{"id":4267,"date":"2025-01-08T15:31:27","date_gmt":"2025-01-08T13:31:27","guid":{"rendered":"https:\/\/www.assistgrup.com\/?p=4267"},"modified":"2025-01-08T15:31:28","modified_gmt":"2025-01-08T13:31:28","slug":"que-son-las-clausulas-limitativas-de-un-seguro","status":"publish","type":"post","link":"https:\/\/www.assistgrup.com\/es\/que-son-las-clausulas-limitativas-de-un-seguro\/","title":{"rendered":"\u00bfQu\u00e9 son las cl\u00e1usulas limitativas de un seguro?"},"content":{"rendered":"<input class=\"fooboxshare_post_id\" type=\"hidden\" value=\"4267\"\/>\n<p class=\"wp-block-paragraph\"><strong>Las cl\u00e1usulas limitativas restringen e incluso excluyen la indemnizaci\u00f3n. Deben aparecer debidamente explicadas y resaltadas, y el asegurado debe aceptarlas de forma expresa.<\/strong><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft size-full is-resized\"><a href=\"https:\/\/www.assistgrup.com\/wp-content\/uploads\/2025\/01\/2-1.jpg\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"638\" src=\"https:\/\/www.assistgrup.com\/wp-content\/uploads\/2025\/01\/2-1.jpg\" alt=\"\" class=\"wp-image-4268\" style=\"width:337px;height:auto\" srcset=\"https:\/\/www.assistgrup.com\/wp-content\/uploads\/2025\/01\/2-1.jpg 1000w, https:\/\/www.assistgrup.com\/wp-content\/uploads\/2025\/01\/2-1-300x191.jpg 300w, https:\/\/www.assistgrup.com\/wp-content\/uploads\/2025\/01\/2-1-768x490.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/a><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Al contratar un seguro, por un lado se establecen el objeto asegurado (un comercio, una vivienda, una industria) y, mediante un conjunto de cl\u00e1usulas llamadas \u201cdelimitadoras\u201d, las garant\u00edas que se contratan (robo, incendio, p\u00e9rdida de beneficio o lucro cesante&#8230;). Dichas cl\u00e1usulas&nbsp;<em>fijan los l\u00edmites del riesgo asegurado y determinan la cobertura de la p\u00f3liza<\/em>&nbsp;(de modo que si las tiene contratadas ser\u00e1 indemnizado y si no, no), pero no restringen ning\u00fan derecho.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por otro lado, se establecen unas cl\u00e1usulas llamadas \u201climitativas\u201d, que s\u00ed&nbsp;<em>restringen o modifican el derecho del asegurado a la indemnizaci\u00f3n<\/em>: fijan los supuestos en los que, excepcionalmente, el riesgo no quedar\u00e1 cubierto (si no existen estas cl\u00e1usulas, el riesgo se entender\u00e1 cubierto en todo caso). Por ejemplo, cuando la p\u00f3liza exige determinadas medidas de seguridad (como el uso de rejas o puertas reforzadas), si estas medidas no existen y se produce un siniestro, \u00e9ste no quedar\u00e1 cubierto. Precisamente por ello es imprescindible que estas cl\u00e1usulas:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><em>Consten resaltadas<\/em>\u00a0en la p\u00f3liza, para destacarlas del resto del clausulado. Y adem\u00e1s deben ser claras y de lectura f\u00e1cil, evitando mezclar conceptos que dificulten la comprensi\u00f3n o creen confusi\u00f3n. De ser as\u00ed,\u00a0<em>se podr\u00edan impugnar ante un juez y solicitar que no sean de aplicaci\u00f3n<\/em>.<\/li>\n\n\n\n<li><em>D<\/em><em>eben ser expresamente aceptadas<\/em>\u00a0por el asegurado. No basta con firmar la p\u00f3liza: debe haber una doble firma (por un lado de la p\u00f3liza y, por otro lado, de estas cl\u00e1usulas).\u00a0<em>De lo contrario, no se podr\u00e1 aplicar la exclusi\u00f3n<\/em>. Cabe destacar que muchas aseguradoras obvian esto y, aunque la cl\u00e1usula no est\u00e9 firmada, reh\u00fasan el pago, sobre todo en siniestros de poca entidad (300-500 euros), mientras que en siniestros mayores (por ejemplo, de 80.000 euros) intentan negociar el importe de la indemnizaci\u00f3n.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Nuestros asesores estudiar\u00e1n su caso, le informar\u00e1n de la validez de las cl\u00e1usulas limitativas de su contrato y, si es preciso, interpondr\u00e1n las acciones legales oportunas para lograr la mayor indemnizaci\u00f3n a su favor.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Las cl\u00e1usulas limitativas restringen e incluso excluyen la indemnizaci\u00f3n. Deben aparecer debidamente explicadas y resaltadas, y el asegurado debe aceptarlas de forma expresa. Al contratar un seguro, por un lado se establecen el objeto asegurado (un comercio, una vivienda, una industria) y, mediante un conjunto de cl\u00e1usulas llamadas \u201cdelimitadoras\u201d, las garant\u00edas que se contratan (robo, [&hellip;]<\/p>\n","protected":false},"author":956,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[1],"tags":[],"class_list":["post-4267","post","type-post","status-publish","format-standard","category-noticias","entry","has-post-thumbnail"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfQu\u00e9 son las cl\u00e1usulas limitativas de un seguro? | Assistgrup<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.assistgrup.com\/es\/que-son-las-clausulas-limitativas-de-un-seguro\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfQu\u00e9 son las cl\u00e1usulas limitativas de un seguro? | Assistgrup\" \/>\n<meta property=\"og:description\" content=\"Las cl\u00e1usulas limitativas restringen e incluso excluyen la indemnizaci\u00f3n. Deben aparecer debidamente explicadas y resaltadas, y el asegurado debe aceptarlas de forma expresa. 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