title: The precautionary measures clauses in indemnity insurance contract
metadata.name: dc.contributor.author
metadata.value: Kratenko, Maxim V.
metadata.lang: -
metadata.name: dc.contributor.author
metadata.value: Luik, Olavi-Juri
metadata.lang: -
metadata.name: dc.date.accessioned
metadata.value: 2022-12-29T14:37:54Z
metadata.lang: -
metadata.name: dc.date.available
metadata.value: 2022-12-29T14:37:54Z
metadata.lang: -
metadata.name: dc.date.issued
metadata.value: 2022-09
metadata.lang: -
metadata.name: dc.identifier.citation
metadata.value: Kratenko, Maxim V., Olavi-Juri Luik. 2022. “The precautionary measures clauses in indemnity insurance contract”. Vestnik of Saint Petersburg University. Law 3: 740–758. https://doi.org/10.21638/spbu14.2022.310 (In Russian)
metadata.lang: en_GB
metadata.name: dc.identifier.other
metadata.value: https://doi.org/10.21638/spbu14.2022.310
metadata.lang: -
metadata.name: dc.identifier.uri
metadata.value: http://hdl.handle.net/11701/38775
metadata.lang: -
metadata.name: dc.description.abstract
metadata.value: Precautionary measures clauses impose on a policyholder or an insured person the obligation
  to perform certain acts or to refrain from certain activities until the occurrence of the insured
  event. Traditionally, the function of preventing negligent behavior by the policyholder is performed
  by rules on aggravation of risk or policyholder’s fault in the occurrence of the insured
  event. However, if they are ineffective, for example due to the inability to take into account
  the negligence in all cases (para 1 of Art. 963 of the RF Civil Code), the insurer is inclined to
  transfer some of the negligent acts onto the category of insurance exclusions in order not to
  pay compensation at all. As a consequence, the “all-or-nothing” principle prevails in resolving
  insurance disputes. The precautionary measures clauses, provided for in the Principles
  of European Insurance Contract Law (PEICL) and the legislation of Scandinavian countries
  (Sweden, Finland), makes it possible to reach a compromise: the insurer may consider the
  negligent behavior of the policyholder when paying compensation, but only insofar as it has
  affected the occurrence of the insured event or the amount of loss. This is more in line with
  the “proportionality rule”. In order to ensure the consumer rights, the authors propose to supplement
  insurance legislation (in particular, Chapter 48 of the RF Civil Code) with the legal
  institute of precautionary measures on the basis of the relevant rules of the PEICL.
metadata.lang: en_GB
metadata.name: dc.language.iso
metadata.value: ru
metadata.lang: en_GB
metadata.name: dc.publisher
metadata.value: St Petersburg State University
metadata.lang: en_GB
metadata.name: dc.relation.ispartofseries
metadata.value: Vestnik of St Petersburg University. Law;Volume 13; Issue 3
metadata.lang: -
metadata.name: dc.subject
metadata.value: indemnity insurance
metadata.lang: en_GB
metadata.name: dc.subject
metadata.value: loss prevention
metadata.lang: en_GB
metadata.name: dc.subject
metadata.value: moral hazard
metadata.lang: en_GB
metadata.name: dc.subject
metadata.value: precautionary measures
metadata.lang: en_GB
metadata.name: dc.subject
metadata.value: aggravation of risk
metadata.lang: en_GB
metadata.name: dc.subject
metadata.value: insurance exclusions
metadata.lang: en_GB
metadata.name: dc.title
metadata.value: The precautionary measures clauses in indemnity insurance contract
metadata.lang: en_GB
metadata.name: dc.type
metadata.value: Article
metadata.lang: en_GB
resources.filename: 09.pdf
resources.url: https://dspace.spbu.ru/bitstream/11701/38775/1/09.pdf
resources.format: Adobe PDF
resources.size: 696,7 kB