{"id":11591,"date":"2025-10-14T09:13:59","date_gmt":"2025-10-14T09:13:59","guid":{"rendered":"https:\/\/www.italiafideiussioni.it\/?p=11591"},"modified":"2026-03-12T08:56:36","modified_gmt":"2026-03-12T08:56:36","slug":"le-boom-des-fausses-cautions-comment-les-verifications-ivass-protegent-les-entreprises-et-les-citoyens-contre-les-escroqueries","status":"publish","type":"post","link":"https:\/\/www.italiafideiussioni.it\/fr\/le-boom-des-fausses-cautions-comment-les-verifications-ivass-protegent-les-entreprises-et-les-citoyens-contre-les-escroqueries\/","title":{"rendered":"Le Boom des Fausses Cautions : Comment les V\u00e9rifications IVASS Prot\u00e8gent les Entreprises et les Citoyens Contre les Escroqueries"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\"><strong>Approfondissement sur les V\u00e9rifications IVASS pour Cautions et Polices d&rsquo;Assurance<\/strong><\/h3>\n\n\n\n<p>Les v\u00e9rifications effectu\u00e9es par l&rsquo;<strong>IVASS (Institut pour la Surveillance des Assurances)<\/strong> sont un outil essentiel pour attester la <strong>validit\u00e9 et l&rsquo;authenticit\u00e9<\/strong> d&rsquo;une caution ou d&rsquo;une police d&rsquo;assurance.<\/p>\n\n\n\n<p>Aujourd&rsquo;hui plus que jamais, ce contr\u00f4le est indispensable, notamment dans le contexte des <strong>garanties financi\u00e8res pour les march\u00e9s publics<\/strong> et priv\u00e9s, o\u00f9 l&rsquo;augmentation des fraudes est li\u00e9e aussi \u00e0 l&rsquo;\u00e9norme flux de fonds du <strong>Plan National de Relance et de R\u00e9silience (PNRR)<\/strong>.<\/p>\n\n\n\n<p>Ces derniers mois, l&rsquo;IVASS, la Banque d&rsquo;Italie et l&rsquo;ANAC ont publi\u00e9 des indications op\u00e9rationnelles mises \u00e0 jour au 18 juillet 2025, qui permettent de distinguer avec certitude une garantie v\u00e9ritable d&rsquo;une fausse police. Voyons ensemble comment effectuer toutes les v\u00e9rifications, \u00e9tape par \u00e9tape.<\/p>\n\n\n<div class=\"gb-container gb-container-90d606ba\">\n<style>.wp-block-kadence-advancedheading.kt-adv-heading8123_04e115-e8, .wp-block-kadence-advancedheading.kt-adv-heading8123_04e115-e8[data-kb-block=\"kb-adv-heading8123_04e115-e8\"]{text-align:center;font-size:20px;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading8123_04e115-e8 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading8123_04e115-e8[data-kb-block=\"kb-adv-heading8123_04e115-e8\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading8123_04e115-e8 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading8123_04e115-e8[data-kb-block=\"kb-adv-heading8123_04e115-e8\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading8123_04e115-e8 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading8123_04e115-e8\">Contactez-nous directement en ligne <strong>pour recevoir une r\u00e9ponse en temps r\u00e9el<\/strong> pour les cautions pour entreprises, ou appelez l&rsquo;une de nos agences les plus proches :<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading8123_67c878-e0, .wp-block-kadence-advancedheading.kt-adv-heading8123_67c878-e0[data-kb-block=\"kb-adv-heading8123_67c878-e0\"]{text-align:center;font-size:20px;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading8123_67c878-e0[data-kb-block=\"kb-adv-heading8123_67c878-e0\"]{display:flex;gap:0.25em;justify-content:center;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading8123_67c878-e0[data-kb-block=\"kb-adv-heading8123_67c878-e0\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading8123_67c878-e0 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading8123_67c878-e0[data-kb-block=\"kb-adv-heading8123_67c878-e0\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading8123_67c878-e0 