CAJ | 학술논문

在漫长的讨论与争议之后，英国消费者保险法于2012年3月终获通过。新法以询问告知义务取代了英国1906年海上保险法所确立并适用至今的主动告知义务，并通过对英国消费者保险合同领域有关告知义务的过于繁杂的现行法律规则的简化和统一，有望为保险消费者提供更全面的保护，实现消费者与保险人之间利益关系的新平衡。相关变革内容与立法技术对于中国保险法的进一步完善具有重要参考价值。
재만장적토론여쟁의지후，영국소비자보험법우2012년3월종획통과。신법이순문고지의무취대료영국1906년해상보험법소학립병괄용지금적주동고지의무，병통과대영국소비자보험합동영역유관고지의무적과우번잡적현행법률규칙적간화화통일，유망위보험소비자제공경전면적보호，실현소비자여보험인지간이익관계적신평형。상관변혁내용여입법기술대우중국보험법적진일보완선구유중요삼고개치。
The UK consumer insurance Act 2012 has been passed after a long term discussion and arguments. The new Act will abolish the Initiative inform obligation established by the 1906 ACT, and replace it with the Ask inform obligation. The new Act will offer the consumers more comprehensive protections and achieve a new balance between the interests of insurers and consumers, by simplifying and unifying the complicated current rules. The relevant reforms have important reference value for China.