Principles of European insurance contract law: (PEICL)
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| Format: | Buch |
| Sprache: | English |
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Köln
Otto Schmidt
[2016]
|
| Ausgabe: | 2nd expanded edition |
| Schlagworte: | |
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| Beschreibung: | liv, 921 Seiten |
| ISBN: | 9783504080020 3504080027 |
Internformat
MARC
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| 245 | 1 | 0 | |a Principles of European insurance contract law |b (PEICL) |c edited by Jürgen Basedow, John Birds, Malcolm Clarke, Herman Cousy, Helmut Heiss, Leander Loacker ; prepared by the Project Group Restatement of European Insurance Contract Law |
| 246 | 1 | 3 | |a PEICL |
| 250 | |a 2nd expanded edition | ||
| 264 | 1 | |a Köln |b Otto Schmidt |c [2016] | |
| 264 | 4 | |c © 2016 | |
| 300 | |a liv, 921 Seiten | ||
| 336 | |b txt |2 rdacontent | ||
| 337 | |b n |2 rdamedia | ||
| 338 | |b nc |2 rdacarrier | ||
| 610 | 2 | 7 | |a Europäische Union |t Grundregeln des Europäischen Versicherungsvertragsrechts |0 (DE-588)7686198-3 |2 gnd |9 rswk-swf |
| 653 | |a Fachhochschul-/Hochschulausbildung | ||
| 653 | |a Fachhochschul-/Hochschulausbildung | ||
| 653 | |a Versicherungen, Wissenschaft und Lehre, Rechtsanwälte, Gerichte, Versicherungsjuristen | ||
| 655 | 7 | |0 (DE-588)4135952-5 |a Quelle |2 gnd-content | |
| 689 | 0 | 0 | |a Europäische Union |t Grundregeln des Europäischen Versicherungsvertragsrechts |0 (DE-588)7686198-3 |D u |
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| 700 | 1 | |a Basedow, Jürgen |d 1949-2023 |0 (DE-588)115489681 |4 edt | |
| 700 | 1 | |a Birds, John |0 (DE-588)170766071 |4 edt | |
| 700 | 1 | |a Clarke, Malcolm A. |0 (DE-588)124832369 |4 edt | |
| 700 | 1 | |a Cousy, Herman |d 1946- |0 (DE-588)171660218 |4 edt | |
| 700 | 1 | |a Heiss, Helmut |d 1963- |0 (DE-588)171540816 |4 edt | |
| 700 | 1 | |a Loacker, Leander D. |d 1979- |0 (DE-588)1036567680 |4 edt | |
| 710 | 2 | |a Project Group Restatement of European Insurance Contract Law |0 (DE-588)16177253-5 |4 orm | |
| 710 | 2 | |a Verlag Dr. Otto Schmidt |0 (DE-588)5129484-9 |4 pbl | |
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Datensatz im Suchindex
| _version_ | 1806332998084198400 |
|---|---|
| adam_text |
TABLE OF CONTENTS
PREFACE TO THE SECOND EDITION
.
V
PREFACE TO THE FIRST EDITION
.
VI
OUR SPONSORS
.
XXXIX
MEMBERS OF THE PROJECT GROUP
.
XL
FORMER MEMBERS O F THE PROJECT GROUP
.
XLI
CORRESPONDING MEMBERS OF THE PROJECT GROUP
.
XLI
MEMBERS OF THE DRAFTING COMMITTEE
.
XLI
LIST OF RAPPORTEURS
.
XLII
LIST OF TRANSLATORS
.
XLV
PUBLICATIONS ON THE PEICL
.
XLVII
IN TRO D U C TIO N
.
1
PRINCIPLES O F EUROPEAN INSURANCE C O N TRA CT LAW (PEICL):
RULES
.
31
PART ONE:
PROVISIONS C O M M O N TO ALL C O N TRACTS IN C LU D E D IN TH E
P RINCIPLES O F E U RO P E AN IN SU RAN CE C O N TRA C T LAW (PEICL)
32
CHAPTER ONE:
INTRODUCTORY PROVISIONS
SECTION ONE:
APPLICATION OF THE PEICL
. 32
SECTION TWO:
GENERAL RULES
.
33
SECTION THREE:
ENFORCEMENT
.
.
.
35
CHAPTER TWO:
INITIAL STAGE AND DURATION O F THE INSURANCE CONTRACT
SECTION ONE:
APPLICANT'S PRE-CONTRACTUAL INFORM ATION DUTY
35
SECTION TWO:
INSURER'S PRE-CONTRACTUAL DUTIES
. 36
SECTION THREE:
CONCLUSION OF THE CONTRACT
. 37
SECTION FOUR:
RETROACTIVE AND PRELIMINARY COVER
.
38
SECTION FIVE:
INSURANCE POLICY
.
39
SECTION SIX:
DURATION OF THE INSURANCE CONTRACT
.
40
SECTION SEVEN:
POST-CONTRACTUAL INFORM ATION DUTIES OF THE INSURER
.
40
CHAPTER THREE:
INSURANCE INTERM EDIARIES
41
CHAPTER FOUR:
THE RISK INSURED
SECTION ONE:
PRECAUTIONARY MEASURES
41
SECTION TWO:
AGGRAVATION OF RISK
.
42
SECTION THREE:
REDUCTION OF RISK
. 43
CHAPTER FIVE: INSURANCE PREMIUM
.
43
CHAPTER SIX: INSURED EVENT
.
44
CHAPTER SEVEN: PRESCRIPTION
.
45
PART TWO: PROVISIONS C O M M O N TO IN D E M N ITY IN SURAN CE
CHAPTER EIGHT: SUM INSURED AND INSURED VALUE
.
46
CHAPTER NINE: ENTITLEM ENT TO INDEM NITY
.
46
CHAPTER TEN: RIGHTS O F SUBROGATION
.
47
CHAPTER ELEVEN: INSURED PERSONS OTHER THAN THE POLICYHOLDER
.
47
CHAPTER TWELVE: INSURED RISK
.
48
PART THREE: PROVISIONS C O M M O N TO IN SU RAN CE O F FIXED SUM S
CHAPTER THIRTEEN: ADMISSIBILITY
.
48
PART FOUR: L IA B ILITY IN SURAN CE
CHAPTER FOURTEEN: GENERAL LIABILITY INSURANCE
.
48
CHAPTER FIFTEEN: DIRECT CLAIMS AND DIRECT ACTIONS
.
SO
CHAPTER SIXTEEN: COMPULSORY INSURANCE
. SI
PART FIVE: LIFE IN SURAN CE
CHAPTER SEVENTEEN: SPECIAL PROVISIONS FOR LIFE INSURANCE
.
SI
SECTION ONE: THIRD PARTIES
.
SI
SECTION TWO: INITIAL STAGE AND DURATION OF THE CONTRACT
.
S2
SECTION THREE: CHANGES DURING THE CONTRACT PERIOD
.
54
SECTION FOUR: RELATION TO NATIONAL LAWS
. SS
SECTION FIVE: INSURED EVENT
.
SS
SECTION SIX: CONVERSION AND SURRENDER
. 56
PART SIX: G RO U P IN SURAN CE
CHAPTER EIGHTEEN: SPECIAL PROVISIONS FOR GROUP INSURANCE
.
57
SECTION ONE: GROUP INSURANCE IN GENERAL
. 57
SECTION TWO: ACCESSORY GROUP INSURANCE
.
57
SECTION THREE: ELECTIVE GROUP INSURANCE
. 58
PRINCIPLES OF EUROPEAN INSURANCE CONTRACT LAW (PEICL):
RULES,
C O M M E N TS A N D N O TES
PART ONE:
PROVISIONS C O M M O N TO ALL C O NTRACTS IN C LU D E D IN TH E
P RINCIPLES O F E U RO P EAN IN SURAN CE C O N TRA C T LAW (PEICL)
C HAPTER ONE: IN TRO D U C TO RY PROVISIONS
SECTION ONE: A P P LIC A TIO N O F TH E PEICL
ARTICLE 1:101 SUBSTANTIVE SCOPE OF APPLICATION
C OM M ENTS
.
60
SUBSTANTIVE SCOPE: SUBSTANTIVE PRIVATE INSURANCE CONTRACT LAW
.
60
MUTUAL INSURANCE
.
60
SOCIAL INSURANCE LAW
.
60
LAW OF INSURANCE SUPERVISION AND OTHER PUBLIC LAW ON INSURANCE
.
60
INTERNATIONAL INSURANCE CONTRACT LAW (CONFLICT OF LAWS)
.
61
LAW OF INSURANCE INTERMEDIARIES
. 61
MARINE INSURANCE
.
61
REINSURANCE
.
62
NOTES
APPLICATION TO PRIVATE INSURANCE CONTRACTS
. 62
MUTUAL INSURANCE
.
62
MARINE INSURANCE
.
62
REINSURANCE
.
63
OTHER SPECIFIC BRANCHES OF INSURANCE
.
63
ARTICLE 1:102 OPTIONAL APPLICATION
.
63
C OM M ENTS
.
64
BASIC PRINCIPLE
. 64
LEGAL NATURE OF OPTING-IN
.
64
PRIORITY OVER CONFLICT RULES
.
64
DOMESTIC INSURANCE CONTRACTS
.
65
NO PARTIAL CHOICE
.
65
EFFECT ON INTERMEDIARIES
.
65
NOTE
.
65
ARTICLE 1:103 MANDATORY CHARACTER
C OM M ENTS
.
66
FOCUS ON MANDATORY LAW
.
66
TECHNIQUE
.
67
NOTES
.
68
MANDATORY ACTS
.
68
SINGLE MANDATORY PROVISIONS
.
68
MINIMUM PROTECTION ACTS
.
69
SINGLE MINIMUM PROTECTION PROVISIONS
.
69
BENEFICIARIES OF MANDATORY AND MINIMUM PROTECTION RULES
. 70
ARTICLE 1:104 INTERPRETATION
COMMENTS
.
