INSURANCE CONTRACT

- INSURANCE CONTRACT OF GOODS

Student: Petrescu Eveline Business Administration Group 8812 Coordonator: Lector univ. dr. av. Daj Alexis

CONTENTS
Introduction3 I. II. The history of insurance in Romania...4 Definition and parties of the insurance contract ..4 II.1. Definition...4 II.2. Characteristics of insurance contract..5 II.3. Parties involved in insurance contract7 The mandatory elements of the insurance contract...8 III.1.Insurance interest...8 III.2. The subject and the risk insured...8 III.3.The sum and insurance premium...8 III.4.The loss and indemnity insurance..9 Concluding the insurance contract9 Termination of insurance contract...10 Insurance contracts under the New Civil Code10 LAW on insurance and reinsurance in Romania.12

III.

IV. V. VI. VII.

Conclusions15 Annex.16 References.17

Introduction Insurance is a financial topic of paramount importance for every individual. Insurance is designed to protect the financial well-being of you and your dependents in the case of unexpected loss. Some forms of insurance are required by law, while others are optional. Agreeing to the terms of an insurance policy creates a contract between you and the insurance company. In exchange for payments from you (called premiums), the insurance company agrees to pay you a sum of money upon the occurrence of a specific event. That event may be as mundane as a visit to the doctor or as serious as a car crash, depending on the type of insurance. The insurance contract is a contract whereby the insurer will pay the insured (the person whom benefits would be paid to, or on the behalf of), if certain defined events occur. Subject to the "fortuity principle", the event must be uncertain. The uncertainty can be either as to when the event will happen or as to if it will happen at all.

I.The history of insurance in Romania

The history of insurance in Romania started before 1871 with the help of different manifestations of protection on mutual bases. This kind of manifestations appeared in Transilvania in the XIVth century. The first establishment of this kind was set up in 1744 in Brasov, CASA DE INCENDIU, as result of the merger between mutual associations. After almost 100 years, in 1848, the General Institute of Pensions was founded. This organization appeared also in Brasov and it was a mutual association that insured to its members an annual pension. After the Treaty of Adrianopole from 1829, in Bucharest, Iasi and in Danube ports different organizations that practiced transport, fire and life insurance were established.

II.Definition and parties of the insurance contract. II.1. Definition Insurance legislation defines insurance contract as a legal act through the insured person undertakes to pay a premium to the insurer, and that undertakes that at the time of a risk to pay the insured or the beneficiary the indemnity or the insurance sum, within the limits and the deadlines agreed upon. The insurance contract are governed , on the one hand, by the legal norms contained in normative acts ( laws and decrees ) applicable to any insurance contract , and on the other hand , by the special norms corresponding to each insurance branches

II.2.Characteristics of Insurance Contracts Though all contracts share fundamental concepts and basic elements, insurance contracts typically possess a number of characteristics not widely found in other types of contractual agreements. The most common of these features are listed here: y Aleatory - if one party to a contract might receive considerably more in value than he or she gives up under the terms of the agreement, the contract is said to be aleatory. Insurance contracts are of this type because, depending upon chance or any number of uncertain outcomes, the insured (or his or her beneficiaries) may receive substantially more in claim proceeds than was paid to the insurance company in premium dollars. On the other hand, the insurer could ultimately receive significantly more dollars than the insured party if a claim is never filed. y Adhesion - in a contract of adhesion, one party draws up the contract in its entirety and presents it to the other party on a 'take it or leave it' basis; the receiving party does not have the option of negotiating, revising, or deleting any part or provision of the document. Insurance contracts are of this type, because the insurer writes the contract and the insured either 'adheres' to it or is denied coverage. In a court of law, when legal determinations must be made because of ambiguity in a contract of adhesion, the court will render its interpretation against the party that wrote the contract. Typically, the court will grant any reasonable expectation on the part of the insured (or his or her beneficiaries) arising from an insurer-prepared contract. y Utmost Good Faith - although all contracts ideally should be executed in good faith, insurance contracts are held to an even higher standard, requiring the utmost of this quality between the parties.

