Informed insurance choice?: the insurer's pre-contractual information duties in general consumer insurance
Gespeichert in:
| 1. Verfasser: | |
|---|---|
| Format: | Buch |
| Sprache: | English |
| Veröffentlicht: |
Cheltenham, UK ; Northampton, MA, USA
Edward Elgar Publishing
[2015]
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| Schlagworte: | |
| Online-Zugang: | Inhaltsverzeichnis Klappentext |
| Beschreibung: | xix, 335 Seiten |
| ISBN: | 9781784717513 |
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| 245 | 1 | 0 | |a Informed insurance choice? |b the insurer's pre-contractual information duties in general consumer insurance |c Leander D. Loacker, Senior Lecturer, Faculty of Law, University of Zurich, Switzerland |
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Datensatz im Suchindex
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| adam_text |
Titel: Informed insurance choice?
Autor: Loacker, Leander D
Jahr: 2015
Contents
Foreword ix
Malcolm A. Clarke
Preface xi
List of abbreviations xiv
PARTI OVERVIEW AND INTRODUCTION
A. Knowledge is power 1
B. Structural outline 5
C. Scope 8
1. Restriction to pre-contractual information duties of
the insurer 8
2. Restriction to general consumer insurance 9
D. Terminology 12
PART II ABOUT INFORMATION AND ITS DISCLOSURE
IN GENERAL
A. Insurance and information from an economic perspective 15
1. Preliminary remarks 15
2. Why people conclude insurance contracts: the demand for
insurance 18
3. Information forcing by legal regulations 22
4. Tabular systematisation of the insurer's pre-contractual
information duties 39
B. General considerations and reservations about the information
model 44
1. Argument of costs 44
2. Unnecessary paternalism? 48
3. Efficiency and the avoidance of misallocations 52
(a) Restricting choice 57
(b) Cooling-off periods: the idea 58
(c) Cooling-off periods: suitable for insurance contracts? 66
4. Access to information as a prerequisite for the proper
functioning of the market 78
(a) The need for and the costs of information 78
(b) Adverse selection as a negative consequence of
insufficient information 86
5. Is providing information futile? 97
(a) The assumption of full rationality 97
(b) Overinvestment in standardised information? 110
(c) Information overload and ways of combating it 114
6. What makes standardised information 'good' information?
Or: presentation matters 123
(a) Orientation towards the disposition to avert loss 126
(b) Vivid and individualised instead of static and
obviously standardised information 131
(c) Working against consumers' over-optimism 140
(d) Conclusion 145
PART III LEGAL BASIS FOR AND SCOPE OF INSURER'S
PRE-CONTRACTUAL INFORMATION DUTIES
A. The traditional approach: good faith 149
1. Insurance contracts as contracts uberrimae fidei:
the English law approach 149
(a) The beginnings: Lex Mercatoria and Carter v Boehm 149
(b) The continuation: section 17 of the MIA 161
(c) The missed chance: Banque Financiere 163
(d) Conclusion 179
2. The overriding principle of 'Treu und Glauben :
the German law approach 180
B. More recent approaches: (predominantly) standardised
information duties 186
1. Pre-contractual information duties resulting from the
ICOBS 186
(a) Preliminary remarks 186
(b) Special information duties only relating to distance
contracts 190
(c) Product disclosure 192
(d) Other standardised information duties and conceptual
criticism of the ICOBS 198
2. Pre-contractual information duties resulting from s 7 of the
German ICA in conjunction with the 'Regulation on
information duties concerning insurance contracts
(VVG-InfoVj' 200
(a) Preliminary remarks 200
(b) Standardised information duties resulting from the
'Regulation on information duties concerning
insurance contracts (VVG-InfoV)' 204
(c) In particular: product information sheet 206
3. Pre-contractual information duties resulting from the
Principles of European Insurance Contract Law (PEICL) 209
(a) Preliminary remarks: what are the PEICL and what
are they meant for? 209
(b) Access to the PEICL 218
(c) Pre-contractual information duties resulting from
article 2:201 of the PEICL: general conception 220
(d) Pre-contractual information duties resulting from
article 2:201 of the PEICL: content 227
(e) Pre-contractual information duties resulting from
article 2:201 of the PEICL: further aspects 231
C. Modern approaches: individualised duties of the insurer 238
1. 'Identifying client needs and advising' - the approach of
ICOBS 5 238
2. Advisory duties resulting from s 6 of the ICA 243
(a) Preliminary remarks 243
(b) Discemable cause as prerequisite for any
individualised duty 245
(c) The duty to advise and its restrictions 247
(d) Possibility of waiver 254
(e) Rejection of truly progressive approaches 256
3. Duties to warn resulting from the PEICL 258
(a) Article 2:202 of the PEICL 258
(b) Article 2:203 of the PEICL 263
(c) Article 2:502 of the PEICL 264
PART IV A CONCLUSION IN EIGHT FINAL OBSERVATIONS
1. The development of insurer's information duties at a
glance 269
2. Over-ambitious goals 271
3. Disillusionment 273
4. The model recipient, or: lawmakers need assumptions 274
5. Content first 276
6. Presentation. Presentation. And more presentation 281
7. What the purchase of medication and insurance cover have
in common, or: brave new world? 286
8. Individualised information duties: inadequate triggers and
a possible future 290
References 295
Index 325
Enabling informed choices with regards to mass risk insurance is an aim pursued for decades now at both the national and European level. This book explores the extent to which the imposing of disclosure duties on the insurer may actually contribute to this end and where it inevitably reaches limits.
