영국 보험법상 보험계약자의 고지의무에 관한 연구–2015년 보험법의 발효 이후 보험법의 변화를 중심으로 (A Study on the Assured’s Duty of Disclosure in English Insurance Law-Focusing on the Changes of Insurance Law after the Entry into Force of the Insurance Act 2015)

서지정보

· 발행기관 : 한국무역상무학회
· 수록지 정보 : 무역상무연구 / 88권 / 101 ~ 124페이지
· 저자명 : 신건훈, 박은옥

초록

영국 의회는 과거 보험자에게 지나치게 유리하게 적용된 법원칙을 개혁함으로써, 보다 공정한 법원칙을 모색한다는 목표 하에서 IA 2015를 제정하였으나, 고지의무와 관련하여 보험계약자의 합리적인 조사의무는 적용범위 측면에서 법적 불확실성을 내포하고 있을 뿐만 아니라, 과거에 비하여 보험계약자에게 더욱 큰 부담으로 작용할 것으로 판단된다. 반면 구제수단과 관련한 혁명적인 변화는 어느 정도 법적 불확실성을 내포하고 있으나, 과거에 비하여 보다 공정한 계약관계를 창출하는데 도움이 될 것으로 판단된다. IA 2015에 의하여 초래된 법률의 실질적인 변화는 단기적으로 법적 불확실성의 원인으로 작용할 가능성이 있지만, 장기적으로는 영국 보험법의 발전을 견인할 것으로 기대된다.

영어초록

This article intends to analyze the legal implications in respect with the duty of disclosure under the IA 2015 through the comparative research between the new and old laws. Even though LC seems to encompass a desire for fairness, for holding in balance the interests of both to the insurance contract, and for recognizing modern developments in the world of insurance business, LC started to reform the insurance law on the past. The substantial changes in the IA 2015 are as following. Firstly, A small, but important, change is that a fair presentation of the risk requires disclosure in a manner which would be reasonably clear and accessible to a prudent insurer. This change is intended as a legal device to prevent the past inefficient practice, ‘data-dumping’.
Secondly, in according to section 4(6) and (7) of the IA 2015, the assured ought to know what should reasonably have been revealed by a reasonable search of information, and this suggests that the assured must positively look for information for performing the duty of disclosure. Under the IA 2015, the constructive knowledge of the assured is broader and therefore increases the burden of disclosure upon the assured, whereas the constructive knowledge of the insurer, which fixes the scope of the exception to the assured’s duty of disclosure, is defined more narrowly under the IA 2015.
Finally, the new and revolutionary remedies are much more flexible, proportionate, refined and fairer than the old, whereas those may be the source of legal uncertainty in the short term.

참고자료

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