt=\"Vue a\u00e9rienne d&#039;une route traversant une for\u00eat dense compos\u00e9e principalement de conif\u00e8res. Trois v\u00e9hicules circulent sur la chauss\u00e9e dans un environnement naturel verdoyant. L&#039;image met en valeur les d\u00e9placements routiers, la mobilit\u00e9 automobile et l&#039;importance de prot\u00e9ger son v\u00e9hicule pour conserver sa tranquillit\u00e9 d&#039;esprit lors de ses d\u00e9placements.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-2205852009.jpg 1183w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-2205852009-300x225.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-2205852009-1024x768.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-2205852009-768x576.jpg 768w\" sizes=\"auto, (max-width: 1183px) 100vw, 1183px\" title=\"Vue a\u00e9rienne d&#039;une route traversant une for\u00eat dense compos\u00e9e principalement de conif\u00e8res. Trois v\u00e9hicules circulent sur la chauss\u00e9e dans un environnement naturel verdoyant. L&#039;image met en valeur les d\u00e9placements routiers, la mobilit\u00e9 automobile et l&#039;importance de prot\u00e9ger son v\u00e9hicule pour conserver sa tranquillit\u00e9 d&#039;esprit lors de ses d\u00e9placements.\" \/>    <\/div>\n\n            <div class=\"article-hero__back anim anim-fade-up\">\n            <a href=\"https:\/\/www.laturquoise.ca\/fr\/blogue\/\" class=\"article-hero__back-link\">\n                <svg class=\"article-hero__back-icon\" aria-hidden=\"true\" width=\"6\" height=\"11\">\n                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron-prev\"\/>\n                <\/svg>\n\n                Retour aux articles            <\/a>\n\n                            |<span class=\"article-hero__back-label\">Article <\/span>\n                    <\/div>\n    <\/section>\n\n\n<section class=\"article-summary container reveal\">\n    <nav class=\"article-summary__nav anim anim-fade-up\" aria-label=\"Sommaire de l\u2019article\"\n         data-article-summary>\n                    <h2 class=\"article-summary__title title-m\">\n                Dans cet article            <\/h2>\n        \n        <ol class=\"article-summary__list\" data-article-summary-list><\/ol>\n    <\/nav>\n<\/section>\n\n\n<div class=\"wp-block-columns article-layout container is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column article-content wysiwyg is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\"><strong>Qu\u2019est-ce que l\u2019assurance de remplacement, aussi appel\u00e9e formulaire de police du Qu\u00e9bec no 5 (FPQ 5)?<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019assurance de remplacement est une protection compl\u00e9mentaire qui peut aider \u00e0 compenser la d\u00e9pr\u00e9ciation d\u2019un v\u00e9hicule en cas de perte totale ou de vol, selon les conditions pr\u00e9vues au contrat. \u00a0 <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019assurance de remplacement est une protection compl\u00e9mentaire \u00e0 votre <a href=\"https:\/\/www.laturquoise.ca\/fr\/particuliers\/automobile\/\" data-type=\"link\" data-id=\"https:\/\/www.laturquoise.ca\/fr\/particuliers\/automobile\/\">assurance automobile au Qu\u00e9bec<\/a>. Elle peut aider \u00e0 compenser la d\u00e9pr\u00e9ciation d\u2019un v\u00e9hicule en cas de perte totale ou de vol, selon les conditions pr\u00e9vues au contrat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans cet article, vous verrez comment cette protection fonctionne, comment l\u2019indemnisation peut \u00eatre calcul\u00e9e et quels \u00e9l\u00e9ments v\u00e9rifier avant de prendre une d\u00e9cision.&nbsp;\n<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1254\" height=\"836\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/2271367400-Modifie.jpg\" alt=\"Vue d'une maison unifamiliale en brique avec garage double dans un quartier r\u00e9sidentiel. Un v\u00e9hicule utilitaire sport noir est stationn\u00e9 dans l'entr\u00e9e devant la r\u00e9sidence. L'am\u00e9nagement paysager comprend une pelouse, des arbres et des arbustes, sous un ciel bleu d\u00e9gag\u00e9. Cette sc\u00e8ne illustre l'utilisation quotidienne d'un v\u00e9hicule personnel et son importance pour les d\u00e9placements des m\u00e9nages.\" class=\"wp-image-6781\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/2271367400-Modifie.jpg 1254w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/2271367400-Modifie-300x200.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/2271367400-Modifie-1024x683.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/2271367400-Modifie-768x512.jpg 768w\" sizes=\"auto, (max-width: 1254px) 100vw, 1254px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Quelle est la diff\u00e9rence entre l\u2019assurance de remplacement et l\u2019assurance automobile de base?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Au Qu\u00e9bec, la garantie de remplacement (ou assurance de remplacement) est une protection compl\u00e9mentaire \u00e0 votre contrat d\u2019assurance automobile. En cas de vol ou de perte totale, elle vous permet de recevoir un montant d\u2019indemnisation plus \u00e9lev\u00e9 pour remplacer votre v\u00e9hicule.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019objectif est de limiter les pertes financi\u00e8res li\u00e9es \u00e0 la d\u00e9pr\u00e9ciation de la valeur de votre v\u00e9hicule.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Normalement, vous seriez uniquement indemnis\u00e9 selon ce que vaut le v\u00e9hicule au moment du sinistre. Ainsi, elle peut aider \u00e0 prot\u00e8ger l\u2019investissement que vous avez fait dans votre v\u00e9hicule.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Comment le montant de l\u2019indemnisation est-il calcul\u00e9?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Vous recevez un montant d\u00e9termin\u00e9 selon les modalit\u00e9s pr\u00e9vues au contrat et l\u2019\u00e9tat du v\u00e9hicule au moment de l\u2019achat.