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Part 1
General part
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Chapter 1
Provisions applying to all classes of insurance
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Division 1
General provisions
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Section 1Typical obligations
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Section 2Retroactive insurance
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Section 3Insurance policy
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Section 4Insurance policy issued in the name of the holder
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Section 5Deviating insurance policy
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Section 6Advising the policyholder
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Section 7Information provided to the policyholder
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Section 8Policyholder's right of revocation
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Section 9Legal consequences of revocation
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Section 10Commencement and expiry of insurance
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Section 11Renewal, termination of the contract
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Section 12Period of insurance
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Section 13Change of address and name
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Section 14Due date of cash benefit
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Section 15Suspension of limitation period
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Section 16Insurer's insolvency
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Section 17Prohibition of assignment of things exempt from seizure
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Section 18Deviating agreements
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Division 2
Duty of disclosure, aggravation of risk, other incidental obligations
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Section 19Duty of disclosure
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Section 20Policyholder's representative
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Section 21Exercising of the insurer's rights
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Section 22Fraudulent misrepresentation
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Section 23Aggravation of risk
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Section 24Termination of the contract due to aggravation of the risk insured
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Section 25Increase in insurance premium due to aggravation of risk
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Section 26Release from liability due to aggravation of risk
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Section 27Immaterial aggravation of risk
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Section 28Non-observance of an incidental obligation
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Section 29Partial withdrawal, partial termination, partial release from liability
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Section 30Notification of the occurrence of the insured event
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Section 31Policyholder's duty to disclose information
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Section 32Deviating agreements
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Division 3
Premium
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Section 33Due date
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Section 34Payment by a third party
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Section 35Offsetting by the insurer
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Section 36Place of performance
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Section 37Delayed payment of first insurance premium
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Section 38Delayed payment of subsequent premium
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Section 39Termination of the contract before the agreed date
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Section 40Termination on account of increase in premium
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Section 41Reduction of the premium
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Section 42Deviating agreements
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Division 4
Insurance for the account of a third party
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Section 43Definitions
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Section 44Rights of the insured person
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Section 45Rights of the policyholder
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Section 46Rights between the policyholder and the insured person
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Section 47Knowledge and conduct of the insured person
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Section 48Insurance for the account of "whom it may concern"
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Division 5
Provisional cover
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Section 49Content of the contract
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Section 50Non-formation of the main contract
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Section 51Payment of the premium
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Section 52Termination of the contract
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Division 6
Open policy
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Section 53Duty to give notice
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Section 54Breach of the duty to give notice
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Section 55Individual policy
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Section 56Breach of the duty of disclosure
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Section 57Change in risk insured
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Section 58Non-observance of an incidental obligation
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Division 7
Insurance intermediaries, insurance advisers
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Subdivision 1
Duties to notify and advise
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Section 59Definitions
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Section 60Basis on which insurance intermediary provides advice
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Section 61Insurance intermediary's duties of advice and documentation
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Section 62Time and form of the information
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Section 63Obligation to pay damages
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Section 64Securing payment to the policyholder's benefit
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Section 65Jumbo risk
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Section 66Other exceptions
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Section 67Deviating agreements
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Section 68Insurance advisers
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Subdivision 2
Power of agency
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Section 69Statutory power of attorney
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Section 70Knowledge of the insurance agent
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Section 71Authorisation to acquire contracts
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Section 72Restriction of the power of agency
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Section 73Employees and intermediaries not working on a commercial basis
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Chapter 2
Indemnity insurance
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Division 1
General provisions
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Section 74Overinsurance
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Section 75Underinsurance
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Section 76Agreed value
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Section 77Several insurers
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Section 78Liability in the case of multiple insurance
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Section 79Elimination of the multiple insurance
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Section 80Lack of insured interest
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Section 81Causing the insured event
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Section 82Loss avoidance and minimisation
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Section 83Reimbursement of expenses
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Section 84Drawing on an expert
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Section 85Costs of establishing the loss
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Section 86Assignment of claims
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Section 87Deviating agreements
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Division 2
Property insurance
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Section 88Insurable value
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Section 89Insurance for an aggregate of things
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Section 90Extended reimbursement of expenses
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Section 91Interest on compensation
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Section 92Termination of the contract after an insured event
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Section 93Replacement clause
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Section 94Effectiveness of payment vis-à-vis mortgage creditors
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Section 95Sale of the insured object
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Section 96Termination of the contract after a sale
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Section 97Disclosure of the sale
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Section 98Protection afforded the buyer
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Section 99Foreclosure, acquisition of the right of use
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Part 2
Individual classes of insurance
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Chapter 1
Liability insurance
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Division 1
General provisions
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Section 100Insurer's liability
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Section 101Legal protection costs
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Section 102Employer's liability insurance
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Section 103Causing the insured event
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Section 104Policyholder's duty of disclosure