Executory -An executory contract is one in which the covenants of one or more parties to the contract remain partially or completely unfulfilled. Insurance contracts necessarily fall under this strict definition; of course, it's stated in the insurance and agreement that the insurer will only perform its obligation after certain events take place (in other words, losses occur). Unilateral -A contract may either be bilateral or unilateral. In a bilateral contract, each party exchanges a promise for a promise. However, in a unilateral contract, the promise of one party is exchanged for a specific act of the other party. Insurance contracts are unilateral; the insured performs the act of paying the policy premium, and the insurer promises to reimburse the insured for any covered losses that may occur. Conditional -A condition is a provision of a contract which limits the rights provided by the contract. In addition to being executory, aleatory, adhesive, and of the utmost good faith, insurance contracts are also conditional. Even when a loss is suffered, certain conditions must be met before the contract can be legally enforced. For example, the insured individual or beneficiary must satisfy the condition of submitting to the insurance company sufficient proof of loss, or prove that he or she has an insurable interest in the person insured. nPersonal contract -Insurance contracts are usually personal agreements between the insurance company and the insured individual, and are not transferable to another person without the insurer's consent. As an illustration, if the owner of a car sells the vehicle and no provision is made for the buyer to continue the existing car insurance (which, in actuality, would simply be the writing of the new policy), then coverage will cease with the transfer of title to the new owner.

II.3 Parties involved in insurance contract The parties involved in the insurance contract are : the insurer , the insired person( the policyholder) , contractor insurance and beneficiary. The insurer - is the insurance company (legal person) ,who in return for insurance premium cashed at the insured, assumes the obligation to pay to the insured (or to the insurance beneficiary ) the indemnity which are appropriate for the case of destruction or damage to insured property as a result of the production risks insured (in case of insurance of goods). The insured person (policyholder) - is a legal or individual person who, in return for insurance premium paid to the insurer , they ensure the goods against calamities of nature, accidents or against certain events that occur in his life. Contractor insurance is the person that can conclude an insurance contract without having the quality of the insured. In most of cases, the contractor insurance is one and the same person as the insured person , but there are situations in which the contractor insurance is a different person. Insurance beneficiary - is the person assigned to take the indemnity or insurance sum at insured event stipulated in the contract and, in most of cases, the beneficiary is one and the same person as the insured person.

III. The mandatory elements of the insurance contract The insurance contract contain the following elements: insurance interest, the insurance subject and risk , the insurance sum and premium , the loss and indemnity insurance. III.1. Insurance interest The insurance interest represent a basic principle of insurance with the principle of indemnity and the principle of good faith. In the case of insurance of goods the insurance interest is given by the existence of a legitimate economic relationships with that good. Usually the interest at the insurance is the owner of the good and also other persons. The termination of interest involve the cancellation of insurance for this person. III.2. The subject and the risk insured Through the object of insurance we understand what we insured: some goods , the indemnity payable by the insured as a result of its civil liability towards a person or an attribute of a person. So, the insured object is the patrimonial or non-patrimonial values at risk. The risk is the essential of the insurance contract , without the existence of which the insurance would not be possible. III.3. The sum and insurance premium The insurance sum is the amount of insurance value for which the insurer assumes responsibility for the event of which has been completed to ensure. In case of goods insurance , the insurance sum cannot exceed the real value of the good at the date of insurance and is established by the parties in the insurance contract. Through the mechanism of insurance is not permitted to grant some compensation higher than the real value since it can arouse the interest of the insured to trigger the case of insured. Instead, the insurance sum may be lower fair value of the good, the procedure called under-insurance.