71
THE OBJECTIVE
.
71
INTERPRETATION AND DEVELOPMENT
.
71
TEXTUAL INTERPRETATION
.
72
CONTEXT
.
72
GOOD FAITH AND FAIR DEALING
.
72
CERTAINTY IN CONTRACTUAL RELATIONSHIPS
.
72
UNIFORM APPLICATION
.
73
PROTECTION OF POLICYHOLDERS
.
73
NOTE
.
73
ARTICLE 1:105 NATIONAL LAW AND GENERAL PRINCIPLES
.
.
73
COMMENTS
.
74
BASIC PRINCIPLE
.
74
MANDATORY NATIONAL PROVISIONS
.
74
SUPERVISORY LAW
.
74
INTERNATIONALLY MANDATORY PROVISIONS
.
75
EXCEPTIONAL RECOURSE TO MANDATORY NATIONAL PROVISIONS
. 75
FILLING GAPS
.
75
GENERAL PRINCIPLES OF CONTRACT LAW
.
75
NOTE
.
76
SECTION TWO: GENERAL RULES
ARTICLE 1:201 INSURANCE CONTRACT
.
76
COMMENTS
.
.
76
INSURANCE CONTRACT (PARA. 1)
.
76
INSURED EVENT (PARA. 2)
.
77
INDEMNITY INSURANCE (PARA. 3)
.
77
INSURANCE OF FIXED SUMS (PARA. 4)
.
78
LIABILITY INSURANCE (PARA. 5) 78
LIFE INSURANCE (PARA. 6) . 78
GROUP INSURANCES: ACCESSORY GROUP INSURANCE, ELECTIVE
GROUP INSURANCE (PARAS. 7-9)
.
79
NOTES
RIHE PROS AND CONS OF DEFINING THE INSURANCE CONTRACT
.
.
.
79
STANDARD ELEMENTS OF DEFINITIONS OF THE INSURANCE CONTRACT
. 80
THE INSURERS OBLIGATION
.
80
UNCERTAIN EVENT
.
80
DEFINITIONS OF OTHER TERMS
.
81
ARTICLE 1:202 FURTHER DEFINITIONS
C OM M ENTS
.
81
INTRODUCTION
.
81
INSURED (PARA. 1) . 82
BENEFICIARY (PARA. 2)
.
82
PERSON AT RISK (PARA. 3)
.
.
82
VICTIM (PARA. 4)
.
82
INSURANCE AGENT (PARA. 5)
.
83
PREMIUM (PARA. 6)
.
83
CONTRACT PERIOD (PARA. 7)
.
83
INSURANCE PERIOD (PARA. 8)
. 83
LIABILITY PERIOD (PARA. 9)
.
84
COMPULSORY INSURANCE (PARA. 10)
.
84
NOTE
.
84
ARTICLE 1:203 LANGUAGE AND INTERPRETATION OF DOCUMENTS
.
84
C OM M ENTS
. 85
RELATIONSHIP TO THE PRINCIPLES OF EUROPEAN CONTRACT LAW
.
85
TRANSPARENCY
.
85
LANGUAGE OF DOCUMENTS
.
85
SANCTIONS
.
86
NOTES
TRANSPARENCY
. 86
LANGUAGE
.
87
IN DUBIO CONTRA STIPULATOREM
. 87
ARTICLE 1:204 RECEIPT O F DOCUMENTS: PROOF
C OM M ENTS
. 88
NOTES
GENERAL LAW OF EVIDENCE
.
88
SPECIFIC RULES OF INSURANCE LAW
.
88
ARTICLE 1:205 FORM OF NOTICE
C OM M ENTS
.
89
CONSENSUAL AND FORMAL CONTRACTS . 89
PROOF
.
89
NOTICE
.
89
PERSONS FAVOURED
.
90
NO PARTICULAR FORM BEING REQUIRED
.
90
NOTICES BY THE INSURER
.
91
NOTES
COMMUNITY LAW
.
91
IHE KIND AND CONTEXT OF THE NOTICE
.
91
GENERAL PRINCIPLE: NO FORMAL REQUIREMENTS
. 92
AN EXAMPLE: NOTICE OF AN INSURED EVENT
.
92
ARTICLE 1:206 IMPUTED KNOWLEDGE
C OM M ENTS
.
93
THE ISSUES
.
93
IMPUTATION AND AGENCY
.
93
PERSONS WHOSE KNOWLEDGE MAY BE IMPUTED
.
93
NOTES
GENERAL LAW OF AGENCY
.
94
SPECIFIC PROVISIONS FOR INSURANCE CONTRACTS
. 94
KNOWLEDGE OF THE POLICYHOLDERS AGENT
.
95
WHEN POLICYHOLDER AND INSURED ARE NOT IDENTICAL
. 95
ARTICLE 1:207 NON-DISCRIMINATION
C OM M ENTS
.
96
INSURANCE AND DIFFERENTIATION
.
96
EQUAL TREATMENT OF MEN AND WOMEN
.
98
NON-DISCRIMINATION ON GROUNDS OF NATIONALITY, RACIAL OR ETHNIC ORIGIN
. 98
SANCTIONS
.
99
BURDEN OF PROOF
.
99
NOTE
.
99
ARTICLE 1.208 GENETIC TESTS
.
99
C OM M ENTS .
100
BACKGROUND
.
100
SCOPE OF APPLICATION
.
100
SUBJECT OF PROHIBITION (PARA. 1) 100
EXCEPTIONS (PARA. 2)
.
100
SECTION THREE: E NFORCEM ENT
ARTICLE 1:301 INJUNCTIONS
C OM M ENTS
.
101
ENFORCEMENT OF MANDATORY RULES BY INJUNCTION
. 101
MEASURES BY QUALIFIED FMTITIES
.
102
NOTE
BACKGROUND IN COMMUNITY LAW
.
102
ARTICLE 1:302 OUT-OF-COURT COMPLAINT AND REDRESS MECHANISMS
.
102
C OM M ENTS
.
103
OUT-OF-COURT COMPLAINT AND REDRESS MECHANISMS UNDER NATIONAL LAW
.
103
RELATIONSHIP TO THE PRINCIPLES OF EUROPEAN INSURANCE CONTRACT LAW
.
103
NOTE
. 104
CHAPTER TWO: INITIAL STAGE AND DURATION OF THE INSURANCE CONTRACT
SECTION ONE: APPLICANT'S PRE-CONTRACTUAL INFORM ATION DUTY
ARTICLE 2:101 DUTY OF DISCLOSURE
COMMENTS
.
104
INFORMATION IMBALANCE
.
104
THE TIMING OF THE DUTY
.
104
QUESTIONNAIRES
.
105
RELATIVE KNOWLEDGE . 105
INSIDE KNOWLEDGE: THE ALTER EGO
.
105
OUTSIDE KNOWLEDGE: THE KNOWLEDGE OF AGENTS
.
.
105
ENQUIRY OR INVESTIGATION
.
106
NOTES
SURVEY . 106
DUTY OF SPONTANEOUS DISCLOSURE
. 107
DUTY TO ANSWER THE INSURER*S QUESTIONS
.
107
APPROXIMATION
.
108
ARTICLE 2:102 BREACH
COMMENTS
.
109
REMEDIES AVAILABLE TO INSURERS
.
109
TERMINATION (ARTICLE 2:102 PARAS. 2 (SECOND SENTENCE), 3 AND 4)
. 109
VARIATION (ARTICLE 2:102 PARA. 2)
.
109
NOTICE (ARTICLE 2:102 PARA. 2)
.
109
DISCHARGE (ARTICLE 2:102 PARA. 5)
.
110
NOTES
THE ALL-OR-NOTHING PRINCIPLE
.
110
THE PROPORTIONAL REDUCTION OF THE INSURANCE MONEY
.
I L L
APPROXIMATION
.
112
INNOCENT BREACH
.
112
ARTICLE 2:103 EXCEPTIONS
.
112
COMMENTS
.
113
UNANSWERED QUESTIONS
.
113
IMMATERIAL INFORMATION
.
113
THE REASONABLE INSURER
.
113
WAIVER
.
.
114
INFORMATION KNOWN TO INSURERS
.
.
.
114
EFFECTS OF THE EXCEPTIONS
.
114
NOTES
OBVIOUS DEFECTS OF THE POLICYHOLDERS ANSWER, ARTICLE 2:103(A)
.
114
IMMATERIAL INFORMATION, ARTICLE 2:103(B)
. 115
THE INSURER*S KNOWLEDGE AND BEHAVIOUR, ARTICLE 2:103(C) AND (D)
.
.
115
ARTICLE 2:104 FRAUDULENT BREACH
.
115
C OM M ENTS
.
H6
THE RANGE OF REMEDIES . 116
THE IMPACT OF FRAUD
.
116
AVOIDANCE
.
116
RIHE POSITION OF POLICYHOLDERS . 116
NOTES
.
117
ARTICLE 2:105 ADDITIONAL INFORM ATION
.
117
C OM M ENT
.
NS
NOTE
.
118
ARTICLE 2:106 GENETIC INFORM ATION
C OM M ENTS
.
NS
SECTION TWO: INSURER'S P RE -CO NTRA CTUA L D UTIES
ARTICLE 2:201 PROVISION O F PRE-CONTRACTUAL DOCUMENTS
.
118
C OM M ENTS
.
119
PRE-CONTRACTUAL DOCUMENTS IN GENERAL
.
119
DUTY TO PROVIDE AN APPLICANT WITH A PRE-CONTRACTUAL DOCUMENT
.
.
.
119
PRE-CONTRACTUAL DOCUMENTS IN SPECIAL BRANCHES OF INSURANCE
.
120
RIGHT TO A COPY OF THE COMPLETED DOCUMENTS
.
120
FORM OF DOCUMENTS
.
