{"id":26044,"date":"2019-10-20T16:20:24","date_gmt":"2019-10-20T16:20:24","guid":{"rendered":"http:\/\/consumerinsight.eu\/marketingisdead\/?p=26044"},"modified":"2019-10-20T17:19:41","modified_gmt":"2019-10-20T17:19:41","slug":"visa-assurances-lassureur-qui-nassure-pas","status":"publish","type":"post","link":"http:\/\/consumerinsight.eu\/marketingisdead\/visa-assurances-lassureur-qui-nassure-pas\/","title":{"rendered":"Visa assurances, l\u2019assureur qui n\u2019assure pas"},"content":{"rendered":"\n

Aux cartes Visa<\/strong> \u00ab haut de\ngamme \u00bb<\/em> \u2013 Premier, Platinum<\/em>\n\u2013 sont associ\u00e9s divers services comme une assurance couvrant les accidents\nsurvenus avec une voiture de location ; et comme la soci\u00e9t\u00e9 Visa Europe France<\/em> n\u2019est pas elle-m\u00eame\nun assureur, cette derni\u00e8re garantie est sous-trait\u00e9e aupr\u00e8s d\u2019Axa France IARD <\/em>via son courtier CWI<\/em>, filiale de l\u2019am\u00e9ricain Assurant<\/em> \u2026 \u00e7a en fait du monde !<\/p>\n\n\n\n

Apr\u00e8s mes probl\u00e8mes Zambiens<\/a> \u2013 merci Google<\/em> ! \u2013, je remplis le dossier idoine sur le site de Visa\nassurances ; quelques jours plus tard, \u00ab demande<\/em>de pi\u00e8ce(s) manquante(s) \u00bb<\/em> de CWI, r\u00e9clamant : \u00ab la facture, le devis des r\u00e9parations\nou le rapport d’expertise. Si la soci\u00e9t\u00e9 de location applique un forfait, la\ncopie du bar\u00e8me de tarification des dommages. Les loueurs ne sont g\u00e9n\u00e9ralement\npas r\u00e9parateurs, et par cons\u00e9quent non habilit\u00e9s aux r\u00e9parations. Nous avons\nbesoin du document d\u00e9livr\u00e9 par un organisme habilit\u00e9 aux r\u00e9parations de\nv\u00e9hicule sur lequel le loueur s’est bas\u00e9 pour vous refacturer le dommage au\nv\u00e9hicule \u00bb.<\/em><\/p>\n\n\n\n

\"\"<\/figure><\/div>\n\n\n\n

Traduction possible : Europcar\nZambie sont des escrocs auxquels on ne peut accorder la moindre confiance, ils\ntruquent certainement les factures.<\/p>\n\n\n\n

Autre traduction : essayez donc\nde demander par mail \u00e0 un correspondant zambien un tel \u00ab document d\u00e9livr\u00e9 par un organisme habilit\u00e9\naux r\u00e9parations de v\u00e9hicule \u00bb <\/em>: mission impossible \u2026 et\nd\u00e9couragement certain !<\/p>\n\n\n\n

Un petit tour sur les forums se\nr\u00e9v\u00e8le \u00e9difiant : car la r\u00e9putation du courtier n\u2019est plus \u00e0 faire !\nQue ce soit comme sous-traitant pour Visa<\/a> ou dans l\u2019assurance t\u00e9l\u00e9phone mobile<\/a> t\u00e9l\u00e9phone : ils font tout pour\nne jamais payer, misant sur le d\u00e9couragement des clients.<\/p>\n\n\n\n

Je les renvoie donc par retour de\nmail aux termes de la \u00ab notice d\u2019information\nvalant Conditions G\u00e9n\u00e9rales \u00bb<\/em> pr\u00e9cisant les documents n\u00e9cessaires pour\n\u00eatre rembours\u00e9 : la liste des d\u00e9j\u00e0 suffisamment longue \u2026<\/p>\n\n\n\n

