{"id":10994,"date":"2025-10-01T19:59:00","date_gmt":"2025-10-01T17:59:00","guid":{"rendered":"https:\/\/www.sfpf.fr\/actu\/?p=10994"},"modified":"2025-09-30T18:20:27","modified_gmt":"2025-09-30T16:20:27","slug":"la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable","status":"publish","type":"post","link":"https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable","title":{"rendered":"La Cour de Cassation tranche : une clause d\u2019exclusion trop vague devient inapplicable"},"content":{"rendered":"\n<\/p>\n

Les litiges en assurance ne cessent d\u2019augmenter, souvent aliment\u00e9s par des clauses contractuelles difficiles \u00e0 interpr\u00e9ter. Les assureurs cherchent \u00e0 se prot\u00e9ger contre certains risques tandis que les assur\u00e9s veulent comprendre pr\u00e9cis\u00e9ment l\u2019\u00e9tendue de leur garantie. C\u2019est dans ce contexte qu\u2019une affaire jug\u00e9e par la haute juridiction a retenu mon attention : elle pourrait bien bouleverser certaines pratiques.<\/p>\n

Un contrat contest\u00e9 jusqu\u2019au sommet<\/h2>\n

L\u2019affaire concernait un assur\u00e9 confront\u00e9 \u00e0 une clause d\u2019exclusion ins\u00e9r\u00e9e dans son contrat. Le texte, r\u00e9dig\u00e9 de mani\u00e8re g\u00e9n\u00e9rale, excluait certains types de dommages sans pour autant les d\u00e9finir clairement. Face au refus d\u2019indemnisation de l\u2019assureur, l\u2019assur\u00e9 a saisi la justice. Apr\u00e8s plusieurs \u00e9tapes judiciaires, le dossier s\u2019est retrouv\u00e9 devant la Cour de cassation.<\/p>\n

L\u2019enjeu \u00e9tait simple mais fondamental : une clause peut-elle \u00eatre appliqu\u00e9e si elle n\u2019est pas r\u00e9dig\u00e9e avec suffisamment de pr\u00e9cision\u202f? Selon les magistrats, la r\u00e9ponse est non. Une clause trop vague perd sa force contraignante et devient donc inopposable \u00e0 l\u2019assur\u00e9.<\/p>\n

Une d\u00e9cision qui clarifie les rapports assureur-assur\u00e9<\/h2>\n

La Cour rappelle que toute exclusion doit \u00eatre formelle et limit\u00e9e. En d\u2019autres termes, elle doit \u00eatre compr\u00e9hensible pour un souscripteur moyen et ne pas laisser place \u00e0 l\u2019interpr\u00e9tation. L\u2019id\u00e9e est d\u2019\u00e9viter que l\u2019assur\u00e9 d\u00e9couvre au moment du sinistre que sa garantie est vid\u00e9e de sa substance.<\/p>\n

\u00ab J\u2019ai toujours eu le sentiment que ces clauses \u00e9taient \u00e9crites pour d\u00e9courager plut\u00f4t que pour prot\u00e9ger \u00bb, m\u2019a confi\u00e9 un avocat sp\u00e9cialis\u00e9 en droit des assurances interrog\u00e9 apr\u00e8s l\u2019arr\u00eat. \u00ab La phrase \u2018clause d\u2019exclusion trop vague devient inapplicable\u2019 prononc\u00e9e dans cette affaire illustre bien ce changement n\u00e9cessaire \u00bb.<\/p><\/blockquote>\n

Des cons\u00e9quences pratiques imm\u00e9diates<\/h2>\n

Cette d\u00e9cision impacte directement la mani\u00e8re dont les contrats seront r\u00e9dig\u00e9s \u00e0 l\u2019avenir. Les compagnies d\u2019assurance devront redoubler de pr\u00e9cision dans leurs documents, sous peine de voir leurs exclusions retoqu\u00e9es par les tribunaux. Pour les assur\u00e9s, c\u2019est une garantie suppl\u00e9mentaire de transparence.<\/p>\n\n\n\n\n\n
Domaine<\/th>\nAvant la d\u00e9cision<\/th>\nApr\u00e8s la d\u00e9cision<\/th>\n<\/tr>\n
Sant\u00e9<\/td>\nExclusions g\u00e9n\u00e9rales parfois floues (ex: maladies pr\u00e9existantes)<\/td>\nN\u00e9cessit\u00e9 de pr\u00e9ciser chaque pathologie ou condition concern\u00e9e<\/td>\n<\/tr>\n
Habitation<\/td>\nMentions vagues comme \u201cdommages dus \u00e0 un d\u00e9faut d\u2019entretien\u201d<\/td>\nD\u00e9tails exig\u00e9s sur ce qui constitue un d\u00e9faut pr\u00e9cis<\/td>\n<\/tr>\n
A\u00e9rien\/transport<\/td>\nPhrases globales sur \u201cmauvaise utilisation\u201d des \u00e9quipements<\/td>\nDescription claire des cas exclus (ex: surcharge volontaire)<\/td>\n<\/tr>\n<\/table>\n

