{"id":26668,"date":"2026-02-17T16:55:28","date_gmt":"2026-02-17T14:55:28","guid":{"rendered":"https:\/\/www.elcol-legi.org\/w\/?p=26668"},"modified":"2026-02-17T16:56:39","modified_gmt":"2026-02-17T14:56:39","slug":"les-clausules-limitatives-en-collectius","status":"publish","type":"post","link":"https:\/\/www.elcol-legi.org\/w\/les-clausules-limitatives-en-collectius\/","title":{"rendered":"Les cl\u00e0usules limitatives en col\u00b7lectius"},"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 cl\u00e0usules limitatives en les assegurances col\u00b7lectives<\/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>Perqu\u00e8 tinguin validesa han de ser acceptades per escrit per l\u2019assegurat<\/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_1771339681239{margin-bottom: 20px !important;}&#8221;]<\/p>\n<p class=\"p1\">Segons el Tribunal Suprem, en les assegurances col\u00b7lectives no n\u2019hi ha prou que les cl\u00e0usules limitatives estiguin signades pel prenedor de la p\u00f2lissa, ja que, si no estan signades \u2014i, per tant, acceptades\u2014 per l\u2019assegurat, no se li poden aplicar.<\/p>\n<p class=\"p1\">La recent sent\u00e8ncia del Tribunal Suprem, de 28 de gener de 2026, introdueix aquesta jurisprud\u00e8ncia d\u2019especial import\u00e0ncia en el sector assegurador.<\/p>\n<p class=\"p1\">En totes aquelles assegurances col\u00b7lectives en qu\u00e8 no consti l\u2019exist\u00e8ncia del butllet\u00ed d\u2019adhesi\u00f3 de l\u2019assegurat, ni l\u2019expedici\u00f3 d\u2019un certificat individual en qu\u00e8 se l\u2019informi de les condicions del contracte, es considerar\u00e0 que les cl\u00e0usules limitatives del contracte no poden ser aplicables a l\u2019assegurat.<\/p>\n<p class=\"p1\">Segons l\u2019alt tribunal, aquesta abs\u00e8ncia d\u2019acceptaci\u00f3 expressa de l\u2019assegurat suposa l\u2019incompliment dels requisits que la Llei de Contracte d\u2019Asseguran\u00e7a exigeix a les cl\u00e0usules limitatives en el seu article 3. En aquest article s\u2019exigeix que les cl\u00e0usules limitatives dels drets dels assegurats compleixin una doble exig\u00e8ncia: d\u2019una banda, el deure de destacar de manera especial aquestes cl\u00e0usules limitatives i, de l\u2019altra, que la seva acceptaci\u00f3 sigui espec\u00edfica i per escrit.<\/p>\n<p class=\"p1\">La sent\u00e8ncia del Tribunal Suprem es pronuncia sobre la validesa d\u2019una cl\u00e0usula de delimitaci\u00f3 temporal de la cobertura, coneguda popularment com a <i>claim made<\/i>, en una asseguran\u00e7a col\u00b7lectiva d\u2019un col\u00b7legi professional, en qu\u00e8 la p\u00f2lissa de responsabilitat civil del col\u00b7lectiu estava signada \u00fanicament pel prenedor, el mateix col\u00b7legi professional.<\/p>\n<p class=\"p1\">Les <i>claim made<\/i> en una asseguran\u00e7a de responsabilitat civil professional s\u00f3n cl\u00e0usules limitatives en qu\u00e8 la responsabilitat civil es despla\u00e7a al moment en qu\u00e8 es produeix la reclamaci\u00f3, sempre que la cobertura s\u2019estengui als casos en qu\u00e8 l\u2019obligaci\u00f3 d\u2019indemnitzar hagi nascut almenys un any abans de la vig\u00e8ncia de l\u2019asseguran\u00e7a.<\/p>\n<p class=\"p1\">En el cas concret d\u2019aquest col\u00b7legi professional, l\u2019asseguran\u00e7a de responsabilitat civil professional cobria tots els sinistres reclamats durant la vig\u00e8ncia de l\u2019asseguran\u00e7a, encara que el fet generador s\u2019hagu\u00e9s produ\u00eft abans de la data d\u2019inici de la cobertura; per\u00f2 en cap cas donava cobertura a reclamacions posteriors a la vig\u00e8ncia de l\u2019asseguran\u00e7a, que exigia als assegurats estar col\u00b7legiats. Aquesta situaci\u00f3 es dona en el cas analitzat, en qu\u00e8 es produeix la baixa del professional un any abans de la primera reclamaci\u00f3 del perjudicat.<\/p>\n<p class=\"p1\">La jurisprud\u00e8ncia \u00e9s constant a l\u2019hora d\u2019exigir que, en les assegurances col\u00b7lectives, les cl\u00e0usules limitatives siguin conegudes i acceptades tant pel prenedor com per l\u2019assegurat, a qui s\u2019ha de lliurar un butllet\u00ed d\u2019adhesi\u00f3 i un certificat individual, ambdues obligacions imposades a l\u2019assegurador.<\/p>\n<p class=\"p1\">En el r\u00e8gim jur\u00eddic de les assegurances col\u00b7lectives s\u2019estableix el deure de facilitar als assegurats la informaci\u00f3 que afecti els seus drets i obligacions, la qual haur\u00e0 de constar en els butlletins d\u2019adhesi\u00f3 i en els certificats d\u2019asseguran\u00e7a, abans de la seva signatura.<\/p>\n<p class=\"p1\">L\u2019incompliment d\u2019aquestes obligacions, o la impossibilitat de demostrar-ne el compliment, \u00e9s el motiu pel qual l\u2019alt tribunal obliga l\u2019asseguradora amb p\u00f2lissa en vigor en el moment de produir-se els fets que donen origen a la responsabilitat civil a cobrir la indemnitzaci\u00f3 sol\u00b7licitada pel perjudicat.<\/p>\n<p class=\"p1\"><strong><i>Una not\u00edcia de Carlos Sol\u00eds, assessor del Col\u00b7legi<\/i><\/strong><\/p>\n<p>[\/vc_column_text][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 cl\u00e0usules limitatives en les assegurances col\u00b7lectives [\/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;] Perqu\u00e8 tinguin validesa han de ser acceptades per escrit per l\u2019assegurat [\/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_1771339681239{margin-bottom: 20px !important;}&#8221;] Segons el Tribunal Suprem, en les assegurances col\u00b7lectives no n\u2019hi ha prou que les cl\u00e0usules limitatives estiguin signades pel prenedor de la<\/p>\n","protected":false},"author":562,"featured_media":26669,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[2151,1868],"class_list":["post-26668","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticies","tag-mednews-292","tag-mn-2"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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