120
NOTES
EUROPEAN DIRECTIVES AND THEIR IMPLEMENTATION
. 120
THE KIND OF INFORMATION TO BE GIVEN
.
121
STRICTER REQUIREMENTS UNDER NATIONAL LAWS
. 121
INFORMATION DUTY DRAFTED IN GENERAL TERMS
.
122
APPLICATION FORM PROVIDED BY THE INSURER, ARTICLE 2:201 PARA. 3
. 122
ARTICLE 2:202 DUTY TO WARN ABOUT INCONSISTENCIES IN THE COVER
C OM M ENTS
.
122
GENERAL REMARKS
.
122
DUTY TO ASSIST THE APPLICANT
.
123
CONSEQUENCES OF FAILURE TO ASSIST
.
124
DAMAGES
.
124
TERMINATION
.
124
NOTES
COMMUNITY LAW
.
125
NATIONAL LAW
.
125
SANCTIONS
.
126
ARTICLE 2:203 DUTY TO WARN ABOUT COMMENCEMENT OF COVER
.
126
COMMENTS
.
127
PROBLEMS OF COMMENCEMENT OF COVER IN PRACTICE
. 127
DUTY TO WARN
.
127
NOTES
COMMUNITY LAW .
127
THE SANCTION OF IMMEDIATE COVER
.
127
INCOMPLETE AND UNCLEAR SANCTIONS
.
128
SECTION THREE: CONCLUSION OF THE CONTRACT
ARTICLE 2:301 MANNER OF CONCLUSION
COMMENTS .
128
THE PRINCIPLES OF EUROPEAN CONTRACT LAW .
.
.
128
AGREEMENT .
.
. . 129
WAYS OF CONCLUDING AN INSURANCE CONTRACT
. 129
INSURANCE CONTRACT .
129
MANDATORY CHARACTER
.
130
PROOF
.
130
NOTES
A MATTER OF GENERAL CONTRACT LAW .
.
. 130
CONSENSUAL CONTRACT
.
131
ARTICLE 2:302 REVOCATION OF AN APPLICATION FOR INSURANCE
. 131
COMMENTS
.
132
AN APPLICATION FOR INSURANCE
.
132
REVOCATION BY THE APPLICANT
.
132
TIME FOR THE ARRIVALS OF REVOCATIONS AND ACCEPTANCES SENT ELECTRONICALLY
.
132
EFFECTIVENESS OF REVOCATION
.
133
NOTES
THE ROLES OF OFFEROR AND OFFEREE
.
133
THE BINDING NATURE OF AN OFFER
.
134
ARTICLE 2:303 COOLING-OFF PERIOD
COMMENTS
.
135
INTRODUCTION
.
135
STRUCTURE OF THE RULE
.
135
AVOIDANCE
.
135
COMMENCEMENT OF THE COOLING-OFF PERIOD
. 136
TIMELINESS OF NOTICE TO WITHDRAW
.
.
. 136
THE EXCEPTIONS TO THE GENERAL RULE
.
136
NOTES
COMMUNITY LAW
.
137
IMPLEMENTATION FOR LIFE ASSURANCE AND SIMILAR PRODUCTS
.
.
138
GENERAL RIGHT OF WITHDRAWAL
.
138
EXCEPTION FOR SHORT-TERM INSURANCE CONTRACTS
. 138
EXCEPTION FOR PROLONGATION OF PRE-EXISTING CONTRACTS
. 139
EXCEPTION FOR PRELIMINARY COVER
.
139
ARTICLE 2:304 ABUSIVE CLAUSES
.
139
COMMENTS
.
MO
UNFAIR CONTRACT TERMS DIRECTIVE (93/13/EEC) 140
PERSONS PROTECTED UNDER ARTICLE 2:304
.
140
CORE TERMS
.
140
INDIVIDUALLY NEGOTIATED TERMS
.
141
FAIRNESS LEST
.
141
GREY LIST
.
142
SANCTIONS
.
142
BURDEN OF PROOF: UNFAIRNESS
.
142
NOTES
IMPLEMENTATION OF EU LAW
.
145
ADDITIONAL AND BROADER PROVISIONS ON THE FAIRNESS OF INSURANCE TERMS
.
146
NON-NEGOTIATED CONTRACTS, ARTICLE 2:304 PARAS. 1 AND 4
. 147
EXCEPTIONS FROM JUDICIAL REVIEW, ARTICLE 2:304 PARA. 3
.
147
CONSEQUENCES OF INVALIDITY OF A CLAUSE, ARTICLE 2:304 PARA. 2
. 148
SECTION FOUR: RETROACTIVE AND PRELIMINARY COVER
ARTICLE 2:401 RETROACTIVE COVER
COMMENTS
.
148
ISSUES OF RISK
.
148
KNOWLEDGE OF THE INSURER
.
149
KNOWLEDGE OF THE POLICYHOLDER
.
149
NOTES
GENERAL PERMISSION FOR RETROACTIVE COVER
. 149
SECTOR-SPECIFIC PERMISSION FOR RETROACTIVE COVER
.
150
ARTICLE 2:402 PRELIMINARY COVER
COMMENTS
.
I5I
PRELIMINARY COVER
.
151
EVIDENCING THE PRELIMINARY COVER
.
152
EXCLUSION OF ARTICLES 2:201 TO 2:203
.
152
NOTES
SURVEY
.
152
FORM AND INFORMATION REQUIREMENTS: GERMANY, GREECE
.
152
FRANCE
.
153
BELGIUM
.
153
LUXEMBOURG
.
154
UNITED KINGDOM
.
154
TERMS OF THE COVER NOTE
.
154
ARTICLE 2:403 DURATION OF PRELIMINARY COVER
COMMENTS
.
155
DURATION OF THE PRELIMINARY COVER
.
155
NOTES
GERMANY . 155
PRANCE
.
156
SECTION FIVE: INSURANCE POLICY
ARTICLE 2:501 CONTENTS
.
156
COMMENTS
.
157
INSURANCE POLICY . 157
FVIDENCE
.
157
PAROL EVIDENCE RULE
.
.
.
.
.
.
.
157
PRELIMINARY INSURANCE CONTRACTS
.
157
NOTES
ISSUE OF A DOCUMENT
.
158
INFORMATION TO BE PROVIDED - DETAILED REQUIREMENTS
. 158
MIXTURE: GENERAL PROVISION WITH SOME DETAILS
.
158
MEANS OF PROOF
.
159
CONSTITUTIVE EFFECT
.
159
ISSUE OF GENERAL CONTRACT TERMS
.
159
COVER NOTES
.
160
WRITTEN FORM
.
160
ARTICLE 2:502 EFFECTS OF THE POLICY
COMMENTS
.
160
NOTES
.
161
LEGAL PRESUMPTION OF APPROVAL
.
161
TERM FOR CONTRADICTION
.
162
PRECONDITIONS FOR PRESUMPTION
.
162
SIGNATURE AS MEANS OF PROTECTION
.
162
LEGAL PRESUMPTION OF CONTRACT IN ACCORDANCE WITH APPLICATION
. 163
SECTION SIX: DURATION OF THE INSURANCE CONTRACT
ARTICLE 2:601 DURATION OF THE INSURANCE CONTRACT
COMMENTS
.
163
COMPARATIVE SURVEY
.
.
163
STRUCTURE OF THE RULE
.
164
DURATION OF THE CONTRACT PERIOD
.
164
EFFECTS OF VIOLATION
.
164
PERSONAL INSURANCE
.
165
NOTES
MAXIMUM PERIOD
.
165
PERSONAL INSURANCE
.
166
ARTICLE 2:602 PROLONGATION
.
166
COMMENTS
.
167
THE NEED FOR PROLONGATION
.
167
PROLONGATION AND RENEWAL
.
167
ADJUSTMENT OF CONTRACT
.
167
FORM OF NOTICE
.
167
TERM OF NOTICE
.
.
.
. 168
NOTES
STATUTORY AND CONTRACTUAL PROLONGATION
. 168
PERIOD OF PROLONGATION
.
169
PROLONGATION AND RENEWAL
.
169
ARTICLE 2:603 ALTERATION OF TERMS AND CONDITIONS
COMMENTS
.
170
THE NEED FOR A RULE FOR ALTERATION
.
170
THE NEED FOR A SPECIAL RULE FOR INSURANCE CONTRACTS
.
170
THE CONCEPT UNDERLYING ARTICLE 2:603 170
MINIMUM STANDARDS FOR AN ALTERATION CLAUSE
. 171
NOTES
ARTICLE 2:603 PARA. 1
.
171
ARTICLE 2:603 PARA. 1(A) - COMMENCEMENT OF ALTERATION
.
172
ARTICLE 2:603 PARA. 1(B) - NOTICE
.
172
ARTICLE 2:603 PARA. 1(C) - RIGHT OF TERMINATION
.
172
ARTICLE 2:604 TERMINATION AFTER THE OCCURRENCE OF AN INSURED EVENT
COMMENTS
.
173
THE NEED FOR TERMINATION .
.
173
STATUTORY AND CONTRACTUAL RIGHTS TO TERMINATE
.
173
TIME LIMITS
.
173
OTHER RIGHTS TO TERMINATE
.
174
APPLICATION TO GROUP INSURANCE
.
174
NOTES
ARTICLE 2:604 PARA. 1
.
174
ARTICLE 2:604 PARA. 2 - REASONABLENESS
.
175
ARTICLE 2:604 PARA. 3 - EXPIRATION OF THE RIGHT OF TERMINATION
.
175
ARTICLE 2:604 PARA. 4 - END OF ('OVER
.
175
SECTION SEVEN: POST-CONTRACTUAL INFORM ATION DUTIES OF THE INSURER
ARTICLE 2:701 GENERAL INFORMATION DUTY
COMMENTS
.
176
THE NEED FOR INFORMATION DURING THE PERIOD OF INSURANCE COVER
.
176
INFORMATION TO BE GIVEN IN ALL CASES
.
