The Theoretical Research on a Duty of an Insurer to Cover an Insured's Costs to Mitigate Losses under Marine Insurance Act 1906 in UK

英国1906年海上保险法下保险人承担被保险人减轻损失费用责任的理论研究

• 批准号: 22730098
• 负责人: NOGUCHI Yuko
• 金额: $ 1.66万
• 依托单位: Kinki University
• 依托单位国家: 日本
• 项目类别: Grant-in-Aid for Young Scientists (B)
• 财政年份: 2010
• 资助国家: 日本
• 起止时间: 2010-04-01 至 2014-03-31
• 项目状态: 已结题
• 来源: https://kaken.nii.ac.jp/grant/KAKENHI-PROJECT-22730098/
• 关键词: 商法; 保険法; 保険契約; 海上保険; 損害保険; 損害防止義務; 損害防止費用負担義務; 英国海上保険法

Japanese Insurance Law Article 23 provides that an insured shall take measures to avert losses, and further provides for an insurer to cover the costs properly and reasonably incurred by the insured for the purpose of averting losses, even if the total amount of the costs and the amount of indemnity exceed the policy limit. This study elucidates whether the provision of Article 23 prescribing that an insurer cover the costs incurred by an insured for the mitigation of losses should be deemed a mandatory provision and thereby prohibit an insurer from excluding coverage for such costs, considering a duty of an insurer to cover an insured's costs to mitigate losses under Marine Insurance Act 1906 in UK.

日本《保险法》第23条规定，被保险人应采取措施避免损失，并进一步规定，即使费用总额和赔偿金额超过保单限额，保险人仍应适当合理地赔偿被保险人为避免损失而发生的费用。根据英国《1906年海上保险法》，考虑到保险人有责任支付被保险人为减轻损失而承担的费用，这项研究阐明了第二十三条规定保险人承担承保人为减轻损失而招致的费用的规定是否应被视为强制性规定，从而禁止保险人排除承保这类费用。