Convinced that information problems cannot be solved by exclusively focusing on their legal dimension, the author provides the reader with a helpful overview of economic and behaviour-orientated insights to the book's subject. Proceeding from these, the existing legal frameworks in the UK and Germany are critically analysed and compared to more recent academic proposals for a future European insurance contract law. All of this is continuously supplemented by specific proposals for improvement.
This inspiring book will be of use to scholars dealing with financial law and general questions of information policy. Insurance companies and lawyers dealing with cases first-hand will also find this to be a resourceful read. |
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| spelling | Loacker, Leander D. 1979- Verfasser (DE-588)1036567680 aut Informed insurance choice? the insurer's pre-contractual information duties in general consumer insurance Leander D. Loacker, Senior Lecturer, Faculty of Law, University of Zurich, Switzerland Cheltenham, UK ; Northampton, MA, USA Edward Elgar Publishing [2015] © 2015 xix, 335 Seiten txt rdacontent n rdamedia nc rdacarrier Europäische Union (DE-588)5098525-5 gnd rswk-swf Verbraucherschutz (DE-588)4117338-7 gnd rswk-swf Informationspflicht (DE-588)4114016-3 gnd rswk-swf Versicherungsrecht (DE-588)4117359-4 gnd rswk-swf Deutschland (DE-588)4011882-4 gnd rswk-swf Großbritannien (DE-588)4022153-2 gnd rswk-swf Europäische Union (DE-588)5098525-5 b Großbritannien (DE-588)4022153-2 g Deutschland (DE-588)4011882-4 g Verbraucherschutz (DE-588)4117338-7 s Informationspflicht (DE-588)4114016-3 s Versicherungsrecht (DE-588)4117359-4 s DE-604 Erscheint auch als Online-Ausgabe 978-1-78471-752-0 HBZ Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=027995276&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis Digitalisierung UB Augsburg - ADAM Catalogue Enrichment application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=027995276&sequence=000004&line_number=0002&func_code=DB_RECORDS&service_type=MEDIA Klappentext |
| spellingShingle | Loacker, Leander D. 1979- Informed insurance choice? the insurer's pre-contractual information duties in general consumer insurance Europäische Union (DE-588)5098525-5 gnd Verbraucherschutz (DE-588)4117338-7 gnd Informationspflicht (DE-588)4114016-3 gnd Versicherungsrecht (DE-588)4117359-4 gnd |
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| title | Informed insurance choice? the insurer's pre-contractual information duties in general consumer insurance |
| title_auth | Informed insurance choice? the insurer's pre-contractual information duties in general consumer insurance |
| title_exact_search | Informed insurance choice? the insurer's pre-contractual information duties in general consumer insurance |
| title_full | Informed insurance choice? the insurer's pre-contractual information duties in general consumer insurance Leander D. Loacker, Senior Lecturer, Faculty of Law, University of Zurich, Switzerland |
| title_fullStr | Informed insurance choice? the insurer's pre-contractual information duties in general consumer insurance Leander D. Loacker, Senior Lecturer, Faculty of Law, University of Zurich, Switzerland |
| title_full_unstemmed | Informed insurance choice? the insurer's pre-contractual information duties in general consumer insurance Leander D. Loacker, Senior Lecturer, Faculty of Law, University of Zurich, Switzerland |
| title_short | Informed insurance choice? |
| title_sort | informed insurance choice the insurer s pre contractual information duties in general consumer insurance |
| title_sub | the insurer's pre-contractual information duties in general consumer insurance |
| topic | Europäische Union (DE-588)5098525-5 gnd Verbraucherschutz (DE-588)4117338-7 gnd Informationspflicht (DE-588)4114016-3 gnd Versicherungsrecht (DE-588)4117359-4 gnd |
| topic_facet | Europäische Union Verbraucherschutz Informationspflicht Versicherungsrecht Deutschland Großbritannien |
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