Actualités comptables
Contrat d’assurance : faut-il tout dire à l’assureur ?

Contrat d’assurance : faut-il tout dire à l’assureur ?

Publiée le jeudi 15 juillet 2021 à 05h49 dans Actu Juridique

Un vendeur de montres de collection subit un vol par effraction qu’il déclare à son assureur… que celui-ci prend en charge, mais en partie seulement… certaines des montres dérobées ayant été conservées dans 2 coffres-forts pas très performants… A raison ?


Contrat d’assurance : avertir l’assureur en cas de changement !

Un vendeur de montres de collection, qui a un souscrit un contrat multirisque vol auprès d’une assurance, déclare un vol avec effraction et demande une indemnisation pour le préjudice subi.

« Ok », répond l’assureur qui lui propose un montant… insuffisant pour le vendeur, la somme proposée ne correspondant pas à la valeur des montres volées.

Mais l’assureur explique la minoration de l’indemnisation par le fait que le voleur a dérobé des montres dans 2 coffres-forts, achetés par le vendeur après la souscription du contrat d’assurance et qui sont moins performants que ceux déclarés dans le contrat.

Des nouveaux coffres-forts qui n’ont d’ailleurs pas été ajoutés au contrat….

Et pour le juge, c’est effectivement là une bonne raison pour diminuer le montant de l’indemnisation due au vendeur de montres.

Source : Arrêt de la Cour de cassation, 2e chambre civile, du 8 juillet 2021, n° 20-11140

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