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading8123_67c878-e0[data-kb-block=\"kb-adv-heading8123_67c878-e0\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style><p class=\"kt-adv-heading8123_67c878-e0 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading8123_67c878-e0\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fe_phone kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 16.92v3a2 2 0 0 1-2.18 2 19.79 19.79 0 0 1-8.63-3.07 19.5 19.5 0 0 1-6-6 19.79 19.79 0 0 1-3.07-8.67A2 2 0 0 1 4.11 2h3a2 2 0 0 1 2 1.72 12.84 12.84 0 0 0 .7 2.81 2 2 0 0 1-.45 2.11L8.09 9.91a16 16 0 0 0 6 6l1.27-1.27a2 2 0 0 1 2.11-.45 12.84 12.84 0 0 0 2.81.7A2 2 0 0 1 22 16.92z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\">Tel. <a href=\"tel:+390554932199\">+39 055 49.32.199<\/a> \u2013 Tel. <a href=\"tel:+390266712417\">+39 02 667.124.17<\/a><\/span><\/p>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading8123_fb872c-48, .wp-block-kadence-advancedheading.kt-adv-heading8123_fb872c-48[data-kb-block=\"kb-adv-heading8123_fb872c-48\"]{text-align:center;font-size:20px;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading8123_fb872c-48[data-kb-block=\"kb-adv-heading8123_fb872c-48\"]{display:flex;gap:0.25em;justify-content:center;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading8123_fb872c-48[data-kb-block=\"kb-adv-heading8123_fb872c-48\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading8123_fb872c-48 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading8123_fb872c-48[data-kb-block=\"kb-adv-heading8123_fb872c-48\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading8123_fb872c-48 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading8123_fb872c-48[data-kb-block=\"kb-adv-heading8123_fb872c-48\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style><p class=\"kt-adv-heading8123_fb872c-48 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading8123_fb872c-48\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fe_mail kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M4 4h16c1.1 0 2 .9 2 2v12c0 1.1-.9 2-2 2H4c-1.1 0-2-.9-2-2V6c0-1.1.9-2 2-2z\"\/><polyline points=\"22,6 12,13 2,6\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\">Email : <a>info@italiafideiussioni.it<\/a><\/span><\/p>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading8123_a15819-22, .wp-block-kadence-advancedheading.kt-adv-heading8123_a15819-22[data-kb-block=\"kb-adv-heading8123_a15819-22\"]{text-align:center;font-size:20px;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading8123_a15819-22[data-kb-block=\"kb-adv-heading8123_a15819-22\"]{display:flex;gap:0.25em;justify-content:center;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading8123_a15819-22[data-kb-block=\"kb-adv-heading8123_a15819-22\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading8123_a15819-22[data-kb-block=\"kb-adv-heading8123_a15819-22\"] .kb-adv-heading-icon{color:#00d084;}.wp-block-kadence-advancedheading.kt-adv-heading8123_a15819-22 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading8123_a15819-22[data-kb-block=\"kb-adv-heading8123_a15819-22\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading8123_a15819-22 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading8123_a15819-22[data-kb-block=\"kb-adv-heading8123_a15819-22\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style><p class=\"kt-adv-heading8123_a15819-22 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading8123_a15819-22\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fa_whatsapp kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 448 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M380.9 97.1C339 55.1 283.2 