100% satisfaction guarantee Immediately available after payment Both online and in PDF No strings attached
logo-home
Samenvatting powerpoint + cursus brandverzekeringen (H. De Mulder) $6.96   Add to cart

Summary

Samenvatting powerpoint + cursus brandverzekeringen (H. De Mulder)

1 review
 132 views  13 purchases
  • Course
  • Institution
  • Book

Samenvatting van de powerpoint en de cursus brandverzekeringen gegeven door H. De Mulder aan HoGent

Preview 4 out of 69  pages

  • Yes
  • January 26, 2022
  • 69
  • 2021/2022
  • Summary

1  review

review-writer-avatar

By: boussbouss • 2 year ago

avatar-seller
BRANDVERZEKERINGEN
Samenvatting

,Inhoudsopgave
1. Inleiding..................................................................................................................................................... 5
1.1 Enkele cijfers...................................................................................................................................................5
1.2 “Brand”verzekering........................................................................................................................................5
1.3 Historiek brandverzekering.............................................................................................................................6
1.4 Wetgeving.......................................................................................................................................................6
1.4.1 Wet op verzekeringen 04/04/2014.........................................................................................................7
1.5 Wettelijke verplichting....................................................................................................................................7
1.6 Regels aansprakelijkheid................................................................................................................................8
1.6.1 Contractuele aansprakelijkheid...............................................................................................................8
1.6.2 Extracontractuele aansprakelijkheid.......................................................................................................8
1.7 KB Brand.........................................................................................................................................................9
1.7.1 Waarborgen...........................................................................................................................................10
1.7.2 Minimum te verzekeren bedragen........................................................................................................13
1.7.3 Vrijstellingen..........................................................................................................................................13

2. Schaderegeling of claims brand................................................................................................................ 14
2.1 Taak van de tussenpersoon..........................................................................................................................14
2.2 Verplichtingen verzekeringsnemer...............................................................................................................14
2.2.1 Aangifte..................................................................................................................................................14
2.2.2 Documenten..........................................................................................................................................15
2.2.3 Voorkomen en beperken schade..........................................................................................................15
2.2.4 Beschrijving schade...............................................................................................................................15
2.2.5 Aangifte met aansprakelijkheid.............................................................................................................16
2.3 Taak van de experten...................................................................................................................................16
2.3.1 Taak expert verzekeraar........................................................................................................................16
2.3.2 Taak expert verzekeringsnemer (privé expert / tegenexpert)..............................................................16
2.4 Taak van de brandverzekeraar.....................................................................................................................17
2.4.1 Vergoedingstermijnen...........................................................................................................................17
2.5 Taak van de rechtsbijstandsverzekeraar......................................................................................................17
2.6 Schaderegeling brand...................................................................................................................................18
2.6.1 Berekening.............................................................................................................................................18
2.6.2 Samenloop.............................................................................................................................................19
2.6.3. Verjaring...............................................................................................................................................19
2.6.4 Organisatie.............................................................................................................................................19

3. Basiswaarborgen...................................................................................................................................... 20
3.1 Inleiding........................................................................................................................................................20
3.1.1 Wie is verzekerd in een brandpolis?.....................................................................................................20
3.1.2 Subrogatie..............................................................................................................................................21
3.1.3 Voor rekening van wie het behoort......................................................................................................21
3.2 Soorten polissen............................................................................................................................................22
3.2.1 Gedekte gevaren...................................................................................................................................22
3.2.2 Alle risico’s per waarborg behalve........................................................................................................23
3.2.3 Alle risico’s behalve...............................................................................................................................23
3.2.4 Structuur van de polis............................................................................................................................23
3.3 Brand............................................................................................................................................................24