Et pour faire bonne mesure, je\nm\u2019\u00e9panche sur Twitter en impliquant Axa \u2013 qui me demande aussit\u00f4t un r\u00e9sum\u00e9 des\nfaits \u2013 et pr\u00e9viens \u00e9galement ma banque \u2013 qui m\u2019a \u00ab vendu \u00bb<\/em> la carte Visa et ses services. <\/p>\n\n\n\n

R\u00e9ponse sous huitaine de CWI : \u00ab Nous regrettons la mauvaise\nimpression que vous avez pu ressentir lors de la gestion de votre dossier\nsinistre \u00bb<\/em>  \u2013 sans blague ! \u2013 et nous vous\nremboursons \u2026 sauf \u00ab les frais de\nrecouvrement administratif \u00bb<\/em>.<\/p>\n\n\n\n

Les frais de recouvrement\nadministratif : mais quels frais de recouvrement administratif ? <\/p>\n\n\n\n

La facture du loueur comprend 3\npostes regroup\u00e9s sous la rubrique \u00ab Being\ncharge for damages \u00bb<\/em> : la r\u00e9paration d\u2019une roue endommag\u00e9e, celle du\npot d\u2019\u00e9chappement et le remplacement du v\u00e9hicule, en anglais \u00ab Admin and Recovery fee \u00bb<\/em>  \u2026 ce que CWI va s\u2019empresser de traduire par \u00ab frais de recouvrement\nadministratif \u00bb<\/em>, histoire de ne pas payer.<\/p>\n\n\n\n

Nouveau mail assez \u00e9nerv\u00e9 de ma part \u2013 \u00ab Manifestement vous parlez un aussi mauvais anglais que vous \u00eates de mauvaise fois \u00bb<\/em> \u2013 et o\u00f9 je les renvoie \u00e0 linguee<\/a> et  autres reverso<\/a>.<\/p>\n\n\n\n

R\u00e9ponse : \u00ab Nous vous informons que le dossier a fait l\u2019objet de multiples\nr\u00e9clamations au sein de notre service et que toutes les voies de recours en\nnotre qualit\u00e9 de courtier ont \u00e9t\u00e9 \u00e9puis\u00e9es \u00bb<\/em>.<\/p>\n\n\n\n

Traduction : nous ne savons\nplus comment vous arnaquer, donc circulez, il n\u2019y a plus rien \u00e0 voir ???<\/p>\n\n\n\n

Nouveau tweet rageur : \u00ab CWI courtier @AXAFrance pour @Visa_Fr\nPremier refuse de rembourser mes frais de d\u00e9pannage voiture location pr\u00e9vus\ncontrat @AXA_FRANCE dit suivre le dossier mais ne fait rien @Visa_Fr Premier\ns\u2019en lave les mains Informerai avancement dossier tous les jours\n@FFA_assurance \u00bb.<\/em><\/p>\n\n\n\n

R\u00e9ponse @AXAFrance <\/em>: \u00ab Je\ncomprends votre impatience, sachez que nous sommes toujours dans l’attente du\nservice concern\u00e9 \u00bb<\/em>.<\/p>\n\n\n\n

R\u00e9ponse de votre serviteur : \u00ab @AXAFrance meilleur pour envoyer des\nDM l\u00e9nifiants que pour faire son job d’assureur \u00bb<\/em> \u2026 et miracle :\ndans le \u00bd heure, un gestionnaire d\u2019Axa m\u2019appelle et m\u2019informe qu\u2019ils vont\ndemander \u00e0 leur courtier de me rembourser.<\/p>\n\n\n\n

Je le reconnais, je peux \u00eatre\nparticuli\u00e8rement teigneux \u2026 et qui plus est, je connais bien le secteur de\nl\u2019assurance ; mais mettez-vous un instant \u00e0 la place du client lambda, qui\na souscrit \u00e0 une carte Premium en croyant \u00eatre bien couvert et se trouve face \u00e0\ngens d\u2019aussi mauvaise foi que CWI \u2026 Que va-t-il se passer ?<\/p>\n\n\n\n

Un, il laissera tomber, ce qui est\ninadmissible car il est dans son bon droit.<\/p>\n\n\n\n

