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            "content": "<p>L'assurance MRI de la résidence est confiée à une filiale de Citya. Le coût annuel (2025) est de 1549€.<\/p><p>D'après le contrat en ma possession, il est indiqué en page 8 \"Le contrat se renouvellera d'année en année, sauf dénonciation de votre part, au moins 2 mois avant la date d'échéance annuelle, le cachet de La Poste faisant foi.\"<\/p><p>Le contrat a une date d'effet au 22\/11\/2022 ; il faut donc le résilier le 21\/09\/2025 au plus tard.<\/p><p>Pouvez-vous nous faire une proposition pour remplacer ce fournisseur à des conditions économiques plus avantageuses ?<\/p>",
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            "date": "2025-10-12T07:55:03Z",
            "content": "<p>Pour mémoire :<\/p><ul><li><p>Courrier de résiliation auprès de Saint Pierre Assurances (Allianz) en date du 06\/10\/25<a class=\"ipsAttachLink\" data-fileid=\"1119\" href=\"https:\/\/www.residence-alba.fr\/applications\/core\/interface\/file\/attachment.php?id=1119&amp;key=ba4b3b00675ff5e3dc71bf2da0078800\" data-fileext=\"pdf\" rel=\"\">RESILIATION ASSURANCES.pdf<\/a><\/p><\/li><li><p>Courrier d'adhésion auprès de Verspieren <a class=\"ipsAttachLink\" data-fileid=\"1118\" href=\"https:\/\/www.residence-alba.fr\/applications\/core\/interface\/file\/attachment.php?id=1118&amp;key=35df4dde288fa152c381e8ef52ce3f70\" data-fileext=\"PDF\" rel=\"\">ASSURANCE MRI début 01_26.PDF<\/a><\/p><\/li><\/ul>",
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            "content": "<p>L'assurance MRI de la résidence est confiée à une filiale de Citya. Le coût annuel (2025) est de 1549€.<\/p><p>D'après le contrat en ma possession, il est indiqué en page 8 \"Le contrat se renouvellera d'année en année, sauf dénonciation de votre part, au moins 2 mois avant la date d'échéance annuelle, le cachet de La Poste faisant foi.\"<\/p><p>Le contrat a une date d'effet au 22\/11\/2022 ; il faut donc le résilier le 21\/09\/2025 au plus tard.<\/p><p>Pouvez-vous nous faire une proposition pour remplacer ce fournisseur à des conditions économiques plus avantageuses ?<\/p>",
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            "date": "2025-07-04T11:39:26Z",
            "content": "<p>Ci dessous le retour de notre partenaire en assurances le cabinet TETARD.<\/p><p>Il s'agit d'un premier jet, il y a certainement des informations reprises par défaut à modifier dans le contrat, et le tarif n'est pas assez avantageux je trouve.<\/p><p>Je lui demande de revoir sa copie. <\/p><p>Afin de ne pas rater le coche, est ce que nous résilions dès maintenant l'assureur actuel via St Pierre ? <\/p><p><a class=\"ipsAttachLink\" data-fileid=\"1038\" href=\"https:\/\/www.residence-alba.fr\/applications\/core\/interface\/file\/attachment.php?id=1038&amp;key=f39379457b570ad97c36d7f3859cc45a\" data-fileext=\"pdf\" rel=\"\">Projet Assurance MRI Res Alba  - 62243826.pdf<\/a><\/p>",
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            "content": "<p>Avez vous pu prendre connaissance de cette première proposition de contrat reçue de TETARD ASSURANCES ?<\/p><p>En ce qui concerne le contrat actuel avec Saint Pierre Assurance, la date d'échéance annuelle étant fixée au 1er Janvier, nous avons jusqu'au 31\/10 pour résilier.<\/p>",
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            "date": "2025-07-30T10:10:26Z",
            "content": "<p>Oui j'ai regardé le contrat mais le tarif est quasi identique à celui de Saint Pierre. Vous deviez revoir ce point.<\/p><p>Cependant je ne suis pas un spécialiste des contrats MRI, je ne peux notamment pas identifier si la proposition est intéressante dans l'absolu ni en comparaison de celle de Saint Pierre.<\/p><p>Travaillez vous avec d'autres sociétés d'assurances pour obtenir d'autres devis ?<\/p>",
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            "date": "2025-07-30T10:36:00Z",