1

, 3.4 Waarborg brand, bliksem, ontploffing en implosie......................................................................................25
3.4.1 Voorwaarden om van brand te kunnen spreken..................................................................................25
3.4.2 Polis........................................................................................................................................................26
3.4.3 Waarborg brand – explosie...................................................................................................................26
3.4.4 Waarborg brand – implosie...................................................................................................................26
3.4.5 Waarborg brand – bliksem....................................................................................................................26
3.4.6 Waarborg brand – rook of roet.............................................................................................................27
3.5 Waarborg botsen tegen de verzekerde goederen........................................................................................28
3.5.1 Conventie assuralia “aanrijding door voertuigen”................................................................................28
3.6 Waarborg beschadiging gebouw.................................................................................................................30
3.6.1 Uitsluitingen..........................................................................................................................................30
3.7 Waarborg elektriciteitsschade......................................................................................................................31
3.7.1 Vergoeding............................................................................................................................................31
3.7.2 Uitsluitingen..........................................................................................................................................32
3.7.3 Elektrocutie van (huis)dieren................................................................................................................32
3.7.4 Ontdooiing voedingswaren...................................................................................................................32
3.8 Waarborg arbeidsconflicten en aanslagen..................................................................................................33
3.8.1 Warme schade.......................................................................................................................................33
3.8.2 Koude schade........................................................................................................................................33
3.9 Waarborg stormschade................................................................................................................................34
3.9.1 Het woord storm...................................................................................................................................34
3.9.2 Uitlsutingen...........................................................................................................................................34
3.9.3 Verplicht te verzekeren.........................................................................................................................35
3.9.4 Overmacht.............................................................................................................................................35
3.10 Waarborg waterschade..............................................................................................................................36
3.10.1 Bijkomende dekkingen........................................................................................................................36
3.10.2 Uitsluitingen........................................................................................................................................37
3.10.3 Conventie waterschade.......................................................................................................................37
3.11 Waarborg schade door stookolie...............................................................................................................38
3.12 Waarborg glasbraak...................................................................................................................................38
3.12.1 Uitbreidingen.......................................................................................................................................38
3.12.2 Uitsluitingen........................................................................................................................................38
3.13 Waarborg natuurrampen...........................................................................................................................39
3.13.1 Overstroming.......................................................................................................................................39
3.13.2 Aardbeving...........................................................................................................................................39
3.13.3 Overlopen / opstuwen van openbare riolen.......................................................................................39
3.13.4 Aardverschuiving / grondverzakking (natuurlijke oorsprong)............................................................39
3.13.5 Indekking.............................................................................................................................................39
3.14 Aanvullende waarborgen...........................................................................................................................41
3.14.1 Reddingskosten...................................................................................................................................41
3.14.2 Bewaringskosten.................................................................................................................................41
3.14.3 Opruimings- en afbraakkosten............................................................................................................41
3.14.4 Kosten voor heraanleg tuin.................................................................................................................42
3.14.5 Kosten voor voorlopige huisvesting....................................................................................................42
3.14.6 Tijdelijke onbruikbaarheid...................................................................................................................42
3.14.7 Expertisekosten...................................................................................................................................42

4. Aansprakelijkheden en facultatieve waarborgen......................................................................................43
4.1 BA gebouw....................................................................................................................................................43
4.2 Verhaal van derden......................................................................................................................................44
4.2.1 Voorwaarden.........................................................................................................................................44

2

, 4.3 Verhaal van huurders...................................................................................................................................44
4.4 Bijstand woning en personenhulp................................................................................................................45
4.5 Facultatieve waarborgen..............................................................................................................................45
4.5.1 Diefstal...................................................................................................................................................45
4.5.2 Indirect verlies.......................................................................................................................................46
4.5.3 Motorrijtuigen in rust............................................................................................................................46
4.5.4 Rechtsbijstand.......................................................................................................................................47
4.5.5 Bedrijfsschade.......................................................................................................................................48

