영국 보험법 상 보험자가 부담하는 (최대)선의의무의 적용범위에 관한 연구-2015년 보험법의 영향을 중심으로 = A Study on the Scope of Insurer’s Duty of (Utmost) Good Faith in English Insurance LawFocused on the Impacts of the Insurance Act 2015

다국어 초록 (Multilingual Abstract)

It is commonly recognised in English insurance law that the duty of utmost good faith is reciprocal and the duty of the parties do not come to an end even after an insurance contract is concluded. It is true that the duty is less exacting after the conclusion of contract. This article in intended to analyze the scope of insurer’s duty on good faith and the impacts of the Insurance Act 2015 on the scope. The results are as followings. First, English court, by drawing an analogy with the assured’s pre-contractual duty of good faith, needed to engage in judicial lawmaking in order to define the degree of materiality required to define the standard of the assured’s pre-contractual duty of good faith. It is difficult to acknowledge the reason that such an standard, adopted by existing case law, would be removed since the enactment of the Insurance Act 2015.
Secondly, it is true that the duty of good faith is less exacting after the conclusion of contract, but it is needed to act more positively to observe the duty of good faith in specific instances at the post-contractual stage. Therefore, insurer in required to act in good faith in investigating, handling and settling claims, and the defence against the third party under libility insurance.
Finally, it is possible to argue that there is no room for any separate concept of utmost good faith to be adopted for the interpretation of insurance contract, since the concept of food faith has recently been adopted for the interpretation of general commercial contracts in recent cases.

국문 초록 (Abstract)

영국 보험법 상 최대선의의무는 보험계약의 근간을 제공하는 것으로서, 상호성 및 지속성을 갖는 의무이다. 2015년 보험법 상 보험계약자가 부담하는 최대선의의무에 관한 법원칙은 상당히 명확하게 규정된 반면, 상호적인 성격을 갖는 의무로서 보험자가 부담하는 최대선의의무에 관한 법원칙은 여전히 불확실한 상태로 남게 되었다. 따라서 이 논문은 보험자가 부담하는 최대선의의무의 적용범위 및 2015년 보험법의 영향을 분석하는데 그 목적을 두고 있다.

참고문헌 (Reference)

• 1 신건훈, "영국 해상보험법의 주요 개혁동향 - 보험자의 계약체결 후 최대선의의무를 중심으로-" 한국무역보험학회 12 (12): 41-74, 2011
• 2 Richard, A., "The post-contract duty of good faith in insurance contracts : is there a problem that needs a solution?" 5 : 2010
• 3 Hemsworth, Margaret C., "The fate of ‘good faith’ in insurance contracts"
• 4 Hancock, C., "The Modern Law of Marine Insurance, vol. 4" Informa 2016
• 5 Soyer, B., "The Insurance Act 2015-A New Regime for Commercial and Marine Insurance Law" Informa 2017
• 6 Foxton, D., "Marine Insurance : The Law in Transition" Informa 2007
• 7 Ashton, R., "Keeping the Faith-Good Faith in Insurance and the Emergence of General Contractual Good Faith" 22 : 81-, 2011
• 8 Law Commission and Scottish Law Commission, "Insurance Contract Law: Business Disclosure; Warranties: Insured’s Remedies for Fraudulent Claims; and Late Payment" (353) : 7-, 2014
• 9 Lewis, K., "Going Walkabout with Australian insurance law: the Australian experience of reforming utmost good faith"
• 10 신건훈, "2015년 영국 보험법상 공정표시의무에 관한연구" 한국무역상무학회 72 : 57-80, 2016