英国消费者保险法变革透视

Insight into the Reforms of the UK Consumer Insurance Act

在漫长的讨论与争议之后,英国消费者保险法于2012年3月终获通过。新法以询问告知义务取代了英国1906年海上保险法所确立并适用至今的主动告知义务,并通过对英国消费者保险合同领域有关告知义务的过于繁杂的现行法律规则的简化和统一,有望为保险消费者提供更全面的保护,实现消费者与保险人之间利益关系的新平衡。相关变革内容与立法技术对于中国保险法的进一步完善具有重要参考价值。

The UK consumer insurance Act 2012 has been passed after a long term discussion and arguments. The new Act will abolish the Initiative inform obligation established by the 1906 ACT, and replace it with the Ask inform obligation. The new Act will offer the consumers more comprehensive protections and achieve a new balance between the interests of insurers and consumers, by simplifying and unifying the complicated current rules. The relevant reforms have important reference value for China.