            "content": "<p>Je n'ai pas encore eu de retour de M. Tétard sur le prix mais ça ne devrait pas tarder.<\/p><p>Nous travaillons également avec Verspieren, nous les consultons.<\/p>",
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            "date": "2025-08-01T14:30:45Z",
            "content": "<p>Retour du courtier TETARD :<\/p><blockquote class=\"ipsQuote\" cite=\"\" data-ipsquote=\"\"><div class=\"ipsQuote_contents\" data-ipstruncate=\"\"><p><em>Malheureusement j’avais demandé une dérogation et nous sommes au mini du mini, ci-dessous ; <\/em><\/p><p><em>1 500 Eur TTC \/ an pour 1 800 M2 soit 0.83 Cts \/ M2. <\/em><\/p><p><em>Notre offre est sans franchise générale, alors que le contrat actuel SMABT intégre des franchises notamment en DDE à +\/- 270 Eur.<\/em><\/p><\/div><\/blockquote>",
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            "content": "<p>Avez-vous reçu un retour de Verspieren ?<\/p>",
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            "date": "2025-08-20T15:16:51Z",
            "content": "<p>Réponse réceptionnée ce jour de VERSPIEREN :<\/p><blockquote class=\"ipsQuote\" cite=\"\" data-ipsquote=\"\"><div class=\"ipsQuote_contents\" data-ipstruncate=\"\"><p><span style='font-family: \"Arial\", \"Helvetica\", sans-serif'>Bonjour Monsieur SIKORA,<br>Nous faisons suite à votre demande d’appel d’offres concernant l’affaire citée en référence et vous en remercions.<\/span><\/p><p><u><span style='font-family: \"Arial\", \"Helvetica\", sans-serif'>Objet<\/span><\/u><span style='font-family: \"Arial\", \"Helvetica\", sans-serif'> : appel d’offres contrat assurance <\/span><strong><span style='font-family: \"Arial\", \"Helvetica\", sans-serif'>SDC  ALBA<\/span><\/strong><\/p><p><u><span style='font-family: \"Arial\", \"Helvetica\", sans-serif'>Adresse du risque<\/span><\/u><span style='font-family: \"Arial\", \"Helvetica\", sans-serif'> : 4 RUE SIMONE DE BEAUVOIR 59810 LESQUIN<\/span><\/p><p><u><span style='font-family: \"Arial\", \"Helvetica\", sans-serif'>Surface :<\/span><\/u><span style='font-family: \"Arial\", \"Helvetica\", sans-serif'>  1800m2 <br><br>Pour cette affaire, la compagnie Allianz a accepté de se positionner à ces conditions (cf. pj) :<br><br><\/span><strong><u><span style='font-family: \"Arial\", \"Helvetica\", sans-serif'>Prime TTC annuelle :<\/span><\/u><\/strong><span style='font-family: \"Arial\", \"Helvetica\", sans-serif'> 1400,00 €<\/span><strong><span style='font-family: \"Arial\", \"Helvetica\", sans-serif'> € <\/span><\/strong><span style='font-family: \"Arial\", \"Helvetica\", sans-serif'><br><\/span><strong><u><span style='font-family: \"Arial\", \"Helvetica\", sans-serif'>Disposition particulière :<\/span><\/u><span style='font-family: \"Arial\", \"Helvetica\", sans-serif'> Franchise générale néant<\/span><\/strong><span style='font-family: \"Arial\", \"Helvetica\", sans-serif'><br><\/span><strong><u><span style='font-family: \"Arial\", \"Helvetica\", sans-serif'>Limite contractuelle d’indemnité :<\/span><\/u><span style='font-family: \"Arial\", \"Helvetica\", sans-serif'>  19 900 000 €<\/span><\/strong><\/p><p><strong><u><span style='font-family: \"Arial\", \"Helvetica\", sans-serif'>Niveau de garanties<\/span><\/u><span style='font-family: \"Arial\", \"Helvetica\", sans-serif'> : conditions compagnie complétées de l’intercalaire « Securimo + GOLD»<\/span><\/strong><\/p><p><strong><u><span style='font-family: \"Arial\", \"Helvetica\", sans-serif'>Option PJ avec recouvrement de créance :<\/span><\/u><\/strong><span style='font-family: \"Arial\", \"Helvetica\", sans-serif'> 180,00<\/span><strong><span style='font-family: \"Arial\", \"Helvetica\", sans-serif'> €<\/span><\/strong><\/p><p><span style='font-family: \"Arial\", \"Helvetica\", sans-serif'>En cas d’intérêt du Conseil Syndical pour l’accord obtenu, nous vous remercions de bien vouloir nous retourner :<\/span><\/p><ul><li><p><span style='font-family: \"Arial\", \"Helvetica\", sans-serif'>la proposition jointe munie de 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            "date": "2025-08-23T09:27:25Z",