The insurance premium is the amount of money that the insured is indebted , on the basis of the insurance contract or the law, to pay the insurer for the guaranty which it offers. So insurance premium is the price paid by the policyholder for the insurer to take the risk. Insurance premium = Insurance sum x Premium rate (%)

III.4. The loss and indemnity of insurance The loss or damage represent the loss expressed in value suffered by an insured good as a result of the occurrence of any insured risk. The indemnity of insurance represent the amount of money which the insurer pay to the insured person for the reconstruction of destroyed by an insured risk In the practice of insurance of goods are used three principles applied to the award of damages: y y y the principle of proportional liability the principle of risk the principle of limited liability

IV. Concluding the insurance contract Concluding the insurance contract is preceded by a few steps on the basis of which determine the terms and conditions of its final. 1. Statement preparation or the application for insurance is a stage in which the insured person manifesting its desire to conclude the insurance and provide information necessary for risk assessment. 2. assessment of the level of risk represents a special importance for the insurer because according to this element will appreciate if it can accept the protection through the insurance and the size of the premium.

3.

The preparation time of the insurance contract is considered along with the payment of insurance premiums and the issue of insurance documents and is valid exclusively for property and risks specified in the policy

V.The end of the insurance contract Usually the insurance contract with specified period stops when it came to term , respectively at the end of the period for which it was concluded. In other cases , the insurance contract stops at the production of insured event .

VI.Insurance contracts under the New Civil Code Law no. 287 of 17 July 2009 on the Civil Code, republished in the Official Journal of Romania no. 505 of 15 July 2011 (the New Civil Code) will come into effect on 1 October 2011. The New Civil Code will regulate, among other things, the main aspects pertaining to insurance contracts. Consequently, most of the provisions under Law no. 136/1995 in this matter will be repealed as from 1 October 2011 (although Law 136/1995 will still regulate, in principle, the compulsory civil liability insurance for damages resulting from car accidents). The New Civil Code regulates insurance contracts in general, as well as various types of insurance, such as insurance of goods, insurance of persons, civil liability insurance, credit and guarantees insurance, financial loss insurance.

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Some of the main changes made to insurance contracts under the New Civil Code are briefly presented below: y A novelty brought by the New Civil Code is that it expressly provides that misrepresentation or nondisclosure made in bad faith by the insured or the insurance contractor, of circumstances that would be decisive for the insurer in assuming the risks covered, shall trigger nullity of the insurance contract. In such a case, the insurer will be entitled to withhold the insurance premiums already received, and require the payment of the premiums due up to the time when the causes of nullity are known. The New Civil Code also lays down regulations for situations when it cannot be established whether misrepresentation or nondisclosure was made in bad faith, in which case the insurance contract will not be invalidated. y A new rule provides that the insurer may not assign the insurance contract without the written approval of the insured. This rule shall not apply to assignment of portfolios between insurers made according to special regulations. Insofar as insurance of goods is concerned, the New Civil Code sets forth that, if not otherwise agreed between the parties, the transfer of ownership of the insured asset shall not trigger the termination of the insurance contract, which will continue to produce effects in respect of the insurer and the acquirer of the asset (under Law no. 136/1995, the sale of an insured asset triggers the termination of the insurance contract if the parties have not otherwise agreed). y Insofar as insurance of persons is concerned, where a risk insurance coverage is taken for an individual, other than the one who signs the insurance contract, such insurance will only be valid if the individual in question has expressed approval in writing. Under the applicable legal provisions, if an insurance contract is concluded by another person than the insured one, no consent by the insured is required.

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It should be noted that under Law no. 71/2011 for the implementation of Law no. 287 of 17 July 2009 on the Civil Code, insurance contracts concluded prior to the enactment of the new code shall continue to be governed by the law in effect at the date of their conclusion. In light of this provision, the New Civil Code will have an impact in particular on the insurance contracts entered into as of 1 October 2011. In this respect, a revision of the general terms and of the standard insurance contracts would be advisable.