.
176
INFORMATION ABOUT CHANGES IN THE CONTRACT
.
177
UPDATING INFORMATION
.
177
MANNER OF COMMUNICATION
.
.
.
177
NOTES
SURVEY . 177
LIFE INSURANCE . 178
LEGAL EXPENSES INSURANCE
.
178
FURTHER POST CONTRACTUAL INFORMATION DUTIES UNDER NATIONAL LAW
.
179
ARTICLE 2:702 FURTHER INFORMATION UPON REQUEST
COMMENTS .
180
PURPOSE
.
180
LIMITS
.
180
INFORMATION ON CHANGES IN STANDARD TERMS OF INSURANCE
.
.
.
180
MANNER OF COMMUNICATION
.
181
REMEDIES
.
181
NOTE
.
181
CHAPTER THREE: INSURANCE INTERM EDIARIES
ARTICLE 3:101 POWERS OF INSURANCE AGENTS
. 181
COMMENTS
.
182
LEGAL AND CONTRACTUAL AUTHORITY OF THE INSURANCE AGENT
.
182
MINIMUM AUTHORITY
.
182
IMPUTATION OF THE AGENT*S KNOWLEDGE
.
183
LIABILITY OF THE AGENT
.
183
NOTES
FIRST SENTENCE OF ARTICLE 3:101 PARA. 1 - STATUTORY POWERS
. 183
SECOND AND THIRD SENTENCES OF ARTICLE 3:101 PARA. 1 - CONTRACTUAL
LIMITATIONS . 184
ARTICLE 3:101 PARA. 2 - MINIMUM POWERS
. 184
ARTICLE 3:101 PARA. 3 - IMPUTATION OF THE AGENTS KNOWLEDGE
.
184
ARTICLE 3:102 AGENTS OF INSURERS PURPORTING TO BE INDEPENDENT
COMMENTS
.
185
RATIONALE
.
185
SCOPE
.
185
ACTUAL AUTHORITY OF *PSEUDO BROKERS*
.
.
185
NOTE
.
186
CHAPTER FOUR: THE RISK INSURED
SECTION ONE: PRECAUTIONARY MEASURES
ARTICLE 4:101 PRECAUTIONARY MEASURES: MEANING
COMMENTS
.
186
GENERAL REMARKS
.
186
THE CONCEPT OF PRECAUTIONARY MEASURE
.
187
NOTES
GENERAL REMARKS
.
187
FINLAND AND SWEDEN . 188
AUSTRIA, GERMANY, SWITZERLAND
.
188
UNITED KINGDOM
. 188
FRANCE . 188
BELGIUM, LUXEMBOURG AND THE NETHERLANDS
. 189
SPAIN
.
189
POLAND
.
189
GREECE
.
189
ARTICLE 4:102 INSURER'S RIGHT TO TERMINATE THE CONTRACT
. 189
COMMENTS
.
190
TERMINATION AND NON-PROLONGATION
.
190
TERMINATION UNDER OTHER PROVISIONS
.
190
MANNER OF TERMINATION
.
190
APPLICATION TO GROUP INSURANCE
.
190
NOTES
IPSO JURE AVOIDANCE OR DECLARATION OF TERMINATION
. 190
TERMINATION EX TUNC OR EX NUNC
.
191
CAUSATION: FRANCE AND UNITED KINGDOM
. 191
CAUSATION IN OTHER MEMBER STATE LAWS
.
192
FAULT: FRANCE, THE NETHERLANDS AND UNITED KINGDOM
.
192
FAULT: OTHER EUROPEAN LAWS
.
192
WRITTEN NOTICE AND TIME LIMITS
.
192
END OF COVER
.
193
NATIONAL PECULIARITIES
.
193
ARTICLE 4:103 DISCHARGE OF THE INSURER'S LIABILITY
COMMENTS
.
193
GENERAL REMARKS
.
193
CAUSATION
.
194
FAULT
.
194
NOTES
.
194
GENERAL REMARKS
.
194
CAUSATION
.
195
FRANCE
.
195
UNITED KINGDOM
.
195
ITALY
.
195
BELGIUM AND LUXEMBOURG
.
196
AUSTRIA AND GERMANY
.
196
THE NETHERLANDS
.
196
FURTHER OBJECTIVE ELEMENTS
.
196
FAULT
.
196
GERMANY
.
197
FINLAND
.
197
AUSTRIA
.
197
BELGIUM AND LUXEMBOURG
.
197
SECTION TWO: A G G RA V A TIO N O F RISK
ARTICLE 4:201 CLAUSES CONCERNING AGGRAVATION O F RISK
C OM M ENTS . 198
ALLOCATION OF RISK
.
198
THE NEED FOR RULES OF LAW
.
198
AGGRAVATION OF RISK
.
199
CLAUSES
.
199
NOTES
INFORMATION REQUIREMENTS
. 199
MATERIAL AGGRAVATION OF RISK
.
200
AGGRAVATION SPECIFIED IN THE CONTRACT
.
200
ARTICLE 4:202 DUTY TO GIVE NOTICE OF AN AGGRAVATION O F RISK
C OM M ENTS
.
200
THE NEED FOR NOTIFICATION
.
200
THE MANNER OF NOTIFICATION
.
201
BREACH
.
201
NOTES
NOTICE IN REASONABLE TIME
.
201
INSURERS DUTY TO PAY INSURANCE MONEY 202
ARTICLE 4:203 TERMINATION AND DISCHARGE
C OM M ENTS
.
202
RECONSIDERATION OF THE RISK BY INSURERS
.
202
TIME FOR POLICYHOLDERS TO FIND ALTERNATIVE COVER
.
203
DISCHARGE
.
203
APPLICATION TO GROUP INSURANCE
.
203
NOTES
EXPIRY OF COVER
.
203
DISCHARGE
.
204
SECTION THREE: R EDUCTION O F RISK
ARTICLE 4:301 CONSEQUENCES O F THE REDUCTION OF RISK
C OM M ENTS
.
204
PURPOSE AND SCOPE
.
204
MATERIALITY
.
205
POLICYHOLDERS INITIATIVE
.
205
NOTES
REDUCTION OF THE PREMIUM
.
205
TERMINATION OF CONTRACT
.
206
EXCEPTIONS FOR PERSONAL INSURANCE
.
207
C HAPTER FIVE: INSURANCE P REM IUM
ARTICLE 5:101 FIRST OR SINGLE PREMIUM
C OM M ENTS
.
207
SCOPE OF REGULATION . 207
REGULATORY APPROACH
.
207
FIRST AND SINGLE PREMIUM
.
208
PREREQUISITES FOR GIVING EFFECT TO A CONDITION WHICH IS SUBJECT TO
ARTICLE 5:L0L
.
209
CONSEQUENCES OF PAYMENT OR NON-PAYMENT WITHIN THE T WO WEEK PERIOD
.
209
NOTES
POSTPONEMENT OF COVER
.
210
PROTECTION OF THE APPLICANTS EXPECTATIONS
.
210
ARTICLE 5:102 SUBSEQUENT PREMIUM
C OM M ENTS
.
211
SCOPE OF REGULATION
.
.
211
REGULATORY APPROACH
.
211
SUBSEQUENT PREMIUM
.
212
PREREQUISITES FOR GIVING EFFECT TO A CLAUSE WHICH IS SUBJECT TO ARTICLE
5:102
.
212
CONSEQUENCES OF PAYMENT OR NON-PAYMENT WITHIN THE PERIOD OF GRACE
. 212
NOTES
.
213
ARTICLE 5:103 TERMINATION OF THE CONTRACT
C OM M ENTS
.
214
SCOPE OF REGULATION
.
214
REGULATORY APPROACH
.
214
TERMINATION IN CASE OF NON-PAYMENT OF A FIRST OR SINGLE PREMIUM
. 215
TERMINATION IN CASE OF NON-PAYMENT OF A SUBSEQUENT PREMIUM
.
215
NOTICE OF TERMINATION
.
215
EFFECTS OF TERMINATION
.
215
AUTOMATIC TERMINATION
.
215
NOTES
ARTICLE 5:103 PARA. 1: THE RIGHT TO TERMINATE
.
216
FORM OF TERMINATION .
.
.
.
.
216
ARTICLE 5:103 PARA. 2
.
217
ARTICLE 5:104 DIVISIBILITY OF PREMIUM
C OM M ENTS
.
217
THE PRINCIPLE
.
217
ABOLITION OF A PRINCIPLE OF INDIVISIBILITY OF PREMIUM
.
. 217
NOTES
.
218
ARTICLE 5:105 RIGHT TO PAY PREMIUM
C OM M ENTS
. 219
OBLIGATION OF THE INSURER TO ACCEPT PAYMENT
.
219
CONSENT OF THE POLICYHOLDER
.
.
219
LEGITIMATE INTEREST OF THIRD PARTY
.
219
NOTES
.
220
C HAPTER SIX: INSURED EVENT
ARTICLE 6:101 NOTICE O F INSURED EVENT
.
. 220
C OM M ENTS .
221
CHANNELS OF COMMUNICATION
.
221
BALANCING INTERESTS
. 221
NOTICE PERIODS . 222
CONTENTS OF THE NOTICE
.
222
BREACH OF DUTY
.
222
NOTES
ARTICLE 6:101 PARA. 1: DUTY TO NOTIFY
.
.
.
.
. 223
WHO OWES THE DUTY TO NOTIFY . 223
ARTICLE 6:101 PARA. 2: LIME ALLOWED FOR NOTIFICATION
.
223
CONTRACTUAL DEROGATIONS
.
224
ARTICLE 6:101 PARA. 3: SANCTION - REDUCTION OF INSURANCE MONEY
.
.
. . . 224
CONTRACTUAL ARRANGEMENTS .
225
ARTICLE 6:102 CLAIMS COOPERATION
C OM M ENTS
.
