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Änderungen des Bundesgesetzes über den Versicherungsvertrag (VVG), die am 1. Januar 2006 in Kraft getreten sind, besonders betroffen. Dies gilt vor allem für den neuen Wortlaut von Artikel 54. <\/p><p>Bisher hatte der Neuerwerber einer Liegenschaft eine Frist von 14 Tagen ab der Handänderung, um einen laufenden Versicherungsvertrag zu kündigen, andernfalls blieb die Versicherungsdeckung aufrecht erhalten. Seit dem 1. Januar 2006 gilt das Gegenteil. Wechselt die versicherte Liegenschaft den Eigentümer - dies gilt auch für Todesfälle -, enden die laufenden Verträge zum Zeitpunkt des Eigentumsübergangs. Die einzige Ausnahme von diesem Grundsatz sind die obligatorischen Versicherungen gegen Feuer- und Elementarschäden, welche vollständig auf den neuen Eigentümer übergehen. Hierbei ist aber zu beachten, dass einige Kantone für diese Risiken kein Versicherungsobligatorium kennen.<\/p><p>Der alte Wortlaut von Artikel 54 VVG ging grundsätzlich vom Weiterbestehen der Versicherungsdeckung aus. Die seit dem 1. Januar 2006 geltende Regelung hingegen bewirkt, insbesondere im Gebäudebereich, dass der neue Eigentümer riskiert, ohne Versicherungsdeckung dazustehen, sei es auch nur für eine kurze Zeitspanne. Ein solcher Zustand ist unhaltbar. Unterbrechungen der Versicherungsdeckung können unvorhersehbar sein und plötzlich eintreten; zu denken ist hier namentlich an Todesfälle. Erbschaften, welche Liegenschaften umfassen, nehmen für die Abwicklung nicht selten eine beträchtliche Zeit in Anspruch. Die Erben als zukünftige Eigentümer sind der Gefahr ausgesetzt, persönlich - ohne Deckung durch eine Versicherung - Schäden tragen zu müssen, die nach dem Tod des ehemaligen Besitzers eingetreten sind und deshalb nicht mehr durch den von ihm abgeschlossenen Versicherungsvertrag gedeckt sind. Zum Schutz des neuen Eigentümers ist Artikel 54 VVG deshalb in der vorgeschlagenen Weise zu ändern.<\/p>"},{"type":{"id":5,"name":"Eingereichter Text"},"value":"<p>Gestützt auf Artikel 160 Absatz 1 der Bundesverfassung und Artikel 107 des Parlamentsgesetzes reiche ich folgende parlamentarische Initiative ein: <\/p><p>Das Bundesgesetz über den Versicherungsvertrag (VVG; SR 221.229.1) wird wie folgt geändert: <\/p><p>Art. 54<\/p><p>Abs. 1<\/p><p>Unverändert<\/p><p>Abs. 2<\/p><p>Ist ein Grundstück Gegenstand des Versicherungsvertrages, so geht der Vertrag bei einer Handänderung auf den Erwerber über, sofern dieser oder der Versicherer den Vertrag nicht innert 14 Tagen nach der Handänderung kündigen.<\/p>"},{"type":{"id":1,"name":"Titel des Geschäftes"},"value":"Versicherungsdeckung. Lücke beim Tod des Eigentümers"}],"title":"Versicherungsdeckung. Lücke beim Tod des Eigentümers"}