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Samenvatting Assurantie A Brand Zeer Uitgebreid
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Uitgebreide samenvatting Assurantie A Brand. Alle hoofdstukken uit het originele boek komen uitgebreid aanbod incl. opsommingen en afbeeldingen uit het boek
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Samenvatting Assurantie A-BrandInhoud
Hoofdstuk 1. Verzekerbare belangen en zaken....................................................................................8
1.1 Verzekerbare belangen .............................................................................................................8
1.2 Hypothecair belang ...................................................................................................................8
1.2.1 Hypotheek en verzekering van het gebouw ........................................................................8
1.2.2. Hypothecairbelangverzekering ..........................................................................................9
1.2.3. Pandrechten ......................................................................................................................9
1.2.4 vruchtgebruik .....................................................................................................................9
1.3 Verzekerbare zaken ................................................................................................................. 10
1.3.1 Onroerende zaken ............................................................................................................ 10
1.3.2. Roerende zaken ............................................................................................................... 11
1.3.3. Roerend of onroerend ..................................................................................................... 11
1.4 Andere verzekerbare belangen................................................................................................ 11
Hoofdstuk 2. Brandverzekering en de wet......................................................................................... 12
2.1 Plaats van het verzekeringsrecht ............................................................................................. 12
2.2 De mededelingsplicht, artikel 7:928 t/m 7:930 BW .................................................................. 12
2.2.1. Welke informatie moet aan de verzekeraar worden verstrekt? ........................................ 13
2.2.2 Gevolgen van schending van de mededelingsplicht........................................................... 13
2.3 Premie .................................................................................................................................... 14
2.3.1. Verzuim premiebetaling, artikel 7:934 BW ....................................................................... 14
2.3.2 Verrekenen van de openstaande premie met een schade-uitkering .................................. 15
2.3.3 Delcrederebeding: de makelaar loopt het risico van wanbetaling en mag verrekenen ...... 15
2.3.4 Premierestitutie ............................................................................................................... 16
2.4 Dekking ................................................................................................................................... 16
2.4.1. Gebrek en de aard van de zaak ............................................................................................ 16
2.4.2 Opzet en roekeloosheid .................................................................................................... 16
2.4.3 Geen vermindering verzekerde som ................................................................................. 16
2.4.4 Verzekerde waarde........................................................................................................... 17
2.4.5 Bereddingskosten ............................................................................................................. 17
2.4.6 Totaal verlies en onderverzekering ................................................................................... 17
2.4.7. Indemniteitsprincipe ....................................................................................................... 17
2.5 Samenloop van verzekeringen ................................................................................................. 17
2.5.1 Hetzelfde belang .............................................................................................................. 17
2.5.2 Welke verzekeraar moet worden aangesproken? ............................................................. 17
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, 2.5.3. Het onderlinge verhaalsrecht........................................................................................... 18
2.5.4 Contractuele regeling van samenloop: na-u-clausule ........................................................ 18
2.5.5 Bedrijfsregelingen ingeval van samenloop ........................................................................ 18
2.6 Subrogatie ............................................................................................................................... 18
2.6.1. Beperkingen .................................................................................................................... 19
2.6.2 Artikel 6:197 BW: de tijdelijke regeling verhaalsrechten ................................................... 19
2.6.3 Geen subrogatie ten nadele van de verzekerde ................................................................ 19
2.6.4 Revindicatie ...................................................................................................................... 19
Hoofdstuk 3. Risicomanagement in relatie tot de brandverzekering .................................................. 20
3.1 Inleiding .................................................................................................................................. 20
3.2 Wat is een risico? .................................................................................................................... 20
3.2.1 Soorten risico’s ................................................................................................................. 20
3.3 Wat is risicomanagement en waarom is het belangrijk? .......................................................... 20
3.3.1. Risico’s verschillen per organisatie en individu ................................................................. 21
3.3.2 Risicobereidheid ............................................................................................................... 21
3.3.3 Risicocapaciteit................................................................................................................. 21
3.3.4 Risicocultuur..................................................................................................................... 21
3.3.5 Risicoperceptie ................................................................................................................. 21
3.4 Het risicomanagementproces .................................................................................................. 21
3.4.1. Stappen in het risicomanagementproces ......................................................................... 21
3.5 Risicomanagement als ondersteuning voor brandverzekeringen ............................................. 24
3.5.1 Risicomanagement is geen inspectie................................................................................. 24
3.5.2 Risicomanagement vanuit verzekeraars en makelaars ...................................................... 24
3.5.3 Diensten ........................................................................................................................... 24
3.6.1 Zwarte zwanen en unknown unknowns ............................................................................ 24
3.7 Business continuity management ............................................................................................ 25
3.7.1 Fasen ................................................................................................................................ 25
3.7.2 Toegevoegde waarde van BCM......................................................................................... 25
Hoofdstuk 4. Risicobeoordeling en preventie .................................................................................... 26
4.1 Beoordeling brandrisico .......................................................................................................... 26
4.1.1 Het verschijnsel brand en aanverwante begrippen ........................................................... 26
4.1.2 Technische risicofactoren ................................................................................................. 28
4.1.3 Menselijke risicofactoren (morele risico’s) ........................................................................ 31
4.1.4 Klimaatrisico’s .................................................................................................................. 31
4.2 Preventie en bestrijding van brand .......................................................................................... 32
4.2.2 Blusmiddelen ....................................................................................................................... 32
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, 4.2.3 Bedrijfsbrandweer ................................................................................................................ 33