226
INFORMATION ABOUT THE OCCURRENCE OF THE INSURED EVENT
. 226
REASONABLE REQUESTS
.
226
BREACH OF DUTY .
226
NOTES
ARTICLE 6:102 PARA. 1: DUTY TO COOPERATE
. 227
ARTICLE 6:102 PARAS. 2 AND 3: SANCTIONS
.
227
ARTICLE 6:103 ACCEPTANCE OF CLAIMS
COMMENTS
.
228
SETTLEMENT
.
228
PROMPT SETTLEMENT OF CLAIMS
.
228
NOTES
.
229
ARTICLE 6:104 TIME OF PERFORMANCE
COMMENTS
.
229
THE IMPORTANCE OF PERFORMANCE
.
229
UNDUE DELAY
.
230
THE AMOUNT PAYABLE
.
230
NOTES
ARTICLE 6:104 PARAS. 1 AND 3: RULES ON THE T IME OF PAYMENT
. 230
ARTICLE 6:104 PARA. 2: PARTIAL PAYMENT
.
.
.
231
ARTICLE 6:105 LATE PERFORMANCE
COMMENTS
.
232
COMPENSATION . 232
DAMAGES
.
232
THE CONCEPTUAL BASIS OF LIABILITY
.
233
ASSESSMENT OF LOSS
.
233
INSTANCES OF LOSS
.
233
NOTES
GENERAL RULES ON INTEREST
.
234
SPECIFIC INTEREST RULES FOR INSURANCE LAW
. 234
PUNITIVE INTEREST RATES
.
234
CHAPTER SEVEN: PRESCRIPTION
ARTICLE 7:101 ACTION FOR PAYMENT OF PREMIUM
. 234
COMMENTS
.
235
NOTES
COMMUNITY LAW
.
235
GENERAL RULES FOR ALL CLAIMS ARISING FROM INSURANCE CONTRACTS
.
.
. 235
SPECIFIC RULES ON PRESCRIPTION OF PREMIUMS
. 235
GENERAL RULES OF THE LAW OF PRESCRIPTION
. 236
COMPARISON OF PRESCRIPTION PERIODS
.
236
ARTICLE 7:102 ACTION FOR PAYMENT OF INSURANCE BENEFITS
. 236
COMMENTS
.
237
GENERAL PERIOD OF PRESCRIPTION AND ITS COMMENCEMENT
. 237
ABSOLUTE PERIOD OF PRESCRIPTION AND ITS COMMENCEMENT
. 237
NOTES
INTRODUCTION
.
238
A SINGLE RULE WITHOUT ANY REQUIREMENT OF KNOWLEDGE
.
239
A DOUBLE STANDARD: KNOWLEDGE PLUS TIME
. 239
THE INSURER*S DECISION ON THE CLAIM AS STARTING POINT OF PRESCRIPTION
.
239
THE DURATION OF THE PRESCRIPTION PERIODS
.
239
EXCEPTION FOR LIFE ASSURANCE CONTRACTS
.
.
.
240
ARTICLE 7:103 OTHER ISSUES RELATING TO PRESCRIPTION
.
240
C OM M ENTS
.
.
.
24
1
PRESCRIPTION OF CLAIMS NOT COVERED BY ARTICLES 7:101 AND 7:102
.
.
.
241
UNREGULATED ISSUES OF PRESCRIPTION
.
241
CONTRACTUAL DEROGATIONS
.
241
NOTES
GENERAL REMARK
.
241
CONTRACTUAL DEROGATION
.
242
SUSPENSION IN CASE OF NEGOTIATIONS
.
242
SUSPENSION WHEN NOTICE OR CLAIM IS LODGED
.
242
ADDITIONAL REASON FOR SUSPENSION OR RENEWAL
.
243
PART TWO: PROVISIONS COM M ON TO IN D EM N ITY INSURANCE
CHAPTER EIGHT: SUM INSURED AND INSURED VALUE
ARTICLE 8:101 MAXIMUM SUMS PAYABLE
C OM M ENTS
.
243
IHE INDEMNITY PRINCIPLE AND THE SUM INSURED
.
243
MITIGATION COSTS
.
244
THE SUM INSURED
.
244
VALUED POLICIES
.
244
NOTES
THE INDEMNITY PRINCIPLE
.
244
VALUE AGREEMENTS
.
245
EFFECT OF VALUE AGREEMENTS
.
245
FRAUD OR MISREPRESENTATION ON THE PART OF THE INSURED
. 246
ARTICLE 8:102 UNDERINSURANCE
C OM M ENTS
.
246
BASIC PRINCIPLE: FIRST LOSS COVER
.
246
PERMITTED DEROGATION: PROPORTIONATE RECOVERY
. 246
ALTERNATIVE REMEDIES
.
247
NOTES
THE PRINCIPLE OF PROPORTIONATE REDUCTION
.
247
EXCEPTIONS
.
247
CONTRACTUAL DEROGATIONS
.
.
.
248
ARTICLE 8:103 ADJUSTMENT OF TERMS IN CASE OF OVERINSURANCE
COMMENTS
.
248
BASIC PRINCIPLE: ADJUSTMENT O F TERMS .
.
.
.
.
.
248
OVERINSURANCE CAUSED BY MULTIPLE INSURANCE
.
.
. 249
DETERMINATION OF INSURANCE MONEY
.
249
ALTERNATIVE REMEDIES
.
249
NOTES
GENERAL
.
.
.
.
.
.
.
.
. 249
THE CLAIM FOR REDUCTION, ARTICLE 8:103 PARA. 1
.
.
249
TERMINATION, ARTICLE 8:103 PARA. 2
.
250
ARTICLE 8:104 MULTIPLE INSURANCE
COMMENTS
.
.
250
BACKGROUND
.
.
.
.
.
.
.
.
.
.
250
KEY ELEMENTS O F MULTIPLE INSURANCE
.
.
.
251
THE INSUREDS CHOICE
.
251
CONTRIBUTIONS BY DIFFERENT INSURERS
.
252
NOTES
GENERAL
.
252
INDEM NITY PRINCIPLE, ARTICLE 8:104 PARA. 1
.
253
FULL LIABILITY OF EACH INSURER, ARTICLE 8:104 PARA. 2
.
253
RECOURSE AGAINST OTHER INSURER(S), ARTICLE 8:104 PARA. 3
.
.
254
CHAPTER NINE: ENTITLEM ENT TO INDEM NITY
ARTICLE 9:101 CAUSATION OF LOSS
.
.
.
.
.
.
.
254
COMMENTS
.
.
255
LIMITS ON RECOVERY OF INDEM NITY
.
.
. 255
INTENTION
.
255
RECKLESSNESS
.
255
FAILURE TO AVERT OR MITIGATE
.
255
DUTY AND CAUSATION
.
256
THE PERSONS PROHIBITED
.
.
.
.
.
.
.
.
.
256
NOTES
SURVEY
.
256
INTENTION AND GROSS NEGLIGENCE, ARTICLE 9:101 PARA. 1
. 257
INTENTION AND RECKLESSNESS OF THIRD PARTIES
.
257
CONTRACTUAL DEROGATIONS IN CASE OF NEGLIGENCE
. 258
FAILURE TO AVERT AND MITIGATE LOSS, ARTICLE 9:101 PARA. 3
.
.
. 259
ARTICLE 9:102 THE COSTS OF MITIGATION
COMMENTS
.
.
259
ESTABLISHMENT OF A RIGHT TO RECOVER CERTAIN COSTS
.
259
SCOPE OF THE RIGHT O F RECOVERY
.
260
UNDERINSURANCE
.
.
.
.
.
.
.
260
NOTES
GENERAL
.
260
REASONABLE MITIGATION COSTS, ARTICLE 9:102 PARA. 1
.
261
THE SUM INSURED AS LIM IT, ARTICLE 9:102 PARA. 2
. 261
CHAPTER TEN: RIGHTS O F SUBROGATION
ARTICLE 10:101 SUBROGATION
COMMENTS
.
262
INTRODUCTION
.
262
NEED FOR INDEM NITY
.
263
PROTECTION FOR INSURER
.
.
263
THIRD PARTY . 264
PROTECTION OF THIRD PARTIES IN A CLOSE RELATIONSHIP WITH THE INSURED
. 264
NOTES
GENERAL
.
265
BASIC PRINCIPLE, ARTICLE 10:101 PARA. 1
. 265
PROTECTION OF SUBROGATION RIGHTS, ARTICLE 10:101 PARA. 2
. 266
PROTECTION OF THE INSUREDS ENTOURAGE, ARTICLE 10:101 PARA. 3
. 266
NO SUBROGATION RIGHTS AGAINST THE INSURED, ARTICLE 10:101 PARA. 4
. 267
CHAPTER ELEVEN: INSURED PERSONS OTHER THAN THE POLICYHOLDER
ARTICLE 11:101 ENTITLEMENT OF THE INSURED
COMMENTS
.
267
CONCEPT
.
267
PROTECTION OF THE INSURED AND SCOPE
.
268
BASIC RULE . 268
OTHER THIRD PARTY CLAIMS . 268
REVOCATION O F COVER
.
268
FORM OF NOTICE
.
269
EFFECTS O F REVOCATION
.
269
NOTES
ARTICLE 11:101 PARA. 1: GENERAL PRINCIPLE
.
269
ARTIKCLE 11:101 PARA. 2: REVOCATION
.
270
ACCEPTANCE
.
270
INSURANCE FOR W HOM IT M AY CONCERN
.
271
ARTICLE 11:102 KNOWLEDGE OF THE INSURED
COMMENTS
.
271
RATIONALE
.
271
RELATION WITH ARTICLE 1:206
. 272
ELEMENTS O F THE RULE
.
272
LEGAL CONSEQUENCES
.
272
NOTES
IMPUTATION TO THE POLICYHOLDER
.
