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自海上保险产生以来,欺诈性索赔案件就时有发生。英国1906年海上保险法中并未规定关于欺诈性索赔的法律后果,只规定了关于“最大诚信”原则及违反该原则的法律后果。2015年英国保险法中明确规定了欺诈性索赔的法律后果,其实质是将在判例中确定的保险人对于欺诈性索赔的救济以法律方式固定下来,是对1906海上保险法的完善,能够更好地解决实际问题。
Fraudulent claims have occurred from time to time since the creation of marine insurance. The United Kingdom Marine Act 1906 does not provide for the legal consequences of fraudulent claims and only provides for the principle of “utmost good faith” and the legal consequences of violating the principle. The legal consequences of fraudulent claims are clearly laid down in the UK Insurance Act of 2015. In essence, the legal remedy of the insurer’s remedies for fraudulent claims identified in the jurisprudence is essentially the perfection of the 1906 Marine Insurance Law, solve the real problem.