VII.LAW on insurance and reinsurance in Romani

Concluding of the contract. Rights and obligations

Art. 9. By insurance contract, the insured undertakesto pay a premium to the insurer, while this undertakes to pay the insured or the beneficiary, upon a risk taking place, the compensation or the insured amount, further to be called indemnity, within the agreed limits and terms. Art. 10. The insurance contract is concluded inwritten form and shall include: - the name or denomination, domicile or head office of the contracting parties; - the object of insurance: goods, persons and civil liability; - the risks to be insured; - the moment of starting and that of ceasing the responsibility of the insurer; - the insurance premiums; - the insured amounts; - other elements that establish the rights and obligations of the parties. The insurance contract cannot be proved through witnesses even if there is a beginning of written proof.

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Art. 11. The proof of concluding the insurance contract also results from the issuing and sending of an insurance document such as the policy or certificate, the request for payment of the premium or from the document by which the will of the insurer to conclude the contract is expressed. Art. 12. The insurance document can be, as the case may be, nominal, to order or to bearer. Art. 13. The person that is to conclude the insurance is obliged to answer, in writing, the questions formulated by the insurer, with regard to the essential circumstances referring to risk, that he knows. If the essential circumstances regarding the risk are modified during the implementation of the contract, the insured is obliged to communicate in writing the change to the insurer. Art. 14. If before the beginning of the insurers obligations the insured risk has taken place or its taking place has become impossible, as well as in the case in which, after the beginning of the insurers obligations the taking place of the insured risk has become impossible, the contract is cancelled by law. Art. 15. The payment of the premiums shall be made to the insurers head office or that of his representatives, in the absence of an other clause stipulated in the insurance contract, established by the parties. Art. 16. The proof of the insurance premiums payment is incumbent on the insured, the finding document being the insurance policy, the receipt, the order of payment or other proving document of the payment. Art. 17. If not otherwise agreed upon, the insurance contract is cancelled in the case in which the amounts due by insured, as premium, are not paid within the time stipulated in the insurance contract.

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Art. 18. The insurer has the right to compensate the premiums due until the end of the insurance year, on the basis of any contract, by any due indemnity to the insured or beneficiary.

Art. 19. The insured is obliged to notify the insurer the taking place of an insured risk, within the time stipulated in the insurance contract. In case of non-fulfilment of the obligation stipulated in the previous paragraph the insurer has the right to refuse the payment of the indemnity, if for this reason he could not determine the reason for the insured event having taken place and the extent of the damage. Art. 20. In the cases established through the insurance contract, in the insurance of goods and civil liability, the insurer does not owe indemnity, if the insured risk was deliberately caused by the insured or by the beneficiary or by a member in the management of the insured legal person, that works in this capacity. The provisions of the previous paragraph also apply, if the parties agree upon, in the case that the insured risk was caused by: a) the natural persons of age that, permanently, live and keep house together with the insured or the beneficiary; b) the representatives of the insured or of the beneficiary. Art. 21. In case the insurance contract is modified,by the agreement of the parties, denounced or is cancelled, the payment or, as the case may be, the return of the premiums shall be made according to the insurance contract or the judicial decision.

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Concluzions Certainly, 10 years ago, our reception of the need to protect damaged parties was almost inexistant, but I believe that also at present there are a lot of stepts to be taken and even though there are always good intentions, new factors appear which will delay the evolution of the system in Romania. Additional obstacles in the system evolution will be: - the increase of the loss ratio as up to the level of that in the EU. In Romania profit was recorded out of TPL business for a long time at a loss ratio of below 70%, which endured up to the time when the TPL premiums were liberalized. - the occurence of the first financial problems (bankrupcies), experienced by many European countries in the past, after the TPL insurance was liberalized. - the increase of the standard of living, the prices for utilities and services, but also the level of education.

