{"id":7913,"date":"2020-06-11T20:29:23","date_gmt":"2020-06-11T18:29:23","guid":{"rendered":"https:\/\/www.criteriaclaims.com\/assurance-cessation-activite-commerciale-pandemie\/"},"modified":"2023-02-20T20:34:13","modified_gmt":"2023-02-20T19:34:13","slug":"assurance-cessation-activite-commerciale-pandemie","status":"publish","type":"post","link":"https:\/\/www.criteriaclaims.com\/fr\/assurance-cessation-activite-commerciale-pandemie\/","title":{"rendered":"Cessation de l\u2019activit\u00e9 commerciale pendant la pand\u00e9mie : la FCA poursuit 8 assureurs devant la Cour supr\u00eame britannique pour d\u00e9terminer s\u2019ils doivent prendre en charge les pertes"},"content":{"rendered":"<p>[et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb4.16&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.16&Prime; background_size=\u00a0\u00bbinitial\u00a0\u00bb background_position=\u00a0\u00bbtop_left\u00a0\u00bb background_repeat=\u00a0\u00bbrepeat\u00a0\u00bb custom_margin=\u00a0\u00bb-25px|auto||auto||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; custom_padding=\u00a0\u00bb|||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb custom_padding__hover=\u00a0\u00bb|||\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbTexto\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.0&Prime; text_font_size=\u00a0\u00bb21px\u00a0\u00bb text_line_height=\u00a0\u00bb1.6em\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; text_font_size_tablet=\u00a0\u00bb18px\u00a0\u00bb text_font_size_phone=\u00a0\u00bb16px\u00a0\u00bb text_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb z_index_tablet=\u00a0\u00bb500&Prime; text_text_shadow_horizontal_length_tablet=\u00a0\u00bb0px\u00a0\u00bb text_text_shadow_vertical_length_tablet=\u00a0\u00bb0px\u00a0\u00bb text_text_shadow_blur_strength_tablet=\u00a0\u00bb1px\u00a0\u00bb link_text_shadow_horizontal_length_tablet=\u00a0\u00bb0px\u00a0\u00bb link_text_shadow_vertical_length_tablet=\u00a0\u00bb0px\u00a0\u00bb link_text_shadow_blur_strength_tablet=\u00a0\u00bb1px\u00a0\u00bb ul_text_shadow_horizontal_length_tablet=\u00a0\u00bb0px\u00a0\u00bb ul_text_shadow_vertical_length_tablet=\u00a0\u00bb0px\u00a0\u00bb ul_text_shadow_blur_strength_tablet=\u00a0\u00bb1px\u00a0\u00bb ol_text_shadow_horizontal_length_tablet=\u00a0\u00bb0px\u00a0\u00bb ol_text_shadow_vertical_length_tablet=\u00a0\u00bb0px\u00a0\u00bb ol_text_shadow_blur_strength_tablet=\u00a0\u00bb1px\u00a0\u00bb quote_text_shadow_horizontal_length_tablet=\u00a0\u00bb0px\u00a0\u00bb quote_text_shadow_vertical_length_tablet=\u00a0\u00bb0px\u00a0\u00bb quote_text_shadow_blur_strength_tablet=\u00a0\u00bb1px\u00a0\u00bb header_text_shadow_horizontal_length_tablet=\u00a0\u00bb0px\u00a0\u00bb header_text_shadow_vertical_length_tablet=\u00a0\u00bb0px\u00a0\u00bb header_text_shadow_blur_strength_tablet=\u00a0\u00bb1px\u00a0\u00bb header_2_text_shadow_horizontal_length_tablet=\u00a0\u00bb0px\u00a0\u00bb header_2_text_shadow_vertical_length_tablet=\u00a0\u00bb0px\u00a0\u00bb header_2_text_shadow_blur_strength_tablet=\u00a0\u00bb1px\u00a0\u00bb header_3_text_shadow_horizontal_length_tablet=\u00a0\u00bb0px\u00a0\u00bb header_3_text_shadow_vertical_length_tablet=\u00a0\u00bb0px\u00a0\u00bb header_3_text_shadow_blur_strength_tablet=\u00a0\u00bb1px\u00a0\u00bb header_4_text_shadow_horizontal_length_tablet=\u00a0\u00bb0px\u00a0\u00bb header_4_text_shadow_vertical_length_tablet=\u00a0\u00bb0px\u00a0\u00bb header_4_text_shadow_blur_strength_tablet=\u00a0\u00bb1px\u00a0\u00bb header_5_text_shadow_horizontal_length_tablet=\u00a0\u00bb0px\u00a0\u00bb header_5_text_shadow_vertical_length_tablet=\u00a0\u00bb0px\u00a0\u00bb header_5_text_shadow_blur_strength_tablet=\u00a0\u00bb1px\u00a0\u00bb