摘要
"零时生效条款"是否为格式条款关系到现行法上的格式条款控制规则能否适用,对投保人或被保险人的利益影响甚大。保险人在确定"零时生效条款"时未赋予投保人真正的决定自由,系保险人单方意志的体现,并非个别磋商条款。虽然保险责任的开始时间是保险合同必不可少的内容,但与该内容的确定方式并无关联,其与"零时生效条款"作为格式条款的法律属性并无冲突。再者"零时生效条款"符合《合同法》第39条第2款所规定的格式条款的认定标准,实务上应将其统一认定为格式条款。针对"零时生效条款"问题缔约过失责任虽然可以提供一定救济,但在立法上仍应进一步强化保险人的信息义务,避免保护漏洞的出现,强化保险消费者保护。
Whether the ＂zero o＇clock effective terms＂are standard terms is in relation to whether the standard terms control rules of the current law can be applied,and it also greatly affects the interests of the policy holder or the insured. The insurer does not give the policy holder the true freedom of decision in the determination of＂zero o＇clock effective terms＂,which shows this is the insurer＇s unilateral will,not an individual consultation term. Although the start time of the insurance liability is an essential part of the insurance contract,it is not associated with the determination method of the content,thus there is no conflict with the legal attribute of ＂zero o＇clock effective terms＂as standard terms. Furthermore,the ＂zero o＇clock effective terms＂conforms to the criteria of the standard terms in Paragraph 2 of Article 39 of the Contract Law,and shall be considered as the standard terms in practice. In the current law,it can provide the contracting fault liability as remedy on the issues of ＂zero o＇clock effective terms＂,but the information disclosure obligation of the insurer should be further strengthened in legislation to avoid the emergence of the protection loopholes and strengthen the insurance consumer protection.
出处
《保险研究》
CSSCI
北大核心
2017年第12期37-46,共10页
Insurance Studies
基金
国家社科基金重点项目"我国机动车三责险改革问题研究(项目编号:14AFX019)"的阶段性成果
关键词
保险合同
零时生效条款
格式条款
消费者保护
insurance contract
zero o＇ clock effective terms
standard term
consumer protection