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>V\u00e9hicule neuf :<\/strong> Vous \u00eates indemnis\u00e9 selon la valeur d\u2019un v\u00e9hicule neuf similaire de l\u2019ann\u00e9e courante, sans d\u00e9pr\u00e9ciation appliqu\u00e9e.<\/li>\n\n\n\n<li><strong>V\u00e9hicule usag\u00e9 achet\u00e9 chez un marchand :<\/strong> Vous \u00eates indemnis\u00e9 selon le prix pay\u00e9 \u00e0 l\u2019achat, auquel s\u2019ajoute un pourcentage index\u00e9 pour chaque ann\u00e9e d\u2019utilisation.<\/li>\n\n\n\n<li><strong>V\u00e9hicule usag\u00e9 non achet\u00e9 chez un marchand :<\/strong> Vous pourriez avoir droit \u00e0 une bonification du montant de l\u2019indemnit\u00e9 de votre assureur primaire.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1254\" height=\"836\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-1446596057.jpg\" alt=\"Gros plan d'un bureau o\u00f9 se trouvent des documents, un porte-bloc, des cl\u00e9s de voiture et une miniature de v\u00e9hicule bleu. Une personne tient un stylo au-dessus des papiers pendant qu'une autre main est pos\u00e9e pr\u00e8s du mod\u00e8le r\u00e9duit. L'image \u00e9voque les d\u00e9marches administratives li\u00e9es \u00e0 l'achat, au financement ou \u00e0 la protection d'un v\u00e9hicule.\" class=\"wp-image-6783\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-1446596057.jpg 1254w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-1446596057-300x200.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-1446596057-1024x683.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-1446596057-768x512.jpg 768w\" sizes=\"auto, (max-width: 1254px) 100vw, 1254px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Que comprend l&rsquo;assurance de remplacement?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Aucune franchise en perte totale;<\/li>\n\n\n\n<li>Remboursement de franchise en perte partielle;<\/li>\n\n\n\n<li>V\u00e9hicule de courtoisie;<\/li>\n\n\n\n<li>Prime garantie;<\/li>\n\n\n\n<li>Dur\u00e9e de couverture disponible.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Quels types de v\u00e9hicules peuvent \u00eatre couverts par une assurance de remplacement au Qu\u00e9bec?<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"835\" height=\"1257\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-859632566.jpg\" alt=\"V\u00e9hicule r\u00e9cr\u00e9atif motoris\u00e9 stationn\u00e9 dans une for\u00eat aux couleurs de l'automne. De grands arbres aux feuillages jaunes, orang\u00e9s et verts entourent le v\u00e9hicule, tandis que le sol est recouvert de feuilles tomb\u00e9es. L'image repr\u00e9sente les d\u00e9placements en v\u00e9hicule de loisirs et les diff\u00e9rents types de v\u00e9hicules pouvant \u00eatre prot\u00e9g\u00e9s par une couverture adapt\u00e9e.\" class=\"wp-image-6782 size-full\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-859632566.jpg 835w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-859632566-199x300.jpg 199w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-859632566-680x1024.jpg 680w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-859632566-768x1156.jpg 768w\" sizes=\"auto, (max-width: 835px) 100vw, 835px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.laturquoise.ca\/fr\/particuliers\/automobile\/\">Assurance auto<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.laturquoise.ca\/fr\/particuliers\/motos-et-3-roues\/\" data-type=\"link\" data-id=\"https:\/\/www.laturquoise.ca\/fr\/particuliers\/motos-et-3-roues\/\">Assurance moto<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.laturquoise.ca\/fr\/particuliers\/motoneiges\/\">Assurance motoneige<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.laturquoise.ca\/fr\/particuliers\/vehicules-tout-terrain-vtt-quad-et-cote-a-cote\/\">Assurance VTT, quad et c\u00f4te-\u00e0-c\u00f4te<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.laturquoise.ca\/fr\/particuliers\/vehicules-recreatifs-vr\/\">Assurance VR<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.laturquoise.ca\/fr\/particuliers\/roulottes-tentes-roulottes-et-remorques\/\">Assurance roulotte et tentes-roulottes<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.laturquoise.ca\/fr\/particuliers\/caravanes-et-auto-caravanes\/\">Caravanes et autos-caravanes<\/a><\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Comment fonctionne l\u2019assurance de remplacement?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un v\u00e9hicule perd g\u00e9n\u00e9ralement de la valeur avec le temps. En cas de vol ou de perte totale, l\u2019indemnit\u00e9 de l\u2019assurance de base peut donc \u00eatre inf\u00e9rieure au montant n\u00e9cessaire pour le remplacer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La garantie de remplacement sert \u00e0 r\u00e9duire cet \u00e9cart, selon les conditions pr\u00e9vues au contrat. Son fonctionnement peut varier selon la situation.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>V\u00e9hicule r\u00e9cent :<\/strong> si le v\u00e9hicule est d\u00e9clar\u00e9 perte totale, sa valeur peut \u00eatre plus basse que le co\u00fbt d\u2019un v\u00e9hicule comparable. La protection peut limiter l\u2019impact de cette diff\u00e9rence.<\/li>\n\n\n\n<li><strong>V\u00e9hicule usag\u00e9 :<\/strong> l\u2019indemnisation varie selon les modalit\u00e9s pr\u00e9vues au contrat et les caract\u00e9ristiques du v\u00e9hicule assur\u00e9.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Avant de souscrire, il est important de v\u00e9rifier les protections incluses, les exclusions et les situations o\u00f9 la garantie s\u2019applique.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Garantie de remplacement ou valeur \u00e0 neuf?