L\u2019impact sur le march\u00e9 et sur les assur\u00e9s<\/h2>\n

D\u2019un c\u00f4t\u00e9, cette jurisprudence contraint les assureurs \u00e0 adapter leurs m\u00e9thodes contractuelles. De l\u2019autre, elle ouvre une br\u00e8che pour les consommateurs qui n\u2019ont plus \u00e0 craindre des formulations ambigu\u00ebs au moment crucial. Cela pourrait inciter davantage d\u2019assur\u00e9s \u00e0 contester en justice des refus qu\u2019ils jugeaient jusqu\u2019ici inattaquables.<\/p>\n

    \n
  • Cela pourrait entra\u00eener une hausse temporaire du contentieux entre assur\u00e9s et assureurs.<\/li>\n
  • Certaines compagnies vont revoir int\u00e9gralement leurs mod\u00e8les contractuels.<\/li>\n
  • L\u2019\u00e9quilibre entre protection du consommateur et viabilit\u00e9 \u00e9conomique des assureurs reste fragile.<\/li>\n<\/ul>\n

    Avenir et d\u00e9bats \u00e0 venir<\/h2>\n

    Derri\u00e8re cette d\u00e9cision se cache une tension plus large : comment concilier clart\u00e9 juridique et gestion du risque par les assureurs\u202f? Les prochains mois diront si cette jurisprudence marque un tournant durable ou si elle reste cantonn\u00e9e \u00e0 quelques cas embl\u00e9matiques. Mais d\u00e9j\u00e0, le sujet divise juristes et acteurs \u00e9conomiques.<\/p>\n

    \u00ab\u00a0Beaucoup pensent que cette d\u00e9cision va faire grimper m\u00e9caniquement le co\u00fbt des primes\u00a0\u00bb, poursuit mon interlocuteur. \u00ab\u00a0Pourtant, il faut aussi reconna\u00eetre qu\u2019elle remet enfin le consommateur au centre du contrat\u00a0\u00bb.<\/p><\/blockquote>\n