273
DIRECT NOTIFICATION DUTIES OF THE INSURED
. 273
ARTICLE 11:103 BREACH OF DUTY BY ONE INSURED
. 273
COMMENTS
.
274
RATIONALE AND PURPOSE
.
.
.
274
SCOPE: THE POLICYHOLDER AS AN INSURED
.
274
SCOPE: GROUP INSURANCE
.
275
RELATION TO ARTICLE 1:206
.
275
LEGAL CONSEQUENCES
.
275
JOINT INSURANCE
.
276
NOTE
.
276
CHAPTER TWELVE: INSURED RISK
ARTICLE 12:101 LACK OF INSURED RISK
COMMENTS .
ILL
STRUCTURE AND POSITION OF THE RULE
.
ILL
NON-EXISTENCE OF INSURED RISK
.
278
CESSATION OF INSURED RISK
.
278
TRANSFER OF TITLE . 278
NOTES
GENERAL
.
279
INITIAL ABSENCE OF RISK, ARTICLE 12:101 PARA. 1
. 279
SUBSEQUENT CESSATION OF RISK, ARTICLE 12:101 PARA. 2
.
280
ARTICLE 12:102 TRANSFER OF PROPERTY
COMMENTS
.
280
THE NEED FOR A RULE CONCERNING TRANSFER OF PROPERTY
. 280
THE UNDERLYING CONCEPT
.
281
NON-MANDATORY CHARACTER OF THE RULE
.
281
SCOPE OF APPLICATION
.
281
INAPPLICABILITY TO T RANSFER OF TITLE BY INHERITANCE
.
281
THE FICTION OF AN INSURANCE CONTRACT FOR THE BENEFIT OF A THIRD PARTY
. 282
APPLICATION TO GROUP INSURANCE
.
282
NOTES
GENERAL
.
282
THE TERMINATION APPROACH, ARTICLE 12:102 PARA. 1
. 283
THE SUBSTITUTION APPROACH
.
283
TRANSFERABLE INSURANCE POLICIES
.
283
PASSING OF INSURANCE COVER, ARTICLE 12:102 PARA. 2
.
284
EXCEPTIONS, ARTICLE 12:102 PARA. 3 . 284
PART THREE: PROVISIONS COM M ON TO INSURANCE O F FIXED SUMS
CHAPTER THIRTEEN: ADMISSIBILITY
ARTICLE 13:101 INSURANCE OF FIXED SUMS
. 284
COMMENTS . 284
NOTES
GENERAL
.
285
CONTENT
.
286
RELATIONSHIP TO PERSONAL INSURANCE
.
286
PART FOUR: LIABILITY INSURANCE
CHAPTER FOURTEEN: GENERAL LIABILITY INSURANCE
ARTICLE 14:101 DEFENCE COSTS
.
286
COMMENTS
.
287
UNDERLYING PRINCIPLE
.
287
SCOPE OF DEFENCE COSTS
.
287
REASONABLENESS OF DEFENCE COSTS (ARTICLE 9:102)
.
287
REASONABLENESS AND SUM INSURED
.
287
FREE CHOICE OF DEFENCE LAWYER
.
288
COSTS OF CRIMINAL PROCEEDINGS
.
288
MULTIPLE INSURANCE
.
. 288
ARTICLE 14:102 PROTECTION OF THE VICTIM
COMMENTS
.
288
UNDERLYING PRINCIPLE
.
288
SCOPE
.
289
AGREEMENT ON DEFENCE COSTS
.
289
ARTICLE 14:103 CAUSATION OF LOSS
COMMENTS
.
289
UNDERLYING PRINCIPLE
.
289
SPECIFIC INSTRUCTIONS
.
290
RELATION TO ARTICLE 6:102
.
290
ARTICLE 14:104 ACKNOWLEDGEMENT OF LIABILITY
. 290
COMMENTS
.
.
291
ACCEPTANCE OF THE VICTIM*S CLAIM
.
291
INSURER*S CONSENT
.
291
ARTICLE 14:105 ASSIGNMENT
COMMENTS
.
291
INTERESTS INVOLVED
.
291
RATIONALE
.
292
ARTICLE 14:106 NO-CLAIMS-BONUSES / BONUS-MALUS-SYSTEMS
COMMENTS
.
292
BACKGROUND
.
292
TRANSFER OF BONUSES
.
292
CLAIMS RECORD
.
293
ARTICLE 14:107 INSURED EVENT
COMMENTS
.
293
BACKGROUND: TRIGGERS FOR THE INSURER'S LIABILITY
. 293
NEW ARRANGEMENTS FOR THE INSURER*S LIABILITY
.
294
DIFFERENT NATIONAL SOLUTIONS
.
295
THE BASIC RULE (ARTICLE 14:107 PARA. 1)
.
296
CONSUMER LIABILITY INSURANCE - MANDATORY RULE
. 297
COMMERCIAL AND PROFESSIONAL RISKS - DEFAULT RULE
. 297
CLAIMS MADE CLAUSES
.
298
OTHER CLAUSES
.
298
ARTICLE 14:108 CLAIMS EXCEEDING THE SUM INSURED
COMMENTS
.
299
RATIONALE
.
299
PROPORTIONALITY
.
299
MULTIPLE EVENTS
.
300
PROTECTION OF THE INSURER
.
300
CHAPTER FIFTEEN: DIRECT CLAIMS AND DIRECT ACTIONS
ARTICLE 15:101 DIRECT CLAIMS AND DEFENCES
COMMENTS
.
301
RATIONALE
.
301
COMPULSORY INSURANCE
.
302
INSOLVENCY
.
302
LIQUIDATION OR WINDING UP
.
303
PERSONAL INJURY
.
303
LAW GOVERNING LIABILITY
.
303
LIMITS TO THE DIRECT CLAIM
.
303
DEFENCES
.
304
ARTICLE 15:102 INFORMATION DUTIES
COMMENTS
.
304
RATIONALE
.
304
INFORMATION DUTY OF THE POLICYHOLDER AND THE INSURED (PARA. 1)
. 305
INFORMATION DUTY OF THE INSURER (PARA. 2)
.
305
SANCTIONS
.
305
INFORMATION DUTY OF THE POLICYHOLDER (FIRST SENTENCE OF PARA. 3) 306
INFORMATION DUTY OF THE INSURED (SECOND SENTENCE OF PARA. 3)
.
306
PERIOD FOR THE PROVISION OF INFORMATION .
.
306
ANALOGOUS APPLICATION OF PARA. 3
.
306
ARTICLE 15:103 DISCHARGE
.
306
COMMENTS
.
307
RATIONALE
.
307
PRINCIPLE
.
307
EXCEPTIONS
.
307
ARTICLE 15:104 PRESCRIPTION
. 307
COMMENTS
.
308
RATIONALE
.
308
PRESCRIPTION PERIOD
. 308
EXCEPTION: DEFENCE COSTS
.
.
308
SUSPENSION . 308
CHAPTER SIXTEEN: COMPULSORY INSURANCE
ARTICLE 16:101 SCOPE OF APPLICATION
COMMENTS . 309
RATIONALE
.
309
THE DUTY TO INSURE AND THE APPLICABLE CONTRACT LAW
. 310
THE ORIGINS OF DUTIES TO INSURE
.
310
THE PRIORITY OF NATIONAL REQUIREMENTS, PARA. 2
. 311
PART FIVE: LIFE INSURANCE
CHAPTER SEVENTEEN: SPECIAL PROVISIONS FOR LIFE INSURANCE
SECTION ONE: THIRD PARTIES
ARTICLE 17:101 LIFE INSURANCE ON THE LIFE OF A THIRD PARTY
COMMENTS
.
312
RATIONALE
.
312
CONSENT REQUIREMENT: GENERAL ASPECTS
.
313
CONSENT IN WRITING
.
313
INFORMED CONSENT
.
314
TIME OF CONSENT
.
314
APPLICATION TO SUBSTANTIAL CHANGES AND OTHER SITUATIONS
.
314
SANCTIONS
.
314
ARTICLE 17:102 BENEFICIARY OF THE INSURANCE MONEY
COMMENTS
.
315
RATIONALE
.
315
SCOPE
.
316
DESIGNATION AND CHANGE OF DESIGNATION
. 316
FORM OF DESIGNATION (PARA. 1) 316
BENEFICIARY IN THE ABSENCE OF EFFECTIVE DESIGNATION (PARA. 3)
. 317
DEATH OR REVOCATION OF ONE OF MULTIPLE BENEFICIARIES (PARA. 4)
.
317
EFFECTS OF INSOLVENCY PROCEEDINGS (PARA. 5)
. 317
DISCHARGE (PARA. 6)
.
318
ARTICLE 17:103 BENEFICIARY OF THE SURRENDER VALUE
. 318
C OM M ENTS
.
319
RATIONALE
.
319
REVOCATION AND CHANGE
.
319
DEFAULT RULE (PARA. 2)
.
319
CROSS-REFERENCES (PARA. 3)
.
320
ARTICLE 17:104 ASSIGNMENT OR ENCUMBRANCE
C OM M ENTS
.
320
RATIONALE
.
320
ACTION OF THE POLICYHOLDER
.
320
ACTION OF THE BENEFICIARY
.
321
CONSENT
.
321
EFFECT OF ASSIGNMENT AND ENCUMBRANCE
.
321
ARTICLE 17:105 RENUNCIATION OF ESTATE
C OM M ENTS
.
321
BACKGROUND
.
321
RULE OF CONSTRUCTION
.
322
RELATIONSHIP WITH INSOLVENCY LAW
.
322
SECTION TWO: IN ITIA L STAGE AND D U RA TIO N O F TH E C ON TRACT
ARTICLE 17:201 APPLICANT'S PRE-CONTRACTUAL INFORM ATION DUTIES
C OM M ENTS
.
322
RATIONALE
.
322
INFORMATION ABOUT THE PERSON AT RISK (PARA. 1)
.
322
INDISPUTABILITY (PARA. 2)
.
