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0030946 AI generated

Particular clauses in adhesion insurance contracts prevail over general clauses when incompatible.

Case Number 0030946
Court / Authority
Jurisdiction Portugal (PT)
Decision Date
Outcome Allowed / Granted
Open official source Machine-readable Markdown (.md)

Legislator summary

AI generated

The Tribunal da Relação do Porto confirmed the lower court's decision regarding an insurance contract dispute. The appellant argued that general standard clauses should govern the policy terms, while the respondent insisted that specific clauses covering death and permanent disability without limitation took precedence. The court ruled that particular clauses in adhesion contracts must prevail over general clauses whenever they are incompatible, ensuring the specific coverage is not restricted by broader definitions.

Legislator headnote

Official

SEGURO CONTRATO DE ADESÃO CLÁUSULA GERAL DECLARAÇÃO EXPRESSA PREVALÊNCIA

Keywords

AI generated
adhesion contracts particular clauses general clauses insurance policy contractual incompatibility prevalence of terms beneficiary coverage

Cited Legislation

AI generated
DL 446/85 de 1985/10/25 com a redacção do DL 220/95 de 1995/01/31 e DL 249/99 de 1999/06/07, Art. 10; Art. 11
CCIV.66
Art. 236
Art. 227, n.º 1
Art. 762, n.º 2

Cited Case Law

AI generated
AC STJ de 1997/02/06 IN CJSTJ T1 ANOV PAG101

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Full text

[DATA DEC. RECORRIDA] 10/25/1999

[Nº CONVENCIONAL] JTRP00029175

[Nº DO DOCUMENTO] RP200006290030946

[PRIVACIDADE] 1

[PROCESSO NO TRIBUNAL RECORRIDO] 139/97

[TEXTO INTEGRAL] N

[TRIBUNAL RECORRIDO] 4 J CIV STO TIRSO

[URL] https://www.dgsi.pt/jtrp.nsf/56a6e7121657f91e80257cda00381fdf/02A595DC2FD91D4B8025696C0033768C?OpenDocument

SUMÁRIO

I - As cláusulas particulares acrescentadas nos contratos de adesão com modelos ou formulários pré-definidos, devem prevalecer sobre estas, sempre que se mostrem com elas incompatíveis.

II - Assim, se nas condições particulares da apólice está coberto o risco de morte ou invalidez permanente do beneficiário, sem qualquer limitação, não pode esse risco ser condicionado à causa da morte definida nas cláusulas gerais.