해상보험에서 영국 2015년 보험법의 시행상 문제점

Korean Supreme Court has given special position to the English law and practice in the area of marine insurance. The English governing clauses such as ‘This insurance is subject to English law and practice’ have inserted into English Hulls Clauses and Cargo Clauses, Korean Supreme Court has recognized the effectiveness of the English governing clauses. Korean scholars account for the reason why Korean Supreme Court has applied English law and practice in the matters of marine insurance as follows. The value of the ship and cargo as the subject of marine insurance usually is very high(the value of newly constructed container ships or LPG carrying tankers is at least 100 or 200 billion won), and so the exquisite practice and abundant cases law are required to regulate legal matters surrounding the contracting parties of marine insurance. English law and practice which have been globally applied is regarded as the sole source of law, because England had ruled all over the sea since 1800. Accordingly English revision of law in the area of marine insurance has the enormous impact on Korean marine insurance practice. The English legal system has taken case law doctrine compared to statutory system in continental legal system. The sole statute in the ares of insurance had been the Marine Insurance Act 1906, it has been applied not only in the area of marine insurance but also in other areas of insurance. But it has passed 100 years since the Marine Insurance Act 1906 was codified, and it was too far out-dated, and so global scholars and practitioners had maintained its revision. Finally English parliament codified the English Insurance Act 2015, and it was enforced from August 12, 2016. The English Insurance Act 2015 provides the matters regarding the duty of fair presentation, warranties, terms not relevant to the actual loss, fraudulent claims, late payment of claims which was inserted by the Enterprise Act 2016. The English Insurance Act 2015 provides core matters of insurance, its regulatory breadth is very wide, and certain provisions are unsettled until English Supreme Court’s final decision. The research of the English Insurance Act 2015 in the area of marine insurance is required, and the deep study of Korean scholars is expected.