32 223.9 32c-122.4 0-222 99.6-222 222 0 39.1 10.2 77.3 29.6 111L0 480l117.7-30.9c32.4 17.7 68.9 27 106.1 27h.1c122.3 0 224.1-99.6 224.1-222 0-59.3-25.2-115-67.1-157zm-157 341.6c-33.2 0-65.7-8.9-94-25.7l-6.7-4-69.8 18.3L72 359.2l-4.4-7c-18.5-29.4-28.2-63.3-28.2-98.2 0-101.7 82.8-184.5 184.6-184.5 49.3 0 95.6 19.2 130.4 54.1 34.8 34.9 56.2 81.2 56.1 130.5 0 101.8-84.9 184.6-186.6 184.6zm101.2-138.2c-5.5-2.8-32.8-16.2-37.9-18-5.1-1.9-8.8-2.8-12.5 2.8-3.7 5.6-14.3 18-17.6 21.8-3.2 3.7-6.5 4.2-12 1.4-32.6-16.3-54-29.1-75.5-66-5.7-9.8 5.7-9.1 16.3-30.3 1.8-3.7.9-6.9-.5-9.7-1.4-2.8-12.5-30.1-17.1-41.2-4.5-10.8-9.1-9.3-12.5-9.5-3.2-.2-6.9-.2-10.6-.2-3.7 0-9.7 1.4-14.8 6.9-5.1 5.6-19.4 19-19.4 46.3 0 27.3 19.9 53.7 22.6 57.4 2.8 3.7 39.1 59.7 94.8 83.8 35.2 15.2 49 16.5 66.6 13.9 10.7-1.6 32.8-13.4 37.4-26.4 4.6-13 4.6-24.1 3.2-26.4-1.3-2.5-5-3.9-10.5-6.6z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\"><a href=\"https:\/\/wa.me\/+393397150157\">WhatsApp : +39 339.71.50.157. <\/a><\/span><\/p>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading8123_29da39-98, .wp-block-kadence-advancedheading.kt-adv-heading8123_29da39-98[data-kb-block=\"kb-adv-heading8123_29da39-98\"]{text-align:center;font-size:20px;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading8123_29da39-98 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading8123_29da39-98[data-kb-block=\"kb-adv-heading8123_29da39-98\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading8123_29da39-98 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading8123_29da39-98[data-kb-block=\"kb-adv-heading8123_29da39-98\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading8123_29da39-98 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading8123_29da39-98\"><strong>Envoyez un message et nous vous r\u00e9pondrons<\/strong> pendant les heures de bureau, <strong>sous 5 minutes.<\/strong><\/p>\n\n<\/div>\n\n\n<h3 class=\"wp-block-heading\"><strong>1. V\u00e9rification de la L\u00e9gitimit\u00e9 de l&rsquo;Entreprise \u00c9mettrice<\/strong><\/h3>\n\n\n\n<p>La premi\u00e8re \u00e9tape est de s&rsquo;assurer que l&rsquo;entreprise qui a \u00e9mis la police est effectivement autoris\u00e9e \u00e0 op\u00e9rer dans la <strong>branche cautionnement (branche 15)<\/strong>, pr\u00e9vue par l&rsquo;article 2 du d\u00e9cret l\u00e9gislatif 209\/2005, le Code des Assurances Priv\u00e9es.<\/p>\n\n\n\n<p>Seules les compagnies habilit\u00e9es peuvent d\u00e9livrer des cautions valides. Un document \u00e9mis par une soci\u00e9t\u00e9 non autoris\u00e9e, m\u00eame s&rsquo;il est formellement correct, est <strong>nul et inefficace<\/strong>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Comment v\u00e9rifier une entreprise italienne<\/strong><\/h4>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Acc\u00e9dez au site officiel de l&rsquo;<strong>IVASS<\/strong>, section <strong>\u00ab Garanties Financi\u00e8res pour les Administrations Publiques (PA) \u00bb<\/strong>.<\/li>\n\n\n\n<li>T\u00e9l\u00e9chargez la <strong>liste des entreprises italiennes habilit\u00e9es<\/strong> \u00e0 la branche cautionnement (disponible en format CSV) :\n<ul class=\"wp-block-list\">\n<li><em>T\u00e9l\u00e9charger la liste des entreprises italiennes autoris\u00e9es \u2013 IVASS<\/em><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Recherchez la d\u00e9nomination de la compagnie qui a \u00e9mis la police.<\/li>\n\n\n\n<li>V\u00e9rifiez que les modalit\u00e9s de <strong>v\u00e9rification t\u00e9l\u00e9matique<\/strong> (site web, PEC ou plateforme en ligne) sont indiqu\u00e9es, conform\u00e9ment au Code des Contrats Publics.