{"id":988916,"date":"2022-04-11T07:00:13","date_gmt":"2022-04-11T05:00:13","guid":{"rendered":"https:\/\/gcebollero.com\/que-faig-si-mhan-pujat-lasseguranca-sense-avisar\/"},"modified":"2026-09-15T14:59:52","modified_gmt":"2026-09-15T12:59:52","slug":"que-faig-si-mhan-pujat-lasseguranca-sense-avisar","status":"publish","type":"post","link":"https:\/\/gcebollero.com\/ca\/que-faig-si-mhan-pujat-lasseguranca-sense-avisar\/","title":{"rendered":"Qu\u00e8 faig si m\u2019han pujat l\u2019asseguran\u00e7a sense avisar?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"988916\" class=\"elementor elementor-988916 elementor-4219\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d1a34c2 e-flex e-con-boxed e-con e-parent\" data-id=\"d1a34c2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"vamtam-has-theme-widget-styles elementor-element elementor-element-48ba3f5 elementor-widget elementor-widget-text-editor\" data-id=\"48ba3f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>\u00c9s legal qu\u00e8 em pugin la prima sense avisar?<\/strong><\/p><p>El prenedor de l\u2019asseguran\u00e7a est\u00e0 obligat al pagament de la prima en les condicions estipulades a la p\u00f2lissa. Si s\u2019han pactat primes peri\u00f2diques, la primera ser\u00e0 exigible un cop signat el contracte. A partir d\u2019aqu\u00ed, qualsevol modificaci\u00f3 de la primera suposa una modificaci\u00f3 contractual conforme a l\u2019article 1.203.1 del Codi Civil, per la qual cosa, en conseq\u00fc\u00e8ncia, no cal deixar a l\u2019arbitri d\u2019un dels contractants la variaci\u00f3 d\u2019aquesta obligaci\u00f3 pactada, prescindint del consentiment de l\u2019altra part.<\/p><p><strong>Si l\u2019asseguradora pret\u00e9n l\u2019increment de la prima<\/strong>, requereix necess\u00e0riament el consentiment previ del prenedor de l\u2019asseguran\u00e7a i per aix\u00f2 ha de seguir una s\u00e8rie de formalitats que han de ser completes.<\/p><p>D\u2019acord amb el criteri de la Direcci\u00f3 General d\u2019Assegurances, amb relaci\u00f3 a l\u2019augment de la prima poden donar-se dos sup\u00f2sits:<\/p><p>Que la modificaci\u00f3 de la prima estigui prevista en el contracte: en aquest sup\u00f2sit, no es requereix una nova acceptaci\u00f3 del prenedor, ja que va prestar el seu consentiment en subscriure l\u2019asseguran\u00e7a inicialment.<\/p><p>Que la modificaci\u00f3 de la primera no estigui prevista en el contracte: en aquest cas, l\u2019augment de la mateixa ha de ser acceptada pel prenedor de l\u2019asseguran\u00e7a, en aplicaci\u00f3 de l\u2019article 5 de la Llei de Contracte d\u2019Assegurances.<\/p><p><strong>Hi ha un termini de notificaci\u00f3 de pujada?<\/strong><\/p><p>Si l\u2019asseguradora pret\u00e9n augmentar la prima per al nou per\u00edode de cobertura, haur\u00e0 de comunicar al prenedor de l\u2019asseguran\u00e7a l\u2019increment amb dos mesos d\u2019antelaci\u00f3 al venciment del contracte, tal com s\u2019estableix a l\u2019article 22.2 de la Llei 50\/1980, de 8 d\u2019octubre. De Contracte d\u2019asseguran\u00e7a:<\/p><p>Les parts poden oposar-se a la pr\u00f2rroga del contracte mitjan\u00e7ant una notificaci\u00f3 escrita a l\u2019altra part, efectuada amb un termini de dos mesos d\u2019anticipaci\u00f3 a la conclusi\u00f3 del per\u00edode de l\u2019asseguran\u00e7a en curs quan sigui l\u2019assegurador.<\/p><p>En cas que l\u2019assegurat hagi estat notificat abans dels dos mesos a la conclusi\u00f3 del per\u00edode en curs i no accepti la pujada de la prima, <strong>l\u2019entitat podr\u00e0 negar-se a prorrogar el contracte per al per\u00edode de cobertura seg\u00fcent.<\/strong><\/p><p>En cas contrari, si la companyia asseguradora comunica al prenedor la pujada de la prima faltant menys de dos mesos per a la finalitzaci\u00f3 del contracte, si el prenedor de l\u2019asseguran\u00e7a no accepta aquesta pujada, l\u2019asseguradora no podr\u00e0 procedir a l\u2019increment i, per aix\u00f2 tant, haur\u00e0 de respectar la prima del per\u00edode anterior fins al venciment del seg\u00fcent per\u00edode en qu\u00e8, sempre que ho notifiqui amb almenys dos mesos d\u2019anticipaci\u00f3 a la conclusi\u00f3 del per\u00edode esmentat, podr\u00e0 rescindir el contracte.<\/p><p><strong>Qu\u00e8 puc fer si pugen l\u2019asseguran\u00e7a del cotxe sense avisar?<\/strong><\/p><p>El prenedor pot anul\u00b7lar el contracte, ja que la Llei de Contracte d\u2019Asseguran\u00e7a estipula que la companyia asseguradora ha d\u2019informar el client amb almenys dos mesos de preav\u00eds de qualsevol canvi a la prima perqu\u00e8, en el cas de no estar conforme, pugui anul\u00b7lar-ho.<\/p><p>Si l\u2019asseguradora no ha donat el preav\u00eds necessari, ha vulnerat la Llei de contracte d\u2019asseguran\u00e7a, que li prohibeix modificar unilateralment el contracte.<br\/><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Pujada de l&#8217;asseguran\u00e7a sense av\u00eds: Descobreix si \u00e9s legal que augmentin la prima, quins terminis han de complir i com reclamar o anul\u00b7lar la p\u00f2lissa.<\/p>\n","protected":false},"author":1,"featured_media":988917,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[119],"tags":[],"class_list":["post-988916","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-civil"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Qu\u00e8 faig si m\u2019han pujat l\u2019asseguran\u00e7a sense avisar? 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