DUTY TO PROVIDE PRECONTRACTUAL INFORMATION OF CROP INSURANCE

Authors

  • Katarina Ivan?evi?, Ph.D. Faculty of Law University of Union, Belgrade
  • Zoran Ilkić Law agent in damages, Insurance Co. "DDOR NOVI SAD
  • Milan Počuča Business Academy, Faculty of Law, Novi Sad

DOI:

https://doi.org/10.5937/ekoPolj1601217I

Keywords:

crop insurance, policy conditions, pre-contractual information, duty to advise

Abstract

Crop insurance is one of the most important types of agricultural insurance. From the aspect of insurance technique, this insurance is very challenging and requires careful drafting of insurance terms and tariffs. This type of insurance can provide security to farmers in case of fnancial losses caused by numerous risks which they are exposed to. Insuffcient knowledge of the opportunities that the insurance provides is caused in part by inaccurate and vague explanations that have been offered by insurers in negotiation stage to interested farmers. In this regard, an important novelty in Serbian law is the obligation of contractual information which was introduced by the new Insurance Law (IL). In this way, additional protection to users of the service of insurance in relation to the provisions of the obligation law is provided. The goal of this obligation is to allow a negotiator to gain a clear idea of the essential elements of the insurance contract, to consider the proposed coverage and make a reasonable decision whether to accept the conclusion of the insurance contract or not, i.e. under what conditions it should be concluded. Sanctions for failure in the obligation to inform act preventively and repressively on insurers. The aim of this study is analyse the legal and factual position of the service benefciaries in terms of obligation of economically and experientially superior contractor of lawful and full information of a policyholder prior to the conclusion of an insurance contract in a very specifc branch of insurance, such as crop insurance. The application of inductive-deductive and comparative-legal research method, points to certain doctrinal and normative solutions from other legal systems, legal provisions applicable in the law of the Republic of Serbia are critically set out, as well as the daily practice of insurance companies.

Downloads

Download data is not yet available.