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ANNEX

* GWP Gross Written Premiums

Source: CEA Annual Report, 2009

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References 1. http://web.finweb.com/insurance/characteristics-of-insurance-contracts.html 2. http://www.kpmg.com/RO/en/IssuesAndInsights/ArticlesPublications/Newsflashes/A dvisory/Legal-Newsflash/Documents/Legal_13_EN.pdf 3. Gheorghe Dinica ,Asigurari Comerciale 2008-2009 4. http://www.cdep.ro/legislatie/eng/vol47eng.pdf 5. http://www.investorguide.com/igu-article-344-insurance-basics-introduction-toinsurance.html 6. http://rbd.doingbusiness.ro/ro/1/articole-recente/9/474/banking-and-insurancemarket-overview-cee-and-romania 7. http://www.avocatnet.ro/content/articles?id=2894

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CONTRACT DE ASIGURARE

Art. 1. PARTILE CONTRACTANTE Societatea de Asigurari ............. cu sediul n ............ nregistrata la Registrul Comertului sub nr. ............. avnd cod fiscal nr. ............. cu contul nr. ............., reprezentata prin .................. n calitate de ASIGURATOR si Dl. /D-na. .................. domiciliat n ................. str. .........., nr. ....., identificat cu B.I. seria ............ nr. .........., n calitate de ASIGURAT.

Art. 2. OBIECTUL ASIGURARII ASIGURATORUL presteaza asigurarea autovehiculului marca ............. cu nr. ................ pentru riscurile de avarie ca urmare a ciocnirii, tamponarii, coliziunii, rasturnarii, lovirii si caderii, de furt (total, partial sau tentativa) si de tlharie, obligndu-se n limitele si n conditiile care urmeaza, sa despagubeasca pierderea totala sau daunele materiale si directe pricinuite autovehiculului asigurat, att n stationare, ct si n circulatie.

Art. 3. POLITA DE ASIGURARE Pentru autovehiculul asigurat, ASIGURATORUL emite polita de asigurare, n baza careia se angajeaza ca la producerea evenimentului asigurat sa despagubeasca pe ASIGURAT, nominalizat n polita, cu conditia ca ASIGURATORUL sa fi ncasat primele de asigurare stabilite n aceasta. Astfel, asigurarea acopera cazurile n care autovehiculul este condus de proprietar, sotia (sotul) acestuia, precum si de alte persoane fizice care n mod statornic locuiesc si gospodaresc mpreuna cu ASIGURATUL. La solicitarea ASIGURATULUI polita poate fi extinsa si asupra altor persoane, prin plata unei prime suplimentare. Polita va cuprinde autovehiculul si sumele asigurate. Se pot aduce modificari la polita de asigurare oricnd n cursul valabilitatii acesteia, cu acordul ambelor parti. n asemenea cazuri, ASIGURATORUL emite un supliment la polita n vigoare, care va face parte integranta din aceasta.

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Pentru a fi valabila, la ncheierea politei de asigurare ASIGURATUL va prezenta actele originale ale autovehiculului (certificat de nmatriculare si/sau carte de identitate etc.), precum si dovada efectuarii unei inspectii asupra starii tehnice a acestuia.

Art. 4. EXCLUDERI 1. Pentru riscurile de furt sau tlharie, asigurarea nu acopera dect furturile si tlhariile declarate si confirmate de politie. Astfel, ASIGURATORUL nu-l despagubeste pe ASIGURAT pentru: a) daunele determinate de reaua intentie sau culpa grava a ASIGURATULUI, precum si a persoanelor autorizate de acestia sa conduca, sa repare sau sa pastreze autovehiculul asigurat; n sensul prezentei excluderi, prin culpa grava se ntelege parasirea autovehiculului nencuiat, lasarea cheilor n contact, neschimbarea broastelor ca urmare: - a pierderii sau furtului cheilor; - a furtului ori a unei tentative de furt prin fortarea ncuietorilor. b) furtul pieselor si a partilor componente de rezerva si a echipamentului suplimentar cu care autovehiculul nu este dotat din fabricatie, a combustibililor, lubrifiantilor si a oricaror bunuri aflate n autovehicul; c) furtul "aparatelor audio/video" precum aparate radio, telefoane celulare, casetofoane, unitati compact disc, aparate de nregistrat si alta aparatura similara, chiar daca sunt fixate pe autovehiculul asigurat. ASIGURATORUL despagubeste totusi, furtul "aparatelor audio/video" integrate n bordul autovehiculului si care constituie dotare de serie, fiind incluse n pretul de catalog al autovehiculului asigurat. 2. Pentru riscurile de avarii, asigurarea nu acopera dect daunele declarate si constatate de organele de politie. n toate cazurile, asigurarea nu opereaza cnd autovehiculul asigurat nu are certificat/numar sau autorizatie valabile de circulatie sau este condus de o persoana care nu detine permisul corespunzator de conducere sau nu are alte documente prevazute de lege. Asigurarea nu opereaza, de asemenea, cnd persoana care conduce autovehiculul este sub influenta alcoolului sau n stare de ebrietate, precum si daca s-a sustras de la recoltarea probelor biologice privind stabilirea alcoolemiei sau a parasit locul accidentului. ASIGURATORUL nu-l despagubeste pe ASIGURAT pentru:

