영국 보험법 상 손해방지비용의 보상에 관한 연구 (A Study on the Reimbursement of Expenses to avert or mitigate Insured Loss in English Insurance Law)

서지정보

· 발행기관 : 한국무역상무학회
· 수록지 정보 : 무역상무연구 / 81권 / 119 ~ 138페이지
· 저자명 : 신건훈

초록

보험계약과 관련하여 손해방지비용의 보상에 관한 명시조항이 존재하는 경우에 명시조항의 강제력은 인정되고, 손해방지비용에 관한 보험자의 보상책임 유무 및 보상범위는 계약조항의 해석문제로 귀결된다. 다만 보험계약 상 명시조항이 없는 경우, 손해방지비용에 대한 보험자의 보상책임 유무 및 보상범위(보상한도)에 관한 영국 판례법의 입장은 상당히 혼란스럽고 불확실한 상황이다. 따라서 본 논문에서는 보험계약 상 명시조항이 부재한 경우, 손해방지비용에 대한 보험자의 보상책임에 관한 법적 근거, 보상원칙 및 보상범위와 관련하여 현재까지 영국 법원이 취하고 있는 입장을 분석하고자 한다.

영어초록

It is clearly in the interest of the insurer that an assured should take all reasonable measures to avert or mitigate any loss falling within the terms of the policy. Most modern marine policies contain express undertakings to reimburse expenses reasonably incurred in averting or mitigating a loss. Where there is no express contractual undertakings, the position of English case law whether the assured have the right to recover from the insurer the expenses or not, is very confused. This thesis examines some attempts of English courts to justify the recovery of mitigation expenses on the ground of the implied term and a restitutional concept of unjust enrichment.
Such attempts have been defeated on the ground of general principle of contract law that the mere fact than an obligation is imposed on one party to a contract for the benefit of the other, carries with it an implied term that the latter shall reimburse the former for his costs incurred in the performance of the obligation. As a conclusion, it is suggested that the assured should be permitted to recover such expenses as an matter of law. The legal entitlement to reimbursement of mitigation expenses is a natural consequence of a corresponding duty to mitigate, recognized by the law. Without such a right, the indemnity policy may become an instrument which discourages the assured from taking steps to avoid insured loss.

참고자료

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