英国《2015年保险法》的修改对保险合同中最大诚信原则的变革

The Doctrine of Utmost Good Faith Under the UK Insurance Act 2015

最大诚信原则作为保险法最重要的原则之一,要求保险合同的双方当事人以最大限度的诚实守信精神如实地向对方履行告知义务,不得隐瞒或误报。自18世纪发展至今,最大诚信原则经历了不断的变化和挑战。2015年2月,英国2015年保险法在议会获得通过,该部法律的出台被视为英国保险法近一百年来最重大的一次变革。本文将对新法在合理告知义务的履行以及违反该义务时救济方式的重大修改之处进行解读,并结合我国现行保险合同的规定,简要提出英国2015年保险法对我国保险法的借鉴意义。

As one of the most important principles in insurance law,the doctrine of utmost good faith requires the parties to disclose material facts related to the risk and to abstain from misrepresentation. As time passed by,the doctrine was questioned and challenged by judges,commentators and law reform bodies. In February of 2015,UK Parliament passed the Insurance Act 2015,which introduces the most significant reform to English insurance law for the last 100 years. The purpose of this article is therefore to examine the main changes of the 2015 Act,including the duty of fair presentation and the remedies in failure to disclose. This paper will also examine the relevant Chinese＇s insurance law and attempt to draw a conclusion as to what we could learn from the 2015 Insurance Act.