{"id":25302,"date":"2025-10-29T18:20:09","date_gmt":"2025-10-29T16:20:09","guid":{"rendered":"https:\/\/www.elcol-legi.org\/w\/les-obligacions-davant-la-contractacio-de-lasseguranca\/"},"modified":"2025-10-30T11:06:37","modified_gmt":"2025-10-30T09:06:37","slug":"les-obligacions-davant-la-contractacio-de-lasseguranca","status":"publish","type":"post","link":"https:\/\/www.elcol-legi.org\/w\/es\/les-obligacions-davant-la-contractacio-de-lasseguranca\/","title":{"rendered":"Les obligacions davant la contractaci\u00f3 de l\u2019asseguran\u00e7a\u2028"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column width=&#8221;3\/4&#8243;][vc_column_text css=&#8221;&#8221;]<\/p>\n<h2 class=\"p1\"><b>Las obligaciones ante la contrataci\u00f3n de un seguro<\/b><\/h2>\n<p>[\/vc_column_text][stm_spacing lg_spacing=&#8221;6&#8243; md_spacing=&#8221;6&#8243; sm_spacing=&#8221;6&#8243; xs_spacing=&#8221;6&#8243;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p class=\"p1\">Cliente, asegurado y beneficiario: tres compromisos diferentes<\/p>\n<p>[\/vc_column_text][vc_single_image source=&#8221;featured_image&#8221; img_size=&#8221;850&#215;350&#8243;][vc_column_text css=&#8221;.vc_custom_1761815182137{margin-bottom: 20px !important;}&#8221;]<\/p>\n<p class=\"p1\">Vamos a analizar en esta nota cu\u00e1les son las obligaciones legales del tomador y del asegurado,<span class=\"Apple-converted-space\">\u00a0 <\/span>y del beneficario, con ocasi\u00f3n de la contrataci\u00f3n de un seguro y durante su vigencia, partiendo de la premisa de que, conforme al art. 1090 del C\u00f3digo Civil, las obligaciones legales no se presumen y s\u00f3lo son exigibles las expresamente determinadas en las leyes.<\/p>\n<p class=\"p1\">Debemos partir igualmente de la premisa de que, conforme al art 7 de la Ley de Contrato de Seguro, cuando el tomador y el asegurado son personas distintas, corresponden al tomador las obligaciones y deberes salvo aquellos que por su naturaleza deban ser cumplidos por el asegurado, no obstante lo cual el asegurador no puede rechazar el cumplimiento de las obligaciones del tomador por parte del asegurado. Por lo tanto, cuando la ley hace menci\u00f3n gen\u00e9rica del <i>asegurado<\/i>,<span class=\"Apple-converted-space\">\u00a0 <\/span>cuando se trate de obligaciones legales, puede estar referi\u00e9ndose realmente al tomador del seguro, si es persona distinta del asegurado, e indistintamente a ambos si se trata de la misma persona.<\/p>\n<p class=\"p1\">1.- <span class=\"s1\">Firma de la p\u00f3liza (art 3 LCS)<\/span>: m\u00e1s exactamente, el art 3 LCS contempla la obligaci\u00f3n del tomador de firmar las condiciones generales de la p\u00f3liza, y de aceptar espec\u00edficamente las cl\u00e1usulas limitativas. Pero esta obligaci\u00f3n s\u00f3lo se vuelve contra el tomador, si ha sido espec\u00edfica y concretamente requerido por la aseguradora para la firma de la p\u00f3liza. En otro caso, la falta de firma benefic\u00eda al tomador y al asegurado pues impide la aplicaci\u00f3n de las cl\u00e1usulas limitativas, all\u00e1 donde se encuentren, pero sobre todo si constan en el condicionado general: Sentencias del Tribunal Supremo n\u00fam. 402\/2015 de 14 de julio de 2015 , citada y n\u00fam. 76\/2017, de 9 de febrero de 2017, entre otras<\/p>\n<p class=\"p3\">2.