2015년 영국 보험법 상 워런티 관련 법률개혁의 문제점 및 효과에 관한 연구 (A Study on Some Problems and Effects of Law Reform relating to Warranty in the Insurance Act 2015)

서지정보

· 발행기관 : 한국무역상무학회
· 수록지 정보 : 무역상무연구 / 99권 / 231 ~ 255페이지
· 저자명 : 신건훈

초록

영국 법률위원회는 워런티 관련 법률개혁과 관련하여 과거 주요한 비판대상이었던 워런티의 법적 특성을 수정하는데 초점을 맞추었고, 그 결과 IA 2015에서 법률개혁의 초점은 워런티위반의 효과에 관한 법률의 변화에 집중되었다. 따라서 이 논문은 IA 2015에 제시되어 있는 워런티 위반의 효과에 관한 법률개혁안의 법적 의미를 규명하고, 법리적·실무적인 관점에서 관련 법률의 변화가 초래하게 될 문제점 및 잠재적인 효과를 평가하는데 그 목적을 두고 있다.

영어초록

This article intends to analyze some problems and effects of law reform relating to breach of warranty in the Insurance Act 2015. The result of analysis are as follows. First, it is noteworthy that the Insurance Act 2015 tries to suggest a more holistic approach to risk defining clauses by extending the scope of the reform beyond warranties. Secondly, it is foreseeable that the significance of insurance warranties in insurance practice will diminish in future, but considering English insurance practice for centuries, it will be premature to suggest that they will be completely removed from English insurance practice. Thirdly, the transparency requirement will increase administrative costs for insurers who decide to contract out and contracting out of the default regime might create a reputational hazard for insurers by sending a wrong type of message the market. Finally, it is quite probable that s.11 is likely to be a source of legal uncertainty and might be source to reintroduce the test of causation from the back door.
It is so difficult question to answer how effective the law reform will be in reducing the transaction and legal costs. Only time will show whether the changes introduced will amount to a net decrease in costs. One should keep in mind that one-off transitional costs of familiarisation will be associated with any law reform. here has been a worldwide increase in the number of letter of credit cases involving fraud recently. It may happen that the documents which are tendered to the banks under a documentary credit are forged, altered or fraudulent. Banks assume no liability or responsibility for the form, sufficiency, accuracy, genuineness or falsification of any documents.

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