4.2.4 Stichting Salvage .................................................................................................................. 33
4.2.5 Organisatorische preventie................................................................................................... 35
4.2.6 Bouwkundige preventie........................................................................................................ 35
4.3 Beoordeling ontploffingsrisico ................................................................................................. 36
4.3.1 Vatontploffing en preventiemaatregelen .......................................................................... 36
4.3.2 Reactieontploffing en preventiemaatregelen .................................................................... 37
4.4 Beoordeling risico blikseminslag .............................................................................................. 37
4.5 Beoordeling broeirisico ........................................................................................................... 37
4.6 Beoordeling risico batterijbranden .......................................................................................... 38
4.6.1 Het ontstaan van een batterijbrand .................................................................................. 38
4.7 Beoordeling risico zonnepanelen ............................................................................................. 38
4.7.1 Eigendom ......................................................................................................................... 38
4.7.2 De risico’s ......................................................................................................................... 38
4.7.3 Keuring ............................................................................................................................. 39
4.8 Vaststelling van de omvang van het risico................................................................................ 39
4.8.1 Brand technische inspectie ............................................................................................... 39
4.8.2 Maximum possible loss en estimated maximum loss ........................................................ 39
4.8.3 Cerificerende instellingen ................................................................................................. 39
Hoofdstuk 5. Risicobeoordeling inbraak en overige gevaren.............................................................. 40
5.1 Risicobeoordeling inbraak-/diefstalrisico ................................................................................. 40
5.2 BORG-regeling ......................................................................................................................... 40
5.3 VEB-regeling............................................................................................................................ 40
5.4 VRKI 2.0................................................................................................................................... 40
5.4.1 Deel A............................................................................................................................... 41
5.4.2 Deel B ............................................................................................................................... 41
5.4.3 VRKI-procedure ................................................................................................................ 42
5.4.4 Stap 1. Bepaling attractiviteit goederen en inventaris ....................................................... 43
5.4.5 Stap 2. Bepaling totale waarde goederen/inventaris ......................................................... 43
5.4.6 Stap 3. Risicoklasse bepalen.............................................................................................. 43
5.4.7 Stap 4. Bijbehorende beveiligingsmaatregelen bepalen .................................................... 43
5.4.8 Stap 5. Programma van eisen opstellen ............................................................................ 43
5.4.9 Stap 6. Beveiligingsplan opstellen ..................................................................................... 44
5.4.10 Stap 7. Beveiligingsmaatregelen uitvoeren ..................................................................... 44
5.5 Politiekeurmerk Veilig Wonen (PKVW) .................................................................................... 44
5.5.1 Beheer en handhaving PKVW ........................................................................................... 44
3
, 5.6 Keurmerk Veilig Ondernemen ................................................................................................. 45
5.7 Klimaatrisico’s ......................................................................................................................... 45
5.7.2 Preventie tegen schade door neerslag: wadi ..................................................................... 45
5.7.3 Klimaatstresstest .............................................................................................................. 45
5.7.4 Hagelschade ..................................................................................................................... 45
5.8 Asbest ..................................................................................................................................... 46
5.8.1 Opruimingskosten ............................................................................................................ 46
5.8.2 Rol Stichting Salvage bij asbestbranden ............................................................................ 46
5.9 Nieuwe ontwikkelingen ........................................................................................................... 46
5.10.1 Stormschade en preventiemaatregelen .......................................................................... 47
5.10.2 Waterschade .................................................................................................................. 47
Hoofdstuk 6. Beursverkeer................................................................................................................ 48
6.1 VNAB....................................................................................................................................... 48
6.1.1 Clausules .......................................................................................................................... 48
6.1.2 Beursgebruiken ................................................................................................................ 48
6.1.3 Spelers ............................................................................................................................. 48
6.2 De registermakelaar in assurantiën (RMiA) .............................................................................. 48
6.3 Risicodragers (aanbieders) ...................................................................................................... 49
6.4 Horizontale en verticale coassurantie ...................................................................................... 49
6.4.1 Drop-downclausule .......................................................................................................... 49
6.5 Leaders en volgers................................................................................................................... 50
6.6 Internationale verzekeringsprogramma’s ................................................................................ 50
6.6.1 Mogen in het buitenland gelegen risico’s in Nederland worden verzekerd? ...................... 51
Hoofdstuk 7. Algemene Verzekeringsvoorwaarden VMZB 2021 ........................................................ 53
7.1 Beurspolissen, makelaarspolissen en maatschappijpolissen..................................................... 53
7.2 Begripsomschrijvingen ............................................................................................................ 53
7.2.1 De VMZB 2021 .................................................................................................................. 53
7.2.2 Bedrijfsregeling Brandregres............................................................................................. 56
7.2.3 Alle brandverzekeraars? ................................................................................................... 57
7.3 Verbrugging ............................................................................................................................ 58
7.4 Roerende zaken van derden .................................................................................................... 58
7.5 Samenloop .............................................................................................................................. 58
7.6 Overgang van het belang (risico) ............................................................................................. 58
7.7 Overgang van de verzekering .................................................................................................. 58
7.8 Premiebetaling ........................................................................................................................ 59
7.8.1 Delcredere........................................................................................................................ 60
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