Insurance policy withdrawal period and limitation of misadvice damages

101 C 210/10Tribunal de première instance12 janv. 2011Droit civilRejeté

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Résumé Omnilex

The Bonn District Court dismissed the plaintiff’s action in an insurance dispute. It held that § 5a VVG (old version) was compatible with European Community law and that, where the required policy documents were sent after contract conclusion, the withdrawal period began upon their delivery. It also stated that damages for negligent advice were subject to the five-year limitation period under § 12(1) VVG (old version), running from the end of the year in which the benefit could be demanded. The plaintiff was ordered to bear the costs.

Regeste Omnilex

§ 5a(2), fourth sentence, VVG (old version); compatibility with European Community law and commencement of the withdrawal period; § 12(1) VVG (old version); limitation of damages claims for negligent advice. The statutory withdrawal regime does not contravene European Community law. If the documents required under § 10a VAG are provided to the policyholder only after the contract has been concluded, the withdrawal period under § 5a VVG (old version) begins upon their subsequent transmission. A claim for damages arising from negligent advice is subject to the five-year limitation period in § 12(1) VVG (old version), calculated from the end of the year in which the benefit may be demanded.

Texte intégral

Amtsgericht Bonn — 101 C 210/10 — Urteil

Entscheidungsdatum: 2011-01-12

Aktenzeichen: 101 C 210/10

ECLI: ECLI:DE:AGBN:2011:0112.101C210.10.00

Dokumenttyp: Urteil

Spruchkörper: 101. Zivilabteilung

Normen: VVG §§ 5a Abs. 2 Satz 4 a.F., 12 Abs. 1; VAG § 10; BGB § 280; EG Art. 234

Leitsätze

  1. § 5a VVG verstößt nicht gegen europäisches Gemeinschaftsrecht.

  2. Werden dem Versicherungsnehmer die nach § 10 a erforderlichen Unterlagen nach Vertragsabschluss übermittelt, so läuft ab diesem Zeitpunkt die Widerrufsfrist des § 5a a.F.

  3. Der Anspruch auf Schadensersatz wegen Fehlberatung verjährt nach § 12 ABs. 1 VVG a.F. fünf Jahre nach dem Schluss des Jahres in welchem die Leistung verlangt werden kann.

Tenor

Die Klage wird abgewiesen.

Die Kosten des Rechtsstreits trägt der Kläger.

Das Urteil ist vorläufig vollstreckbar. Der Kläger kann die Vollstreckung durch Sicherheitsleistung in Höhe von 110 % des aufgrund des Urteils vollstreckbaren Betrags abwenden, wenn nicht die Beklagte zuvor Sicherheit in gleicher Höhe leistet.

Mots-clés

insurance contractwithdrawal periodlimitation periodnegligent adviceEuropean Community law

Questions juridiques clés extraites par Omnilex

Whether the withdrawal regime under § 5a VVG (old version) was compatible with European Community law.

The court held that § 5a VVG did not conflict with European Community law.

Whether the withdrawal period under § 5a VVG (old version) began when required policy documents were sent after conclusion of the contract.

The withdrawal period began when the required documents were subsequently sent to the policyholder.

Whether a claim for damages for negligent insurance advice was time-barred under § 12(1) VVG (old version).

The claim became time-barred five years after the end of the year in which the benefit could be demanded.

The plaintiff's claim against the defendant.

The claim was dismissed.

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