• 방재와보험
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• s.46
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• pp.73-75
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• 1990

화재로 인한 인명 및 재산상의 손실을 예방하고 신속한 재해복구와 인명피해에 대한 적정한 보상을 하게 함으로써 국민생활의 안정에 기여하게 함을 목적으로 1973년 2월 6일 법률 제 2482호로 공포된 "화재로 인한 재해보상과 보험가입에 관한 법률"에 의거 서울특별시, 5개직할시 및 전주시에 소재한 특수건물(4층 이상건물, 국유건물, 교육시설, 백화점, 시장, 의료시설, 흥행장, 숙박업소, 송장, 송동주택 등) 소유자는 "신체손해배생 특약부 화재보험" 에 의무적으로 가입토록 되어있다. 이밖에도 국가저액적으로 또는 국민 복지증진을 위하여 많은 종류의 의무보험을 실시하고 있으며, 특히 위 법률과 유사한 사례로 국내에는 "항공운송 사업진흥법" (제7조), "산림법" (제113조)에 보험가입에 대한 의무규정이 있다. 일본 동경해상화재보험(주)에서 발간한 "손해보험과 시장"과 영국에서 발간한 "Handbook of risk management"에 의하면 거의 대부분의 국가에서 책임보험등 의무보험제도를 실시하고있으며, 특히 스위스, 서독, 벨기에, 아이슬란드, 브라질에서는 특수건물 화재보험과 유사하게 건물에 대한 의무보험제도를 실시하고 있는데 이들 국가중 스위스에서는 이미 180여년전부터 26개 주 중 19개 주에서 모든 건물에 대하여 화재보험 가입을 의무화하고 있으며, 그 수용동산까지도 화재보험에 부부토록 강제화되어 있는 주도 있다. 한편 서독에서도 오래전부터 건물의 화재보험 가입을 의무화하고 있는 주가 많으며, 의무화를 실히하고 있지 않은 주도 보험가입은 임의적이나 가입시에는 반드시 주가 지정한 공영건물보험기관에 가입토록 하는 독접형태로 운영되고 있다. 따라서 외국의 의무보험 실태를 보다 구체적으로 파악해 보기 위하여 스위스 바젤주(Basel- Stadt- Kantons)의 건물보험법을 소개하고자 한다.

• THE INTERNATIONAL COMMERCE & LAW REVIEW
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• v.69
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• pp.407-426
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• 2016

The Marine Insurance Act 1906 (MIA 1906) has been a successful piece of legislation, having rarely been amended and having established, or served as an influence in the development of, the basis of marine insurance legislation in several countries. However, it has been recognised that some parts of the MIA 1906 have begun to show their antiquated nature, especially where established principles which were once thought to reflect undoubted propositions of law are now being openly criticised. Since 2006, the Law Commission and Scottish Law Commission (the 'Law Commissions') have been engaged in a major review of insurance contract law, finally leading to the Insurance Act 2015. The Insurance Act 2015 received Royal Assent on 12 February 2015, and was based primarily on the joint recommendations of the Law Commissions. The 2015 Act made substantial changes to several main areas of marine insurance law & practice: (i) the replacement of the pre-contractual duty of disclosure with a duty to make a "fair presentation of the risk"; (ii) the abolition of the "insurance warranty" under the Marine Insurance Act 1906, s.33, and provision of a new default remedy of suspension of liability until the breach is cured; (iii) partial codification of the fraudulent claims rule in insurance contract law, etc. The Act did not provide for any new statutory duty for insurers to investigate or pay claims in a timely fashion, although this may be revisited in the next Parliament. Moreover, the Law Commissions have reopened their consideration of the doctrine of insurable interest. The 2015Actmay not then signal the end of the legislative programme in this area.

• Journal of the Korean Institute of Navigation
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• v.7 no.1
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• pp.83-103
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• 1983

The duty of disclosure it is a preliminary requirement to effect marine insurance contract between the assured and the underwriter. The contract of Marine Insurance is called a uberrimae fidei contract, the assured, therefore, in the law of marine insurance, shall communicate a material circumstances to the latter before the policy to be effected. As growing the maritime industries in Korea, there is forming a larger marine insurance market, accordingly, and having a wide relation with the practice of the marine insurance in England. It means that the most of the legal theories of the marine insurance would be adopted by the English Marine Insurance Case Law and M.I.A., 1906. From the viewpoint of the said this author has tried out to study what is the duty of disclosure of the marine insurance based upon the English Marine Case Law.

• THE INTERNATIONAL COMMERCE & LAW REVIEW
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• v.21
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• pp.41-54
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• 2003

The MIA 1906 is a very important rule for the practitioner in Korea since it is often selected as the governing law under the contract of cargo insurance. And we are using both the S.G policy and the new MAR policy. The new MAR policy has the basically different form of cover compared with the S.G policy. So we are a little confused whether some risks are covered or not under the selected clauses. The author considers which risks are covered or not under the specific clauses and compares the Institute cargo clauses with the MIA 1906.