5. Het leven van de brandpolis..................................................................................................................... 49
5.1 Betrokken partijen........................................................................................................................................49
5.2 Informatiefiches van de tussenpersoon........................................................................................................49
5.3 Het verzekeringsvoorstel..............................................................................................................................50
5.4 Definities Gebouw en Inhoud........................................................................................................................50
5.4.1 Definitie Gebouw...................................................................................................................................50
5.4.2 Definitie Inhoud.....................................................................................................................................51
5.4.3 Taxatiebegrippen Gebouw en Inhoud...................................................................................................52
5.5 Schattingsroosters........................................................................................................................................53
5.5.1 Rooster S.A.E.R......................................................................................................................................54
5.5.2 Vereenvoudigd rooster..........................................................................................................................55
5.5.3 Verzekering in 1e risico..........................................................................................................................55
5.5.4 Schatting................................................................................................................................................56
5.5.5 Eigenaar in mede-eigendom.................................................................................................................56
5.5.6 Huurdersaansprakelijkheid....................................................................................................................57
5.6 De algemene en bijzondere voorwaarden....................................................................................................60
5.6.1 Algemene voorwaarden........................................................................................................................60
5.6.2 Bijzondere voorwaarden.......................................................................................................................60
5.7 Opzet, uitsluitingen van dekking en verval van recht...................................................................................60
5.7.1 Opzet.....................................................................................................................................................60
5.7.2 Uitsluitingen van dekking......................................................................................................................61
5.7.3 Verval van recht.....................................................................................................................................61
5.8 Tegenstelbaarheid........................................................................................................................................61
5.9 Het hypothecair bijvoegsel...........................................................................................................................61
5.10 De kwijting..................................................................................................................................................62

6. Het einde van de brandpolis..................................................................................................................... 63
6.1 Een polis opzeggen.......................................................................................................................................63
6.1.1 Opzegmogelijkheden partijen...............................................................................................................63
6.1.3 Opzeg tegen eindvervaldag...................................................................................................................63
6.1.2 Opzeg na schadegeval...........................................................................................................................64
6.1.3 Wijziging tarief of voorwaarden............................................................................................................64
6.1.4 Verdwijning / wijziging van het risico....................................................................................................64
6.1.5 Overdracht onder levenden..................................................................................................................65
6.1.6 Schrapping van de waarborg.................................................................................................................65
6.1.7 Overlijden..............................................................................................................................................65
6.1.8 Faillissement..........................................................................................................................................65
6.1.9 Schorsing van de waarborg...................................................................................................................66
6.2 Collectieve polis............................................................................................................................................66
6.3 Overname / verandering van agentschap....................................................................................................67
6.3.1 Overname verzekering..........................................................................................................................67

3

The benefits of buying summaries with Stuvia:

Guaranteed quality through customer reviews

Guaranteed quality through customer reviews

Stuvia customers have reviewed more than 700,000 summaries. This how you know that you are buying the best documents.

Quick and easy check-out

Quick and easy check-out

You can quickly pay through credit card or Stuvia-credit for the summaries. There is no membership needed.

Focus on what matters

Focus on what matters

Your fellow students write the study notes themselves, which is why the documents are always reliable and up-to-date. This ensures you quickly get to the core!

Frequently asked questions

What do I get when I buy this document?

You get a PDF, available immediately after your purchase. The purchased document is accessible anytime, anywhere and indefinitely through your profile.

Satisfaction guarantee: how does it work?

Our satisfaction guarantee ensures that you always find a study document that suits you well. You fill out a form, and our customer service team takes care of the rest.

Who am I buying these notes from?

Stuvia is a marketplace, so you are not buying this document from us, but from seller margoschoenaerts. Stuvia facilitates payment to the seller.

Will I be stuck with a subscription?

No, you only buy these notes for $6.96. You're not tied to anything after your purchase.

Can Stuvia be trusted?

4.6 stars on Google & Trustpilot (+1000 reviews)

70055 documents were sold in the last 30 days

Founded in 2010, the go-to place to buy study notes for 14 years now

Start selling
$6.96  13x  sold
  • (1)
  Add to cart