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En assurance automobile au Qu\u00e9bec, la valeur \u00e0 neuf (F.A.Q.43) est un avenant qui vous prot\u00e8ge aussi contre la d\u00e9pr\u00e9ciation. Les deux options ont un fonctionnement similaire, mais la garantie de remplacement (FPQ 5) offre ces avantages suppl\u00e9mentaires&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Contrat s\u00e9par\u00e9&nbsp;: La garantie n\u2019augmentera jamais le co\u00fbt de votre contrat d\u2019assurance principal.<\/li>\n\n\n\n<li>Prime fixe&nbsp;: Le co\u00fbt de cette garantie ne changera en aucun cas pendant toute la dur\u00e9e du contrat.<\/li>\n\n\n\n<li>Remboursement des franchises en cas de perte totale ou partielle.<\/li>\n\n\n\n<li>Extension du v\u00e9hicule de courtoisie.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurance\/assurance-auto\/valeur-a-neuf-et-assurance-de-remplacement\">Pour mieux comprendre les diff\u00e9rences entrela valeur \u00e0 neuf et l\u2019assurance de remplacement, consultez les explications de l\u2019Autorit\u00e9 des march\u00e9s financiers.<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De son c\u00f4t\u00e9, la valeur \u00e0 neuf (FAQ 43) offre l\u2019avantage de verser une indemnit\u00e9 sous forme de ch\u00e8que, ce qui vous laisse la possibilit\u00e9 de ne pas remplacer le v\u00e9hicule.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le co\u00fbt de cette garantie varie selon le mod\u00e8le et les caract\u00e9ristiques de votre v\u00e9hicule&nbsp;: une estimation personnalis\u00e9e est donc n\u00e9cessaire avant de pouvoir d\u00e9terminer un prix.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Comment savoir si l\u2019assurance de remplacement convient \u00e0 votre situation?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le choix entre l\u2019assurance de remplacement et d\u2019autres protections d\u00e9pend de votre v\u00e9hicule, de votre contrat et de vos besoins. Avant de souscrire, il est utile de comparer les protections, les exclusions et les modalit\u00e9s d\u2019indemnisation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.laturquoise.ca\/fr\/nous-joindre\/\" data-type=\"link\" data-id=\"https:\/\/www.laturquoise.ca\/fr\/nous-joindre\/\">Pour \u00e9valuer vos options, vous pouvez communiquer avec un courtier par t\u00e9l\u00e9phone ou par courriel.<\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:38%\">\n<div class=\"article-broker-tip reveal\">\n    <div class=\"article-broker-tip__icon anim anim-fade-up\" aria-hidden=\"true\">\n        <img src=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg\/dist\/article-broker-tip-icon.svg\" width=\"51\" height=\"52\" alt=\"\" loading=\"lazy\" decoding=\"async\">    <\/div>\n\n            <div class=\"article-broker-tip__content wysiwyg anim anim-fade-up\">\n            <h2>Conseil du courtier<\/h2>\n<p>Avant de souscrire une garantie de remplacement, comparez les protections offertes, les exclusions et le co\u00fbt total du contrat. Votre courtier peut vous aider \u00e0 comprendre les diff\u00e9rences entre les options disponibles.<\/p>\n        <\/div>\n    <\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<section class=\"article-author container reveal\">\n    <div class=\"article-author__inner anim anim-fade-up\">\n        \n        <div class=\"article-author__content anim anim-fade-right\">\n                            <p class=\"article-author__label\">\n                    \u00c9crit par                <\/p>\n            \n                            <h2 class=\"article-author__name title-m\">\n                                            <a class=\"article-author__name-link\" href=\"https:\/\/www.laturquoise.ca\/fr\/auteurs\/cabinet-la-turquoise\/\">\n                            Cabinet La Turquoise                        <\/a>\n                                    <\/h2>\n            \n            \n                            <div class=\"article-author__bio wysiwyg\">\n                    <p>Les contenus sign\u00e9s Cabinet La Turquoise sont publi\u00e9s au nom de l&rsquo;organisation. Ils regroupent des actualit\u00e9s, des annonces, des communications et des articles informatifs portant sur l&rsquo;assurance, les services financiers ainsi que les initiatives qui fa\u00e7onnent notre quotidien. Cette signature permet de partager des informations pertinentes, claires et accessibles sur les sujets qui concernent notre client\u00e8le, nos partenaires et nos \u00e9quipes.<\/p>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/section><\/div>\n<\/div>\n\n\n\n<section class=\"cta-banner container reveal\">\n            <div class=\"cta-banner__content wysiwyg anim anim-fade-up\">\n            <h2>Trouvez la protection qu&rsquo;il vous faut<\/h2>\n<p>Communiquez avec un courtier pour obtenir une soumission personnalis\u00e9e et des conseils adapt\u00e9s \u00e0 votre situation.<\/p>\n        <\/div>\n    \n            <div class=\"cta-banner__actions anim anim-fade-up\">\n                            <div class=\"cta-banner__action\">\n                                            \n<div class=\"cta-dropdown\" data-cta-dropdown>\n    <button class=\"cta-dropdown__trigger btn btn--white-outlined-blue\" type=\"button\"\n            aria-expanded=\"false\" data-cta-dropdown-trigger>\n        Obtenir une soumission        <svg class=\"cta-dropdown__trigger-icon\" aria-hidden=\"true\" width=\"11\" height=\"6\">\n            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n        <\/svg>\n    <\/button>\n\n    <div class=\"cta-dropdown__panel\" data-cta-dropdown-panel>\n                    <p class=\"cta-dropdown__text\">\n                Contactez-nous pour une soumission            <\/p>\n        \n                    <div class=\"cta-dropdown__links\">\n                                    \n                    <a href=\"tel:18555722247\" class=\"cta-dropdown__link btn btn--white-outlined-blue\" aria-label=\"1.855.572.2247\"><span>1.855.572.2247<\/span><\/a>                                    \n                    <a