论最大诚信原则对海上保险人的约束

发布时间：2018-04-01 15:21

本文选题：最大诚信义务　切入点：海上保险人　出处：《大连海事大学》2011年硕士论文

【摘要】：最大诚信原则是海上保险法的最要原则之一,但一直以来,实务和理论界对于最大诚信原则的研究多集中在对投保人或被保险人的要求上,对于最大诚信原则对保险人的约束却尚未引起足够的重视。本文旨在对最大诚信原则对于保险人的约束进行系统、深入的研究,以引起学术界对这一课题的重视,提出立法建议,为保险实务界和司法界提供理论参考。本文作者认为,最大诚信原则对保险人的要求不应当仅限于合同订立阶段的提示、说明义务,而是涉及到从合同订立到履行至理赔的整个过程当中。因此本文按照海上保险合同发生的时间顺序,将正文分为三个部分。第一部分为绪论,首先阐释了最大诚信原则的词源和这一重要原则的确立过程：其次,比较了最大诚信原则与大陆法系中诚实洁用原则的区别与联系,明确了最大诚信原则的使用范围；在第一部分的最后提出了约束保险人的现实与法律依据。第二部分是本文的核心所在。首先,阐述了在合同订立过程中保险人的义务,包括告知义务与说明义务,说明义务当中又着重突出了保险人对与免责条款的说明义务。同时评价了09年新修改的《保险法》对保险人说明义务的要求。其次,在合同履行过程中和保险事故发生后的理赔过程中,都能找到保险人的最大诚信义务。以及保险人违反最大诚信意义的后果。接下来,还分析了海上保险人最大诚信原则的另一重要组成部分——弃权与禁止反言制度。并且分析了这一制度在新《保险法》中的体现。最后一部分是本文结论,在结论中评价了此次《保险法》修改对海商法的影响,以“不可争议条款“为例评述了新制度的进步性与缺陷,并提出了在新保险法出台之后海商法的修改方向。
[Abstract]:The principle of maximum good faith is one of the most important principles of marine insurance law. This paper aims to make a systematic and in-depth study on the restraint of the insurer by the principle of maximum good faith, in order to arouse the academic attention to this subject. To provide theoretical reference for the insurance practice and the judiciary. The author of this paper holds that the requirement of the principle of maximum good faith for the insurer should not be limited to the presentation of the obligation at the stage of the conclusion of the contract. It involves the whole process from the conclusion of the contract to the performance to the settlement of claims. Therefore, according to the time sequence of the marine insurance contract, the text is divided into three parts. The first part is the introduction, which first explains the etymology of the principle of maximum good faith and the establishment process of this important principle. Secondly, it compares the difference and relation between the principle of maximum good faith and the principle of honesty and cleanliness in the civil law system. At the end of the first part, the author puts forward the realistic and legal basis to restrain the insurer. The second part is the core of this paper. Firstly, it expounds the obligations of the insurer in the process of contract formation, including the obligation to inform and the obligation to explain. The obligation of explanation also highlights the obligation of the insurer to explain to the exemption clause. At the same time, it evaluates the requirements of the new revised Insurance Law of 2009 for the insurer to explain the obligation. Secondly, In the course of performing the contract and in the process of settling claims after the insurance accident, we can find the biggest bona fide obligation of the insurer and the consequences of the insurer violating the maximum good faith meaning. This paper also analyzes another important component of the principle of maximum good faith of marine insurers: waiver and estoppel, and analyzes the embodiment of this system in the new Insurance Law. The last part is the conclusion of this paper, in which the influence of the revision of the Insurance Law on Maritime Law is evaluated, and the progress and defects of the new system are discussed with the example of "indisputable Clause". And put forward in the new insurance law after the introduction of the revised direction of maritime law.
【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：D922.284

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