영국 보험법의 개혁동향에 관한 연구- 해상보험을 포함한 기업보험에 적용되는 담보법원칙을 중심으로 -
Trends for Reforming Insurance Law in England – Focused on the Rule of Warranty in relation to Business Insurance including Marine Insurance
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초록
영국 법률위원회는 영국 보험법의 개정을 위하여 2007년에 1차 검토보고서를 발표하였고, 이에 대한 각계의 반응을 고려하여 2012년에 2차 검토보고서를 발표하였다. 영국 법률위원회는 이 보고서에서 각계의 비판을 고려하여 과감한 개혁안을 제시하였다. 이 연구는 기업보험에 적용되는 담보법원칙과 관련하여 영국 법률위원회가 제시하고 있는 개혁안의 내용, 실무적·법률적 의미 및 문제점을 분석함으로써, 향후 영국 보험법의 개혁동향을 검토하는데 그 목적을 두고 있다.
Abstract
English insurance law has developed a unique rule of warranty and afforded such a strict legal character to insurance warranty. Recently, English Law Commission proposed some proposals, adopted to business insurance, for reforming the warranty regime in CP 204. The proposals of Law Commission are summarized as following. First, LC proposes that the basis of the contract should be of no effect. Secondly, LC proposes to change the law to the effect that if a warranty is not complied with, the insurer’s liability is suspended for the duration of the breach. Thirdly, where a term is included to reduce the risk of a particular type of loss, then in the event of a breach of the term, the insurer’s liability should be suspended only in respect of that type of loss. Fourthly, the parties would be entitled to specify that a breach of warranty has different consequences. Where the insurer wish to retain the right to reject claims for breach which has already been remedied, this would need to be spelled out in clear terms, and specifically brought to the attention of the other party before the contract was formed. Finally, LC proposes that the rules outlined above should apply to express warranties in marine insurance, the implied marine warranties in MIA 1906 should be retained.
참고문헌 (14)
- 구종순, "해상보험" (2005), 박영사
- 구종순, "해상보험의 담보(Warranty)에 관한 연구", 해운물류연구, (42) (2004), 한국해운물류학회
- 신건훈, "영국 보험계약법 상 담보법원칙의 개혁동향에 관한 연구", 무역상무연구, 55, pp.209~240 (2012), 한국무역상무학회
- 신건훈, "영국 해상보험법 상 담보법원칙의 문제점 및 개혁 필요성", 무역상무연구, 43, pp.239~273 (2009), 한국무역상무학회
- Bennett, Howard, "The Law of Marine Insurance" (2006), Oxford
- Clarke, Malcolm, "Insurance Warranties : the absolute end", LMCL (2007)
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- Soyer, Baris, "Warranties in Marine Insurance" (2006), Cavendish Publishing Ltd