- <span class=\"s1\">Declaraci\u00f3n de las circunstancias del riesgo conforme al cuestionario que le someta la aseguradora<\/span> (art. 10 LCS) El art 10 establece la obligaci\u00f3n del tomador de declarar las circunstancias del riesgo conforme al cuestionario que le someta la aseguradora. Queda eximido de tal deber si la aseguradora no le somete a cuestionario, o s\u00ed, a\u00fan someti\u00e9ndole a \u00e9l, se trata de circunstancias que puedan incidir en la valoraci\u00f3n del riesgo pero que no est\u00e9n incluidas en el cuestionario. Normalmente este cuestionario ser\u00e1 presentado con ocasi\u00f3n de la contrataci\u00f3n, y la jurisprudencia considera equivalente o equiparable al cuestionario las declaraciones sobre el riesgo insertadas en<span class=\"Apple-converted-space\">\u00a0 <\/span>el condicionado particular de la p\u00f3liza, y atribuidas en \u00e9l al tomador o asegurado:<span class=\"s2\"> Sentencias del Tribunal Supremo n\u00fam. 716\/2016 de 12.12.2016, 157\/2016 de 16 de marzo,<span class=\"Apple-converted-space\">\u00a0 <\/span>y 72\/2016, de 17 de febrero, y Sentencia de 4.12.2014.<\/span><\/p>\n<p class=\"p3\">Un art\u00edculo de Josep Llu\u00eds Fern\u00e1ndez, asesor jur\u00eddico del Col\u00b7legi<\/p>\n<p>[\/vc_column_text][vc_btn title=&#8221;Consulta aqu\u00ed la nota exclusiva per col\u00b7legiats\/des&#8221; color=&#8221;primary&#8221; align=&#8221;center&#8221; css=&#8221;&#8221; link=&#8221;url:https%3A%2F%2Fwww.elcol-legi.org%2Fw%2Fdownload%2Fnota-ass-juridica-05-2025-les-obligacions-del-prenedor-de-lassegurat%2F|title:Nota%20Ass.%20Jur%C3%ADdica%2005%2F2025.%20Les%20obligacions%20del%20prenedor%2C%20de%20l%E2%80%99assegurat%20i%20del%20beneficiari%2C%20en%20ocasi%C3%B3%20de%20la%20formalitzaci%C3%B3%20del%20contracte%20d%E2%80%99asseguran%C3%A7a%20i%20durant%20la%20vig%C3%A8ncia&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=&#8221;1\/4&#8243;][stm_spacing lg_spacing=&#8221;50&#8243; md_spacing=&#8221;50&#8243; sm_spacing=&#8221;50&#8243; xs_spacing=&#8221;50&#8243;][vc_column_text]<\/p>\n<h2>\u00daltimas noticias<\/h2>\n<p>[\/vc_column_text][stm_news loop=&#8221;size:4|order_by:date|order:DESC|post_type:post|categories:8&#8243; posts_per_row=&#8221;2&#8243;][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column width=&#8221;3\/4&#8243;][vc_column_text css=&#8221;&#8221;] Las obligaciones ante la contrataci\u00f3n de un seguro [\/vc_column_text][stm_spacing lg_spacing=&#8221;6&#8243; md_spacing=&#8221;6&#8243; sm_spacing=&#8221;6&#8243; xs_spacing=&#8221;6&#8243;][vc_column_text css=&#8221;&#8221;] Cliente, asegurado y beneficiario: tres compromisos diferentes [\/vc_column_text][vc_single_image source=&#8221;featured_image&#8221; img_size=&#8221;850&#215;350&#8243;][vc_column_text css=&#8221;.vc_custom_1761815182137{margin-bottom: 20px !important;}&#8221;] Vamos a analizar en esta nota cu\u00e1les son las obligaciones legales del tomador y del asegurado,\u00a0 y del beneficario, con ocasi\u00f3n de la contrataci\u00f3n de<\/p>\n","protected":false},"author":562,"featured_media":25300,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[439,1867,2105],"class_list":["post-25302","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sense-categoria","tag-mediario-news-es","tag-mn","tag-mn285"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - 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