영국보험시장에서 슬립의역할과 법적 지위
The Role and Legal Status of the Slip in London Insurance Market
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초록
영국의 런던보험시장의 경우 해상ㆍ항공ㆍ재보험 등의 기업보험이나 기타 대형위험을 취급하는 손해보험종목에서는 일반적으로 보험중개인을 통하여 거래가 이루어진다. 이 때 보험중개인은 보험청약서와는 다른 슬립(slip)이라는 독특한 서면을 사용한다. 슬립은 보험계약의 기본조건을 기재한 서면으로서 보험청약자가 부보 의뢰한 바에 따라 보험중개인이 이를 작성한다. 보험중개인이 보험자에게 슬립을 제시하는 것은 보험계약의 청약이며, 보험자가 슬립에 자기의 인수비율(line)을 기재하고 서명하는 것은 계약청약의 승낙이다. 즉 보험자가 슬립에 서명한 때에 완전하고 유효한 보험계약이 성립한다. 보험증권이 발행되지 않더라도 슬립 자체에 기하여 소를 제기할 수 있다. 슬립은 계약의 증거로 인정되며, 보험자의 계약이행을 강제할 수 있다. 다만 해상보험의 경우에는 보험증권이 발행되어야 슬립이 증거로 인정된다.
Abstract
The purpose of this paper is to explore the role and legalsignificance of the slip in London Insurance Market. In some classes of insurance, the insurance broker writes down the details of the cover which the applicant wishes to obtain on a document known as a slip, using accepted abbreviations in order to condense the terms of the insurance onto the sheets of paper. Normally, the presentation of the slip is the proposal or offer of the contract and the initialment is the acceptance, with each underwriter being bound separately as from the time of his initialment. Where a slip is oversubscribed, it is a binding custom of the London marine and non-marine markets that all lines are to be proportionately signed down to 100% upon the ultimate closing of the risk. This is a qualification of the general rule that an underwriter is bound to the line for which he has subscribed the slip presented to him for initialling. With regard to the legal position of a partially subscribed slip, each underwriter is bound on the terms for which he has subscribed the slip whether or not it is fully subscribed, subject only to the custom of signing-down. In legal proceedings, the slip may be submitted as evidence to show the intention of the parties, or for the purpose of rectification of a mistake. The parol evidence rule will not exclude the slip where it has probative value. In particular, it may provide the basis of a rectification action. But a contract of marine insurance is not admissible in evidence and enforceable unless embodied in a policy.
참고문헌 (16)
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