《2015年英国保险法》第一案的弃权规则及其启示

The doctrine of waiver in the first case of Insurance Act 2015 and its implication

2019年4月3日苏格兰最高民事法院外庭作出的判决被称为“《2015年英国保险法》第一案”。在该案中,法院对《2015年英国保险法》下合理陈述义务中的保险人弃权规则进行了详细论证,进一步发展了英国保险法中的保险人弃权规则。值此《中华人民共和国海商法》修订之际,建议参考相关英国法规则在被保险人告知义务中明确保险人弃权的标准,确立更加完善的保险人弃权规则。

The judgment rendered by Outer House of the Court of Session in Scotland on 3rd April 2019 was known as“the First Case”after the adoption of the UK Insurance Act 2015.In this case,the court expounded the waiver of insurers in the performance of the insured’s duty of fair representation,further developing the doctrine of waiver of insurers under English law.In the process of the revision of the Chinese Maritime Code,it is suggested to codify the standards of insurer’s waiver in provision of the duty of disclosure and to improve the rule of waiver of insurers by reference to relevant English rules.