Deux, il conservera une tr\u00e8s\nmauvaise image d\u2019Axa \u2013 et \u00e9vitera de souscrire une assurance chez eux \u2013 et de\nVisa \u2013 mais comme les autres ne sont certainement pas mieux ! <\/p>\n\n\n\n

En d\u2019autres termes, en cautionnant CWI, Axa et Visa, non seulement se forgent une mauvaise r\u00e9putation, mais qui plus est, creusent un peu plus la tombe du marketing, sur qui tout cela va bien s\u00fbr retomber.<\/p>\n","protected":false},"excerpt":{"rendered":"

Aux cartes Visa \u00ab haut de gamme \u00bb \u2013 Premier, Platinum \u2013 sont associ\u00e9s divers services comme une assurance couvrant les accidents survenus avec une voiture de location ; et comme la soci\u00e9t\u00e9 Visa Europe France n\u2019est pas elle-m\u00eame un assureur, cette derni\u00e8re garantie est sous-trait\u00e9e aupr\u00e8s d\u2019Axa…<\/p>\n","protected":false},"author":2,"featured_media":26048,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"gallery","meta":{"spay_email":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true},"categories":[154],"tags":[180,384,385,292],"yoast_head":"\nVisa assurances, l\u2019assureur qui n\u2019assure pas - Marketing is Dead<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/consumerinsight.eu\/marketingisdead\/visa-assurances-lassureur-qui-nassure-pas\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Visa assurances, l\u2019assureur qui n\u2019assure pas - Marketing is Dead\" \/>\n<meta property=\"og:description\" content=\"Aux cartes Visa \u00ab haut de gamme \u00bb \u2013 Premier, Platinum \u2013 sont associ\u00e9s divers services comme une assurance couvrant les accidents survenus avec une voiture de location ; et comme la soci\u00e9t\u00e9 Visa Europe France n\u2019est pas elle-m\u00eame un assureur, cette derni\u00e8re garantie est sous-trait\u00e9e aupr\u00e8s d\u2019Axa...\" \/>\n<meta property=\"og:url\" content=\"http:\/\/consumerinsight.eu\/marketingisdead\/visa-assurances-lassureur-qui-nassure-pas\/\" \/>\n<meta property=\"og:site_name\" content=\"Marketing is Dead\" \/>\n<meta property=\"article:published_time\" content=\"2019-10-20T16:20:24+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-10-20T17:19:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/consumerinsight.eu\/marketingisdead\/wp-content\/uploads\/sites\/2\/2019\/10\/Lapin.jpg?fit=333%2C408\" \/>\n\t<meta property=\"og:image:width\" content=\"333\" \/>\n\t<meta property=\"og:image:height\" content=\"408\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"FLaurent\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/consumerinsight.eu\/marketingisdead\/#website\",\"url\":\"https:\/\/consumerinsight.eu\/marketingisdead\/\",\"name\":\"Marketing is Dead\",\"description\":\"Le marketing est mort, vive le marketing\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/consumerinsight.eu\/marketingisdead\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"ImageObject\",\"@id\":\"http:\/\/consumerinsight.eu\/marketingisdead\/visa-assurances-lassureur-qui-nassure-pas\/#primaryimage\",\"inLanguage\":\"fr-FR\",\"url\":\"https:\/\/i0.wp.com\/consumerinsight.eu\/marketingisdead\/wp-content\/uploads\/sites\/2\/2019\/10\/Lapin.jpg?fit=333%2C408\",\"contentUrl\":\"https:\/\/i0.wp.com\/consumerinsight.eu\/marketingisdead\/wp-content\/uploads\/sites\/2\/2019\/10\/Lapin.jpg?fit=333%2C408\",\"width\":333,\"height\":408},{\"@type\":\"WebPage\",\"@id\":\"http:\/\/consumerinsight.eu\/marketingisdead\/visa-assurances-lassureur-qui-nassure-pas\/#webpage\",\"url\":\"http:\/\/consumerinsight.eu\/marketingisdead\/visa-assurances-lassureur-qui-nassure-pas\/\",\"name\":\"Visa assurances, l\u2019assureur qui n\u2019assure pas - 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