<\/li>\n\n\n\n<li>Si la compagnie n&rsquo;est pas pr\u00e9sente dans la liste, consultez la <strong>liste des entreprises non autoris\u00e9es<\/strong> publi\u00e9e dans la section \u00ab Pour les consommateurs \u00bb du site IVASS.<\/li>\n<\/ol>\n\n\n\n<p>Accepter une police provenant de ces entit\u00e9s peut entra\u00eener des <strong>sanctions, des exclusions d&rsquo;appel d&rsquo;offres et des risques p\u00e9naux<\/strong>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Comment v\u00e9rifier une entreprise \u00e9trang\u00e8re<\/strong><\/h4>\n\n\n\n<p>Pour les entreprises ayant leur si\u00e8ge dans un autre pays de l&rsquo;Union Europ\u00e9enne ou de l&rsquo;Espace \u00c9conomique Europ\u00e9en (EEE), la v\u00e9rification suit un parcours analogue :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Acc\u00e9dez \u00e0 la m\u00eame section <strong>\u00ab Garanties Financi\u00e8res pour les PA \u00bb<\/strong> sur le site IVASS.<\/li>\n\n\n\n<li>T\u00e9l\u00e9chargez la <strong>liste mise \u00e0 jour des entreprises \u00e9trang\u00e8res habilit\u00e9es<\/strong> \u00e0 la branche cautionnement :\n<ul class=\"wp-block-list\">\n<li><em>T\u00e9l\u00e9charger la liste des entreprises \u00e9trang\u00e8res autoris\u00e9es \u2013 IVASS<\/em><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>V\u00e9rifiez si la compagnie est autoris\u00e9e \u00e0 op\u00e9rer en Italie via le <strong>passeport europ\u00e9en<\/strong> dans le <strong>Registre RIGA<\/strong>.<\/li>\n\n\n\n<li>V\u00e9rifiez des d\u00e9tails suppl\u00e9mentaires sur le <strong>Registre Europ\u00e9en des Entreprises d&rsquo;Assurance de l&rsquo;EIOPA<\/strong> :\n<ul class=\"wp-block-list\">\n<li><em>Registre EIOPA \u2013 Insurance Undertakings<\/em><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Si vous ne trouvez pas la compagnie ou avez des doutes sur son habilitation, envoyez une demande de v\u00e9rification \u00e0 l&rsquo;adresse PEC officielle <strong>ivass@pec.ivass.it<\/strong>.<\/li>\n<\/ol>\n\n\n\n<p><strong>Rappel :<\/strong> Les Soci\u00e9t\u00e9s de Secours Mutuel ne sont pas surveill\u00e9es par l&rsquo;IVASS et ne peuvent pas \u00e9mettre de cautions ou de garanties financi\u00e8res.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. V\u00e9rification de l&rsquo;Interm\u00e9diaire Distributeur<\/strong><\/h3>\n\n\n\n<p>Si la police a \u00e9t\u00e9 propos\u00e9e par un courtier, un agent ou un interm\u00e9diaire, il est n\u00e9cessaire de v\u00e9rifier leur <strong>inscription au Registre Unique des Interm\u00e9diaires (RUI)<\/strong>. Ce passage est fondamental car un interm\u00e9diaire non inscrit ne peut pas distribuer l\u00e9galement des produits d&rsquo;assurance.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Acc\u00e9dez au portail public du RUI : <em>Registre RUI \u2013 IVASS<\/em><\/li>\n\n\n\n<li>Ins\u00e9rez le nom ou le code d&rsquo;identification de l&rsquo;interm\u00e9diaire.<\/li>\n\n\n\n<li>V\u00e9rifiez qu&rsquo;il est <strong>actif<\/strong>, <strong>autoris\u00e9<\/strong> et qu&rsquo;il n&rsquo;y a pas d&rsquo;annotations de suspension ou de r\u00e9vocation.<\/li>\n\n\n\n<li>Contr\u00f4lez qu&rsquo;il est habilit\u00e9 \u00e0 op\u00e9rer pour la compagnie \u00e9mettrice.<\/li>\n<\/ol>\n\n\n\n<p>Si l&rsquo;interm\u00e9diaire n&rsquo;est pas inscrit ou autoris\u00e9, la police doit \u00eatre consid\u00e9r\u00e9e comme <strong>ill\u00e9gale et non valide<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. V\u00e9rification de l&rsquo;Authenticit\u00e9 de la Police<\/strong><\/h3>\n\n\n\n<p>Une fois la l\u00e9gitimit\u00e9 de la compagnie et de l&rsquo;interm\u00e9diaire \u00e9tablie, il faut contr\u00f4ler que la police est <strong>authentique<\/strong>.