header_6_text_shadow_horizontal_length_tablet=\u00a0\u00bb0px\u00a0\u00bb header_6_text_shadow_vertical_length_tablet=\u00a0\u00bb0px\u00a0\u00bb header_6_text_shadow_blur_strength_tablet=\u00a0\u00bb1px\u00a0\u00bb box_shadow_horizontal_tablet=\u00a0\u00bb0px\u00a0\u00bb box_shadow_vertical_tablet=\u00a0\u00bb0px\u00a0\u00bb box_shadow_blur_tablet=\u00a0\u00bb40px\u00a0\u00bb box_shadow_spread_tablet=\u00a0\u00bb0px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<\/p>\n<p>La crise sanitaire provoqu\u00e9e par le coronavirus affecte consid\u00e9rablement le secteur de l\u2019assurance. Aux faibles r\u00e9sultats obtenus au cours du premier trimestre de l\u2019ann\u00e9e s\u2019ajoutent \u00e9galement les multiples plaintes dans certains pays de la part des entreprises et des ind\u00e9pendants, qui exigent des assureurs qu\u2019ils couvrent leurs pertes dans les mois de cessation d\u2019activit\u00e9 de leurs entreprises pendant l\u2019\u00e9tat d\u2019alerte.<\/p>\n<p>Les plaintes ont d\u00e9j\u00e0 commenc\u00e9 dans des pays comme la Grande-Bretagne, o\u00f9 des entrepreneurs du secteur de la restauration se sont r\u00e9unis pour intenter une action en justice commune contre les assureurs.<\/p>\n<p>Cette semaine, nous savions que la FCA britannique (Financial Conduct Authority) a nomm\u00e9 dans les d\u00e9tails du proc\u00e8s devant la Cour supr\u00eame un total de 8 assureurs comme \u00e9chantillon d\u2019un cas test qui jettera les bases et d\u00e9finira l\u2019avenir des paiements possibles pour la cessation de l\u2019activit\u00e9 commerciale pendant la pand\u00e9mie.<\/p>\n<p>Les 8 assureurs inclus dans la poursuite sont les suivants :<\/p>\n<ul>\n<li>  Arch Insurance (UK) Limited<\/li>\n<li>  Argenta Syndicate Management Limited<\/li>\n<li>  Ecclesiastical Insurance Office Plc<\/li>\n<li>  Hiscox Insurance Company Limited<\/li>\n<li>  MS Amlin Underwriting Limited<\/li>\n<li>  QBE UK Limited<\/li>\n<li>  Royal &amp; Sun Alliance Insurance Plc<\/li>\n<li>  Zurich Insurance Plc<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Le r\u00e9gulateur a d\u00e9clar\u00e9 dans son d\u00e9p\u00f4t que les assureurs devraient \u00eatre tenus responsables des r\u00e9clamations pour la cessation des activit\u00e9s li\u00e9es \u00e0 la crise du coronavirus, et \u00ab&nbsp;qu\u2019il soutient la position des assur\u00e9s pour prouver ces points&nbsp;\u00bb afin d\u2019apporter de la clart\u00e9 au march\u00e9 et de d\u00e9terminer la politique de r\u00e9glementation et de surveillance des assureurs.<\/p>\n<p>Mais, selon la FCA, \u00ab les assur\u00e9s ne devraient pas supposer que la simple inclusion de leur police dans ce cas signifiera qu\u2019elle r\u00e9pondra \u00e0 leurs pertes \u00e9conomiques. L\u2019objectif est d\u2019aider les assur\u00e9s et les assureurs \u00e0 avoir une vision beaucoup plus claire de ce que sont les polices d\u2019interruption dues \u00e0 la cessation d\u2019activit\u00e9 d\u2019une entreprise qui r\u00e9pond r\u00e9ellement \u00e0 la pand\u00e9mie et qui ne le fait pas.<\/p>\n<p>Selon le PDG du groupe RSA, Stepen Hester, \u00ab dans toute l\u2019industrie, il y a des textes qui n\u2019ont pas \u00e9t\u00e9 \u00e9crits aussi bien qu\u2019ils le devraient \u00bb. Hester ajoute que la RSA prend en charge les r\u00e9clamations lorsqu\u2019il y a cette ambigu\u00eft\u00e9 dans le libell\u00e9 de la couverture, \u00e0 moins que l\u2019assureur n\u2019ait un avis juridique clair et ferme selon lequel la r\u00e9clamation devrait \u00eatre refus\u00e9e.<\/p>\n<p>Le mois prochain, nous conna\u00eetrons la d\u00e9cision finale des juges de la Cour supr\u00eame britannique concernant l\u2019affaire.