Maître Marie MONEREAU

Avocat au barreau de Paris

Compétences : Droit des assurances, Procédure civile

Barreau : Paris

Adresse : 27 BOULEVARD SAINT GERMAIN 75005 PARIS

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Publié le 19/07/2021

Refassu.fr : le réflexe à avoir face aux risques d’escroquerie et d’usurpation d’identité dans le domaine de l’assurance.

Article juridique - Droit des assurances

Par Me Marie MONEREAU

Refassu.fr : le réflexe à avoir face aux risques d’escroquerie et d’usurpation d’identité dans le domaine de l’assurance.

Le 08/03/21, l’Autorité de Contrôle Prudentiel et de Résolution (ACPR) a lancé la plateforme Refassu.fr.

Ce nouveau registre officiel recense les entreprises autorisées à exercer une activité d’assurance en France conformément aux dispositions des articles L. 612-1 et L.612-2 du code monétaire et financier.

Il donne accès à de nombreuses informations (dénomination sociale, adresse, identifiant, activité, type d’agrément…) et doit permettre à chacun d’éviter les escroqueries et usurpations d’identité en vérifiant les éléments relatifs à un organisme d’assurance qui l’aurait par exemple démarché et/ou avec lequel il envisagerait de souscrire un contrat.

L’ACPR souligne qu’il est essentiel de vérifier que les établissements référencés correspondent à l'établissement objet de la recherche effectuée et que les informations figurant sur le registre (en particulier l’adresse, la dénomination sociale et le nom commercial) sont strictement identiques à celles dont dispose l'auteur de la recherche concernant l’établissement sur lequel il souhaite obtenir des informations.

Elle rappelle qu’il est en outre vivement conseillé de consulter le registre tenu par l’autorité du pays d’origine et que l’autorité européenne des assurances et des pensions professionnelles (EIOPA) met également à disposition un registre européen alimenté par les informations transmises par chaque autorité de contrôle nationale (Register of Insurance Undertakings).

Le registre Refassu est donc un outil de vérification précieux et le consulter préalablement à la souscription d’un contrat d’assurance doit devenir, pour le futur assuré, un réflexe afin de vérifier l’identité et l’existence même de l’organisme d’assurance avec lequel il envisage de contracter.