유럽보험계약법에 관한 CFR 보고서와 선택적 제도
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Abstract
According to the Commission’s Action Plan of 12 December 2003 the Common Frame of Reference shall comprise Definition and Rules and they shall be accompanied by Comment and Notes. “The Project Group on A Restatement of European Insurance Law”, or “Insurance Group” participated in the Action Plan, specially in European Insurance Contract Law. Insurance Contract Law plays an important role in the 2003 Action Plan of the European Commission. The Plan refers to the necessity of harmonizing the law on insurance contracts. The Common Frame of Reference should state definitions, structure and contents of a European contract law. This applies for contracts in general and also for the chapter on insurance contracts. The Project Group drafted its Principles according to these requirements, defining technical terms of insurance contract law in the first chapter and structuring the rest in several Parts. The internal market orientation of the Restatement Group restricts its work to mandatory rules of insurance contracts. An optional instrument would allow parties to conclude their contract on the basis of European contract law, specially European insurance contract law instead of national law. An optional instrument of European contract law is characterized by the fact that its application depends on a choice by the parties to contract. The need for an optional instrument is particularly pressing in the field of insurance. The facilitation of insurance transaction in the single European market will only take full effect if all the contacts of a particular insurer may be submitted to the optional instrument. It has been demonstrated that Principles of European Insurance Contract Law(PEICL) have not only been drafted as a Common Frame of Reference European Insurance Contract Law but also as an optional instrument. The PEICL also serve as a model optional instrument for the European legislator.
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