{"id":152,"date":"2026-02-19T17:17:08","date_gmt":"2026-02-19T16:17:08","guid":{"rendered":"https:\/\/segurosquico.com\/?p=152"},"modified":"2026-02-19T17:21:37","modified_gmt":"2026-02-19T16:21:37","slug":"152","status":"publish","type":"post","link":"https:\/\/segurosquico.com\/en\/2026\/02\/19\/152\/","title":{"rendered":"Sobre la cl\u00e1usula de exclusi\u00f3n por &#8220;falta de vigilancia&#8221; en robo."},"content":{"rendered":"\n<p>Sentencia 7 \u2014 Cl\u00e1usula de exclusi\u00f3n por &#8220;falta de vigilancia&#8221; en robo: es limitativa, no delimitadora.<\/p>\n\n\n\n<p><br>STS, de 18 de julio de 2025 (Seguro de transporte, aplicable por analog\u00eda al hogar)<br>El Supremo declara que la cl\u00e1usula que excluye la cobertura de robo cuando no hubo &#8220;debida vigilancia&#8221; es una cl\u00e1usula limitativa de derechos (no meramente delimitadora del riesgo), porque restringe de forma sorpresiva el derecho a cobrar una vez ocurrido el siniestro. Por tanto, debe cumplir los requisitos del art. 3 LCS: estar destacada tipogr\u00e1ficamente y aceptada expresamente por escrito. Si no lo est\u00e1, la exclusi\u00f3n no vale.<\/p>\n\n\n\n<p> Aplicaci\u00f3n pr\u00e1ctica en hogar: si tu seguro rechaza un robo alegando que no cerrabas con llave o que dejaste el coche abierto, revisa si esa cl\u00e1usula est\u00e1 correctamente firmada.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sentencia 7 \u2014 Cl\u00e1usula de exclusi\u00f3n por &#8220;falta de vigilancia&#8221; en robo: es limitativa, no delimitadora. STS, de 18 de&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-152","post","type-post","status-publish","format-standard","hentry","category-sin-categoria"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Sobre la cl\u00e1usula de exclusi\u00f3n por &quot;falta de vigilancia&quot; en robo.<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/segurosquico.com\/en\/2026\/02\/19\/152\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:locale:alternate\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Sobre la cl\u00e1usula de exclusi\u00f3n por &quot;falta de vigilancia&quot; en robo.\" \/>\n<meta property=\"og:description\" content=\"Sentencia 7 \u2014 Cl\u00e1usula de exclusi\u00f3n por &#8220;falta de vigilancia&#8221; en robo: es limitativa, no delimitadora. 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