References

1.Borselli, A. (2012): Cognosceat emptor: o obavezi osiguravača na davanje informacija potencijalnom osiguraniku u Evropi, Revija za pravo osiguranja, No. 2, pp. 45-54, Udruženje za pravo osiguranja Srbije, Beograd, Srbija.
2. Dick, J. A. W., Weijing, W. (2010): Government Interventions in Agricultural Insurance, Agriculture and Agricultural Science Procedia, vol. 1, pp. 4–12, Elsevier B. V., (available at: http://www.sciencedirect.com/science/article/pii/S2210784310000033).
3. Đurđević, M. (2008): Obligacija obaveštavanja u ugovorima o potrošnji, Pravo i privreda, No. 5-8, pp. 555-571, Udruženje pravnika u privredi, Beograd, Srbija.
4. Ebers, M. (2004): Information and advising requirements in the financial services sector: Principles and Peculiarities in EC Law, Electronic Journal of Comparative Law, vol 8.2, pp. 1-16, Netherland, (available at: http://www.ejcl.org).
5. Generali Osiguranje Srbija a.d.o. (2013): Posebni uslovi za osiguranje useva i plodova od rizika gubitka prihoda (Generali Osiguranje Srbija, Posebni uslovi), Beograd, Srbija.
6. Gesetz über den Versicherungsvertrag (Versicherungsvertragsgesetz /VVG/) vom 23. November 2007, BGBl. I S. 2631, Germany.
7. Gvozdić, D. (2005): Vrste rizika u poljoprivrednoj proizvodnji zemalja EU sa osvrtom na osiguranje, Zbornik radova sa konferencije "Osiguranje u svetlu novog zakonodavstva", 14-17.04., Palić, Udruženje za pravo osiguranja Srbije i Crne Gore, Srbija, pp. 109-122.
8. Insurance Contract Law No. 2496/97, Official Gazette of the Republic of Greece, Vol. 1, Issue No. 87, 16th May 1997.
9. Ivančević, K. (2014): Posredovanje u osiguranju, Zbornik radova sa konferencije "Uslužni poslovi", 09.05., Kragujevac, Pravni fakultet Univerziteta u Kragujevcu, Srbija, pp. 143-166.
10. Ivančević, K. (2011): Uskladjenost regulative Srbije sa evropskim pravom u domenu zaštite potrošača usluge osiguranja, Zbornik radova sa konferencije "Promene u pravu osiguranja Srbije u okviru evropskog (EU) razvoja prava osiguranja", 15-17.04., Palić, Udruženje za pravo osiguranja, Srbija, pp. 235–252.
11. Ivančević, K. (2010): Pravna zaštita potrošača korisnika usluge osiguranja i bankarske usluge (neobjavljena doktorska disertacija), Pravni fakultet, Univerzitet Union, Beograd, Srbija.
12. Labudović-Stanković, J., Todorović, N. (2011): Osiguranje biljne proizvodnje u EU i Srbiji, Ekonomika poljoprivrede, No. 4, pp. 723-734, Naučno društvo agrarnih ekonomista Balkana et al., Beograd, Srbija.
13. Keller, K. J. (2010): Ernteversicherungen als Risikomanagementinstrument (Eine Analyse von Versicherungstypen und Tarifierungsmodellen), Dissertation, Justus-LiebigUniversität, Giessen, Germany.
14. Mahul, O., Clarke, D., Maher, B., Assah, F. (2013): Promoting Access to Agricultural Insurance in Developing Countries, pp. 1-12, World Bank, Washington DC., USA, (available at: http://www.publications.worldbank.org).
15. Mahul, O., Stutley, J. CH. (2010): Government Support to Agricultural Insurance: Challenges and Options for Developing Countries, pp. 1-206, World Bank, Washington DC., USA, (available at: http://www.publications.worldbank.org).
16. Marković, T. (2009): Osiguranje useva i plodova kao instrument za upravljanje rizikom u poljoprivredi, Letopis naučnih radova, Vol. 33, No. 1, pp. 28-35, Poljoprivredni fakultet, Novi Sad, Srbija.
17. Marković, T. (2010): Upravljanje vremenskim rizicima u biljnoj proizvodnji, Letopis naučnih radova, Vol. 34, No. 1, pp. 23-31, Poljoprivredni fakultet, Novi Sad, Srbija.
18. Narodna banka Srbije (NBS). (2012): Pregled broja osiguranja, broja osiguranika i premije po vrstama i tarifama osiguranja za Srbiju u 2012 godini, pp. 3, (available at: http:// www.nbs.rs/export/download/osg-izv-y/god_T1_2012.pdf).
19. NBS. (2013): Pregled broja osiguranja, broja osiguranika i premije po vrstama i tarifama osiguranja za Srbiju u 2013 godini, pp. 3, (available at: http://www.nbs.rs/export/download/ osg-izv-y/god_T1_2013.pdf).
20. NBS. (2014): Pregled broja osiguranja, broja osiguranika i premije po vrstama i tarifama osiguranja za Srbiju u 2014 godini, pp. 3-6, (available at: http://www.nbs.rs/ export/download/osg-izv-y/god_T1_2014.pdf).
21. Nykredit. (2012): Landbrugsforsikring - version 4481004, pp. 1-62, København, Denmark, (available at: http://www.nykredit.dk/privat/ressourcer/dokumenter/pdf/ forsikringsbetingelser/skadesforsikringer/landbrugsforsikring.pdf).
22. Odluka o načinu zaštite prava i interesa korisnika usluge osiguranja, Službeni glasnik Republike Srbije, No. 55/2015, Srbija.
23. Orlić, M. (1993): Zaključenje ugovora, Institut za uporedno pravo, Beograd, Srbija.
24. Osiguranje.hr. (2014). Prirodne katastrofe odnijele 41 mlrd dolara, (dostupno na: http:// www.osiguranje.hr/NewsView.aspx?id=16091).
25. Počuča, M., Petrović, Z., Mrkšić, D. (2013): Insurance in agriculture, Ekonomika poljoprivrede, No. 1, pp. 163-177, Naučno društvo agrarnih ekonomista Balkana et al., Beograd, Srbija.
26. Prang, T. (2003): Der Schutz der Versicherungsnehmer bei der Auslegung von Versicherungsbedingungen durch das Reichgericht (978-3-631-51324-8), Lang, Frankfurt am Main, Germany.
27. Reosiguranje - sve o osiguranju, Osiguranje poljoprivrede u Hrvatskoj (available at: http://www.reosiguranje.com./vesti/638-osiguranje-poljoprivrede-u-hrvatskoj.html).
28. Republički zavod za statistiku RS. (2013): Statistički godišnjak Republike Srbije 2013, pp. 107, (available at: http://www.webrzs.stat.gov.rs/WebSite/Public/PageView. aspx?pKey=138).
29. Sandmark, T., Debar, J-C., Tatin-Jaleran C. (2013): The Emergence and Development of Agriculture Microinsurance, pp. 1-80, A Discussion Paper, Microinsurance Network, Luxembourg.
30. Shields, A. D. (2013): Federal Crop Insurance: Background, Congressional Research Service, pp. 1-22 (available at: http://www.hsdl.org/?view&did=747879).
31. Sve o Osiguranju. (2012): Dok ne udari...!, (available at: http://www.sveoosiguranju. rs/?page=394).
32. Tomić, Č. (1976): Osiguranje biljne proizvodnje (useva i plodova), pp. 51-63, 30 godina osiguranja imovine i lica u SFR Jugoslaviji, Udruženje osiguravajućih organizacija Jugoslavije, Beograd, Srbija.
33. Topdanmark. (2001): Vilkår for Landbrug 6331-2 Januar 2001, pp. 11-17, Ballerup, Denmark, (available at: http://www2.topdanmark.dk/fileadmin/dokumenter/PDF/ Landbrug/Vilkaar/6331-2_Landbrug_Landbo_Landbrug_Producent.pdf).
34. Zakon o obligacionim odnosima (ZOO), Službeni list SFRJ, No. 29/78, 39/85, 45/89 - Odluka USJ i 57/89, Službeni list SRJ, No. 31/93 i Službeni list SCG, No. 1/2003 - Ustavna povelja.
35. Zakon o osiguranju (ZO), Službeni glasnik Republike Srbije, No. 139/2014.

Downloads

Published

2018-05-16

How to Cite

Ivančević, K., Ilkić, Z., & Počuča, M. (2018). DUTY TO PROVIDE PRECONTRACTUAL INFORMATION OF CROP INSURANCE. Economics of Agriculture, 63(1), 217–230. https://doi.org/10.5937/ekoPolj1601217I

Most read articles by the same author(s)