通过保险经纪渠道订立的保险合同的特殊性探讨——评一个公众责任保险案例

投保人通过保险经纪人向保险公司投保,保险方案由保险经纪人制作,甚至保险条款也由其提供。在保险合同的订立过程中,保险经纪人是投保人的代理人。其对包括免责条款在内的全部保险条款具有充分的选择权、协商权甚至定价权,这类保险条款不存在信息不对称,不应当被认定为格式条款。格式条款的所有法律规则,包括免责条款的明确说明义务、争议条款的不利解释原则等对这类保险合同都不适用。

When an insurance applicant enters into an insurance contract with an insurer through an insurance broker, it is possible that the insurance plans or even the contract clauses are provided by the insurance broker, who is probably the agent of the insurance applicant. The insurance broker has ade- quate right to choose, negotiate or bargain. So, such kind of insurance contract clauses are not standard clauses. Those particular rules for standard causes such as express explanation duty, disadvantage inter- pretation do not applies to them.