1 2 insurable interest principle * 13SFB3028 15BFX176 1 2002 58-59 2 Swisher 115
3 4 18 1745 5 6 7 1995 11 8 9 10 11 12 1. 1745 legal interest test factual expectation test 13 3 2009 83 4 H. R. 2009 101 5 See The Law Commission and The Scottish Law Commission, Insurance Contract Law: Post Contract Duties and Other Issues, 2011, p.104. 6 See C Brown, Insurance Law in Canada, Ontario: Carswell, 2008, p.84. 7 See D. Campbell, International Insurance Law and Regulation, New York: Oceana Publications, 1994, p.325. 8 Carlill v. Carbolic Smoke Ball Company [1893] 1 QB 256. 9 See Jacob Loshin, Insurance Law s Hapless Busybody: A Case Against The Insurable Interest Requirement, 117 Yale L.J. 474 (2007). 10 2004 58 11 12 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 269. 116
14 15 16 Kosmopoulos 17 18 19 20 21 22 De Casaregis 1719 1805 Benecke Ehrenberg 20 23 14 See The (Ireland)Law Reform Commission, Insurance Contracts Consulation Paper, 2011, p.34. 15 See The (Ireland)Law Reform Commission, Insurance Contracts Consulation Paper, 2011, pp.31-35. 16 [ ] H. R. 2009 119 17 Constitution Insurance Company of Canada v. Kosmopoulos (1987) 34 DLR (4th) 208. 18 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.114-116. 20 See D. Campbell, International Insurance Law and Regulation, New York: Oceana Publications, 1994, p.325. 21 2009 80 22 2002 60-61 23 2002 60-61 117
S.3205 1 a 24 1984 LC & SC 25 2. 1774 S.1 null and void 1845 S.18 1909 S.1(1) 2005 S.335 1984 S.16 1 S.17 1995 26 80 17 3. 27 24 See Malcom A.Clarke, The Law of Insurance Contracts, London: Informa Law, 2006, pp.3-6. 25 See The Law Commission and The Scottish Law Commission, Insurance Contract Law: Post Contract Duties and Other Issues, 2011, pp.117-118,147-150. 26 See The (Ireland)Law Reform Commission, Insurance Contracts Consulation Paper, 2011, pp.43-45; [ ] H. R. 2009 106 27 2012 5 118
28 29 30 31 100% 50% 20% 100 28 See The Law Commission and The Scottish Law Commission, Insurance Contract Law: Post Contract Duties and Other Issues, 2011, p.108. 29 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
20 20% 100 10 20% 100 50% 32 33 34 35 36 37 38 32 Feasey v. Sun Life Assurance Co of Canada [2003] EWCA Civ 885. 33 See Robert E. Scott & George G. Triantis, Embedded Options and the Case against Compensation in Contract Law, 104 Colum. L. Rev. 1428 (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. 1162 (1948). 120
39 40 41 PEICL 1:201 42 Patterson 43 44 39 See The Law Commission and The Scottish Law Commission, Insurance Contract Law: Post Contract Duties and Other Issues, 2011, pp.144-145. 40 See Australian Law Reform Commission(ALRC), Report No 20, 1982, p.71. 41 See Nicholas Leigh-Jones, John Birds and David Owen, MacGillivray on Insurance Law, London: Sweet & Maxwell, 2008, pp.3-5. 42 See Project Group Restatement of European Insurance Contract Law, The Principles of European Insurance Contract Law(PEICL), Munich: European Law Publ, 2009, p.210. 43 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.56-61. 121
45 12 6 46 2003 12 45 2000 12 46 2000 127 2004 726 122
47 48 49 50 51 22 8 4 52 47 See Bertram Harnett, John V. Thornton, Insurable Interest in Property: A Socio-Economic Reevaluation of a Legal Concept, 48 Colum. L. Rev. 1162 (1948). 48 2003 1343 49 2005 3 50 2013 2 51 2005 3 52 (2009) 09281 123
53 54 55 56 31 34 2009 57 53 See The Law Commission and The Scottish Law Commission, Insurance Contract Law: Post Contract Duties and Other Issues, 2011, pp.117-118,147-150. 54 See Bertram Harnett, John V. Thornton, Insurable Interest in Property: A Socio-Economic Reevaluation of a Legal Concept, 48 Colum. L. Rev. 1162 (1948). 55 Vgl. Beckmann/Matusche-Beckmann, Versicherungsrecht-Handbuch, 2 Aufl, München, C.H.Beck Verlag, 2008, 25, S.103, Rn. 40. 56 H. R. 2009 106 57 2010 2 124
58 131 6 1 1 4 3 1 59 3 60 39 2 58 Jehring, Der Zweck im Recht, Leipzig,1839, p.455, Edwin W. Patterson, Insurable Interest in Life, 18 Colum. L. Rev. 381 (1918). 59 (2010) 450 2010 216 2000 134 2001 60 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
193 1 10 9 61 62 63 31 64 insurer insured 61 See The Law Commission and The Scottish Law Commission, Insurance Contract Law Issue Paper 4: Insurable Interest, 2008, p.55. 62 1998 68 63 2004 78 64 12 33 53 2006 4 126
insured insured insured the insured must have insurable interest 65 66 insured the insured the insured 67 68 65 2001 122-123 66 H. R. 2009 145 67 2010 2 68 2007 69 127