Translations

Scroll to the top

Afsnit 1: Almindelige regler angående assurandørens ansvar

  • § 4-1. Totaltab

    Ved totaltab kan forsikrede kræve forsikringssummen udbetalt, dog ikke udover forsikringsværdien.

    View CommentaryGo to full Commentary page

    Clause 4-1. Total loss

    This Clause is identical to Cl. 62 of the 1964 Plan. The provision establishes the traditional principle in insurance law that the assured, in the event of a total loss, is entitled to claim the sum insured, however, not in excess of the insurable value. In the event of a total loss, the insurer’...

  • § 4-2. Almindeligt formuetab og tab som følge af forsinkelse

    Medmindre andet er bestemt i denne Plan eller særskilt aftalt, svarer assurandøren ikke for almindeligt formuetab, eller for tidstab, konjunkturtab, markedstab  eller lignende tab som følge af forsinkelse.

    View CommentaryGo to full Commentary page

    Clause 4-2. General financial loss and loss resulting from delay

    This Clause is identical to Cl. 63 of the1964 Plan. The question concerning the interest insured will normally be regulated under the individual type of insurance. However, it should also be addressed in the general part of the Plan for pedagogical reasons. The provision reflects the fact that th...

  • § 4-3. Omkostninger ved sikkerhedsstillelse o.l.

    Hvis forsikrede i anledning af et havari har måttet rejse penge eller stille sikkerhed, kan han kræve rimelige udgifter i forbindelse hermed erstattet af assurandøren. Dette gælder dog ikke, hvis forsikrede uden rimelig grund har undladt at bruge sin adgang til at kræve forskud fra assurandøren efter § 5-7.

    View CommentaryGo to full Commentary page

    Clause 4-3. Costs of providing security, etc.

    This Clause is identical to Cl. 64 of the 1964 Plan. Under Cl. 5-12, the insurer is not obliged to provide security for claims brought by a third party against the assured, which are covered by the insurance. However, if the assured incurs expenses in order to obtain such security, these must,...

  • § 4-4. Sagsomkostninger

    Når et ansvar, der omfattes af forsikringen, gøres gældende mod forsikrede, og når forsikrede gør erstatningskrav gældende mod tredjemand i anledning af tab, der omfattes af forsikringen, svarer assurandøren for påløbne omkostninger, såfremt de foranstaltninger, der er truffet, er godkendt af assurandøren eller må anses for forsvarlige.

    View CommentaryGo to full Commentary page

    Clause 4-4. Costs of litigation

    This Clause is identical to Cl. 65 of the 1964 Plan. There may be doubt as to who shall bear the litigation costs in the event of a dispute between the assured and the insurer as to whether a case against a third party shall be taken to court. In such situations, several insurers with conflicting...

  • § 4-5. Omkostninger i forbindelse med erstatningsopgøret

    Når assurandøren er ansvarlig for tabet, skal han også erstatte nødvendige omkostninger ved fastsættelse af tabet og beregning af erstatningen.

    Har forsikrede rimelig grund til at benytte egen udsendt besigtigelsesmand, svarer assurandøren for nødvendige udgifter til denne.

    View CommentaryGo to full Commentary page

    Clause 4-5. Costs in connection with settlement of claims

    This Clause is identical to Cl. 66 of the 1964 Plan. Sub-clause 1 establishes that the insurer is also liable for the necessary costs of determining the loss and calculating the compensation. The provision covers all expenses incurred after the casualty which are necessary in order to establish...

  • § 4-6. Omkostninger ved foranstaltninger, der vedrører flere interesser

    Hvis der er påløbet omkostninger som nævnt i § 4-3 til § 4-5 ved foranstaltninger, der vedrører flere interesser, svarer assurandøren kun for den del af omkostningerne, som ved en forholdsmæssig fordeling falder på den forsikrede interesse.

    View CommentaryGo to full Commentary page

    Clause 4-6. Costs in connection with measures relating to several interests

    This Clause is identical to Cl. 67 of the 1964 Plan. The provision confirms the principle of apportionment when costs are incurred in connection with measures relating to several interests. The principle of pro rata apportionment is of great practical significance for litigation costs and costs i...