href=\"https:\/\/laturquoise.ca\/fr\/nous-joindre\/\" class=\"cta-dropdown__link btn btn--blue-dark\" aria-label=\"Formulaire de contact\"><span>Formulaire de contact<\/span><\/a>                            <\/div>\n            <\/div>\n<\/div>                                    <\/div>\n            \n                            <div class=\"cta-banner__action\">\n                                            <a href=\"https:\/\/laturquoise.ca\/fr\/nous-joindre\/\" class=\"cta-banner__link btn btn--blue-dark\" aria-label=\"\u00c9crivez-nous\"><span>\u00c9crivez-nous<\/span><\/a>                                    <\/div>\n                    <\/div>\n    <\/section>\n\n\n\n<section class=\"needs-cards container reveal\">\n            <div class=\"needs-cards__content wysiwyg anim anim-fade-up\">\n            <h2>Des solutions d\u2019assurance pens\u00e9es pour votre quotidien<\/h2>\n<p>Parce que chaque situation est diff\u00e9rente, nous proposons des protections adapt\u00e9es \u00e0 votre r\u00e9alit\u00e9, qu\u2019il s\u2019agisse de vos biens, de vos activit\u00e9s ou de votre entreprise.<\/p>\n        <\/div>\n    \n            <ul class=\"needs-cards__list\">\n                            \n                <li class=\"needs-cards__item anim anim-fade-up\">\n                    <a class=\"need-card\" href=\"https:\/\/www.laturquoise.ca\/fr\/particuliers\/automobile\/\"\n                            >\n                                                    <div class=\"need-card__icon\" aria-hidden=\"true\">\n                                <img decoding=\"async\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/07\/icone_recadree.svg\" class=\"attachment-full size-full\" alt=\"Auto\" \/>                            <\/div>\n                        \n                        <h3 class=\"need-card__title title-m\">\n                            Automobile                        <\/h3>\n                    <\/a>\n                <\/li>\n                            \n                <li class=\"needs-cards__item anim anim-fade-up\">\n                    <a class=\"need-card\" href=\"https:\/\/www.laturquoise.ca\/fr\/particuliers\/vehicules-recreatifs-et-de-loisirs\/\"\n                            >\n                                                    <div class=\"need-card__icon\" aria-hidden=\"true\">\n                                <img decoding=\"async\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/05\/needs-cards-icon-3.svg\" class=\"attachment-full size-full\" alt=\"V\u00e9hicules r\u00e9cr\u00e9atifs et de loisirs\" \/>                            <\/div>\n                        \n                        <h3 class=\"need-card__title title-m\">\n                            V\u00e9hicules r\u00e9cr\u00e9atifs et de loisirs                        <\/h3>\n                    <\/a>\n                <\/li>\n                            \n                <li class=\"needs-cards__item anim anim-fade-up\">\n                    <a class=\"need-card\" href=\"https:\/\/www.laturquoise.ca\/fr\/particuliers\/\"\n                            >\n                                                    <div class=\"need-card__icon\" aria-hidden=\"true\">\n                                <img decoding=\"async\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/05\/personal-discounts-icon-2.svg\" class=\"attachment-full size-full\" alt=\"Particuliers\" \/>                            <\/div>\n                        \n                        <h3 class=\"need-card__title title-m\">\n                            Particuliers                        <\/h3>\n                    <\/a>\n                <\/li>\n                            \n                <li class=\"needs-cards__item anim anim-fade-up\">\n                    <a class=\"need-card\" href=\"https:\/\/www.laturquoise.ca\/fr\/entreprises\/\"\n                            >\n                                                    <div class=\"need-card__icon\" aria-hidden=\"true\">\n                                <img decoding=\"async\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/05\/needs-cards-icon-4.svg\" class=\"attachment-full size-full\" alt=\"Entreprises\" \/>                            <\/div>\n                        \n                        <h3 class=\"need-card__title title-m\">\n                            Entreprises                        <\/h3>\n                    <\/a>\n                <\/li>\n                    <\/ul>\n    <\/section>\n\n\n<section class=\"article-related container reveal\">\n            <h2 class=\"article-related__title title-l anim anim-fade-up\">\n            Autres articles qui pourraient vous int\u00e9resser        <\/h2>\n    \n    <ul class=\"article-related__list\">\n                    \n            <li class=\"article-related__item anim anim-fade-up\">\n                \n<article class=\"post-card article-related__card\">\n    <a class=\"post-card__overlay-link\"\n       href=\"https:\/\/www.laturquoise.ca\/fr\/fin-de-saison-agricole\/\"\n       aria-label=\"Lire l\u2019article : Fin de saison agricole\"><\/a>\n\n    <div class=\"post-card__media\">\n        \n        <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2285589250-1024x683.jpg\" class=\"img-cover\" alt=\"Vue a\u00e9rienne d\u2019une exploitation agricole au Qu\u00e9bec \u00e0 l\u2019automne, illustrant la planification des prochaines \u00e9tapes et la pr\u00e9paration de la prochaine saison.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2285589250-1024x683.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2285589250-300x200.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2285589250-768x512.jpg 768w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2285589250.jpg 1254w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" title=\"Vue a\u00e9rienne d\u2019une exploitation agricole au Qu\u00e9bec \u00e0 l\u2019automne, illustrant la planification des prochaines \u00e9tapes et la pr\u00e9paration de la prochaine saison.