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ID:454608
大小:62.50 KB
页数:9页
时间:2017-08-04
《回顾欧洲保险法的原则【外文翻译】》由会员上传分享,免费在线阅读,更多相关内容在学术论文-天天文库。
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
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