• Korea Trade Review
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• v.45 no.3
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• pp.133-146
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• 2020

In the UK's the insurance law 2015, a remedy for breach of warranty in marine insurance was introduced. Also, if the insured proves that breach of warranty in marine insurance does not affect damages, the insurer pays the insurance money to the insured. The UK's marine insurance law has served as the governing law that has been the standard for the marine insurance industry for a long time. Korea and China were heavily influenced by the UK maritime insurance law. Therefore, this study analyzed the cases of breach of warranty in marine insurance in Korea and China. Through this, the insurer avoid the insurance contract for an accident that occurred after the breach of warranty. this result will be different under the new revised insurance law system. With the revision to The Insurance Act 2015, one of the biggest change in the insurance system is that it is possible to remedy of the violations of warranty. However, such a revision of the law requires considerable attention as it also changes the interpretation and judgment of the courts. Accordingly, a practical response of the insurance industry is required. It is necessary to prepare for possible disputes in practice.

• THE INTERNATIONAL COMMERCE & LAW REVIEW
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• v.43
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• pp.239-273
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• 2009

Marine insurance contracts, which intended to provide indemnity against marine risks upon the payment of a premium, originated in Northern Italy in the late 12th and early 13th centuries. The law and practice of Italian merchants were later introduced into England through Lombard merchants. It is, therefore, quite exact that English and Continental marine insurance law have common root. Nevertheless, some significant divergences between English and Continental marine insurance systems occurred since the late 17th century, mainly due to different approaches adopted by English courts. The rule of warranty in English marine insurance was established in the second part of the 18th century by Lord Mansfield, who laid the foundations of the modern English law of marine insurance and developed different approaches, especially in the field of warranty in marine insurance law. Since the age of Lord Mansfield, English marine insurance law has developed a unique rule on warranty. Bearing in mind the realities of the 18th century, it could easily be understood why Lord Mansfield afforded such a strict legal character to marine warranties. At that time, the 'promise' given by the assured, played an important role for the insurer to assess the scope of the risk. Legal environments, however, have changed dramatically since the times of Lord Mansfield. Of course, it is still important that the assured keep his promises to the insurer under the insurance contract, which is based upon utmost good faith. Nevertheless, the remedy of automatic discharge from liability, regardless of existence of a casual link between the breach and loss seems harsh in the realities of the 21st century. After examining the warranty regime adopted by the German and Norwegian hull clauses, it is fair to say that they provide a more equitable approaches for the assured than does English law. Therefore, this article suggests that English warranty regime needs overall reform and it is time to reform.

• THE INTERNATIONAL COMMERCE & LAW REVIEW
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• v.33
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• pp.191-219
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• 2007

Section 39(5) of Marine Insurance Act 1906 concerns the case where with the privity of the assured, the ship is sent to sea in an unseaworthy state. The underwriters argue that the assured had"blind-eye knowledge" of the particular respect in which the ship was unseaworthy. Blind-eye knowledge requires a conscious reason for blinding the eye. There must be at least a suspicion of a truth about which one do not want to know and which one refuse to investigate. What has caused greater difficulty is the broad provision in s.17 which appears to be unlimited in its scope. The expression "utmost good faith" appears to derive from the idea of uberrimae fidei, words which indeed appear in the sidenote. The concept of uberrima fides does not appear to have derived from civil law and it has been regarded as unnecessary in civilian systems. S.17 raises many questions. But only two of them are critical to the decision of the present appeal-the fraudulent claim question and the litigation question. It is however necessary to discuss them in the context of a consideration of the problematic character of s.17. In the Star Sea Case, for the defendants to succeed in their defence under this part of the case the defendants have to show that claim was made fraudulently. They have failed to obtain a finding of fraud. It is not enough that until part of the way through the trial the owners failed to disclose to the defendants would have wished to see in order to provide them with some, albeit inadequate, evidential support for their alleged defence under s.39(5). The defence under s.17 fails. The Purpose of this work is to analyze the Star Sea Case, and to explore problems of the MIA relating to the judgement of this case.