<\/p>\n\n\n\n<p>Les v\u00e9rifications doivent \u00eatre effectu\u00e9es <strong>uniquement via les canaux t\u00e9l\u00e9matiques officiels<\/strong> d\u00e9clar\u00e9s \u00e0 l&rsquo;IVASS.<\/p>\n\n\n\n<p>Les principales modalit\u00e9s sont :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>V\u00e9rification via site web officiel :<\/strong> De nombreuses compagnies permettent d&rsquo;ins\u00e9rer le num\u00e9ro de la police et de contr\u00f4ler sa validit\u00e9 en temps r\u00e9el.<\/li>\n\n\n\n<li><strong>Demande de confirmation via PEC :<\/strong> Envoyez une demande de v\u00e9rification \u00e0 l&rsquo;adresse PEC indiqu\u00e9e dans les listes IVASS. La r\u00e9ponse doit arriver <strong>dans les 5 jours ouvrables<\/strong>.<\/li>\n\n\n\n<li><strong>Plateforme num\u00e9rique :<\/strong> Certaines compagnies adoptent des syst\u00e8mes bas\u00e9s sur la blockchain ou des registres distribu\u00e9s pour garantir la tra\u00e7abilit\u00e9 et l&rsquo;authenticit\u00e9.<\/li>\n<\/ul>\n\n\n\n<p>Comparez toujours les donn\u00e9es figurant sur la police avec les donn\u00e9es officielles :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>D\u00e9nomination et logo de la compagnie<\/li>\n\n\n\n<li>Code IVASS et branche autoris\u00e9e<\/li>\n\n\n\n<li>Montant garanti<\/li>\n\n\n\n<li>Dur\u00e9e, signature, QR Code ou code d&rsquo;identification<\/li>\n<\/ul>\n\n\n\n<p>Si des <strong>discr\u00e9pances<\/strong> ou des \u00e9l\u00e9ments <strong>non v\u00e9rifiables<\/strong> \u00e9mergent, la police <strong>ne doit pas \u00eatre accept\u00e9e<\/strong>. Consultez toujours la section <strong>\u00ab Avis de contrefa\u00e7on \u00bb<\/strong> du site IVASS.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Conseils Pratiques pour \u00c9viter les Fraudes<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Effectuez toujours les contr\u00f4les en partant de <strong>sources officielles<\/strong> : IVASS, Banca d&rsquo;Italia, EIOPA.<\/li>\n\n\n\n<li><strong>N&rsquo;utilisez pas<\/strong> les coordonn\u00e9es ou liens trouv\u00e9s sur des documents suspects.<\/li>\n\n\n\n<li><strong>M\u00e9fiez-vous<\/strong> des offres trop \u00e9conomiques ou de ceux qui promettent une \u00e9mission imm\u00e9diate sans \u00e9tude de dossier.<\/li>\n\n\n\n<li>En cas de doute, contactez l&rsquo;IVASS au num\u00e9ro vert <strong>800-486661<\/strong> ou via PEC <strong>ivass@pec.ivass.it<\/strong>.<\/li>\n\n\n\n<li><strong>Signalez rapidement<\/strong> toute suspicion : la collaboration des citoyens aide \u00e0 pr\u00e9venir les escroqueries et les falsifications.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Cons\u00e9quences d&rsquo;une Fausse Police<\/strong><\/h3>\n\n\n\n<p>Pr\u00e9senter une caution contrefaite entra\u00eene de graves cons\u00e9quences :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Exclusion automatique<\/strong> des appels d&rsquo;offres publics.<\/li>\n\n\n\n<li><strong>Perte de la caution provisoire<\/strong>.<\/li>\n\n\n\n<li><strong>Signalements p\u00e9naux<\/strong> pour escroquerie ou faux.<\/li>\n\n\n\n<li>Dommages \u00e9conomiques et de r\u00e9putation difficiles \u00e0 r\u00e9cup\u00e9rer.<\/li>\n<\/ul>\n\n\n\n<p>Les Administrations Publiques, en particulier pour les projets <strong>PNRR<\/strong>, sont oblig\u00e9es de <strong>v\u00e9rifier la validit\u00e9 de la garantie<\/strong> avant l&rsquo;acceptation, conform\u00e9ment \u00e0 la r\u00e9glementation en vigueur.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Ne Fiez-vous Qu&rsquo;\u00e0 la Transparence<\/strong><\/h3>\n\n\n\n<p>Les v\u00e9rifications IVASS ne sont pas une simple d\u00e9marche bureaucratique, mais une <strong>protection concr\u00e8te<\/strong> pour les entreprises, les professionnels et les citoyens. Contr\u00f4ler une police avant de la pr\u00e9senter signifie se d\u00e9fendre contre les fraudes, les pertes \u00e9conomiques et les probl\u00e8mes l\u00e9gaux.