回顾欧洲保险法的原则【外文翻译】

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1、外文翻译原文ReviewofPrinciplesofEuropeanInsuranceLawMaterialSource:ERAForum(2008)9:S167–S175Author:PeterHenCliff1.IntroductionIndiscussingthefirstdraftofthePEICL(dated17December2007)IwillbecommentingfromtheperspectiveofanOmbudsmanfromtheUnitedKingdom.Thismeansthatmyinitialviewpointisprimarilyde

2、rivedfromconsideringPEICLasanalternativetoEnglishorScottishlawinpoliciesthatareofferedtoconsumersandtosmallandmediumsizedenterprises(SME)marketplaces.However,IalsohopetocommentonsomeotherfeaturesandaspectsbasedonmyexperienceofcommercialinsuranceandotherEUjurisdictions.Thedraftgivesrisetoa

3、greatmanyquestionsandcommentsanditistemptingtomerelyworkthroughthevariousarticlesofthePEICLandtoraiseconcernsormakefurthersuggestions.However,giventhelimitedtimeandtheneedforcontributionstobemadefromagreatmanyperspectives,Ihaveendeavoredtoconcentrateoncertainofthemoresignificantissuesthat

4、thedrafthasraisedinmymind.Ihavetriedtogrouptheseunderthreeheadings:(1)WhatisnotcoveredinPEICLthatmighthavebeen.(2)ConcernsandquestionsabouthowPEICLcouldworkinpractice.(3)IssuesthatmightaffecttheadoptionofPEICLin(a)thecommercial/SMEmarketand(b)theconsumermarketbyconsumers,insurersandinterm

5、ediaries2.WhatisnotcoveredinthePEICL?IwouldliketoraiseafewissuesthatmighthavebeenaddressedinthecourseofdevelopingthecontentandconsideringtheeffectofthePEICL.Itremainspossiblethatsomeoftheseissuesmightusefullybeaddressedinthenextdraft:2.1Fitnessforpurpose/Legitimateexpectation/Impliedterms

6、WhatismissingfromthepresentlawintheUKinrelationtoinsuranceandfromthePEICLisanyrealconceptthatthereareessentialelementstoinsurancecontractsthatconsumersorSMEcanrelyuponorsafelyassumewillbeinthecontractwhenbuyingacertaintypeofpolicy.Ihavelinkedtogethersomedifferentlegalconceptsinmyheadingas

7、theyareallcapableofprovidingsomereassuranceorsupportforconsumersandtounsophisticatedSMEpurchasers.Inthecommercialmarketplace,includingthoseSMEwhohaveaccesstoadvicefrominsurancebrokers,thebuyercanbeexpectedtounderstand,eitherindetailorinbroadtermstheextentofthecovert