• Proceedings of the Korea Water Resources Association Conference
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• 2018.05a
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• pp.175-175
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• 2018

우리나라에서 발생하는 대규모 자연재해의 상당부분은 강우에 의한 홍수피해이다. 최근 이러한 홍수피해는 기후변화와 더불어 극한강우 현상의 빈발에 의한 새로운 재해양상으로 전개되고 있으며, 이에 따라 정부에서도 재해발생시 원상복구의 개념이 아닌 항구복구의 개념으로 복구사업을 수행하고 있다. 그러나 설계에 기후변화에 대한 영향을 반영하고 있지 못하기 때문에 기후변화에 의하여 미래에 발생할 극한강우로 반복적인 피해가 예상되고 있으므로 기존의 방재성능목표 강우량의 설정 방법에 대한 개선이 필요하다. 전 세계적으로 이러한 기후변화에 의한 현상을 모의하기 위한 연구로 전지구기후모델(Global Climate Model, 이하 GCM)과 지역기후모델(Reginal Climate Model, 이하 RCM)을 사용하고 있다.우리나라 기상청에서도 CMIP5 국제사업의 표준 실험체계를 통해 전지구 기후변화 시나리오 산출을 위해서 영국 기상청 해들리센터의 GCM인 HadGEM2-AO를 도입하였다. 또한 한반도 기후변화 시나리오를 산출하기 위해 HadGEM3-RA 모형을 이용하여 전지구 기후변화 시나리오를 역학적으로 상세화하고 이를 한반도에 대해 12.5km 공간 해상도로 일 자료를 제공하고 있다. 하지만 유역규모 혹은 지점규모에서 사용하기 위해서는 이러한 일자료의 시 공간적인 상세화기법이 요구된다. 본 연구에서는 기후변화를 고려한 방재성능목표 강우량 개선 방향을 제안하기 위해 다양한 연구단에서 도출된 상세화 결과를 수집하고 비교분석을 통해 기후변화를 고려하고자 하였다. 다양한 연구기관에서 생산된 미래 확률 전망을 살펴본 결과, 동일한 GCM자료를 사용하더라도 상세화 방법론에 따라 서로 다른 결과가 도출되는 것을 확인하였다. 미래 예측의 불확실성을 고려하면 특정한 방법론이 우수하다고 평가하기는 어려움에 따라 앙상블 평균을 활용한 개선방향을 제안한다. 본 연구의 결과는 전국 지자체의 강우특성만을 고려한 것으로, 연안지역의 경우 해수면 상승을 고려하여 추가적인 대책이 필요할 것으로 판단된다.

• Korea Trade Review
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• v.44 no.2
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• pp.83-94
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• 2019

Article 17 of the Marine Insurance Act (MIA) states that "A contract of marine insurance is a contract based upon the utmost good faith, and if the utmost good faith be not observed by either party, the contract may be avoided by the other party." In the Carter v. Boehm case, Lord Mansfield was the first to provide a comprehensive description of the duty of utmost good faith, which is analyzed here. This judgement not only laid the foundation for the Modern English Insurance Act, but it also influenced the draft of the English Insurance Act of 2015, which aimed at correcting distortions that occurred during the application of statue law and common law thereafter. The duty of utmost good faith, applied between Lord Mansfield's insured and insurer presents the context of information asymmetry of the insured and insurer entering contracts. In the absence of information asymmetry, in contrast to the effects of being in both sides of the duty of utmost good faith, alleviating the duty of disclosure of the insured, and it is also clear that the warning of the severity of the retrospective avoidance of the breach of duty of disclosure and the need for its limited application have already been pointed out. Furthermore, considering the principle of retrospective avoidance, the duty of utmost good faith should be understood as a concept limited to the duty of disclosure before a contract is concluded

• Journal of the Korean Society of Marine Environment & Safety
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• v.26 no.4
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• pp.366-373
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• 2020

According to Article 77 of the Ship Safety Act and Article 97(2) of the Enforcement Ordinance of the Ministry, the Recognized Organization (RO) personnel (ship surveyors) responsible for statutory survey shall have educational qualifications and experience in a specific field or obtain a license under the National Technical Qualifications Act. However, graduates from maritime high schools and those who completed the short-term course of the Ocean Polytec did not satisfy the qualification standards for the RO personnel since they did not graduate from the departments of maritime/fisheries or shipbuilding. Major shipping countries such as the United Kingdom, the United States, and Canada use the IACS (International Association of Classification Societies) regulations, and the Ship Safety Act in Japan has eliminated the qualification requirements for ship surveyors. In particular, under the IMO (International Maritime Organization) and IACS regulations, the RO personnel shall have as a minimum the following formal educational background: a degree or equivalent qualification from a tertiary institution recognized within a relevant field of engineering or physical science (minimum two years' program); or a relevant qualification from a marine or nautical institution and relevant sea-going experience as a certified ship officer; and competency in the English language commensurate with their future work. Considering that Article 17 of the Enforcement Decree on Public Officials Appointment Examinations prohibits educational restrictions and there are no educational restrictions on the qualifications of British and Japanese surveyors, if the maritime high school graduates have sufficient sea-going experience, education, and training, they could be recognized as meeting the qualification requirements. Moreover, those who completed the short-term course of the Ocean Polytec could also be recognized as meeting the qualification requirements because they are required to have at least a professional bachelor's degree (in the case of a third-class CoC (Certificate of Competancy)) and some sea-going experience after completion.