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Section 105Acknowledgement by the policyholder
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Section 106Due date for performance
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Section 107Entitlement to a pension
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Section 108Right of recourse provision
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Section 109Several injured parties
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Section 110Policyholder's insolvency
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Section 111Termination of the contract after an insured event
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Section 112Deviating agreements
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Division 2
Compulsory insurance
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Section 113Compulsory insurance
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Section 114Scope of the insurance cover
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Section 115Direct claim
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Section 116Joint and several debtors
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Section 117Liability towards third parties
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Section 118Order of precedence of several claims
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Section 119Third party's incidental obligations
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Section 120Non-observance of an incidental obligation by the third party
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Section 121Offsetting against third parties
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Section 122Sale of the insured object
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Section 123Recourse in the case of several insured parties
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Section 124Extent of legal force
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Chapter 2
Legal expenses insurance
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Section 125Insurer's liability
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Section 126Claims processing company
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Section 127Freedom of choice of lawyer
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Section 128Procedure for calling in expert opinion
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Section 129Deviating agreements
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Chapter 3
Transport insurance
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Section 130Extent of risk accepted
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Section 131Breach of the duty of disclosure
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Section 132Change of risk insured
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Section 133Transportation in breach of contract
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Section 134Unsuitable means of transport
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Section 135Reimbursement of expenses
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Section 136Insurable value
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Section 137Causing an insured event
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Section 138Exclusion of liability for ships
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Section 139Sale of the insured object or goods
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Section 140Sale of the insured ship
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Section 141Release following payment of the sum insured
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Chapter 4
Building fire insurance
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Section 142Disclosures to mortgage creditors
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Section 143Continuation of liability towards mortgage creditors
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Section 144Termination of the contract by the policyholder
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Section 145Assignment of the mortgage
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Section 146Duty of the insurer to provide confirmation and disclose information
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Section 147Change of mortgage creditor's address and name
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Section 148Other charges on real property
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Section 149Owner's charges on real property
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Chapter 5
Life insurance
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Section 150Insured person
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Section 151Medical examination
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Section 152Revocation by the policyholder
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Section 153Surplus sharing
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Section 154Model calculation
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Section 155Annual information
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Section 156Knowledge and conduct of the insured person
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Section 157Declaring incorrect age
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Section 158Change in risk
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Section 159Appointment of beneficiary
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Section 160Interpretation of the appointment of beneficiary
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Section 161Suicide
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Section 162Killing by the beneficiary
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Section 163Change in premium and benefits payable
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Section 164Adjustment of the terms
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Section 165Fully paid-up insurance
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Section 166Termination of the contract by the insurer
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Section 167Conversion to qualify for exemption from attachment
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Section 168Termination of the contract by the policyholder
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Section 169Surrender value
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Section 170Right of subrogation
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Section 171Deviating agreements
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Chapter 6
Occupational disability insurance
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Section 172Insurer's liability
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Section 173Acknowledgement
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Section 174Release from liability
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Section 175Deviating agreements
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Section 176Applicable provisions
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Section 177Similar contracts of insurance
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Section 178Insurer's liability
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Section 179Insured person
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Section 180Invalidity
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Section 181Aggravation of risk
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Section 182Contributory causes
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Section 183Causing the insured event
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Section 184Loss avoidance and minimisation
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Section 185Appointment of beneficiary
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Section 186Insurer's duty to provide information
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Section 187Acknowledgement
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Section 188Re-assessment of invalidity
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Section 189Drawing on an expert, costs of ascertaining the loss
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Section 190Compulsory insurance
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Section 191Deviating agreements
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Chapter 8
Health insurance
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Section 192Typical obligations incumbent on the insurer
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Section 193Insured person; obligatory insurance
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Section 194Applicable provisions
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Section 195Period of insurance
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Section 196Time limit on daily sickness allowance insurance
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Section 197Qualifying periods
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Section 198Supplementary insurance for children
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Section 199Public servants entitled to sickness allowance
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Section 200Prohibition of enrichment
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Section 201Causing an insured event
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Section 202Insurer's duty to provide information; costs of ascertaining the loss
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Section 203Adjustment of premium and conditions
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Section 204Change of tariff
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Section 205Termination of the contract by the policyholder
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Section 206Termination by the insurer
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Section 207Continuation of the insurance agreement
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Section 208Deviating agreements
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Part 3
Concluding provisions
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Section 209Reinsurance, maritime insurance
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Section 210Jumbo risks, open policy
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Section 211Pension funds, small insurance associations, insurances with small contributions
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Section 212Continuation of life insurance after parental leave
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Section 213Acquiring personal health-related data from third parties
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Section 214Conciliation board
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Section 215Place of jurisdiction
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Section 216Derivative right of action with a majority of insurers
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Annex (re section 8 subsection (5), sentence 1)
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