323
ARTICLE 17:202 INSURER'S PRE-CONTRACTUAL INFORM ATION DUTIES
C OM M ENTS
.
324
RATIONALE
.
324
ADDITIONAL INFORMATION REQUIREMENTS
.
325
INFORMATION ON RISKS UNDERLYING THE CONTRACT (PARA. 3)
. 325
MODEL CALCULATION (PARA. 4)
.
326
ARTICLE 17:203 COOLING-OFF PERIOD
C OM M ENTS
.
326
RATIONALE AND OBJECT OF PARA. 1
.
326
RATIONALE AND OBJECT OF PARA. 2
.
327
ARTICLE 17:204 POLICYHOLDER'S RIGHT TO TERMINATE THE CONTRACT
C OM M ENTS
.
327
RATIONALE
.
327
UNEQUAL REGULATION FOR BOTH PARTIES
.
328
THE ONE-YEAR WAITING PERIOD
.
328
SINGLE PREMIUM INSURANCE (SECOND SENTENCE OF PARA. 1)
. 328
EXCLUSION OF TERMINATION RIGHTS UNDER NATIONAL LAW
.
.
.
329
FORM AND EFFECT OF TERMINATION (THIRD SENTENCE OF PARA. 1)
. 329
ARTICLE 17:205 INSURER'S RIGHT TO TERMINATE THE CONTRACT
.
329
C OM M ENTS
.
.
.
.
.
.
.
. 330
RATIONALE
.
.
.
.
.
.
.
330
TERMINATION FOR BREACH OF ERE CONTRACTUAL DISCLOSURE DUTIES
.
330
TERMINATION FOR AGGRAVATION OF RISK
.
331
TERMINATION FOR NON-PAYMENT OF PREMIUM
.
.
.
331
MODALITIES AND EFFECT OF TERMINATION
.
.
.
. 331
SECTION THREE: CHANGES D U RIN G TH E C O N TRA CT PERIOD
ARTICLE 17:301 INSURER'S POST-CONTRACTUAL INFORM ATION DUTIES
C OM M ENTS .
332
RATIONALE . 332
SCOPE
.
332
CONTEXT
.
332
ARTICLE 17:302 AGGRAVATION OF RISK
C OM M ENTS . 333
RATIONALE
.
333
SCOPE
.
333
SANCTION
.
333
ARTICLE 17:303 ADJUSTM ENT OF PREMIUM AND BENEFITS PAYABLE
C OM M ENTS . 334
RATIONALE
.
334
NATIONAL LAWS AS MODELS
.
335
SCOPE (PARAS. 1 AND 3)
. 335
REQUIREMENTS (PARA. 2)
.
335
EXCEPTIONS (PARA. 4)
.
.
336
FORM AND TIME OF EFFECTIVENESS (PARA. 5)
.
.
.
336
PREMIUM REDUCTION
.
337
PREMIUM STABILITY (PARA. 7)
. 337
ADJUSTMENT CLAUSES . 337
ARTICLE 17:304 ALTERATION OF TERMS AND CONDITIONS
.
.
.
.
337
C OM M ENTS
.
338
RATIONALE . 338
SCOPE
.
338
REQUIREMENTS FOR ALTERATION CLAUSES (PARA. 1)
. 338
LIMITED REASONS FOR ALTERATIONS (PARA. 1) 338
ALTERATION OF SUPERVISORY LAW
.
339
PENSION SCHEMES
.
339
TAX PRIVILEGES
.
339
REPLACEMENT OF INVALID CLAUSES
.
339
FURTHER REQUIREMENTS FOR AN ALTERATION (PARA. 2)
.
340
RETROACTIVE EFFECT
.
340
MINIMUM STANDARDS FOR ALTERATION CLAUSES IN LIFE INSURANCE
.
340
SECTION FOUR: RELATION TO NATIONAL LAWS
ARTICLE 17:401 PENSION PLANS
COMMENTS
.
340
RATIONALE
.
340
ILLUSTRATION
.
.
341
SCOPE . 342
PRECEDENCE OF NATIONAL LAW
.
342
ARTICLE 17:402 TAX TREATMENT AND STATE SUBSIDIES
. 342
COMMENTS
.
343
RATIONALE
.
343
SCOPE
.
343
LEGAL CONSEQUENCES
.
343
SECTION FIVE: INSURED EVENT
ARTICLE 17:501 INSURER'S INVESTIGATION AND INFORMATION DUTY
COMMENTS
.
344
RATIONALE
.
344
DUTY TO INVESTIGATE THE OCCURRENCE OF THE INSURED EVENT (PARA. 1) 344
DUTY TO INVESTIGATE THE IDENTITY AND ADDRESS OF THE BENEFICIARY (PARA.
2) 345
DUTY TO INFORM THE BENEFICIARY (PARA. 2)
. 345
SANCTIONS (PARA. 3) 346
ARTICLE 17:502 SUICIDE
COMMENTS
.
346
RATIONALE
.
346
SCOPE
.
347
TIME PERIOD . 347
MENTAL INCAPACITY
.
347
DISCHARGE
.
348
ARTICLE 17:503 INTENTIONAL KILLING OF THE PERSON AT RISK
COMMENTS .
348
RATIONALE
.
348
SCOPE . 349
DETAILS . 349
INTENTION . 349
SELF-DEFENCE
.
349
MANDATORY CHARACTER
.
349
SECTION SIX: CONVERSION AND SURRENDER
ARTICLE 17:601 CONVERSION OF THE CONTRACT
COMMENTS
.
350
RATIONALE
.
350
POLICYHOLDERS OPTIONS
.
.
.
350
INFORMATION DUTY .
.
.
350
FORM OF REQUEST
.
.
.
.
.
351
ARTICLE 17:602 SURRENDER OF THE CONTRACT
C OM M ENTS
.
351
RIGHT OF SURRENDER (PARA. 1)
.
.
.
.
.
351
TERMINATION BY THE INSURER (PARA. 2)
.
.
.
352
INSURER*S INFORMATION DUTY (PARA. 3)
.
.
. 352
WITH-PROFITS POLICIES (PARA. 4)
.
.
.
.
.
.
352
LIM E OF PAYMENT (PARA. 5) .
.
. 352
ARTICLE 17:603 CONVERSION VALUE; SURRENDER VALUE
.
.
.
352
C OM M ENTS
.
.
.
.
353
HOME COUNTRY PRINCIPLE (FIRST SENTENCE OF PARA. 1)
. 353
ESTABLISHED ACTUARIAL PRINCIPLES (SECOND SENTENCE OF PARA. 1)
.
353
DEDUCTION OF COSTS OF CONTRACT CONCLUSION (PARA. 2)
.
.
.
353
DEDUCTION OF COSTS OF PAYMENT OF THE SURRENDER VALUE (PARA. 3)
.
354
PART SIX: G ROUP INSURANCE
C HAPTER EIGHTEEN:
SPECIAL PROVISIONS FOR GROUP INSURANCE
SECTION ONE:
GROUP INSURANCE IN GENERAL
ARTICLE 18:101 APPLICABILITY
C OM M ENTS
.
.
.
354
BACKGROUND
.
.
.
354
DEFINITION
.
354
CLASSIFICATION
.
.
354
APPLICABILITY OF THE PHICI.
.
. 355
ARTICLE 18:102 GENERAL DUTY OF CARE OF THE GROUP ORGANISER
COM M ENTS
.
355
RATIONALE .
.
.
.
. 355
DUTY OF CARE
.
356
DUTY UNDER CONTRACT
.
.
. 356
INFORMATION (PARA. 2) .
.
.
356
SECTION TWO:
ACCESSORY GROUP INSURANCE
ARTICLE 18:201 APPLICATION OF THE PEICL
COM M ENTS
.
357
CROUP INSURANCE AND PROTECTION OF CROUP MEMBERS
.
. 357
STRAIGHTFORWARD APPLICATION OF THE PHICI
.
.
.
357
APPLICATION OF THE PEICL MUTATIS MUTANDIS
.
.
. 358
CONTRACT TERMS AND THE MUTATIS MUTANDIS RULE
.
358
NEED FOR SPECIAL RULES
.
358
ARTICLE 18:202 INFORMATION DUTIES
COMMENTS
.
358
RATIONALE
.
358
INFORMATION DUTY WHEN A PERSON JOINS A GROUP
.
.
. 359
TIME WHEN INFORMATION HAS TO BE PROVIDED
.
. 359
PERSON OBLIGED TO PROVIDE INFORMATION
.
359
SANCTIONS
.
359
BURDEN OF PROOF
.
360
INFORMATION AFTER JOINING . 360
ARTICLE 18:203 TERMINATION BY THE INSURER
COMMENTS
.
360
RATIONALE
.
360
TERMINATION AFTER OCCURRENCE OF THE INSURED EVENT
.
361
TERMINATION FOR NON-COMPLIANCE WITH PRECAUTIONARY MEASURES
OR AGGRAVATION OF RISK (PARA. 2)
.
361
TERMINATION BY TRANSFER OF PROPERTY (PARA. 3)
.
.
.
361
ARTICLE 18:204 RIGHT TO CONTINUE COVER - GROUP LIFE INSURANCE
.
.
.
361
COMMENTS
.
. 362
RATIONALE
.
362
COVER IN TRANSITIONAL PERIOD
.
362
RIGHT TO INDIVIDUAL COVER (PARA. 1)
. 363
CONTENTS OF THE INDIVIDUAL INSURANCE (PARAS. 1 AND 3) .
.
.
363
INDIVIDUAL INSURANCE AS A NEW CONTRACT
. 363
GROUP ORGANISERS INFORMATION DUTY
.
363
SANCTIONS FOR BREACH OF THE INFORMATION DUTY
. 364
SECTION THREE: ELECTIVE GROUP INSURANCE
ARTICLE 18:301 ELECTIVE GROUP INSURANCE: GENERAL
COMMENTS
.
