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Liberty accident insurance ( Castellano  )

    

26 - Indemnity clause

 

I. SUMMARY OF LEGAL REGULATIONS

 

2. Excluded risks

 

a. Those which do not give rise to an indemnity according to the Insurance Contracts Act.

 

b. Damage and losses caused to people or things insured by insurance agreements that do not include the obligatory surcharge in favour of the Insurance Compensation Consortium.

 

c. Those caused by armed conflicts, even when not preceded by an official declaration of war

 

d. Those derived from nuclear energy, without detriment to the terms of the Nuclear Energy Act (Act 25/1964 of 29 April). .

 

e. Those caused by natural phenomena other than those set forth in Article 1 of the Regulations on Extraordinary Risk Insurance and, in particular, those caused by a rise in the water table, hillside movements, landslides or soil settlement, falling rocks and other similar phenomena, except where they are evidently caused by the action of rain water that has, in turn, caused extraordinary flooding in the area and they occur simultaneously with said flooding.

 

f. Those caused by the actions of people arising during meetings and demonstrations held in accordance with the provisions of that set forth in Organic Law 9/1983 of 15 July, which regulates the right to assembly, as well as during legal strikes, except when said actions may be considered extraordinary events pursuant to the terms of Article 1 of the Regulations on Extraordinary Risk Insurance.

 

g. Those caused by bad faith on the part of the insured.

 

h. Those occurring prior to payment of the first premium or when, pursuant to the terms of the Insurance Contracts Act, the cover provided by the Insurance Compensation Consortium has been suspended or the insurance has been terminated due to non-payment of premiums.

 

i. Losses that, due to their magnitude and severity, are qualified by the National Government as a "national catastrophe or disaster".

 

 

 

 

3. Scope of the cover.