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a) daunele produse din culpa unei terte persoane conducatoare de autovehicule, care intra sub incidenta asigurarii obligatorii de raspundere civila pentru pagube provocate prin accidente de autovehicule, n limita de despagubire a acestei asigurari; b) daunele determinate de reaua intentie a ASIGURATULUI, precum si a persoanelor autorizate de acestia sa conduca, sa repare sau sa pastreze autovehiculul asigurat; n sensul prezentei excluderi prin culpa grava se ntelege continuarea rularii autovehiculului dupa spargerea baii de ulei ori avarierea cutiei de viteze sau explozia cauciucului. c) daunele cauzate de materiale sau animale transportate n autovehicul; d) daunele produse din cauza tractiunii active sau pasive, precum si prin manevre de mpingere manuala; e) daunele survenite n timpul participarii autovehiculului asigurat la curse sau ntreceri sportive, la respectivele probe oficiale si la verificarile preliminare si finale prevazute n regulamentul specific al competitiei; f) daunele produse n timpul circulatiei n afara drumurilor publice sau a carosabilului, cu exceptia cazului de iesire accidentala de pe carosabil; g) daunele produse pieselor, partilor componente de rezerva si echipamentului suplimentar cu care autovehiculul nu este dotat din fabricatie, combustibililor, lubrifiantilor si a oricaror bunuri aflate n autovehicul; h) daunele cauzate motorului sau altor parti componente ale autovehiculului ca urmare a contactului acestora cu apa n absenta producerii unui risc ce face obiectul prezentului contract.

Art. 5. CLAUZE SPECIALE 1. Evenimente naturale Asigurarea pentru avarii accidentale acopera si daunele materiale si directe produse autovehiculului asigurat de riscurile prevazute la art. 2 ca urmare a furtunii, uraganelor, trombelor de aer, aluviunilor, inundatiilor, grindinei, alunecarilor sau surparilor de teren, precum si a cutremurului. Sunt cuprinse n asigurare si daunele produse de caderea pe autovehicul a unor obiecte (pietre, pomi, turturi). 2. Evenimente socio-politice ASIGURATORUL presteaza asigurarea pentru daunele materiale si directe produse autovehiculului asigurat ca urmare a tulburarilor civile, revoltelor, grevelor, actelor de terorism sau sabotaj, actelor de vandalism.
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3. Ajutor rutier Asigurarea acopera n limita a maximum 1% din suma asigurata, cheltuielile ocazionate de remorcarea autovehiculului avariat, ca urmare a evenimentelor acoperite prin polita, la un atelier de reparatii sau loc de parcare si pentru transportarea la destinatie a ocupantilor autovehiculului. Art. 6. NTINDERE TERITORIALA Asigurarea este valabila pe teritoriul Romniei.

