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Samenvatting powerpoint + cursus brandverzekeringen (H. De Mulder)
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Samenvatting van de powerpoint en de cursus brandverzekeringen gegeven door H. De Mulder aan HoGent
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By: boussbouss • 2 year ago
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BRANDVERZEKERINGENSamenvatting
,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
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, 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
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