The Judiciarys Law Journal

The Judiciarys Law Journal

ADJUSTING REMEDY OF DUTY OF REPRESENTATION IN INSURANCE CONTRACTS (COMPARATIVE STUDY ON IRAN AND ENGLAND LAW)

Document Type : Research/Original/Regular Article

Authors
mojtaba mohammadi 1
Mohammad Hadi javaherkalam 2
1 PhD Student in Foreign Trade and Investment Law, Faculty of Law, Shahid Beheshti University, Tehran, Iran
2 Assistant Professor, Department of Private Law, Faculty of Law and Political Science, Allameh Tabatabai University, Tehran, Iran
10.22106/jlj.2021.134850.3605
Abstract
Abstract
When concluding an insurance contract, the insured has more information comparing to the insurer. At the other side the insurer takes the risks by relying on the materials represented by the insured. Because of this lack of balance in information, it is not enough in insurance contracts that the parties not having bad faith. This specific feature is the reason to create an important duty in insurance contracts which is named “the duty of representation”. The remedy for breach of the duty of representation in Iran Insurance Law is that when the breach of the duty is unintentional the other party has the right to rescind the contract and when the breach is intentional the contract is void. The England law through case law and recently by acting England Insurance Law 2015 is intended to adjust the remedy and limit the avoidance cases; but Iran Insurance Law acted 1316 without considering the developments of insurance industry during the century, is not trying to adjust or limit the rescission and avoidance cases. In this article some approaches are suggested to the legislator and case law to limit the rescission and avoidance cases cause of breach of the duty of representation.
Keywords
utmost good faith
the duty of representation
non-disclosure
misrepresentation

Subjects

  • فارسی

    • صادقی نشاط، امیر (1391)، حقوق بیمه دریایی، چاپ دوم، تهران: انتشارات میزان.
    • کریمی، آیت (1395)، کلیات بیمه، چاپ چهارم، تهران: انتشارات پژوهشکده بیمه.
    • برادران، لیلا (1385)، «موارد انحلال قرارداد بیمه»، مجله پژوهشنامه بیمه، شماره 81.

    انگلیسی

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The Judiciarys Law Journal
Volume 86, Issue 117
Winter 2022
Pages 277-297

  • Receive Date 14 August 2020
  • Revise Date 23 June 2021
  • Accept Date 22 June 2021
  • First Publish Date 06 August 2021
  • Publish Date 21 March 2022