\" \/>    <\/div>\n\n    <div class=\"post-card__body\">\n                    <ul class=\"post-card__tags\" aria-label=\"Cat\u00e9gories\">\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/conseils-pratiques\/\">\n                            Conseils pratiques                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/couvertures-expliquees\/\">\n                            Couvertures expliqu\u00e9es                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/entreprises\/\">\n                            Entreprises                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/entreprises-agricoles\/\">\n                            Entreprises agricoles                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/la-turquoise\/\">\n                            La Turquoise                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/protections-expliquees\/\">\n                            Protections expliqu\u00e9es                        <\/a>\n                    <\/li>\n                            <\/ul>\n        \n        <h3 class=\"post-card__title title-m\">\n            Fin de saison agricole        <\/h3>\n\n        <div class=\"post-card__bottom\">\n            <div class=\"post-card__meta\">\n                <time class=\"post-card__date\" datetime=\"2026-08-24\">\n                    08\/24\/2026                <\/time>\n\n                                    <span class=\"post-card__meta-sep\" aria-hidden=\"true\"><\/span>\n                    <span class=\"post-card__read-time\">\n                        7 min                    <\/span>\n                            <\/div>\n\n                            <span class=\"post-card__arrow\" aria-hidden=\"true\">\n                    <svg class=\"post-card__arrow-icon\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                    <\/svg>\n                <\/span>\n                    <\/div>\n    <\/div>\n<\/article>            <\/li>\n                    \n            <li class=\"article-related__item anim anim-fade-up\">\n                \n<article class=\"post-card article-related__card\">\n    <a class=\"post-card__overlay-link\"\n       href=\"https:\/\/www.laturquoise.ca\/fr\/cyberattaques-en-pme-risques-et-assurance-cyber\/\"\n       aria-label=\"Lire l\u2019article : Cyberattaques en PME : comprendre les risques et le r\u00f4le de l\u2019assurance cyber\"><\/a>\n\n    <div class=\"post-card__media\">\n        \n        <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2220462827-1024x683.jpg\" class=\"img-cover\" alt=\"Employ\u00e9e analysant un \u00e9cran d\u2019ordinateur dans un contexte de cybers\u00e9curit\u00e9 en entreprise.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2220462827-1024x683.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2220462827-300x200.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2220462827-768x513.jpg 768w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2220462827.jpg 1254w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" title=\"Employ\u00e9e analysant un \u00e9cran d\u2019ordinateur dans un contexte de cybers\u00e9curit\u00e9 en entreprise.\" \/>    <\/div>\n\n    <div class=\"post-card__body\">\n                    <ul class=\"post-card__tags\" aria-label=\"Cat\u00e9gories\">\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/conseils-generaux\/\">\n                            Conseils g\u00e9n\u00e9raux                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/conseils-pratiques\/\">\n                            Conseils pratiques                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/couvertures-expliquees\/\">\n                            Couvertures expliqu\u00e9es                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/cybersecurite\/\">\n                            Cybers\u00e9curit\u00e9                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/entreprises\/\">\n                            Entreprises                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/la-turquoise\/\">\n                            La Turquoise                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/protections-expliquees\/\">\n                            Protections expliqu\u00e9es                        <\/a>\n                    <\/li>\n                            <\/ul>\n        \n        <h3 class=\"post-card__title title-m\">\n            Cyberattaques en PME : comprendre les risques et le r\u00f4le de l\u2019assurance cyber        <\/h3>\n\n        <div class=\"post-card__bottom\">\n            <div class=\"post-card__meta\">\n                <time class=\"post-card__date\" datetime=\"2026-08-23\">\n                    08\/23\/2026                <\/time>\n\n                                    <span class=\"post-card__meta-sep\" aria-hidden=\"true\"><\/span>\n                    <span class=\"post-card__read-time\">\n                        10 min                    <\/span>\n                            <\/div>\n\n                            <span class=\"post-card__arrow\" aria-hidden=\"true\">\n                    <svg class=\"post-card__arrow-icon\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                    <\/svg>\n                <\/span>\n                    <\/div>\n    <\/div>\n<\/article>            <\/li>\n                    \n            <li class=\"article-related__item anim anim-fade-up\">\n                \n<article class=\"post-card article-related__card\">\n    <a class=\"post-card__overlay-link\"\n       href=\"https:\/\/www.laturquoise.ca\/fr\/courtier-en-assurance-de-dommages-role-conseils-et-avantage\/\"\n       aria-label=\"Lire l\u2019article : Courtier en assurance de dommages au Qu\u00e9bec : r\u00f4le, avantages et diff\u00e9rences avec un assureur direct\"><\/a>\n\n    <div class=\"post-card__media\">\n        \n        <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"444\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-1462696665-e1787589260808-1024x444.jpg\" class=\"img-cover\" alt=\"Courti\u00e8re pr\u00e9sentant des documents d&#039;assurance \u00e0 un client lors d&#039;une rencontre de consultation.