{"id":25297,"date":"2025-10-29T18:07:04","date_gmt":"2025-10-29T16:07:04","guid":{"rendered":"https:\/\/www.elcol-legi.org\/w\/?p=25297"},"modified":"2025-10-30T11:04:50","modified_gmt":"2025-10-30T09:04:50","slug":"les-obligacions-davant-la-contractacio-de-lasseguranca","status":"publish","type":"post","link":"https:\/\/www.elcol-legi.org\/w\/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>Les obligacions davant la contractaci\u00f3 de l\u2019asseguran\u00e7a<\/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\"><em>Client, assegurat i beneficiari: tres compromisos diferents<\/em><\/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_1761753876384{margin-bottom: 20px !important;}&#8221;]<\/p>\n<p class=\"p1\">Analitzarem en aquesta nota quines s\u00f3n les obligacions legals del prenedor i de l&#8217;assegurat, i del beneficiari, en ocasi\u00f3 de la contractaci\u00f3 d&#8217;una asseguran\u00e7a i durant la seva vig\u00e8ncia, partint de la premissa que, d&#8217;acord amb l&#8217;art. 1090 del Codi civil, les obligacions legals no es presumeixen i nom\u00e9s s\u00f3n exigibles les expressament determinades a les lleis.<\/p>\n<p class=\"p1\">Hem de partir igualment de la premissa que, d&#8217;acord amb l&#8217;art 7 de la Llei de contracte d&#8217;asseguran\u00e7a, quan el prenedor i l&#8217;assegurat s\u00f3n persones diferents, corresponen al prenedor les obligacions i els deures llevat dels que per la seva naturalesa hagin de ser complerts per l&#8217;assegurat, per\u00f2 l&#8217;assegurador no pot rebutjar el compliment de les obligacions del prenedor per part de l&#8217;assegurat. Per tant, quan la llei fa esment gen\u00e8ric de l&#8217;assegurat, quan es tracti d&#8217;obligacions legals, es pot estar referint realment al prenedor de l&#8217;asseguran\u00e7a, si \u00e9s una persona diferent de l&#8217;assegurat, i indistintament a tots dos si es tracta de la mateixa persona.<\/p>\n<p class=\"p1\">1.- <span class=\"s1\">Signatura de la p\u00f2lissa<\/span> (art 3 LCS): m\u00e9s exactament, l&#8217;art 3 LCS contempla l&#8217;obligaci\u00f3 del prenedor de signar les condicions generals de la p\u00f2lissa, i d&#8217;acceptar espec\u00edficament les cl\u00e0usules limitatives. Per\u00f2 aquesta obligaci\u00f3 nom\u00e9s es torna contra el prenedor, si l&#8217;asseguradora ha requerit espec\u00edficament i concretament la signatura de la p\u00f2lissa. En altre cas, la manca de signatura beneficia el prenedor i l&#8217;assegurat perqu\u00e8 impedeix l&#8217;aplicaci\u00f3 de les cl\u00e0usules limitatives, all\u00e0 on es trobin, per\u00f2 sobretot si consten al condicionat general: Sent\u00e8ncies del Tribunal Suprem n\u00fam. 402\/2015 de 14 de juliol de 2015, citada i n\u00fam. 76\/2017, de 9 de febrer de 2017, entre altres.<\/p>\n<p class=\"p3\">2.- <span class=\"s1\">Declaraci\u00f3 de les circumst\u00e0ncies del risc d&#8217;acord amb el q\u00fcestionari que li sotmeti l&#8217;asseguradora<\/span> (art. 10 LCS) L&#8217;art 10 estableix l&#8217;obligaci\u00f3 del prenedor de declarar les circumst\u00e0ncies del risc d&#8217;acord amb el q\u00fcestionari que li sotmeti l&#8217;asseguradora. Queda eximit de tal deure si l&#8217;asseguradora no el sotmet a q\u00fcestionari, o s\u00ed, tot i sotmetre&#8217;l a ell, es tracta de circumst\u00e0ncies que puguin incidir en la valoraci\u00f3 del risc per\u00f2 que no estiguin incloses al q\u00fcestionari. Normalment aquest q\u00fcestionari ser\u00e0 presentat en ocasi\u00f3 de la contractaci\u00f3, i la jurisprud\u00e8ncia considera equivalent o equiparable al q\u00fcestionari les declaracions sobre el risc inserides en el condicionat particular de la p\u00f2lissa, i atribu\u00efdes al prenedor o assegurat: Sent\u00e8ncies del Tribunal Suprem n\u00fam. 716\/2016 de 12.12.2016, 157\/2016 de 16 de mar\u00e7, i 72\/2016, de 17 de febrer, i Sent\u00e8ncia de 4.12.2014.<\/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>\u00daltimes not\u00edcies<\/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;] Les obligacions davant la contractaci\u00f3 de l\u2019asseguran\u00e7a [\/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;] Client, assegurat i beneficiari: tres compromisos diferents [\/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_1761753876384{margin-bottom: 20px !important;}&#8221;] Analitzarem en aquesta nota quines s\u00f3n les obligacions legals del prenedor i de l&#8217;assegurat, i del beneficiari, en ocasi\u00f3 de la contractaci\u00f3 d&#8217;una asseguran\u00e7a i durant<\/p>\n","protected":false},"author":562,"featured_media":25298,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[435,1868,2104],"class_list":["post-25297","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-mediario-news","tag-mn-2","tag-mn285"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - 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