Insurance on multiple things depending on the type of risk insured him, it may be insurance of damage to crops or livestock deaths may be against theft or waste, etc. The most important of these species and the most is fire insurance.
And the risk of fire hazards most prevalent and exposed to all living beings and non-living (things), if he suffered insured person entered the scope of insurance to persons (injury or death) and if he suffered money insured income in the insurance industry on things.And fire insurance, as a contract, he or she requires that you have all the ingredients to make contracts, holiday and conditions particularly already dealt with the statement in the insurance contract would generally .
The insurer guarantees all the damage caused by the fire and suffered thing insured the risk of fire [Article (766) civilian ([1])] and fall within the scope of this warranty fire caused by the fault of the Insured or fortuitous event or force majeure . And enters - Also - In this range damages arising from errors of people who ask them insured whatever degree and extent of these errors [Article (769) civilian([2]) and ensures - Also - Insured damage caused by fire, even if arising from a defect in the same thing insured [Article (767) civilian ([3]).
And includes ensuring that the insured damages that are the inevitable result to check the risk of fire if the fire had not spread to it but arose from the work required to steamroll [Article (766) civilian ([4])]
And out of the scope of ensuring insured losses and damage caused by the insured deliberately or fraud, even if it had been agreed that [Article (768) civilian ([5])] .
([1]) Article (766) as a civilian "in fire insurance, the insured shall be responsible for all damages arising from the fire, or the beginning of a fire can become a full fire, or fire risk can be achieved."
Article (933) of the Jordanian Civil Code states that "the insured shall be responsible in the fire insurance:
1 - For damages arising from the fire if it is caused with earthquakes, lightning, tornadoes, wind, hurricanes and home explosions and unrest caused by the fall of the aircraft and other marine vessels or whatever is the norm inside the coverage of this type of insurance.
2 - For damages that are the inevitable result of the fire.
3 - For damage to the insured because of things means taken to save or to prevent the fire from spreading.
4 - for the loss of the things insured or disappeared during the fire unless it is proved that this was the result of theft."
Article (1037) of the UAE Civil Transactions Law on similar text Jordanian text.
([2]) Article (769) as a civilian, "asks the insured for the damage caused by the people who insured shall be responsible for them, no matter what type and extent of their mistake."
Article (1040) of the UAE Civil Transactions Law that "The insured shall be responsible for fire damage caused by the Continued Insured Whatever type error".
Article (935) of the Jordanian Civil Code text that is similar to the UAE text.
([3]) Article (767) as a civilian "ensures insured damage caused by fire, even if this fire originated from a defect in the thing insured."
Article (936) of the Jordanian Civil Code states that "the insured shall be responsible for damages caused by fire, even if this fire originated from a defect in the thing insured."
Article (1041) of the UAE Civil Transactions Law on similar text to the Jordanian text.
([4]) The second paragraph of Article (766) Civil law that "not only commitment (insured) to damage caused directly by fire, but also the damage that are the inevitable result of this, especially those attached to things insured damage due to take the means of rescue or to prevent any spillover of fire ".
([5]) Article (768) civilians as "1 - the insured shall be responsible for damages arising from the error unintentional insured, as well as be responsible for damages resulting from a sudden accident or force majeure. 2 - As the losses and damage caused by the insured deliberately or fraud, it is not insured are responsible for it, even if it was agreed on that. "
Article (1038) of the UAE Civil Transactions Law that "the insured shall be responsible for fire damage, which occurs due to an error insured or beneficiary."
Article (1039) of the UAE Civil Transactions Law that "the insured shall not be liable for damage caused by the insured or the beneficiary intentionally or not cheating if otherwise agreed."
Article (934) of the Jordanian Civil Code the text similar to that of UAE law.
التسميات
Insurance Damage