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-1462696665-e1787589260808-1024x444.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-1462696665-e1787589260808-300x130.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-1462696665-e1787589260808-768x333.jpg 768w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-1462696665-e1787589260808.jpg 1252w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" title=\"Courti\u00e8re pr\u00e9sentant des documents d&#039;assurance \u00e0 un client lors d&#039;une rencontre de consultation.\" \/>    <\/div>\n\n    <div class=\"post-card__body\">\n                    <ul class=\"post-card__tags\" aria-label=\"Cat\u00e9gories\">\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/automobile\/\">\n                            Automobile                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/conseils-generaux\/\">\n                            Conseils g\u00e9n\u00e9raux                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/cybersecurite\/\">\n                            Cybers\u00e9curit\u00e9                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/entreprises\/\">\n                            Entreprises                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/habitation\/\">\n                            Habitation                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/la-turquoise\/\">\n                            La Turquoise                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/particuliers\/\">\n                            Particuliers                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/vehicules-recreatifs-et-de-loisirs\/\">\n                            V\u00e9hicules r\u00e9cr\u00e9atifs et de loisirs                        <\/a>\n                    <\/li>\n                            <\/ul>\n        \n        <h3 class=\"post-card__title title-m\">\n            Courtier en assurance de dommages au Qu\u00e9bec : r\u00f4le, avantages et diff\u00e9rences avec un assureur direct        <\/h3>\n\n        <div class=\"post-card__bottom\">\n            <div class=\"post-card__meta\">\n                <time class=\"post-card__date\" datetime=\"2026-08-23\">\n                    08\/23\/2026                <\/time>\n\n                                    <span class=\"post-card__meta-sep\" aria-hidden=\"true\"><\/span>\n                    <span class=\"post-card__read-time\">\n                        4 min                    <\/span>\n                            <\/div>\n\n                            <span class=\"post-card__arrow\" aria-hidden=\"true\">\n                    <svg class=\"post-card__arrow-icon\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                    <\/svg>\n                <\/span>\n                    <\/div>\n    <\/div>\n<\/article>            <\/li>\n        \n            <\/ul>\n\n            <a href=\"https:\/\/www.laturquoise.ca\/fr\/blogue\/\" class=\"article-related__back btn btn--green anim anim-fade-up\">\n            <svg class=\"article-related__back-icon\" aria-hidden=\"true\" width=\"6\" height=\"11\">\n                <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron-prev\"\/>\n            <\/svg>\n\n            Retour aux articles        <\/a>\n    <\/section>","protected":false},"excerpt":{"rendered":"<p>L\u2019assurance de remplacement peut aider \u00e0 limiter les effets de la d\u00e9pr\u00e9ciation d\u2019un v\u00e9hicule en cas de perte totale ou de vol. D\u00e9couvrez son fonctionnement, les v\u00e9hicules admissibles et les diff\u00e9rences avec la valeur \u00e0 neuf.<\/p>\n","protected":false},"author":4,"featured_media":6784,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"[]"},"categories":[25,27,28,29,74,35,36,39],"tags":[],"class_list":["post-6779","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-automobile","category-conseils-generaux","category-conseils-pratiques","category-couvertures-expliquees","category-la-turquoise","category-particuliers","category-protections-expliquees","category-vehicules-recreatifs-et-de-loisirs"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Garantie de remplacement (CIME) &#8211; La Turquoise<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez le fonctionnement de l\u2019assurance de remplacement au Qu\u00e9bec, l\u2019indemnisation pr\u00e9vue et les diff\u00e9rences avec la valeur \u00e0 neuf.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.laturquoise.ca\/fr\/garantie-de-remplacement-cime\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Garantie de remplacement (CIME) &#8211; La Turquoise\" \/>\n<meta property=\"og:description\" content=\"D\u00e9couvrez le fonctionnement de l\u2019assurance de remplacement au Qu\u00e9bec, l\u2019indemnisation pr\u00e9vue et les diff\u00e9rences avec la valeur \u00e0 neuf.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.laturquoise.ca\/fr\/garantie-de-remplacement-cime\/\" \/>\n<meta property=\"og:site_name\" content=\"La Turquoise\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/CabinetLaTurquoise\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-08T16:23:32+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-08T18:06:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-2205852009.