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Kapitel 9: Forholdet mellem hovedassurandøren og coassurandørerne

  • § 9-1. Definitioner

    Med “hovedassurandør” menes den assurandør, der ved tegning af forsikringen er angivet som hovedassurandør.

    Med “coassurandør” menes andre assurandører, der har påtaget sig forsikring mod samme fare af en andel af interessen og hæfter direkte overfor forsikrede.

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    Clause 9-1. Definitions

    This Clause corresponds to Cl. 139 of the 1964 Plan. Sub-clause 1 defines the term “claims leader” as the one who is stated as claims leader in the insurance contract. In practice, “claims leader” is used as the designation of the insurer who is to have contact with the assured in case of a...

  • § 9-2. Hovedassurandørens adgang til at optræde på vegne af coassurandørerne

    Når ikke andet er aftalt, er hovedassurandøren berettiget til at træffe de dispositioner, der er nævnt i § 9-3 til § 9-9 med bindende virkning for coassurandørerne. Han er i disse tilfælde forpligtet til så vidt mulig at tage hensyn til samtlige assurandørers interesse. 

    Selvom hovedassurandøren har optrådt i modstrid med aftale med coassurandørerne, eller på anden måde tilsidesat disses tarv, er en disposition, som han har truffet i medfør af § 9-3 til § 9-8, bindende for coassurandørerne i forhold til forsikrede, medmindre forsikrede kendte eller burde have kendt til forholdet.

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    Clause 9-2. The right of the claims leader to act on behalf of the co-insurers

    Sub-clause 1 was amended in the 2007 version. The sub-clause is otherwise identical to earlier versions of the 1996 Plan. Sub-clause 1, first sentence , establishes the general principle that the claims leader has the right to bind the co-insurers in relation to the assured to the extent that thi...

  • § 9-3. Plan for oplægning

    Hovedassurandøren kan godkende plan for oplægning efter § 3-26.

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    Clause 9-3. Lay-up plan

    According to Cl. 3-26, the assured shall if the ship is to be laid up draw up a lay-up plan and submit it to the insurer for his approval. It is not practical to send this plan to all the co-insurers; it must be sufficient that it is approved by the claims leader. Other notifications pursuant to...

  • § 9-4. Meddelelser i forbindelse med havari

    Meddelelser i forbindelse med et havari kan gives til hovedassurandøren.

    Hovedassurandøren skal hurtigst muligt sende meddelelserne videre til de pågældende coassurandører, inklusiv skadeadvis med anslåede omkostninger.

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    Clause 9-4. Notification of a casualty

    This Clause was amended in the 2013 Plan. Notifications of a casualty may be given to the claims leader with binding effect on the co-insurers, cf. sub-clause 1 . It is of great practical importance for the assured that, in the event of a casualty, he can look to the claims leader. If the...

  • § 9-5. Bjærgning

    Hovedassurandøren kan træffe foranstaltninger med sigte på bjærgning. Han kan meddele forsikrede, at bjærgningen er opgivet, eller at assurandørerne vil begrænse deres ansvar for omkostningerne i overensstemmelse med § 4-21.

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    Clause 9-5. Salvage

    This Clause corresponds to Cl. 142 of the 1964 Plan. The provision authorises the claims leader to decide if, and in the event how, a salvage operation shall be conducted, and to decide when to abandon the salvage operation or whether the insurer shall exercise his authority to limit his liabilit...

  • § 9-6. Flytning og reparation

    Hovedassurandøren træffer beslutninger i medfør af § 3-20 og § 12-10 til § 12-13. Hvis forsikrede har begæret skibet kondemneret, afgør hovedassurandøren også om skibet skal flyttes i medfør af § 11-6.

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    Clause 9-6. Removal and repairs

    This Clause corresponds to Cl. 143 of the 1964 Plan. The provision authorises the claims leader to grant requests for removal to a repair yard under Cl. 3-20 and to make decisions concerning repairs. The claims leader’s decision-making authority in relation to Cl. 3-20 is new and is based on...

  • § 9-7. Sikkerhedsstillelse

    Har hovedassurandøren i assurandørfællesskabets interesse stillet garanti eller kontragaranti for forsikredes ansvar som følge af sammenstød, stød eller bjærgning, kan han beregne provision på 1 % af det afgivne garantibeløb. Hvis der stilles åben garanti, beregnes provisionen af det effektive bruttoansvar.

    Er coassurandøren underrettet om, at hovedassurandøren har stillet garanti efter stykke 1, skal coassurandøren ikke udbetale erstatning i forbindelse med ansvaret direkte til forsikrede.

    Coassurandøren kan ikke kompensere overfor hovedassurandøren med modkrav mod forsikrede, medmindre han, før sikkerheden blev stillet, har taget et særskilt forbehold.

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    Clause 9-7. Provision of security

    This provision corresponds to Cl. 144 of the 1964 Plan. Sub-clause 1 regulates the claims leader’s right to commission from the co-insurers upon the provision of security. Under Cl. 5-12 the insurer does not have any obligation to provide security for the assured’s liability to third parties....

  • § 9-8. Tvist med tredjemand

    Hvis tredjemand gør et ansvar gældende, der omfattes af forsikringen, eller har forsikrede dækningskrav, som assurandørerne træder ind i, afgør hovedassurandøren spørgsmål om sagsanlæg, anke og forlig.

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    Clause 9-8. Disputes with third parties

    This Clause is identical to earlier versions of the 1996 Plan. The Commentary was amended in the 2007 Version in accordance with the amendment to Cl. 9-2. The claims leader should also be empowered to represent all the co-insurers in the event of legal proceedings against a third party. The Claus...

  • § 9-9. Erstatningsberegning

    Hovedassurandøren sørger for, at der bliver foretaget erstatningsberegning. Beregningen binder coassurandørerne, såfremt den er i overensstemmelse med forsikringsbetingelserne.

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    Clause 9-9. Claims adjustment

    The provision establishes that it is the claims leader who is responsible for the claims adjustment. In accordance with established practice, this is binding on the co-insurers, provided that it is in accordance with the insurance conditions. This implies that the claims leader’s discretionary...

  • § 9-10. Coassurandørens insolvens

    Hvis en coassurandør er insolvent, skal forsikrede dække hans andel af de udgifter, hovedassurandøren har haft på vegne af forsikrede. Den insolvente coassurandørs andel af de udgifter som hovedassurandøren har haft på vegne af assurandørfællesskabet, skal dækkes pro rata af hovedassurandøren og de andre coassurandører.

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    Clause 9-10. Insolvency of a co-insurer

    This Clause was amended in the 2013 Plan. The provision regulates the risk of a co-insurer becoming insolvent when the claims leader has had disbursements, part of which the co-insurer should have paid. According to the first sentence , the assured bears the risk of a co-insurer’s insolvency if t...

  • § 9-11. Renter af hovedassurandørens udlæg

    Hovedassurandøren er berettiget til at beregne renter af udlæg, han har haft på vegne af assurandørfællesskabet og forsikrede. § 5-4 gælder tilsvarende.

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    Clause 9-11. Interest on the disbursements of the claims leader

    In practice, the claims leader will often make disbursements on behalf of all the insurers, e.g. for surveys. Accordingly, there is a need for a rule which entitles him to charge interest on these disbursements. For disbursements made by the claims leader on behalf of the assured, the duty of the...

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