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Title

Certain peculiarities of insurance agreement

Authors

Demidova Galina Stepanovna

Cand. Sc. Law, Associate Professor, Head of the Department of Civil Law and Proceedings of the Faculty of Law of South Ural State University. 26, Lenin Av., Chelyabinsk, 454080, Russia. E-mail: kafedra.gp@mail.ru

Section

Civil law

Issue

3/2014

Page

100-106

index UDC

347.132.6 : 368 + 347.44 : 368.021

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Abstract

The article is devoted to the study of certain peculiarities of insurance agreements. The insurance agreement is considered as a casual bilateral deal independent on the number of participating parties. The author proves that an insurance agreement is consensual, compensated, and mutual in all cases. The author also gives arguments for the primary importance of the event insured for the establishment of the insurance relationships. It is stated that the event insured does not always meet the characteristics of unexpectedness and harmfulness which proves the fact that the insurance agreement is not always aleatory. The viewpoint of insurance agreement as a contingent transaction is being argued. The scope of coverage is being characterized.

Keywords

insurance agreement, features of insurance agreement, the event insured, insurance fee, scope of coverage.

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