Art. 7. SUMELE ASIGURATE Autovehiculul se asigura la valoarea reala a acestuia la data ncheierii sau rennoirii asigurarii. Prin valoare reala se ntelege valoarea din nou a autovehiculului mai putin uzura, stabilita n raport cu vechimea autovehiculului, potrivit scalei de uzura prevazute n tariful de prime. Valoarea din nou a autovehiculului la data asigurarii reprezinta: a) la autovehiculele de productie romneasca, valoarea de comercializare din nou, n lei, de la data ncheierii asigurarii (inclusiv TVA si celelalte taxe impuse); b) la autovehiculele de productie straina pentru care se solicita ncheierea asigurarii n lei, valoarea de comercializare din nou n valuta convertibila, la care se aplica cursul de schimb valutar al B.N.R. de la data ncheierii asigurarii; c) la autovehiculele de productie straina pentru care se solicita ncheierea asigurarii n valuta convertibila, pretul de comercializare din nou n valuta convertibila. La ncheierea politei de asigurare, pentru asigurarile ncheiate n lei, valoarea reala a autovehiculului poate fi majorata, cu acordul ASIGURATULUI, prin indexare si plata corespunzatoare a primelor de asigurare stabilite n tariful de prime n vigoare. n perioada de valabilitate a politei de asigurare, la cererea ASIGURATULUI, valoarea reala a autovehiculului poate fi reevaluata ca urmare a eventualelor reparatii capitale, dovedite cu acte justificative, precum si n cazul dotarilor suplimentare montate pe autovehicul, altele dect cele existente la ncheierea politei, cu plata corespunzatoare a primelor de asigurare calculate. Prin reparatie capitala a unui autovehicul se ntelege repararea si/sau nlocuirea tuturor pieselor sau subansamblelor din componenta acestuia ce nu mai corespundeau din punct de vedere tehnic, dovedite cu acte justificative emise de o unitate atestata sa efectueze asemenea lucrari.

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Art. 8. DECLARAREA FURTULUI ASIGURATUL va reclama producerea furtului la organele de politie si la ASIGURATOR n aceeasi zi n care a constatat producerea acestuia. ASIGURATUL si/sau utilizatorul autovehiculului va declara ASIGURATORULUI n scris, care au fost circumstantele n care s-a produs evenimentul. ASIGURATORUL si rezerva dreptul de a solicita orice alte date si documente care pot oferi indicii relative la furt si de a efectua orice investigatie necesara n scopul gasirii autovehiculului sau a identificarii autorilor. Cu ocazia reclamarii furtului la ASIGURATOR, vor fi predate si cheile de rezerva ale autovehiculului. Dupa radierea din circulatie a autovehiculului. Dupa radierea din circulatie a autovehiculului se va preda ASIGURATORULUI cartea de identitate a acestuia. Nendeplinirea de catre ASIGURAT sau de catre prepusii acestuia a obligatiilor prevazute n prezentul articol atrage dupa sine decaderea acestuia din dreptul de despagubire. Art. 9. NCHEIEREA ASIGURARII Asigurarea se considera ncheiata prin emiterea politei de asigurare si ncasarea primelor de asigurare si este valabila exclusiv pentru autovehiculul si riscurile specificate n polita. Asigurarea poate fi ncheiata n lei sau n valuta convertibila. Art. 10. NCEPUTUL SI NCETAREA RASPUNDERII Raspunderea ASIGURATORULUI ncepe cel mai devreme n ziua urmatoare datei emiterii politei si ncasarii primei de asigurare si nceteaza n ultima zi din perioada pentru care s-a ncheiat asigurarea.

Art. 11. PERIOADA ASIGURATA Asigurarea se ncheie pe o perioada de ............ ani.

Art. 12. PRIMA DE ASIGURARE Primele de asigurare se achita n rate, din care prima rata se plateste la semnarea politei, iar urmatoarele la datele specificate n polita. Neachitarea unei rate de prima pna la data scadenta are drept consecinta rezilierea automata a politei de asigurare.