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_text][et_pb_comments show_count=\u00a0\u00bboff\u00a0\u00bb _builder_version=\u00a0\u00bb4.16&Prime; form_field_font=\u00a0\u00bb||||||||\u00a0\u00bb custom_button=\u00a0\u00bbon\u00a0\u00bb button_text_color=\u00a0\u00bb#f1bb3f\u00a0\u00bb button_border_radius=\u00a0\u00bb7px\u00a0\u00bb button_letter_spacing=\u00a0\u00bb0px\u00a0\u00bb button_font=\u00a0\u00bb||||||||\u00a0\u00bb button_use_icon=\u00a0\u00bboff\u00a0\u00bb z_index_tablet=\u00a0\u00bb500&Prime; header_text_shadow_horizontal_length_tablet=\u00a0\u00bb0px\u00a0\u00bb header_text_shadow_vertical_length_tablet=\u00a0\u00bb0px\u00a0\u00bb header_text_shadow_blur_strength_tablet=\u00a0\u00bb1px\u00a0\u00bb meta_text_shadow_horizontal_length_tablet=\u00a0\u00bb0px\u00a0\u00bb meta_text_shadow_vertical_length_tablet=\u00a0\u00bb0px\u00a0\u00bb meta_text_shadow_blur_strength_tablet=\u00a0\u00bb1px\u00a0\u00bb body_text_shadow_horizontal_length_tablet=\u00a0\u00bb0px\u00a0\u00bb body_text_shadow_vertical_length_tablet=\u00a0\u00bb0px\u00a0\u00bb body_text_shadow_blur_strength_tablet=\u00a0\u00bb1px\u00a0\u00bb form_field_text_shadow_horizontal_length_tablet=\u00a0\u00bb0px\u00a0\u00bb form_field_text_shadow_vertical_length_tablet=\u00a0\u00bb0px\u00a0\u00bb form_field_text_shadow_blur_strength_tablet=\u00a0\u00bb1px\u00a0\u00bb box_shadow_horizontal_tablet=\u00a0\u00bb0px\u00a0\u00bb box_shadow_vertical_tablet=\u00a0\u00bb0px\u00a0\u00bb box_shadow_blur_tablet=\u00a0\u00bb40px\u00a0\u00bb box_shadow_spread_tablet=\u00a0\u00bb0px\u00a0\u00bb box_shadow_horizontal_fields_tablet=\u00a0\u00bb0px\u00a0\u00bb box_shadow_vertical_fields_tablet=\u00a0\u00bb0px\u00a0\u00bb box_shadow_blur_fields_tablet=\u00a0\u00bb40px\u00a0\u00bb box_shadow_spread_fields_tablet=\u00a0\u00bb0px\u00a0\u00bb box_shadow_horizontal_button_tablet=\u00a0\u00bb0px\u00a0\u00bb box_shadow_vertical_button_tablet=\u00a0\u00bb0px\u00a0\u00bb box_shadow_blur_button_tablet=\u00a0\u00bb40px\u00a0\u00bb box_shadow_spread_button_tablet=\u00a0\u00bb0px\u00a0\u00bb text_shadow_horizontal_length_tablet=\u00a0\u00bb0px\u00a0\u00bb text_shadow_vertical_length_tablet=\u00a0\u00bb0px\u00a0\u00bb text_shadow_blur_strength_tablet=\u00a0\u00bb1px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb button_text_color__hover=\u00a0\u00bb#ffffff\u00a0\u00bb button_text_color__hover_enabled=\u00a0\u00bbon\u00a0\u00bb button_bg_color__hover=\u00a0\u00bb#f1bb3f\u00a0\u00bb button_bg_color__hover_enabled=\u00a0\u00bbon\u00a0\u00bb button_border_color__hover=\u00a0\u00bb#f1bb3f\u00a0\u00bb button_border_color__hover_enabled=\u00a0\u00bbon\u00a0\u00bb]<\/p>\n<p>[\/et_pb_comments][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Des plaintes commencent \u00e0 \u00eatre d\u00e9pos\u00e9es dans certains pays par des entreprises et des ind\u00e9pendants, qui exigent des assureurs qu\u2019ils couvrent leurs pertes dans les mois de cessation d\u2019activit\u00e9 de leurs entreprises pendant l\u2019\u00e9tat d\u2019alerte. C\u2019est ce qui se passe en Grande-Bretagne.<\/p>\n","protected":false},"author":2,"featured_media":7310,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"categories":[598,650],"tags":[923,924,925,927,659,660,926,661],"class_list":["post-7913","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-nouvelles-de-lindustrie","tag-aseguradoras-fr-2","tag-aseguradoras-y-pandemia-fr-2","tag-cese-actividad-comercial-y-aseguradoras-fr-2","tag-coberturas-polizas-aseguradoras-fr-2","tag-hiscox-fr","tag-rsa-fr","tag-tribunal-sumpremo-britanico-aseguradoras-fr-2","tag-zurich-fr"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La FCA poursuit 8 assureurs devant la Cour 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