Summary
Samenvatting brandverzekeringen
- Course
- Institution
Samenvatting van het vak brandverzekeringen gegeven in het tweede jaar immobiliën en verzekeringen en financie- en verzekeringswezen.
[Show more]
Seller
Follow
Mds306
Reviews received
Content preview
BrandverzekeringenInhoud
Hoofdstuk 1 Wettelijke Basis...............................................................................................................1
1 De wet van 4 april 2014 betreffende de verzekeringen ................................................................1
1.1 Algemeen ............................................................................................................................1
1.2 Brandverzekering als zaakverzekering..................................................................................2
1.3 Brandverzekering als aansprakelijkheidsverzekering ............................................................3
1.3.1 De Contractuele Aansprakelijkheid ..............................................................................3
1.3.2 De buitencontractuele aansprakelijkheid .....................................................................4
2 KB Uitvoering van 24 december 1992 ..........................................................................................5
3 KB Brand van 24 december 1992 .................................................................................................5
4 KB Risicozones van 28 februari 2007 ...........................................................................................5
5 De wet van 1 april 2007: de verzekering tegen schade veroorzaakt door terrorisme ....................5
6 De wet van 30 juli 1979: de verplichte verzekering bij brand en ontploffing = Objectieve
aansprakelijkheidsverzekering ............................................................................................................5
7 Wet van 13 november 2011 betreffende de vergoeding van schade ingevolge een technologisch
ongeval ...............................................................................................................................................5
Hoofdstuk 2 Het leven van de brandpolis eenvoudige risico’s: van de afsluiting tot de opzeg ..............6
1 Het afsluiten van een brandverzekering ......................................................................................6
1.1 De verzekeringsnemer .........................................................................................................6
1.1.1 Verzekeringsnemer is eigenaar-bewoner .....................................................................6
1.1.2 Verzekeringsnemer is eigenaar-verhuurder..................................................................6
1.1.3 Verzekeringsnemer is huurder .....................................................................................6
1.2 De informatieplichtfiches van de verzekeringstussenpersoon ..............................................7
1.3 Het verzekeringsvoorstel en de schattingsroosters ..............................................................8
1.4 De algemene voorwaarden ..................................................................................................8
1.4.1 Omschrijving van de waarborgen .................................................................................9
1.4.2 Opzet, uitsluitingen van dekking en verval van recht ....................................................9
1.4.3 Uitsluiting van dekking .................................................................................................9
1.4.4 Verval van recht ...........................................................................................................9
1.4.5 Problemen van kwalificatie ........................................................................................ 10
1.4.6 Bewijslast................................................................................................................... 10
1.4.7 Tegenstelbaarheid ..................................................................................................... 10
1.5 Bijzondere voorwaarden.................................................................................................... 11
1.6 Het hypothecaire bijvoegsel .............................................................................................. 11
, 1.7 Een kwijting ....................................................................................................................... 11
2 De rol van de tussenpersoon ..................................................................................................... 11
2.1 Premie............................................................................................................................... 11
2.1.1 Basisdekkingen, dekkingsuitbreidingen, bijdekkingen en facultatieve dekkingen ........ 12
2.1.2 Diefstalverzekering .................................................................................................... 12
2.1.3 Bijpremies en premieverminderingen ........................................................................ 13
2.2 Administratieve verwerking ............................................................................................... 13
2.3 Borderel van commissie..................................................................................................... 13
2.4 Het schadegeval ................................................................................................................ 13
2.5 Wijziging van verzekeringstussenpersoon .......................................................................... 13
3 Het einde van de brandpolis ...................................................................................................... 14
3.1 Een polis opzeggen ............................................................................................................ 14
3.1.1 Opzegbrief ................................................................................................................. 14
3.1.2 Opzegging na schadegeval ......................................................................................... 14
3.1.3 Opzegging na overlijden van de Verzekeringsnemer................................................... 15
3.1.4 Faillissement en gerechtelijk akkoord......................................................................... 15
3.1.5 Opzegging na wijziging van het tarief of de voorwaarden ........................................... 15
3.2 Wijziging van het risico ...................................................................................................... 15
3.3 Schrapping van een waarborg ............................................................................................ 16
HOOFSTUK 3: De Brandpolis ............................................................................................................. 16
1 Toepassingsgebied .................................................................................................................... 16
1.1 De betrokken partijen ........................................................................................................ 16
1.1.1 De verzekeraar........................................................................................................... 16
1.1.2 De verzekeringnemer ................................................................................................. 16
1.1.3 De verzekerde............................................................................................................ 18
1.1.4 Derden....................................................................................................................... 19
1.2 Verzekerde goederen ........................................................................................................ 19
