{"id":2167,"date":"2021-01-27T21:51:17","date_gmt":"2021-01-27T20:51:17","guid":{"rendered":"https:\/\/garantie.be\/?page_id=2167"},"modified":"2021-03-31T08:31:33","modified_gmt":"2021-03-31T06:31:33","slug":"assurance-incendie-habitation-les-assure","status":"publish","type":"page","link":"https:\/\/garantie.be\/fr\/assurance-incendie-habitation-les-assure\/","title":{"rendered":"Assurance incendie habitation : l’assur\u00e9"},"content":{"rendered":"\t\t
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Quelles sont les personnes consid\u00e9r\u00e9es comme un assur\u00e9 ?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Les personnes suivantes peuvent \u00eatre consid\u00e9r\u00e9s comme l’assur\u00e9 dans le cadre d’une police d’assurance incendie (assurance habitation) :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Le preneur d\u2019assurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Le preneur d’assurance est bien s\u00fbr par d\u00e9finition un assur\u00e9. Il y a donc moyen d\u2019\u00e9tendre le nombre d\u2019assur\u00e9s en d\u00e9signant plusieurs preneurs dans le cadre du contrat d’assurance incendie ;\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Les personnes vivant dans son foyer<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Il s\u2019agit des personnes formant effectivement une communaut\u00e9 de vie avec le preneur d’assurance. Elles doivent effectivement et habituellement participer au m\u00e9nage. Pour r\u00e9soudre le probl\u00e8me de la s\u00e9paration \u00e9ventuelle des cohabitants de fait, il est recommand\u00e9 de les d\u00e9signer ensemble comme preneurs ;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Leur personnel dans l\u2019exercice de leurs fonctions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Lorsqu\u2019ils ne sont pas en fonction, les membres du personnel sont consid\u00e9r\u00e9s comme des tiers. La notion est plus large que dans le cadre d’une Responsabilit\u00e9 Civile Vie priv\u00e9e (RC Vie priv\u00e9e), qui se limite aux gens de maison et aides familiales ;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Les mandataires ou les associ\u00e9s du preneur dans l\u2019exercice de leurs fonction<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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La raison est simple : l\u2019assurance incendie peut aussi couvrir des entreprises. Le preneur peut \u00eatre une personne morale, donc ses mandataires et ses associ\u00e9s sont donc couverts dans le cadre de leurs fonctions professionnelles ;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Toute autre personne mentionn\u00e9e comme assur\u00e9 dans le contrat d\u2019assurance<\/h2><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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On peut effectivement attribuer la qualit\u00e9 d\u2019assur\u00e9 \u00e0 d\u2019autres personnes physiques ou morales que celles d\u00e9finies comme \u00ab assur\u00e9s \u00bb par la l\u00e9gislation.\u00a0Exemples d\u2019extensions contractuelles possibles :\u00a0<\/p>\n\n

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  • h\u00f4tes (ne sont pas membres du foyer) ;\u00a0<\/li>\n
  • pr\u00e9pos\u00e9s (concept plus large que le personnel)<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

    Quelles sont les personnes consid\u00e9r\u00e9es comme un assur\u00e9 ? Les personnes suivantes peuvent \u00eatre consid\u00e9r\u00e9s comme l’assur\u00e9 dans le cadre d’une police d’assurance incendie (assurance habitation) : Le preneur d\u2019assurance Le preneur d’assurance est bien s\u00fbr par d\u00e9finition un assur\u00e9. Il y a donc moyen d\u2019\u00e9tendre le nombre d\u2019assur\u00e9s en d\u00e9signant plusieurs preneurs dans le […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2167","page","type-page","status-publish","hentry"],"yoast_head":"\nAssurance incendie habitation : l'assur\u00e9<\/title>\n<meta name=\"description\" content=\"Dans le cadre d'une assurance incendie (assurance habitation en Belgique) quelle est la qualit\u00e9 de l'assur\u00e9 dans le contrat\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/garantie.be\/fr\/assurance-incendie-habitation-les-assure\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurance incendie 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