    Cet arr\u00eat vient rappeler une \u00e9vidence parfois oubli\u00e9e : un contrat engage deux parties et chacun doit pouvoir y trouver une lisibilit\u00e9 totale. Au-del\u00e0 du droit pur, il pose donc aussi la question sociale du rapport entre institutions financi\u00e8res et citoyens ordinaires.<\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":29,"featured_media":11006,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"subtitle":"Dans un climat juridique d\u00e9j\u00e0 tendu o\u00f9 les contrats d\u2019assurance sont scrut\u00e9s \u00e0 la loupe, une d\u00e9cision r\u00e9cente de la Cour de cassation vient relancer le d\u00e9bat sur la r\u00e9daction des clauses qui fixent les limites de la couverture et suscite une attention particuli\u00e8re des professionnels du droit.","footnotes":""},"categories":[1],"tags":[945,955,942,956],"class_list":["post-10994","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-journal","tag-assurance","tag-clause-dexclusion","tag-contrat","tag-cour-de-cassation","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-33"],"acf":{"subtitle":"Dans un climat juridique d\u00e9j\u00e0 tendu o\u00f9 les contrats d\u2019assurance sont scrut\u00e9s \u00e0 la loupe, une d\u00e9cision r\u00e9cente de la Cour de cassation vient relancer le d\u00e9bat sur la r\u00e9daction des clauses qui fixent les limites de la couverture et suscite une attention particuli\u00e8re des professionnels du droit."},"yoast_head":"\nLa Cour de Cassation tranche : une clause d\u2019exclusion trop vague devient inapplicable | SFPF<\/title>\n<meta name=\"description\" content=\"Les litiges en assurance ne cessent d\u2019augmenter, souvent aliment\u00e9s par des clauses contractuelles difficiles \u00e0 interpr\u00e9ter. Les assureurs cherchent \u00e0 se\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La Cour de Cassation tranche : une clause d\u2019exclusion trop vague devient inapplicable | SFPF\" \/>\n<meta property=\"og:description\" content=\"Les litiges en assurance ne cessent d\u2019augmenter, souvent aliment\u00e9s par des clauses contractuelles difficiles \u00e0 interpr\u00e9ter. Les assureurs cherchent \u00e0 se\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable\" \/>\n<meta property=\"og:site_name\" content=\"SFPF\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-01T17:59:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.sfpf.fr\/actu\/wp-content\/uploads\/2025\/09\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"673\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Laredac\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Laredac\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable\"},\"author\":{\"name\":\"Laredac\",\"@id\":\"https:\/\/www.sfpf.fr\/actu\/#\/schema\/person\/bd87396233d24e5e46c39394bfc2a378\"},\"headline\":\"La Cour de Cassation tranche : une clause d\u2019exclusion trop vague devient inapplicable\",\"datePublished\":\"2025-10-01T17:59:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable\"},\"wordCount\":692,\"commentCount\":20,\"publisher\":{\"@id\":\"https:\/\/www.sfpf.fr\/actu\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.sfpf.fr\/actu\/wp-content\/uploads\/2025\/09\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable-scaled.jpg\",\"keywords\":[\"Assurance\",\"Clause d\u2019exclusion\",\"Contrat\",\"Cour de cassation\"],\"articleSection\":[\"Journal\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable\",\"url\":\"https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable\",\"name\":\"La Cour de Cassation tranche : une clause d\u2019exclusion trop vague devient inapplicable | SFPF\",\"isPartOf\":{\"@id\":\"https:\/\/www.sfpf.fr\/actu\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.sfpf.fr\/actu\/wp-content\/uploads\/2025\/09\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable-scaled.jpg\",\"datePublished\":\"2025-10-01T17:59:00+00:00\",\"description\":\"Les litiges en assurance ne cessent d\u2019augmenter, souvent aliment\u00e9s par des clauses contractuelles difficiles \u00e0 interpr\u00e9ter. Les assureurs cherchent \u00e0 se\",\"breadcrumb\":{\"@id\":\"https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable#primaryimage\",\"url\":\"https:\/\/www.sfpf.fr\/actu\/wp-content\/uploads\/2025\/09\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable-scaled.jpg\",\"contentUrl\":\"https:\/\/www.sfpf.fr\/actu\/wp-content\/uploads\/2025\/09\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable-scaled.jpg\",\"width\":1200,\"height\":673,\"caption\":\"La Cour de Cassation tranche : une clause d\u2019exclusion trop vague devient inapplicable\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.sfpf.fr\/actu\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Journal\",\"item\":\"https:\/\/www.sfpf.fr\/actu\/categorie\/journal\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"La