            "content": "<p>D'un point de vue strictement économique, cette proposition est la plus intéressante.<\/p><p>Cependant, en la matière, le diable se cache dans les détails.<\/p><p>Or il est difficile de comparer les 2 offres.<\/p><p>Avec votre expérience, quelle offre conseillez-vous et sur la base de quels critères ?<\/p><p>Par ailleurs, il est mentionné dans l'offre \"L’adhérent déclare que le risque a subi ou occasionné, au cours des 36 derniers mois, 1 sinistre (s) Pour un montant de : 0,00 €\". A quel évènement est-il fait référence ?<\/p><p>Enfin, je reste circonspect quant à la pertinence de l'assurance complémentaire \"GARANTIE PROTECTION JURIDIQUE avec Recouvrement des Charges Impayées\". Citya avait tenté de nous proposer ce genre de \"truc\" lors de la dernière AG. A disposition pour en discuter.<\/p>",
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            "date": "2025-09-14T08:12:08Z",
            "content": "<p>J'ai écouté attentivement le podcast d'Adrien Vacherand au sujet de l'assurance MRI. <\/p><p>Il me semble que les questions que je pose sont pertinentes au regard de son intervention. <\/p><p>Pouvez-vous me revenir à ce sujet et m'indiquer, sur la base de votre expérience, l'offre qui vous semble la plus pertinente pour la résidence ?<\/p>",
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            "date": "2025-09-26T14:15:26Z",
            "content": "<p>Concernant le sinistre déclaré, il s'agit du dégât des eaux en date du 20\/05\/2025 (bouchon canalisation).<\/p><p>Au sujet de l'assurance complémentaire \"GARANTIE PROTECTION JURIDIQUE avec Recouvrement des Charges Impayées\" : elle est surtout intéressante en fonction de la typologie des copropriétaires, avez vous déjà eu beaucoup de problèmes d'impayés sur les années antérieures ?<\/p><p>Personnellement je partirai sur la proposition la moins chère, soit celle de VERSPIEREN.<\/p><p><\/p><p><\/p><p><\/p>",
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            "content": "<p>Suite à nos échanges, je prends note que les 2 sociétés offrent des prestations identiques et un fonctionnement similaire. Par conséquent, le choix se fait sur l'apsect financier.<\/p><p>L'offre de Verspieren étant la plus avantageuse, je vous remercie :<\/p><ol><li><p>de bien vouloir procéder à la résiliation de l'assurance Saint Pierre Assurance avant le 31\/10\/25<\/p><\/li><li><p>souscrire l'offre Verspieren pour un démarrage au 1er janvier 2026<\/p><\/li><\/ol>",
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            "date": "2025-10-06T10:11:32Z",
            "content": "<p>Bien noté, nous faisons le nécessaire pour résilier ST PIERRE et souscrire VERSPIEREN au 01\/01\/2026. Le contrat sera chargé sur l'extranet client.<\/p>",
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            "date": "2025-10-12T07:55:03Z",
            "content": "<p>Pour mémoire :<\/p><ul><li><p>Courrier de résiliation auprès de Saint Pierre Assurances (Allianz) en date du 06\/10\/25<a class=\"ipsAttachLink\" data-fileid=\"1119\" href=\"https:\/\/www.residence-alba.fr\/applications\/core\/interface\/file\/attachment.php?id=1119&amp;key=ba4b3b00675ff5e3dc71bf2da0078800\" data-fileext=\"pdf\" rel=\"\">RESILIATION ASSURANCES.pdf<\/a><\/p><\/li><li><p>Courrier d'adhésion auprès de Verspieren <a class=\"ipsAttachLink\" data-fileid=\"1118\" href=\"https:\/\/www.residence-alba.fr\/applications\/core\/interface\/file\/attachment.php?id=1118&amp;key=35df4dde288fa152c381e8ef52ce3f70\" data-fileext=\"PDF\" rel=\"\">ASSURANCE MRI début 01_26.PDF<\/a><\/p><\/li><\/ul>",
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