Abstracts
Résumé
La forte croissance des transactions dites de partage ces dernières années laisse croire à un bouleversement de notre façon de consommer. Les plateformes en ligne facilitant le partage, le prêt ou le louage entre individus incite à prendre (ou reprendre) conscience qu’il n’est pas nécessaire de posséder un bien pour profiter de son utilité. Quant aux biens que l’on possède déjà, les plateformes d’économie collaborative permettent d’en tirer un revenu supplémentaire avec peu d’effort et à l’intérieur de structures qui font oublier les risques encourus. Du point de vue d’un assureur, ces changements ont un impact non négligeable sur le risque des biens et des individus assurés. Dans cet article, nous offrons un bref survol de la littérature sur le sujet et présentons quelques conclusions quant à l’aggravation du risque en lien avec les plateformes telles Uber et Airbnb.
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Appendices
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