insurable interest principle * 13SFB BFX Swisher 115

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2 legal interest test factual expectation test H. R See The Law Commission and The Scottish Law Commission, Insurance Contract Law: Post Contract Duties and Other Issues, 2011, p See C Brown, Insurance Law in Canada, Ontario: Carswell, 2008, p See D. Campbell, International Insurance Law and Regulation, New York: Oceana Publications, 1994, p Carlill v. Carbolic Smoke Ball Company [1893] 1 QB See Jacob Loshin, Insurance Law s Hapless Busybody: A Case Against The Insurable Interest Requirement, 117 Yale L.J. 474 (2007) Vgl.Ruffer/Halbach/Schimikowski,Versicherungsvertragsgesetz Handkommentar, 2 Aufl, München, C.H.Beck Verlag, 2011, l50, S.698, Rn. l. 13 Lucena v.craufurd (1806)2 Bos & PNR

3 Kosmopoulos De Casaregis Benecke Ehrenberg See The (Ireland)Law Reform Commission, Insurance Contracts Consulation Paper, 2011, p See The (Ireland)Law Reform Commission, Insurance Contracts Consulation Paper, 2011, pp [ ] H. R Constitution Insurance Company of Canada v. Kosmopoulos (1987) 34 DLR (4th) See Havenga, Liberalising the Requirement of an Insurable Interest in Insurance, 18 SA Merc.L.J.259(2006). 19 See The Law Commission and The Scottish Law Commission, Insurance Contract Law: Post Contract Duties and Other Issues, 2011, pp See D. Campbell, International Insurance Law and Regulation, New York: Oceana Publications, 1994, p

4 S a LC & SC S.1 null and void 1845 S S.1(1) 2005 S S.16 1 S See Malcom A.Clarke, The Law of Insurance Contracts, London: Informa Law, 2006, pp See The Law Commission and The Scottish Law Commission, Insurance Contract Law: Post Contract Duties and Other Issues, 2011, pp , See The (Ireland)Law Reform Commission, Insurance Contracts Consulation Paper, 2011, pp.43-45; [ ] H. R

5 % 50% 20% See The Law Commission and The Scottish Law Commission, Insurance Contract Law: Post Contract Duties and Other Issues, 2011, p See Jacob Loshin, Insurance Law s Hapless Busybody: A Case Against The Insurable Interest Requirement, 117 Yale L.J. 474 (2007). 30 See Peter Nash Swisher, The Insurable Interest Requirement for Life Insurance: A Critical Reassessment, 53 Drake L. Rev. 477 (2005). 31 See Jacob Loshin, Insurance Law s Hapless Busybody: A Case Against The Insurable Interest Requirement, 117 Yale L.J. 474 (2007). 119

6 20 20% % % Feasey v. Sun Life Assurance Co of Canada [2003] EWCA Civ See Robert E. Scott & George G. Triantis, Embedded Options and the Case against Compensation in Contract Law, 104 Colum. L. Rev (2004). 34 See Franklin L. Best, Jr., Defining Insurable Interests in Lives, 22 Tort & Ins. L.J.104 (1986). 35 See Jacob Loshin, Insurance Law s Hapless Busybody: A Case Against The Insurable Interest Requirement, 117 Yale L.J. 474 (2007). 36 See Roger C. Henderson, The Tort of Bad Faith in First-Party Insurance Transactions: Refining the Standard of Culpability and Reformulating the Remedies by Statute, 26 U. Mich. J.L.1(1992). 37 See J.C. Parker, Does Lack of An Insurable Interest Preclude An Insurance Agent from Taking An Absolute Assignment of His Client s Life Policy? 31 U. Richmond L.Rev.71(1997). 38 See Bertram Harnett, John V. Thornton, Insurable Interest in Property: A Socio-Economic Reevaluation of a Legal Concept, 48 Colum. L. Rev (1948). 120

7 PEICL 1: Patterson See The Law Commission and The Scottish Law Commission, Insurance Contract Law: Post Contract Duties and Other Issues, 2011, pp See Australian Law Reform Commission(ALRC), Report No 20, 1982, p See Nicholas Leigh-Jones, John Birds and David Owen, MacGillivray on Insurance Law, London: Sweet & Maxwell, 2008, pp See Project Group Restatement of European Insurance Contract Law, The Principles of European Insurance Contract Law(PEICL), Munich: European Law Publ, 2009, p See Edwin W. Patterson, Insurable Interest In Life, 18 Colum. L. Rev. 381 (1918). 44 See The (Ireland)Law Reform Commission, Insurance Contracts Consulation Paper, 2011, pp

9 See Bertram Harnett, John V. Thornton, Insurable Interest in Property: A Socio-Economic Reevaluation of a Legal Concept, 48 Colum. L. Rev (1948) (2009)

10 See The Law Commission and The Scottish Law Commission, Insurance Contract Law: Post Contract Duties and Other Issues, 2011, pp , See Bertram Harnett, John V. Thornton, Insurable Interest in Property: A Socio-Economic Reevaluation of a Legal Concept, 48 Colum. L. Rev (1948). 55 Vgl. Beckmann/Matusche-Beckmann, Versicherungsrecht-Handbuch, 2 Aufl, München, C.H.Beck Verlag, 2008, 25, S.103, Rn H. R

11 Jehring, Der Zweck im Recht, Leipzig,1839, p.455, Edwin W. Patterson, Insurable Interest in Life, 18 Colum. L. Rev. 381 (1918). 59 (2010) soft paternalism hard paternalism, See Thaddeus Mason Pope, Counting the Dragons Teeth and Claws: The Definition of Hard Paternalism, 20 Geo. S.U.L.Rev.659 (2004). 125

12 insurer insured 61 See The Law Commission and The Scottish Law Commission, Insurance Contract Law Issue Paper 4: Insurable Interest, 2008, p

13 insured insured insured the insured must have insurable interest insured the insured the insured H. R

保險原理及實務考試之研習資料手冊 ( 2013 年版 )

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