.
364
ELECTIVE GROUP INSURANCES AS FRAMEWORK CONTRACTS
. 364
APPLICABILITY OF THE
PHICI.
364
ARTICLE 18:302 ALTERATION OF TERMS AND CONDITIONS
COMMENTS
.
365
RATIONALE .
365
ALTERATION OF TERMS AND CONDITIONS OF THE F RAMEWORK CONTRACT
.
365
REQUIREMENTS OF ARTICLE 2:603
.
365
REQUIREMENTS OF ARTICLES 17:303 AND 17:304
. 365
ARTICLE 18:303 CONTINUATION OF COVER
COMMENTS
.
366
CONTENTS
.
366
POSSIBLE CONSEQUENCES OF THE TERMINATION OF THE FRAMEWORK CONTRACT
.
366
COMPARISON WITH ARTICLE 18:204
.
366
PRINCIPLES O F EUROPEAN INSURANCE C ONTRACT LAW (PEICL):
TRANSLATIONS (NON-AUTHENTIC)
CHINESE VERSION: A M A U ^ I H L M W
.
369
CZECH VERSION: ZAESADY EVROPSKEHO POJISTOVACIHO
SMLUVMHO PRAEVA (ZEPSP)
.
393
DUTCH VERSION: PRINCIPLES OF EUROPEAN INSURANCE
CONTRACT LAW (PEICL)
.
420
FRENCH VERSION: PRINCIPES DU DROIT EUROPEEN
DU CONTRAT D'ASSURANCE (PDECA)
.
4SI
GERMAN VERSION: GRUNDREGELN DES EUROPAEISCHEN
VERSICHERUNGSVERTRAGSRECHT (GEVVR)
. 480
GREEK VERSION: APYIC EUPUNAIKOU A
IK Q IO U
RGC
AO PAAEIOTIKNC ZUEPSSAONC (AEAAI)
.
512
HUNGARIAN VERSION: AZ EUROPA! BIZTOSITAESI
SZERZOEDESI JOG ALAPELVEI
.
544
ITALIAN VERSION: PRINCIPI DI D IRITTO EUROPEO DEL
CONTRALTO DI ASSICURAZIONE (PEICL)
.
573
JAPANESE VERSION: 3 * *
"J
K M B .U K M M (P E IC L )
M S S :
B -A V
Y XFIU N 58*9^ FIIFLIJ(P E ICL )
. 603
KOREAN VERSION: PRINCIPLES O F EUROPEAN INSURANCE
CONTRACT LAW (PEICL) Y
*1
631
POLISH VERSION: ZASADY EUROPEJSKIEGO PRAWA
UBEZPIECZEH (ZEPU)
.
657
PORTUGUESE VERSION: PRINCI'PIOS DO DIREITO EUROPEU
DO CONTRATO DE SEGURO (PEICL)
.
689
SERBIAN VERSION:
PRINCIPI EVROPSKOG UGOVORNOG PRAVA OSIGURANJA (PEUPO)
.
717
SLOVAK VERSION:
PRINCIPY EUROEPSKEHO PRAEVA POISTNEJ ZM LUVY (PEPPZ)
.
745
SPANISH VERSION: PRINCIPIOS DE DERECHO EUROPEO DEL
CONTRATO DE SEGURO (PDECS)
.
774
SWEDISH VERSION: PRINCIPER FOR EN EUROPEISK
FOERSAEKRINGSAVTALSRAETT (PEICL)
.
804
TURKISH VERSION: AVRUPA SIGORTA SOEZLE$MESI UKUKU
ILKELERI (ASSHI)
.
833
ANNEXES
ABBREVIATIONS
.
863
TABLE OF NATIONAL STATUTES (INCLUDING DRAFT LEGISLATION AND LIKE
SOURCES)
.
866
TABLE OF EU LEGISLATION (INCLUDING DRAFT LEGISLATION AND LIKE SOURCES)
.
873
TABLE OF INTERNATIONAL CONVENTIONS AND MODEL LAWS
.
878
TABLE
O F
CASES
.
879
BIBLIOGRAPHY OF WORKS CITED
.
883 |
| any_adam_object | 1 |
| author2 | Basedow, Jürgen 1949-2023 Birds, John Clarke, Malcolm A. Cousy, Herman 1946- Heiss, Helmut 1963- Loacker, Leander D. 1979- |
| author2_role | edt edt edt edt edt edt |
| author2_variant | j b jb j b jb m a c ma mac h c hc h h hh l d l ld ldl |
| author_GND | (DE-588)115489681 (DE-588)170766071 (DE-588)124832369 (DE-588)171660218 (DE-588)171540816 (DE-588)1036567680 |
| author_facet | Basedow, Jürgen 1949-2023 Birds, John Clarke, Malcolm A. Cousy, Herman 1946- Heiss, Helmut 1963- Loacker, Leander D. 1979- |
| building | Verbundindex |
| bvnumber | BV043227766 |
| classification_rvk | PS 3730 PS 3820 |
| ctrlnum | (OCoLC)933712654 (DE-599)DNB1077447566 |
| dewey-full | 340 |
| dewey-hundreds | 300 - Social sciences |
| dewey-ones | 340 - Law |
| dewey-raw | 340 |
| dewey-search | 340 |
| dewey-sort | 3340 |
| dewey-tens | 340 - Law |
| discipline | Rechtswissenschaft |
| edition | 2nd expanded edition |
| format | Book |
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| genre | (DE-588)4135952-5 Quelle gnd-content |
| genre_facet | Quelle |
| id | DE-604.BV043227766 |
| illustrated | Not Illustrated |
| indexdate | 2024-08-03T02:49:45Z |
| institution | BVB |
| institution_GND | (DE-588)16177253-5 (DE-588)5129484-9 |
| isbn | 9783504080020 3504080027 |
| language | English |
| oai_aleph_id | oai:aleph.bib-bvb.de:BVB01-028650454 |
| oclc_num | 933712654 |
| open_access_boolean | |
| owner | DE-355 DE-BY-UBR DE-703 DE-188 DE-19 DE-BY-UBM DE-521 |
| owner_facet | DE-355 DE-BY-UBR DE-703 DE-188 DE-19 DE-BY-UBM DE-521 |
| physical | liv, 921 Seiten |
| publishDate | 2016 |
| publishDateSearch | 2016 |
| publishDateSort | 2016 |
| publisher | Otto Schmidt |
| record_format | marc |
| spelling | Principles of European insurance contract law (PEICL) edited by Jürgen Basedow, John Birds, Malcolm Clarke, Herman Cousy, Helmut Heiss, Leander Loacker ; prepared by the Project Group Restatement of European Insurance Contract Law PEICL 2nd expanded edition Köln Otto Schmidt [2016] © 2016 liv, 921 Seiten txt rdacontent n rdamedia nc rdacarrier Europäische Union Grundregeln des Europäischen Versicherungsvertragsrechts (DE-588)7686198-3 gnd rswk-swf Fachhochschul-/Hochschulausbildung Versicherungen, Wissenschaft und Lehre, Rechtsanwälte, Gerichte, Versicherungsjuristen (DE-588)4135952-5 Quelle gnd-content Europäische Union Grundregeln des Europäischen Versicherungsvertragsrechts (DE-588)7686198-3 u DE-604 Basedow, Jürgen 1949-2023 (DE-588)115489681 edt Birds, John (DE-588)170766071 edt Clarke, Malcolm A. (DE-588)124832369 edt Cousy, Herman 1946- (DE-588)171660218 edt Heiss, Helmut 1963- (DE-588)171540816 edt Loacker, Leander D. 1979- (DE-588)1036567680 edt Project Group Restatement of European Insurance Contract Law (DE-588)16177253-5 orm Verlag Dr. Otto Schmidt (DE-588)5129484-9 pbl Erscheint auch als Online-Ausgabe 978-3-504-38475-3 X:MVB text/html http://deposit.dnb.de/cgi-bin/dokserv?id=390f7856a3414890a1f016a09235182d&prov=M&dok_var=1&dok_ext=htm Inhaltstext DNB Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=028650454&sequence=000001&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Principles of European insurance contract law (PEICL) Europäische Union Grundregeln des Europäischen Versicherungsvertragsrechts (DE-588)7686198-3 gnd |
| subject_GND | (DE-588)7686198-3 (DE-588)4135952-5 |
| title | Principles of European insurance contract law (PEICL) |
| title_alt | PEICL |
| title_auth | Principles of European insurance contract law (PEICL) |
| title_exact_search | Principles of European insurance contract law (PEICL) |
| title_full | Principles of European insurance contract law (PEICL) edited by Jürgen Basedow, John Birds, Malcolm Clarke, Herman Cousy, Helmut Heiss, Leander Loacker ; prepared by the Project Group Restatement of European Insurance Contract Law |
| title_fullStr | Principles of European insurance contract law (PEICL) edited by Jürgen Basedow, John Birds, Malcolm Clarke, Herman Cousy, Helmut Heiss, Leander Loacker ; prepared by the Project Group Restatement of European Insurance Contract Law |
| title_full_unstemmed | Principles of European insurance contract law (PEICL) edited by Jürgen Basedow, John Birds, Malcolm Clarke, Herman Cousy, Helmut Heiss, Leander Loacker ; prepared by the Project Group Restatement of European Insurance Contract Law |
| title_short | Principles of European insurance contract law |
| title_sort | principles of european insurance contract law peicl |
| title_sub | (PEICL) |
| topic | Europäische Union Grundregeln des Europäischen Versicherungsvertragsrechts (DE-588)7686198-3 gnd |
| topic_facet | Europäische Union Grundregeln des Europäischen Versicherungsvertragsrechts Quelle |
| url | http://deposit.dnb.de/cgi-bin/dokserv?id=390f7856a3414890a1f016a09235182d&prov=M&dok_var=1&dok_ext=htm http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=028650454&sequence=000001&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |
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