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1183\" \/>\n\t<meta property=\"og:image:height\" content=\"887\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"R\u00e9becca Rousseau\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"R\u00e9becca Rousseau\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.laturquoise.ca\\\/fr\\\/garantie-de-remplacement-cime\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.laturquoise.ca\\\/fr\\\/garantie-de-remplacement-cime\\\/\"},\"author\":{\"name\":\"R\u00e9becca Rousseau\",\"@id\":\"https:\\\/\\\/www.laturquoise.ca\\\/fr\\\/#\\\/schema\\\/person\\\/66f777fdff869014c7e0c4e1bbdc2a25\"},\"headline\":\"Garantie de remplacement CIME\",\"datePublished\":\"2026-09-08T16:23:32+00:00\",\"dateModified\":\"2026-09-08T18:06:33+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.laturquoise.ca\\\/fr\\\/garantie-de-remplacement-cime\\\/\"},\"wordCount\":839,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.laturquoise.ca\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.laturquoise.ca\\\/fr\\\/garantie-de-remplacement-cime\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.laturquoise.ca\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/iStock-2205852009.jpg\",\"articleSection\":[\"Automobile\",\"Conseils g\u00e9n\u00e9raux\",\"Conseils pratiques\",\"Couvertures expliqu\u00e9es\",\"La Turquoise\",\"Particuliers\",\"Protections expliqu\u00e9es\",\"V\u00e9hicules r\u00e9cr\u00e9atifs et de loisirs\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.laturquoise.ca\\\/fr\\\/garantie-de-remplacement-cime\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.laturquoise.ca\\\/fr\\\/garantie-de-remplacement-cime\\\/\",\"url\":\"https:\\\/\\\/www.laturquoise.ca\\\/fr\\\/garantie-de-remplacement-cime\\\/\",\"name\":\"Garantie de remplacement (CIME) &#8211; La Turquoise\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.laturquoise.ca\\\/fr\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.laturquoise.ca\\\/fr\\\/garantie-de-remplacement-cime\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.laturquoise.ca\\\/fr\\\/garantie-de-remplacement-cime\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.laturquoise.ca\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/iStock-2205852009.jpg\",\"datePublished\":\"2026-09-08T16:23:32+00:00\",\"dateModified\":\"2026-09-08T18:06:33+00:00\",\"description\":\"D\u00e9couvrez le fonctionnement de l\u2019assurance de remplacement au Qu\u00e9bec, l\u2019indemnisation pr\u00e9vue et les diff\u00e9rences avec la valeur \u00e0 neuf.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.laturquoise.ca\\\/fr\\\/garantie-de-remplacement-cime\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.laturquoise.ca\\\/fr\\\/garantie-de-remplacement-cime\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.laturquoise.ca\\\/fr\\\/garantie-de-remplacement-cime\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.laturquoise.ca\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/iStock-2205852009.jpg\",\"contentUrl\":\"https:\\\/\\\/www.laturquoise.ca\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/iStock-2205852009.jpg\",\"width\":1183,\"height\":887,\"caption\":\"Aerial top view of highway asphalt road with cars driving and green summer woods.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.laturquoise.ca\\\/fr\\\/garantie-de-remplacement-cime\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.laturquoise.ca\\\/fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Garantie de remplacement CIME\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.laturquoise.ca\\\/fr\\\/#website\",\"url\":\"https:\\\/\\\/www.laturquoise.ca\\\/fr\\\/\",\"name\":\"La Turquoise\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.laturquoise.ca\\\/fr\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.laturquoise.ca\\\/fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.laturquoise.ca\\\/fr\\\/#organization\",\"name\":\"La Turquoise\",\"url\":\"https:\\\/\\\/www.laturquoise.ca\\\/fr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.laturquoise.ca\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.laturquoise.ca\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/logo.svg\",\"contentUrl\":\"https:\\\/\\\/www.laturquoise.ca\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/logo.svg\",\"width\":1,\"height\":1,\"caption\":\"La Turquoise\"},\"image\":{\"@id\":\"https:\\\/\\\/www.laturquoise.ca\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/CabinetLaTurquoise\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/la-turquoise-cabinet-en-assurance-de-dommages\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.laturquoise.ca\\\/fr\\\/#\\\/schema\\\/person\\\/66f777fdff869014c7e0c4e1bbdc2a25\",\"name\":\"R\u00e9becca Rousseau\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.laturquoise.ca\\\/wp-content\\\/litespeed\\\/avatar\\\/c61d5159c1e343d92caba74716244359.jpg?ver=1788363323\",\"url\":\"https:\\\/\\\/www.laturquoise.ca\\\/wp-content\\\/litespeed\\\/avatar\\\/c61d5159c1e343d92caba74716244359.jpg?ver=1788363323\",\"contentUrl\":\"https:\\\/\\\/www.laturquoise.ca\\\/wp-content\\\/litespeed\\\/avatar\\\/c61d5159c1e343d92caba74716244359.jpg?ver=1788363323\",\"caption\":\"R\u00e9becca Rousseau\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Garantie de remplacement (CIME) &#8211; La Turquoise","description":"D\u00e9couvrez le fonctionnement de l\u2019assurance de remplacement au Qu\u00e9bec, l\u2019indemnisation pr\u00e9vue et les diff\u00e9rences avec la valeur \u00e0 neuf.","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:\/\/www.laturquoise.ca\/fr\/garantie-de-remplacement-cime\/","og_locale":"fr_FR","og_type":"article","og_title":"Garantie de remplacement (CIME) &#8211; La Turquoise","og_description":"D\u00e9couvrez le fonctionnement de l\u2019assurance de remplacement au Qu\u00e9bec, l\u2019indemnisation pr\u00e9vue et les diff\u00e9rences avec la valeur \u00e0 neuf.","og_url":"https:\/\/www.laturquoise.ca\/fr\/garantie-de-remplacement-cime\/","og_site_name":"La