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Samenvatting Hoofdstuk 5 - verzekeringen en vrijwilligers
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Hoofdstuk 5 - verzekeringen en vrijwilligers
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Bundel 5 – Verzekeringen en vrijwilligersInhoud
1. Soorten verzekeringen..........................................................................................................3
1.1 Schade- versus personenverzekering..............................................................................3
2. De verzekeringsovereenkomst..............................................................................................4
2.1 Bestanddelen:................................................................................................................4
3. Een paar principes...............................................................................................................4
3.1 Mededelingsplicht (Verplichtingen verzekeringnemer/verzekerde)...................................4
3.1.1 Inhoud (art. 58 Verz.W.):...........................................................................................4
3.1.2 Sancties en gevolgen:...............................................................................................4
3.2 Dekking verlenen (Verplichtingen verzekeraar)................................................................5
3.2.1 Zelfs bij (grove) schuld (art. 62 Verz.W.):....................................................................5
3.2.2 Uitzonderingen:........................................................................................................5
3.3 Verzekering Burgerlijke Aansprakelijkheid (BA):...............................................................5
3.4 Verzekerden : (wie is opgenomen in polis B.A.?)..............................................................6
3.5 Persoonlijke ongevallen:.................................................................................................6
3.6 Rechtsbijstand:..............................................................................................................6
3.7 Brandverzekering:...........................................................................................................6
3.8 Duur en einde van de verzekeringsovereenkomst:...........................................................6
Duur:................................................................................................................................6
Einde:..............................................................................................................................6
3.9 Objectieve aansprakelijkheid:.........................................................................................6
4. Polis georganiseerd vrijwilligerswerk.....................................................................................8
4.1 Wat is Vrijwilligerswerk?.................................................................................................8
4.1.1 Voorbeelden van vrijwilligerswerk:............................................................................8
4.1.2 Geen vrijwilligerswerk als:.........................................................................................8
4.2 Organisaties die vallen onder de Vrijwilligerswet.............................................................9
4.2.1 Privaatrechtelijke organisaties (met RPH):.................................................................9
4.2.2 Publiekrechtelijke organisaties:................................................................................9
4.3 Organisaties zonder rechtspersoonlijkheid (Feitelijke Verenigingen)................................9
4.3.1 Voorbeelden van feitelijke verenigingen:....................................................................9
4.4 Verzekering van Vrijwilligers..........................................................................................10
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, 4.4.1 Verplichtingen van de organisatie:...........................................................................10
4.4.2 Specifieke Dekkingen van de Vrijwilligersverzekering:..............................................10
4.5 Gratis Verzekering voor Vrijwilligerswerk in Vlaanderen.................................................10
4.5.1 Dekking:.................................................................................................................10
4.5.2 Beperkingen:..........................................................................................................12
5. Case Study.........................................................................................................................12
5.1 Komen onderstaande activiteiten voor gratis verzekering in aanmerking?.......................12
6. Conclusie...........................................................................................................................13
7. Tabel (verschillen)...............................................................................................................14
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