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Art. 13. REPARATII, NLOCUIRI N NATURA A BUNURILOR FURATE SAU AVARIATE n afara reparatiilor de urgenta necesare pentru transportarea autovehiculului avariat la atelierul de reparatii sau locul de parcare, ASIGURATUL trebuie sa se abtina de la orice reparatie nainte de a primi acordul ASIGURATULUI. De asemenea, trebuie sa conserve urmele si resturile sinistrului pna la constatarea daunei de catre ASIGURATOR, fara ca prin aceasta sa i se recunoasca dreptul la despagubire. ASIGURATORUL are dreptul: - sa dispuna efectuarea reparatiilor necesare repunerii n stare de functionare a autovehiculului avariat ntr-un atelier ales de acesta; - sa nlocuiasca autovehiculul sau parti din acesta care au fost furate, distruse ori avariate cu unele de acelasi fel; - sa intre n posesia resturilor autovehiculului, ramase n urma evenimentului asigurat. ASIGURATORUL va despagubi contravaloarea costurilor reparatiilor sau nlocuirii pieselor care au fost mentionate n procesul verbal de constatare eliberat de inspectorul de dauna. Plata despagubirilor se va face pe baza facturii si a devizului de reparatie, n original, care se vor depune la dosarul de dauna.

Art. 14. CUANTUMUL DAUNEI a) n cazul producerii evenimentului asigurat care provoaca dauna totala a autovehiculului asigurat, ASIGURATORUL determina cuantumul daunei n baza valorii comerciale a autovehiculului n momentul evenimentului, stabilita conform criteriilor de la art. 7. Totodata daune se va diminua cu valoarea epavei. Aceasta valoare se determina, cu acordul partilor, n functie de preturile de piata ale pieselor ce pot fi recuperate. b) n cazul producerii evenimentului asigurat care cauzeaza daune partiale autovehiculului, ASIGURATORUL determina cuantumul daunei n baza costului reparatiilor sau nlocuirilor partilor componente avariate, adica cheltuielile pentru materiale precum si cele de demontare si montare aferente reparatiilor si nlocuirilor, din care se scade contravaloarea eventualelor recuperari.

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Sunt excluse, n orice caz, cheltuielile pentru modificarile si mbunatatirile aduse autovehiculului cu ocazia reparatiilor, de asemenea, ASIGURATORUL nu raspunde de daunele ce decurg din lipsa de folosinta a autovehiculului sau dintr-o depreciere a sa, oricare i-ar fi cauza; c) n cazul n care costul de reparatie sau de nlocuire, calculat conform lit. b, este mai mare dect diferenta dintre valoarea comerciala a autovehiculului nainte de producerea evenimentului asigurat si cea stabilita dupa producerea acestuia, cuantumul daunei va fi egal cu aceasta diferenta; d) n cazul n care costul de reparatie mai sus prevazut este mai mic dect diferenta sus mentionata, cuantumul daunei este determinat ca la lit. b. Prevederile de la lit. c) si d) se vor aplica cu acordul ambelor parti. n toate cazurile, fransiza sau procentul neacoperit (cu eventualul minim) se suporta de ASIGURAT. Art. 15. FRANSIZA SAU PROCENTUL NEACOPERIT n cazul producerii evenimentului asigurat, ASIGURATORUL va plati ASIGURATULUI cuantumul daunei, determinat potrivit prevederilor de mai sus, din care se scade fransiza sau procentul neacoperit (cu eventualul minim) indicate n polita, care ramn n sarcina ASIGURATULUI. Art. 16. DISPOZITII FINALE n orice mprejurare, ASIGURATUL trebuie sa faca dovada ca riscul produs este acoperit prin polita de asigurare. Sarcina probei revine ASIGURATULUI. Reaua credinta dovedita sau evidenta a ASIGURATULUI absolva ASIGURATORUL de obligatiile de plata a despagubirii n cazul producerii evenimentului asigurat sau i dau dreptul sa denunte polita cu efect imediat. Orice litigiu izvornd din prevederile prezentului contract este de competenta instantele de judecata din Romnia.

ASIGURATOR,

ASIGURAT,

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