Turquoise","article_publisher":"https:\/\/www.facebook.com\/CabinetLaTurquoise","article_published_time":"2026-09-08T16:23:32+00:00","article_modified_time":"2026-09-08T18:06:33+00:00","og_image":[{"width":1183,"height":887,"url":"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-2205852009.jpg","type":"image\/jpeg"}],"author":"R\u00e9becca Rousseau","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"R\u00e9becca Rousseau","Dur\u00e9e de lecture estim\u00e9e":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.laturquoise.ca\/fr\/garantie-de-remplacement-cime\/#article","isPartOf":{"@id":"https:\/\/www.laturquoise.ca\/fr\/garantie-de-remplacement-cime\/"},"author":{"name":"R\u00e9becca Rousseau","@id":"https:\/\/www.laturquoise.ca\/fr\/#\/schema\/person\/66f777fdff869014c7e0c4e1bbdc2a25"},"headline":"Garantie de remplacement CIME","datePublished":"2026-09-08T16:23:32+00:00","dateModified":"2026-09-08T18:06:33+00:00","mainEntityOfPage":{"@id":"https:\/\/www.laturquoise.ca\/fr\/garantie-de-remplacement-cime\/"},"wordCount":839,"commentCount":0,"publisher":{"@id":"https:\/\/www.laturquoise.ca\/fr\/#organization"},"image":{"@id":"https:\/\/www.laturquoise.ca\/fr\/garantie-de-remplacement-cime\/#primaryimage"},"thumbnailUrl":"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-2205852009.jpg","articleSection":["Automobile","Conseils g\u00e9n\u00e9raux","Conseils pratiques","Couvertures expliqu\u00e9es","La Turquoise","Particuliers","Protections expliqu\u00e9es","V\u00e9hicules r\u00e9cr\u00e9atifs et de loisirs"],"inLanguage":"fr-FR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.laturquoise.ca\/fr\/garantie-de-remplacement-cime\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.laturquoise.ca\/fr\/garantie-de-remplacement-cime\/","url":"https:\/\/www.laturquoise.ca\/fr\/garantie-de-remplacement-cime\/","name":"Garantie de remplacement (CIME) &#8211; La Turquoise","isPartOf":{"@id":"https:\/\/www.laturquoise.ca\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.laturquoise.ca\/fr\/garantie-de-remplacement-cime\/#primaryimage"},"image":{"@id":"https:\/\/www.laturquoise.ca\/fr\/garantie-de-remplacement-cime\/#primaryimage"},"thumbnailUrl":"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-2205852009.jpg","datePublished":"2026-09-08T16:23:32+00:00","dateModified":"2026-09-08T18:06:33+00:00","description":"D\u00e9couvrez le fonctionnement de l\u2019assurance de remplacement au Qu\u00e9bec, l\u2019indemnisation pr\u00e9vue et les diff\u00e9rences avec la valeur \u00e0 neuf.","breadcrumb":{"@id":"https:\/\/www.laturquoise.ca\/fr\/garantie-de-remplacement-cime\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.laturquoise.ca\/fr\/garantie-de-remplacement-cime\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.laturquoise.ca\/fr\/garantie-de-remplacement-cime\/#primaryimage","url":"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-2205852009.jpg","contentUrl":"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-2205852009.jpg","width":1183,"height":887,"caption":"Aerial top view of highway asphalt road with cars driving and green summer woods."},{"@type":"BreadcrumbList","@id":"https:\/\/www.laturquoise.ca\/fr\/garantie-de-remplacement-cime\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.laturquoise.ca\/fr\/"},{"@type":"ListItem","position":2,"name":"Garantie de remplacement CIME"}]},{"@type":"WebSite","@id":"https:\/\/www.laturquoise.ca\/fr\/#website","url":"https:\/\/www.laturquoise.ca\/fr\/","name":"La Turquoise","description":"","publisher":{"@id":"https:\/\/www.laturquoise.ca\/fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.laturquoise.ca\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/www.laturquoise.ca\/fr\/#organization","name":"La Turquoise","url":"https:\/\/www.laturquoise.ca\/fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.laturquoise.ca\/fr\/#\/schema\/logo\/image\/","url":"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/05\/logo.svg","contentUrl":"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/05\/logo.svg","width":1,"height":1,"caption":"La Turquoise"},"image":{"@id":"https:\/\/www.laturquoise.ca\/fr\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/CabinetLaTurquoise","https:\/\/www.linkedin.com\/company\/la-turquoise-cabinet-en-assurance-de-dommages\/"]},{"@type":"Person","@id":"https:\/\/www.laturquoise.ca\/fr\/#\/schema\/person\/66f777fdff869014c7e0c4e1bbdc2a25","name":"R\u00e9becca Rousseau","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.laturquoise.ca\/wp-content\/litespeed\/avatar\/c61d5159c1e343d92caba74716244359.jpg?ver=1788363323","url":"https:\/\/www.laturquoise.ca\/wp-content\/litespeed\/avatar\/c61d5159c1e343d92caba74716244359.jpg?ver=1788363323","contentUrl":"https:\/\/www.laturquoise.ca\/wp-content\/litespeed\/avatar\/c61d5159c1e343d92caba74716244359.jpg?ver=1788363323","caption":"R\u00e9becca Rousseau"}}]}},"_links":{"self":[{"href":"https:\/\/www.laturquoise.ca\/fr\/wp-json\/wp\/v2\/posts\/6779","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.laturquoise.ca\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.laturquoise.ca\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.laturquoise.ca\/fr\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.laturquoise.ca\/fr\/wp-json\/wp\/v2\/comments?post=6779"}],"version-history":[{"count":5,"href":"https:\/\/www.laturquoise.ca\/fr\/wp-json\/wp\/v2\/posts\/6779\/revisions"}],"predecessor-version":[{"id":6799,"href":"https:\/\/www.laturquoise.ca\/fr\/wp-json\/wp\/v2\/posts\/6779\/revisions\/6799"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.laturquoise.ca\/fr\/wp-json\/wp\/v2\/media\/6784"}],"wp:attachment":[{"href":"https:\/\/www.laturquoise.ca\/fr\/wp-json\/wp\/v2\/media?parent=6779"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.laturquoise.ca\/fr\/wp-json\/wp\/v2\/categories?post=6779"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.laturquoise.ca\/fr\/wp-json\/wp\/v2\/tags?post=6779"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}