Darstellung und Abgrenzung des deutschen Versicherungsvermittlungsmarktes

Insurance intermediation is mostly known as a distribution entity of insurance companies. Therefore only limited research has focused on German insurance intermediaries as an independent market. The business of insurance intermediaries can not only be limited on selling policies, they also offer other services to policyholders. The aim of this paper is threefold. First, we explain the structure as well as the legal and the fiscal characteristics within the insurance intermediation market. Second, we describe the business of German intermediaries. Third, we show that this market can be defined as an independent market.     

Informations- und Beratungspflichten des Versicherers nach der VVG-Reform

The insurer’s duty to enable the customer to come to an appropriate decision, providing advice and information, is a central topic of the reform of the German insurance contract law. The obligations of intermediaries given by the Directive 2002/92/EC on insurance mediation are transferred to insurers and thereby enlarged in some aspects. The duty to give advice in §6 I 1 VVG depends on the objective circumstances of each individual case depending upon either the complexity of the insurance contract and problems in understanding its terms, or the characteristics and situation of the customer. Therewith, the regulation both refers to former jurisdiction and exceeds it by implementing a duty for the insurer to ask for the demands and the needs of the customer. Without reason in the special case the customer has to disclose his need for advice to obtain it. During the term of the contract the insurer is only obliged to give advice if he knows or — acting diligently — could know the needs of the policy-holder. On a European level further duties to inform and advise could help to achieve an effective internal insurance market.     

Vertragsschluß und Probleme des Internationalen Privatrechts beim E-Commerce

The use of the internet has developed significantly in recent years and has created new opportunities for the insurance sector. The virtual nature of the internet supports an effective medium for the sale of insurance products. An internet presence is a key part of an effective marketing and distribution strategy for every insurance company; despite uncertainties concerning expansion into an eletronic market, such strategies remain indispensable. The legal system is continuing to adapt to the ?intangible“ and borderless nature of e-commerce; clearly there remain problematic areas and issues which have yet to be adequately addressed. The article deals with essential questions related to the formation and the implementation of insurance contracts via the internet and focuses on still existing obstacles to the formation of the contract and possible solutions through the implementation of european directives. In this context, the digital signature plays a significant role. Furthermore, questions regarding the applicable law in the formation of contracts with international character will be addressed. In the light of the expansion of internet use and its facilitation of cross border contracts, consumer protection becomes more difficult. Efficient supervision and control of insurance providers that are located in other countries and offer insurance products on the internet is difficult to regulate.     

Prognose des Sicherheitspotenzials von Fahrerassistenzsystemen — Methodik und Datengrundlagen

For the prediction of the safety potential of driver assistance systems as a tool in automotive product development a variety of methods have been established. This paper describes different methodological approaches and the underlying data required.     

Das Gesetz von Gauss und die Theorie des Risikos

Abstract

1. Die Theorie des Risikos in der Lebensversicherung hat für die Praxis bisher wohl nie die Bedeutung erlangt, die man von verschiedenen Seiten für sie beansprucht hat. Die Beurteilung der Stabilität einer Versicherungsanstalt gegen Sterblichkeitsschwankungen, die Festsetznng von Höchstbeträgen auf eigenem Risiko, die Bildung und Verwaltung der Sicherheitsreserven — alles dies wird wohl im allgemeinen nach verhältnissmässig wenig durchgedachten praktischen Erwägungen geregelt, ohne dass dabei die Theorie zur Sprache kommen darf.     

Die Einführung des Euro und seine Folgen

Ohne Zusammenfassung Dr. A. F?llmi ist Direktor der Schweizerischen Nationalbank in Basel.     

Grund und Grenzen der vorvertraglichen Aufklärungspflicht des Versicherers

Zeitschrift für die gesamte Versicherungswissenschaft - Der Beitrag widmet sich der in Deutschland gängigen Praxis des Versicherungsvertriebs durch Versicherungsagenten. Gefragt wird nach...     

Entwicklung des Nebeneinanders von Privat- und Sozialversicherung in den Niederlanden

In the Netherlands, a “dual system” with a public and private sector has been established for health insurance. The advantage of this system is that the positive aspects of a good social policy with room for the employer are combined in order to avoid the buroc-racy and rigidity of a purely public system. In spite of the good experiences with this system over the last years, the Public Health Service is changing and innovations must be given a chance. This explains the willingness of the Netherlands to exchange practical experience with other countries and to discuss with other EU members the possibility of a combined orientated development of the Public Health Service system within the EU.     

Zur Theorie und Praxis der Berechnung des effektiven Zinsfusses bei Anleihen

§ 1. Einleitung.

Die folgende Darstellung des in der Überschrift genannten Problems schliesst sich direkt einem Vortrage des Verfassers im schwedischen Aktuarverein am 2.2. 1939 an, in welchem er schon die Hauptresultate des § 3 mitteilen konnte.     

Vorvertragliche Informations- und Aufklärungspflichten des Versicherers nach finnischem Recht

The essay deals with the regulation of the pre-contractual duty of the insurer to inform and advice the prospective policyholders according to the Finnish law. The regulation could possibly be used as a model for the amendment of the German Insurance Contract Law (VVG). The widely amended Finnish Insurance Contract Law (VSL) came into force on 1. 7. 1995. The regulation of the pre-contractual duties of the insurer was one of the most important amendments of the law. According to sec. 5 VSL, the insurer shall give the insurance applicant the information which is needed for the assessment of the insurance requirement and for the choice of the insurance before the insurance agreement is entered into. If the insurer or his representative has neglected to provide the policyholder with the necessary information concerning the insurance or has provided him with faulty or misleading information, sec. 9 VSL will apply. According to it, the insurance agreement is considered to be in force with the content which the policyholder had reason to infer on the basis of the information which he had received. The provisions are general clauses. The essay explains the details of the provisions through the cases which have been solved by the Finnish Complaints Boards.