![](data:image/png;base64,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)
Los seguros de grupo como modalidad de bancaseguros. Derechos y protección del asegurado
335
Revista Oficial del Poder Judicial, 16(21), 2024, 293-344
frecuentes los procesos por responsabilidad civil extracontractual con-
tra entidades financieras, sí lo son en países como Colombia, donde se
inician para que estas resarzan los daños de la falta de cobertura de un
siniestro respecto del cual recibieron o recaudaron el importe de la prima
por parte de un cliente sin informarle que la cobertura de su riesgo
había sido rechazada por la aseguradora (Tabares, 2018, pp. 78 y 87).
También la normativa de la SBS establece responsabilidad de la
aseguradora por la información dada por el comercializador y por sus
actos. Así, el RCS determina responsabilidad de tipo administrativo y
contractual de la aseguradora por los actos de comercialización que se
realicen en su representación con infracción de las normas establecidas
y por los perjuicios causados a contratantes, asegurados y/o beneficia-
rios, a consecuencia de errores u omisiones, impericia o negligencia de su
comercializador. En particular, las compañías de seguros son responsa-
bles de la explicación adecuada a los potenciales contratantes y/o asegu-
rados de los alcances y las características de la cobertura del producto,
de que se verifique que el cliente complete la solicitud o solicitud-certifi-
cado, y se brinde la información para la emisión de la póliza (artículo 4
RCS). Entonces, por ejemplo, la colocación de un seguro a un cliente que
supera la edad máxima asegurable del producto, sin que la aseguradora
haya rechazado la solicitud, deriva en una obligación para esta de otorgar
la cobertura a causa de que también es responsable de este defecto de
suscripción de su comercializador. La legislación peruana supera, en este
punto, los deberes de explicación y asesoría al usuario sobre las condicio-
nes de funcionamiento del seguro asociado al crédito, que en el derecho
comparado se han impuesto a los bancos
(Tabares, 2018, pp. 88-90), ya
que la RCS les exige una adecuada explicación del producto en su rol de
comercializadores y representantes de la aseguradora, y responsabiliza,
por ende, a esta última de su cumplimiento.
En la comercialización por sistemas a distancia existe responsa-
bilidad administrativa de entidades aseguradoras y financieras por el
incumplimiento de las normas de la SBS que exigen la debida identifi-
cación del potencial contratante y/o asegurado, que la información pro-
porcionada a estos sea veraz, comprensible, íntegra, transparente, con
el contenido mínimo exigido por el artículo 23 RCS, y que la oferta, la