<\/p>\n\n\n\n<p><strong>V\u00e9rifiez, demandez, comparez et n&rsquo;acceptez jamais de raccourcis.<\/strong> Ce n&rsquo;est qu&rsquo;ainsi que vous pourrez \u00eatre certain que votre garantie est valide, reconnue et s\u00e9curis\u00e9e.<\/p>\n\n\n\n<p><em>Pour une assistance ou une v\u00e9rification documentaire, sur ItaliaFideiussioni.it, vous trouverez un support et des conseils d\u00e9di\u00e9s : nous v\u00e9rifierons votre police ensemble, de mani\u00e8re simple et transparente.<\/em><\/p>\n\n\n\n<p>La satisfaction de nos clients est notre plus grande garantie. Regardez ce qu&rsquo;ils disent !<\/p>\n\n\n<div class=\"gb-container gb-container-715be5ab\">\n<style>.wp-block-kadence-advancedheading.kt-adv-heading8157_ff936e-ad, .wp-block-kadence-advancedheading.kt-adv-heading8157_ff936e-ad[data-kb-block=\"kb-adv-heading8157_ff936e-ad\"]{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);text-align:center;font-size:20px;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading8157_ff936e-ad mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading8157_ff936e-ad[data-kb-block=\"kb-adv-heading8157_ff936e-ad\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading8157_ff936e-ad img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading8157_ff936e-ad[data-kb-block=\"kb-adv-heading8157_ff936e-ad\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading8157_ff936e-ad wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading8157_ff936e-ad\">Les avis positifs de nos clients sont la preuve tangible de notre excellence. <a href=\"https:\/\/www.italiafideiussioni.it\/fr\/testimonianze\/\">Lisez les temoignages de nos clients<\/a> pour voir ce que disent les personnes qui ont v\u00e9cu notre exp\u00e9rience.<\/p>\n\n\n\n<div id=\"brb_collection_3943\"><\/div><script type=\"text\/javascript\">!function(e){var c=document.createElement(\"script\");c.src=e,document.body.appendChild(c)}(\"https:\/\/www.italiafideiussioni.it\/wp-admin\/admin-ajax.php?action=brb_embed&brb_collection_id=3943&brb_callback=brb_\"+(new Date).getTime());<\/script>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Approfondissement sur les V\u00e9rifications IVASS pour Cautions et Polices d&rsquo;Assurance Les v\u00e9rifications effectu\u00e9es par l&rsquo;IVASS (Institut pour la Surveillance des Assurances) sont un outil essentiel pour attester la validit\u00e9 et l&rsquo;authenticit\u00e9 d&rsquo;une caution ou d&rsquo;une police d&rsquo;assurance. Aujourd&rsquo;hui plus que jamais, ce contr\u00f4le est indispensable, notamment dans le contexte des garanties financi\u00e8res pour les march\u00e9s [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":11566,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_focuskw":"","_yoast_wpseo_title":"Fausses cautions : comment les contr\u00f4les IVASS prot\u00e8gent","_yoast_wpseo_metadesc":"L\u2019IVASS alerte sur la hausse des fausses cautions. D\u00e9couvrez comment v\u00e9rifier une garantie et \u00e9viter les escroqueries dans le secteur des assurances.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","footnotes":""},"categories":[117],"tags":[],"class_list":["post-11591","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-categorise"],"acf":false,"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Fausses cautions : comment les contr\u00f4les IVASS prot\u00e8gent<\/title>\n<meta name=\"description\" content=\"L\u2019IVASS alerte sur la hausse des fausses cautions. 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