Les différents types de polices d'assurance
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Page 198
L'assurance RC familiale ne fait pas de distinction entre les personnes mariées ou cohabitantes. Une assurance familiale assure toutes les personnes qui habitent sous le même toit.
Dès que l'un des deux partenaires quitte le domicile conjugal, il n'est plus couvert par l'assurance.
Il est donc conseillé au conjoint qui a quitté le domicile conjugal de souscrire une nouvelle police. Ce ne sera toutefois pas nécessaire s'il rejoint quelqu'un qui dispose déjà d'une telle assurance.
Les enfants de parents séparés sont assurés par la police du parent qui dispose du droit de garde. Il est également conseillé aux parents qui disposent du droit de visite de souscrire une RC familiale afin d'être couverts si l'enfant cause un dommage au cours des visites. Dans cette hypothèse, le parent disposant du droit de visite sera responsable.
En ce qui concerne les assurances incendie, il existe une distinction entre les cohabitants et les personnes mariées.
Pour les personnes mariées, le conjoint qui quitte l'habitation devra continuer à contribuer au paiement de l'assurance incendie. Ce sera uniquement une fois que le divorce sera effectif et que l'habitation aura été attribuée à l'un des partenaires que la situation devra être modifiée au niveau de l'assurance.
L'assurance incendie ne couvre pas seulement l'habitation mais également le contenu.
Page 199
Lorsque l'un des deux conjoints quitte le domicile conjugal en emportant une partie du mobilier de valeur, ces objets ne seront plus couverts par la police...
Pour continuer la lecture
SOLLICITEZ VOTRE ESSAI- Livres et Revues
- Introduction
- Les différents types de polices d'assurance
- Check-list
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