论英国保险法中的最大诚信原则在保险理赔阶段的适用.doc

论英国保险法中的最大诚信原则在保险理赔阶段的适用
摘要英国法将保险合同定性为最大诚信合同。1906年海上保险法第17条对最大诚信原则作出规定。17条是一条严厉而且僵硬的,其适用将直接导致. com合同无效。为了dd dtt. com避免该条原则直接适用于合同的保险理赔阶段所带来的不公正性和不合理性,英国法律界做出了巨大的努力:一方面的定义,限制将不实的理赔请求认定为欺诈性;另一方面法条和对案例的分析比较,将欺诈性理赔请求的规定从最大诚信原则的适用中独立出来。然而,法律界的努力可以善和存在混乱的。究其根本原因,在于大诚信原则的僵硬性及适用范围的不明确性。
关键词最大诚信原则英国1906年海上保险法第17条欺诈性理赔请求合同无效合同解除

Abstract In English law,insurance contract is a contract of utmost good faith. And the utmost good faith principle was stipulated by section 17 of 1906 Marine Insurance Act,which is a rigid and severe section and apply of which will void the pletely. The English legal force has exerted great effort in order to avoid the injustices and irrationality rendered by introduction of section 17 in fraudulent claim context: on one hand,they tried to define a fraudulent claim carefully and restrictively;on the other hand,they try to avoid the application of section 17 in the fraudulent claim context. However,the law in this context is still confusing and very reason is the stringent nature and vague language of section 17.
Key word Principle of utmost good faith,section 17 of 1906 Marine Insurance Act,fraudulent claim,avoidance of the contract,discharge of the contract

一、英国法对于在保险金给付请求阶段适用最大诚信原则时所遇到的困境

英国法将保险合同定义为被保险人同意给付保险人一定,而保险人则在发生保险事故时对被保险人由此遭受的损失给予补偿的合同①。英国法律中没有诚实信用原则的普遍性规定,相应的,把要求
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当事人诚实信用的特殊合同归类为最大诚信合同(contract of utmost good