'23-'24: Verzekeringsrecht: samenvatting deel 1 (boek 1 verwerkt bij de lesnotities)
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Course
Verzekeringsrecht
Institution
Vrije Universiteit Brussel (VUB)
Book
Algemene beginselen van het Belgische verzekeringsrecht (achtste editie) (paperback)
Dit document betreft een samenvatting van het opleidingsonderdeel 'Verzekeringsrecht', waarbij zowel de powerpoint, lesnotities tijdens de les genomen als het boek 'Algemene beginselen van het Belgische verzekeringsrecht' volledig werden samengevat.
Dit impliceert dat er ook nog een deel 2 zal ko...
Inhoudsopgave
0 ALGEMENE INLEIDING................................................................................................................................. 3
0.1 VERZEKERING: WAT IS DAT?................................................................................................................................3
0.2 RISICO EN VERZEKERING......................................................................................................................................3
0.3 GESCHIEDENIS..................................................................................................................................................4
0.4 TECHNIEK........................................................................................................................................................4
0.5 ECONOMISCHE EN MAATSCHAPPELIJKE ROL.............................................................................................................5
0.6 CONTROLE VERZEKERINGSONDERNEMINGEN – EUROPEES VERZEKERINGSRECHT.............................................................5
0.6.1 Vrijheden Verdrag betreffende werking Europese Unie..........................................................................5
0.6.2 Vrijheid van vestiging..............................................................................................................................5
0.6.3 Vrije dienstverrichting..............................................................................................................................5
0.6.4 Europees verzekeringsrecht – andere ontwikkelingen............................................................................6
0.6.5 Europees verzekeringsrecht – mededingingsrecht..................................................................................6
0.7 CONTROLE VERZEKERINGSONDERNEMINGEN – BELGISCH VERZEKERINGSRECHT..............................................................6
0.7.1 Belgisch verzekeringsrecht – toezichtsautoriteiten.................................................................................6
0.7.2 Belgisch verzekeringsrecht – consumentenbescherming........................................................................7
0.8 SOORTEN VERZEKERINGEN...................................................................................................................................7
0.9 TOEPASSELIJK RECHT..........................................................................................................................................7
DEEL 1: GEMEENSCHAPPELIJKE REGELS AAN ALLE VERZEKERINGEN................................................................8
1 DE VERZEKERINGSOVEREENKOMST............................................................................................................. 8
1.1 DEFINITIE.........................................................................................................................................................8
1.2 WEZENLIJKE BESTANDDELEN................................................................................................................................8
1.2.1 Risico........................................................................................................................................................8
1.2.2 Verzekerbaar belang...............................................................................................................................9
1.2.3 Premie......................................................................................................................................................9
1.2.4 Verzekeringsprestatie............................................................................................................................10
1.3 PREMIES VS ONDERLINGE VERZEKERING...............................................................................................................10
1.4 WETGEVING...................................................................................................................................................11
2 TOTSTANDKOMING VERZEKERINGSOVEREENKOMST.................................................................................11
2.1 GEMEENRECHTELIJKE BEGINSELEN.......................................................................................................................11
2.2 VERZEKERINGSVOORSTEL + AANVRAAG................................................................................................................11
2.3 VOORAF GETEKENDE POLIS................................................................................................................................12
2.4 AANBOD........................................................................................................................................................12
2.5 CONTRACT OP AFSTAND....................................................................................................................................12
3 BEWIJS EN INTERPRETATIE........................................................................................................................ 12
4 VERPLICHTINGEN VAN DE VERZEKERINGNEMER........................................................................................13
4.1 JUISTE OPGAVE VAN HET RISICO.........................................................................................................................13
4.2 BETALING VAN DE PREMIE.................................................................................................................................15
4.3 AANGIFTE RISICOVERZWARING IN DE LOOP VAN DE OVEREENKOMST..........................................................................16
4.4 MAATREGELEN TER VOORKOMING VAN HET SCHADEGEVAL EN, BIJ VERWEZENLIJKING VAN HET SCHADEGEVAL, TER BEPERKING
VAN DE NADELIGE GEVOLGEN ERVAN.........................................................................................................................17
4.5 MELDING VAN HET SCHADEGEVAL......................................................................................................................18
5 VERPLICHTINGEN VAN DE VERZEKERAAR................................................................................................... 19
5.1 VERZEKERINGSPRESTATIE..................................................................................................................................19
5.2 BEVRIJDINGSGRONDEN.....................................................................................................................................20
6 EINDE VAN DE OVEREENKOMST................................................................................................................ 23
6.1 DUUR........................................................................................................................................................... 23
6.1.1 Opzegging na schadegeval....................................................................................................................23
6.1.2 Nietigheid en ontbinding.......................................................................................................................24
1
, 6.1.3 Insolventie verzekeringnemer................................................................................................................24
6.2 GESCHILLENREGELING.......................................................................................................................................25
6.2.1 Verjaring................................................................................................................................................25
6.2.2 Territoriale bevoegdheid.......................................................................................................................26
6.2.3 Arbitrage................................................................................................................................................26
6.2.4 Enkele algemene aspecten....................................................................................................................26
7 MEDE-EN HERVERZEKERING...................................................................................................................... 27
DEEL 2: SOORTEN VERZEKERINGEN.............................................................................................................. 28
8 SCHADEVERZEKERINGEN (ZAAK EN AS)...................................................................................................... 28
8.1 VERZEKERBAAR BELANG....................................................................................................................................28
8.2 INDEMNITAIR BEGINSEL....................................................................................................................................28
8.3 INDEPLAATSSTELLING (SUBROGATIE)....................................................................................................................28
8.4 INDEPLAATSSTELLING EN SUBROGATIE: TEGENWERPELIJKE EXCEPTIES.........................................................................29
8.5 OVERVERZEKERING..........................................................................................................................................29
8.6 SAMENLOOP OP PLURALITEIT VAN VERZEKERINGEN................................................................................................30
8.7 ONDERVERZEKERING........................................................................................................................................31
8.8 OVERGANG INGEVOLGE VAN OVERLIJDEN.............................................................................................................32
9 ZAAKVERZEKERINGEN............................................................................................................................... 33
9.1 WAARDEBEPALING..........................................................................................................................................33
9.2 OVERDRACHT ONDER DE LEVENDEN....................................................................................................................33
9.3 ZAKELIJKE SUBROGATIE.....................................................................................................................................33
9.4 VOORRECHT VAN DE VERZEKERAAR.....................................................................................................................34
10 AANSPRAKELIJKHEIDSVERZEKERINGEN.................................................................................................... 34
10.1 PRINCIPE.....................................................................................................................................................34
10.2 GEDEKTE SCHADE EN POSTERIORITEITSDEKKING...................................................................................................34
10.3 LEIDING VAN HET GESCHIL...............................................................................................................................36
10.4 SCHADEVERGOEDING.....................................................................................................................................38
10.5 RECHTSTREEKSE VORDERING............................................................................................................................39
10.6 REGRES VERZEKERAAR....................................................................................................................................39
11 PERSOONSVERZEKERINGEN..................................................................................................................... 41
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