{"id":14004,"date":"2026-02-27T09:01:00","date_gmt":"2026-02-27T08:01:00","guid":{"rendered":"https:\/\/lamarina.bj\/?p=14004"},"modified":"2026-02-27T08:07:17","modified_gmt":"2026-02-27T07:07:17","slug":"protection-des-assures-un-enseignant-duniversite-met-en-echec-le-mutisme-dafricaine-vie-benin-sa","status":"publish","type":"post","link":"https:\/\/lamarina.bj\/index.php\/2026\/02\/27\/protection-des-assures-un-enseignant-duniversite-met-en-echec-le-mutisme-dafricaine-vie-benin-sa\/","title":{"rendered":"Protection des assur\u00e9s : Un enseignant d\u2019universit\u00e9 met en \u00e9chec le mutisme d\u2019Africaine Vie B\u00e9nin SA"},"content":{"rendered":"\n

Assurance vie, La Marina BJ <\/strong><\/mark>– La juridiction commerciale de Cotonou a r\u00e9cemment mis fin \u00e0 une impasse contractuelle qui durait depuis plusieurs mois entre un enseignant et son assureur. En ordonnant la constitution d\u2019office d\u2019un tribunal arbitral le 24 f\u00e9vrier 2026, la juridiction a sanctionn\u00e9 l’inertie de la compagnie d’assurance face aux r\u00e9clamations de son client.<\/em><\/strong><\/p>\n\n\n\n

L\u2019affaire, qui pourrait faire jurisprudence en mati\u00e8re de protection des assur\u00e9s au B\u00e9nin, remonte au 7 juin 2017. Monsieur Guy Sourou Nouatin, professeur titulaire \u00e0 l\u2019Universit\u00e9 de Parakou, souscrit alors un contrat \u00ab S\u00e9r\u00e9nit\u00e9 Retraite \u00bb aupr\u00e8s d\u2019Africaine Vie B\u00e9nin SA. Si la relation contractuelle est reconduite en 2022, elle s’\u00e9tiole rapidement suite \u00e0 des griefs portant sur des irr\u00e9gularit\u00e9s de pr\u00e9l\u00e8vements bancaires et une absence de communication des avis de situation annuelle, en violation flagrante de l\u2019article 75 du Code CIMA.<\/p>\n\n\n\n

Le blocage de la clause compromissoire<\/mark><\/h2>\n\n\n\n

Le diff\u00e9rend s\u2019est cristallis\u00e9 lors de la r\u00e9siliation du contrat. L\u2019assur\u00e9, contestant des p\u00e9nalit\u00e9s de rachat jug\u00e9es excessives et un manque de clart\u00e9 sur le calcul des int\u00e9r\u00eats, d\u00e9cide d\u2019activer l\u2019article 22 de son contrat. Cette clause compromissoire pr\u00e9voit qu\u2019en cas de litige, chaque partie doit d\u00e9signer un arbitre pour constituer un tribunal arbitral.<\/p>\n\n\n\n

C\u2019est ici que le dossier prend une tournure judiciaire. Le 22 septembre 2025, le conseil de l\u2019enseignant notifie la d\u00e9signation de son arbitre et met en demeure la compagnie d\u2019assurance de faire de m\u00eame sous huitaine. Malgr\u00e9 l\u2019obligation l\u00e9gale de 30 jours prescrite par l\u2019Acte uniforme relatif au droit de l\u2019arbitrage (AUA) de l\u2019OHADA, l\u2019assureur reste silencieux.<\/p>\n\n\n\n

L\u2019arbitrage forc\u00e9<\/mark><\/h2>\n\n\n\n

Saisi comme juge d’appui, le tribunal de commerce de Cotonou a constat\u00e9 que le demandeur, bien que non-commer\u00e7ant, \u00e9tait fond\u00e9 \u00e0 saisir la juridiction commerciale dans le cadre d’un acte mixte. Lors de l’audience, la soci\u00e9t\u00e9 Africaine Vie B\u00e9nin SA a finalement choisi de ne pas s’opposer \u00e0 la demande et a acquiesc\u00e9 \u00e0 la d\u00e9signation judiciaire d’un arbitre. La juge Edith K. Orounla Biaou a alors officiellement act\u00e9 la carence de la compagnie d’assurance malgr\u00e9 la mise en demeure pr\u00e9alable qui lui avait \u00e9t\u00e9 adress\u00e9e. En cons\u00e9quence, le tribunal a d\u00e9sign\u00e9 le Docteur Valentin Vidjannagni Vid\u00e9hom\u00e8 KPAKO, magistrat et arbitre certifi\u00e9, pour si\u00e9ger au sein de la commission arbitrale au nom de la soci\u00e9t\u00e9 d\u00e9fenderesse.<\/p>\n\n\n\n

Cette d\u00e9cision constitue un rappel \u00e0 l’ordre d\u00e9terminant pour les institutions financi\u00e8res quant au respect de leurs engagements proc\u00e9duraux. Le tribunal a d’ailleurs soulign\u00e9 que c’est la carence fautive de l’assureur qui a occasionn\u00e9 des frais de proc\u00e9dure inutiles pour l’assur\u00e9, justifiant ainsi sa condamnation aux d\u00e9pens et aux honoraires d’avocat. Au-del\u00e0 du cas d’esp\u00e8ce, cette ordonnance d\u00e9montre, selon notre sp\u00e9cialiste \u00e0 la r\u00e9daction, \u00ab la capacit\u00e9 du juge commercial \u00e0 garantir l’efficacit\u00e9 des clauses d’arbitrage face \u00e0 des strat\u00e9gies d’\u00e9vitement.\u00bb Elle confirme \u00ab que le droit de l’arbitrage OHADA offre des outils de coercition efficaces pour prot\u00e9ger les contractants contre l’inertie prolong\u00e9e de leurs partenaires d’affaires.\u00bb<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"Assurance vie, La Marina BJ – La juridiction commerciale de Cotonou a r\u00e9cemment mis fin \u00e0 une impasse…\n","protected":false},"author":4,"featured_media":14007,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_theme","format":"standard","meta":{"csco_singular_sidebar":"","csco_page_header_type":"standard","csco_appearance_masonry":"","csco_page_load_nextpost":"","csco_post_video_location":[],"csco_post_video_location_hash":"","csco_post_video_url":"","csco_post_video_bg_start_time":0,"csco_post_video_bg_end_time":0,"footnotes":""},"categories":[1962],"tags":[2012,41,548],"class_list":{"0":"post-14004","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-affaires-judiciaires","8":"tag-assurance-vie","9":"tag-benin","10":"tag-tribunal-de-commerce-de-cotonou","11":"cs-entry","12":"cs-video-wrap"},"yoast_head":"\nProtection des assur\u00e9s : Un enseignant d\u2019universit\u00e9 met en \u00e9chec le mutisme d\u2019Africaine Vie B\u00e9nin SA - 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