1.2.1 Risico “gebouw”......................................................................................................... 19
1.2.2 Het risico “inhoud” .................................................................................................... 20
1.2.3 Het risico “aansprakelijkheid” .................................................................................... 20
2 De verzekerde gevaren.............................................................................................................. 22
2.1 Algemeen .......................................................................................................................... 22
2.2 Basiswaarborg brand en aanverwante gevaren .................................................................. 23
2.2.1 Brand ......................................................................................................................... 23
2.2.2 Ontploffing en implosie.............................................................................................. 24
2.2.3 Rechtstreekse blikseminslag ...................................................................................... 24
, 2.2.4 Rook en roet .............................................................................................................. 24
2.2.5 Aanraking .................................................................................................................. 24
2.2.6 Schade aan OG naar aanleiding van een diefstal of poging tot diefstal, vandalisme en
kwaad opzet.............................................................................................................................. 25
2.2.7 Inwerking van elektriciteit.......................................................................................... 25
2.2.8 Ontdooiing en ontvriezing .......................................................................................... 26
2.2.9 Basiswaarborg arbeidsconflicten en aanslagen........................................................... 26
2.2.10 Basiswaarborg storm ................................................................................................. 26
2.2.11 Basiswaarborg water en vloeibare brandstoffen ........................................................ 27
2.2.12 Basiswaarborg breken of barsten van glas.................................................................. 27
2.2.13 Basiswaarborg BA Gebouw ........................................................................................ 28
2.2.14 Basiswaarborg bedrijfsschade .................................................................................... 28
2.2.15 Basiswaarborg natuurrampen .................................................................................... 28
2.3 Dekkingsuitbreidingen ....................................................................................................... 29
2.4 Bijdekkingen ...................................................................................................................... 30
2.5 Facultatieve waarborgen ................................................................................................... 30
2.5.1 Diefstal ...................................................................................................................... 31
2.5.2 Onrechtstreekse verliezen ......................................................................................... 31
2.5.3 Voertuigen in rust ...................................................................................................... 31
2.5.4 Rechtsbijstand ........................................................................................................... 31
2.5.5 Andere facultatieve waarborgen ................................................................................ 32
3 De verzekerde bedragen ........................................................................................................... 32
3.1 Bepaling van de waarde van de verzekerde goederen........................................................ 32
3.2 De indexatie ...................................................................................................................... 32
3.3 Het verzekerde bedrag “gebouw” ...................................................................................... 32
3.4 Verzekerde bedrag “inhoud” ............................................................................................. 32
3.5 Het verzekerde bedrag “aansprakelijkheid” ....................................................................... 33
3.5.1 Het verzekerde bedrag “aansprakelijkheid van de huurder” ....................................... 33
3.5.2 Verzekerde bedrag “verhaal van de huurder” ............................................................ 33
3.5.3 Verzekerde bedrag “verhaal van derden”................................................................... 33
3.5.4 Verzekerde bedrag “BA Gebouw” .............................................................................. 34
3.5.5 Verzekerde bedrag “Andere” ..................................................................................... 34
4 Diverse bepalingen.................................................................................................................... 34
HOOFDSTUK 4: SCHADEREGELINGEN ................................................................................................ 34
1 Principes ................................................................................................................................... 34
1.1 BTW – taksen .................................................................................................................... 34
, 2 Schadebeheer ........................................................................................................................... 34
2.1 Samenloop ........................................................................................................................ 34
2.2 Indexatie ........................................................................................................................... 35
2.3 Waarde voor ..................................................................................................................... 35
2.4 Overdraagbaarheid............................................................................................................ 36
2.5 Begroting van de schade .................................................................................................... 36
2.6 Toepassing van de vrijstelling ............................................................................................ 37
2.7 Evenredigheid “bedragen”................................................................................................. 38
2.8 Toepassen van de vergoedingsgrenzen .............................................................................. 39
2.9 Evenredigheid “Tarief” ...................................................................................................... 39
2.10 Betaling ............................................................................................................................. 40
2.11 Subrogatie (indeplaatsstelling) of verhaal (regres) ............................................................. 40
The benefits of buying summaries with Stuvia:
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
You can quickly pay through credit card or Stuvia-credit for the summaries. There is no membership needed.
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 Mds306. Stuvia facilitates payment to the seller.
Will I be stuck with a subscription?
No, you only buy these notes for $6.06. You're not tied to anything after your purchase.
Can Stuvia be trusted?
4.6 stars on Google & Trustpilot (+1000 reviews)
79271 documents were sold in the last 30 days
Founded in 2010, the go-to place to buy study notes for 14 years now