Protecciones no activadas en robo de viviendas y empresas
En otro post explicábamos qué es una regla de equidad y una de las situaciones donde se suele aplicar. En esta ocasión te explicaremos cómo la aseguradora te puede aplicar este antipático descuento denominado «regla de equidad» cuando no has dejado «activadas» las protecciones del hogar declaradas en la póliza de seguro.
Las protecciones declaradas
Si tu contrato de seguro detalla que tienes una serie de protecciones, como son rejas en ventanas y resto de accesos, puertas blindadas, alarma conectada a central receptora o policía, etcétera, y resulta que no es cierto y te beneficiaste de un descuento por haber declarado algo que no tenías, en el momento del siniestro de robo, el seguro puede hacerte el mismo descuento en la indemnización en la misma proporción que te beneficiaste por no tener algo que dijiste que tenías.
Pero resulta que si, pese a tener alarma o rejas, resulta que te olvidas de armar o activar la alarma, te olvidas de cerrar las rejas de tu domicilio o empresa cuando te ausentas y por mala suerte te entran a robar, la aseguradora interpreta que es como si hubieras declarado las medidas de seguridad y no existieran (ya que no están activadas), y por tanto, te aplicarán la misma regla de equidad o descuento que por no tenerlas. Y te aseguramos que no te va ha hacer ninguna gracia.
Por tanto es muy importante declarar siempre la verdad al seguro, repasar tu contrato para que se adecue a la realidad para no tener sorpresas desagradables. Y sobretodo activar todas las medidas de seguridad que haya declaradas en las condiciones particulares del contrato de seguro.
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La aplicación de la regla de equidad
Ahora bien, ¿cómo sabes que el seguro te aplica la regla de equidad que corresponde? Debes exigir siempre que un actuario de seguros de la compañía te pase un certificado con las tasas aplicadas y con el descuento que te deben aplicar. No sirve un simple escrito de la aseguradora con el descuento según la Ley Nabal. Debes tener un certificado a modo que, si no te dicen la verdad, le puedas reclamar al actuario y al asegurador acciones penales por falsedad documental o intento de estafa si resulta que el certificado es falso.
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Es importante estudiar bien cada seguro antes de contratarlo. Igualmente, en estos casos, nada mejor que consultar con un profesional. Un saludo.