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Afsnit 4: Assurandørens ret til at overtage forsikringsgenstanden ved udbetaling af erstatning

  • § 5-19. Assurandørens ret til at overtage forsikringsgenstanden

    Ved betaling af erstatning for skade og totaltab træder assurandøren ind i forsikredes ret til forsikringsgenstanden eller de dele heraf, der er erstattet, medmindre assurandøren senest ved udbetalingen giver afkald på retten. § 2-4 finder ligeledes anvendelse.

    Ved totaltab er forsikrede forpligtet til at sørge for, at assurandøren har adkomst til forsikringsgenstanden, og at udlevere alle dokumenter, der er af betydning for forsikrede som ejer. Omkostninger, der påløber i denne forbindelse, bæres af assurandøren.

    Ved skade finder § 5-13, stykke 2, første punkt tilsvarende anvendelse.

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    Clause 5-19. Right of the insurer to take over the object insured

    Sub-clause 1  confirms the principle that, upon payment of compensation, the insurer is subrogated to the assured’s rights in the object insured or such parts thereof as he has indemnified. The rule applies to damage as well as to total loss, and entails that the insurer takes over all the object...

  • § 5-20. Hæftelser på forsikringsgenstanden

    Hvis assurandøren, efter at have overtaget hele eller dele af forsikringsgenstanden i medfør af § 5-19, bliver pålagt at bekoste bortskaffelse af den, skal forsikrede refundere assurandøren den del af omkostningerne, der overstiger værdien af det bortskaffede.

    Hvis der er et krav på forsikringsgenstanden for ansvar, der ikke omfattes af forsikringen, skal forsikrede for så vidt holde assurandøren skadesløs.

    Hvis forsikrede for at begrænse sit ansvar overfor tredjepart skal forlade fartøjet, kan dette ske uden hindring af assurandørens ret efter § 5-19.

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    Clause 5-20. Charges on the object insured

    Sub-clause 1 regulates the position where the insurer is ordered to remove objects (wreck, equipment) which he has taken over. In the 1964 Plan, the rule applied only to the insurer’s take-over of the wreck; now it also applies to damage, e.g., where the insurer has taken over ownership of a lost...

  • § 5-21. Bevaring af forsikringsgenstanden

    Assurandøren svarer for omkostningerne ved nødvendige foranstaltninger til bevarelse af forsikringsgenstanden efter det havari, der giver forsikrede ret til totaltabserstatning. Forsikrede er forpligtet til at træffe sådanne foranstaltninger, også efter at forsikringsgenstanden er overtaget af assurandøren, såfremt denne ikke selv har lejlighed til at varetage sine interesser.

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    Clause 5-21. Preservation of the object insured

    Under Cl. 3-30, it is the assured’s duty to take measures to avert or minimise loss, and under Cl. 4-12 the insurer shall cover the costs involved in such measures. However, it may be doubtful whether these rules are applicable if it has already been established that a total loss has occurred,...

  • § 5-22. Assurandørens ret til erstatning for skade på forsikringsgenstanden

    Assurandøren indtræder i forsikredes krav mod tredjepart om erstatning for skade på forsikringsgenstanden. Dette gælder dog ikke krav efter forsikringsaftale.

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    Clause 5-22. Right of subrogation of the insurer in respect of damage to the object insured

    When the insurer takes over the object insured, the question arises as to what will happen to the claims for damages the assured has against third parties in connection with damage to the object insured. If a claim has arisen from the casualty that has resulted in a total loss, the matter is clea...

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