Cour de Cassation tranche : une clause d\u2019exclusion trop vague devient inapplicable\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.sfpf.fr\/actu\/#website\",\"url\":\"https:\/\/www.sfpf.fr\/actu\/\",\"name\":\"SFPF\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.sfpf.fr\/actu\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.sfpf.fr\/actu\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.sfpf.fr\/actu\/#organization\",\"name\":\"SFPF\",\"url\":\"https:\/\/www.sfpf.fr\/actu\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.sfpf.fr\/actu\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.sfpf.fr\/actu\/wp-content\/uploads\/2025\/09\/media.png\",\"contentUrl\":\"https:\/\/www.sfpf.fr\/actu\/wp-content\/uploads\/2025\/09\/media.png\",\"width\":178,\"height\":100,\"caption\":\"SFPF\"},\"image\":{\"@id\":\"https:\/\/www.sfpf.fr\/actu\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.sfpf.fr\/actu\/#\/schema\/person\/bd87396233d24e5e46c39394bfc2a378\",\"name\":\"Laredac\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.sfpf.fr\/actu\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/www.sfpf.fr\/actu\/wp-content\/uploads\/2025\/09\/Design-sans-titre-10.jpg\",\"contentUrl\":\"https:\/\/www.sfpf.fr\/actu\/wp-content\/uploads\/2025\/09\/Design-sans-titre-10.jpg\",\"caption\":\"Laredac\"},\"description\":\"La R\u00e9daction, c\u2019est une petite \u00e9quipe de b\u00e9n\u00e9voles curieux et passionn\u00e9s. Si chacun cultive ses propres centres d\u2019int\u00e9r\u00eat \u2014 timbres fiscaux, monnaies, documents anciens ou objets de collection en tout genre \u2014 tous partagent le go\u00fbt de la d\u00e9couverte, de l\u2019authentique et du savoir bien transmis. Attach\u00e9e \u00e0 la qualit\u00e9 de l\u2019information, la r\u00e9daction s\u2019attache \u00e0 couvrir l\u2019actualit\u00e9 des collections, les nouveaut\u00e9s du march\u00e9, les tendances, mais aussi les \u00e9v\u00e9nements, publications et projets li\u00e9s \u00e0 l\u2019univers du patrimoine et de la culture. Sans se prendre trop au s\u00e9rieux, La R\u00e9dac veille \u00e0 proposer un contenu fiable, vivant et accessible \u00e0 tous les curieux, collectionneurs ou simples amateurs.\",\"url\":\"https:\/\/www.sfpf.fr\/actu\/author\/laredac\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"La Cour de Cassation tranche : une clause d\u2019exclusion trop vague devient inapplicable | SFPF","description":"Les litiges en assurance ne cessent d\u2019augmenter, souvent aliment\u00e9s par des clauses contractuelles difficiles \u00e0 interpr\u00e9ter. Les assureurs cherchent \u00e0 se","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable","og_locale":"fr_FR","og_type":"article","og_title":"La Cour de Cassation tranche : une clause d\u2019exclusion trop vague devient inapplicable | SFPF","og_description":"Les litiges en assurance ne cessent d\u2019augmenter, souvent aliment\u00e9s par des clauses contractuelles difficiles \u00e0 interpr\u00e9ter. Les assureurs cherchent \u00e0 se","og_url":"https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable","og_site_name":"SFPF","article_published_time":"2025-10-01T17:59:00+00:00","og_image":[{"width":1200,"height":673,"url":"https:\/\/www.sfpf.fr\/actu\/wp-content\/uploads\/2025\/09\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable-scaled.jpg","type":"image\/jpeg"}],"author":"Laredac","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Laredac","Dur\u00e9e de lecture estim\u00e9e":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable#article","isPartOf":{"@id":"https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable"},"author":{"name":"Laredac","@id":"https:\/\/www.sfpf.fr\/actu\/#\/schema\/person\/bd87396233d24e5e46c39394bfc2a378"},"headline":"La Cour de Cassation tranche : une clause d\u2019exclusion trop vague devient inapplicable","datePublished":"2025-10-01T17:59:00+00:00","mainEntityOfPage":{"@id":"https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable"},"wordCount":692,"commentCount":20,"publisher":{"@id":"https:\/\/www.sfpf.fr\/actu\/#organization"},"image":{"@id":"https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable#primaryimage"},"thumbnailUrl":"https:\/\/www.sfpf.fr\/actu\/wp-content\/uploads\/2025\/09\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable-scaled.jpg","keywords":["Assurance","Clause d\u2019exclusion","Contrat","Cour de cassation"],"articleSection":["Journal"],"inLanguage":"fr-FR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable","url":"https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable","name":"La Cour de Cassation tranche : une clause d\u2019exclusion trop vague devient inapplicable | SFPF","isPartOf":{"@id":"https:\/\/www.sfpf.fr\/actu\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable#primaryimage"},"image":{"@id":"https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable#primaryimage"},"thumbnailUrl":"https:\/\/www.sfpf.fr\/actu\/wp-content\/uploads\/2025\/09\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable-scaled.jpg","datePublished":"2025-10-01T17:59:00+00:00","description":"Les litiges en assurance ne cessent d\u2019augmenter, souvent aliment\u00e9s par des clauses contractuelles difficiles \u00e0 interpr\u00e9ter. Les assureurs cherchent \u00e0 se","breadcrumb":{"@id":"https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable#primaryimage","url":"https:\/\/www.sfpf.fr\/actu\/wp-content\/uploads\/2025\/09\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable-scaled.jpg","contentUrl":"https:\/\/www.sfpf.fr\/actu\/wp-content\/uploads\/2025\/09\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable-scaled.jpg","width":1200,"height":673,"caption":"La Cour de Cassation tranche : une clause d\u2019exclusion trop vague devient inapplicable"},{"@type":"BreadcrumbList","@id":"https:\/\/www.sfpf.fr\/actu\/la-cour-de-cassation-tranche-une-clause-dexclusion-trop-vague-devient-inapplicable#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.sfpf.fr\/actu"},{"@type":"ListItem","position":2,"name":"Journal","item":"https:\/\/www.sfpf.fr\/actu\/categorie\/journal"},{"@type":"ListItem","position":3,"name":"La Cour de Cassation tranche : une clause d\u2019exclusion trop vague devient inapplicable"}]},{"@type":"WebSite","@id":"https:\/\/www.sfpf.fr\/actu\/#website","url":"https:\/\/www.sfpf.fr\/actu\/","name":"SFPF","description":"","publisher":{"@id":"https:\/\/www.sfpf.fr\/actu\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.sfpf.fr\/actu\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/www.sfpf.fr\/actu\/#organization","name":"SFPF","url":"https:\/\/www.sfpf.fr\/actu\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.sfpf.fr\/actu\/#\/schema\/logo\/image\/","url":"https:\/\/www.sfpf.fr\/actu\/wp-content\/uploads\/2025\/09\/media.png","contentUrl":"https:\/\/www.sfpf.fr\/actu\/wp-content\/uploads\/2025\/09\/media.png","width":178,"height":100,"caption":"SFPF"},"image":{"@id":"https:\/\/www.sfpf.fr\/actu\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.sfpf.fr\/actu\/#\/schema\/person\/bd87396233d24e5e46c39394bfc2a378","name":"Laredac","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.sfpf.fr\/actu\/#\/schema\/person\/image\/","url":"https:\/\/www.sfpf.fr\/actu\/wp-content\/uploads\/2025\/09\/Design-sans-titre-10.jpg","contentUrl":"https:\/\/www.sfpf.fr\/actu\/wp-content\/uploads\/2025\/09\/Design-sans-titre-10.jpg","caption":"Laredac"},"description":"La R\u00e9daction, c\u2019est une petite \u00e9quipe de b\u00e9n\u00e9voles curieux et passionn\u00e9s. Si chacun cultive ses propres centres d\u2019int\u00e9r\u00eat \u2014 timbres fiscaux, monnaies, documents anciens ou objets de collection en tout genre \u2014 tous partagent le go\u00fbt de la d\u00e9couverte, de l\u2019authentique et du savoir bien transmis. Attach\u00e9e \u00e0 la qualit\u00e9 de l\u2019information, la r\u00e9daction s\u2019attache \u00e0 couvrir l\u2019actualit\u00e9 des collections, les nouveaut\u00e9s du march\u00e9, les tendances, mais aussi les \u00e9v\u00e9nements, publications et projets li\u00e9s \u00e0 l\u2019univers du patrimoine et de la culture. Sans se prendre trop au s\u00e9rieux, La R\u00e9dac veille \u00e0 proposer un contenu fiable, vivant et accessible \u00e0 tous les curieux, collectionneurs ou simples amateurs.","url":"https:\/\/www.sfpf.fr\/actu\/author\/laredac"}]}},"_links":{"self":[{"href":"https:\/\/www.sfpf.fr\/actu\/wp-json\/wp\/v2\/posts\/10994","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sfpf.fr\/actu\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sfpf.fr\/actu\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sfpf.fr\/actu\/wp-json\/wp\/v2\/users\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sfpf.fr\/actu\/wp-json\/wp\/v2\/comments?post=10994"}],"version-history":[{"count":1,"href":"https:\/\/www.sfpf.fr\/actu\/wp-json\/wp\/v2\/posts\/10994\/revisions"}],"predecessor-version":[{"id":11078,"href":"https:\/\/www.sfpf.fr\/actu\/wp-json\/wp\/v2\/posts\/10994\/revisions\/11078"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sfpf.fr\/actu\/wp-json\/wp\/v2\/media\/11006"}],"wp:attachment":[{"href":"https:\/\/www.sfpf.fr\/actu\/wp-json\/wp\/v2\/media?parent=10994"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sfpf.fr\/actu\/wp-json\/wp\/v2\/categories?post=10994"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sfpf.fr\/actu\/wp-json\/wp\/v2\/tags?post=10994"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}