The Theoretical Research on a Duty of an Insurer to Cover an Insured's Costs to Mitigate Losses under Marine Insurance Act 1906 in UK

• Project/Area Number: 22730098
• Research Category: Grant-in-Aid for Young Scientists (B)
• Allocation Type: Single-year Grants
• Research Field: Civil law
• Research Institution: Kinki University
• Principal Investigator: NOGUCHI Yuko 近畿大学, 法学部, 教授 (40314794)
• Project Period (FY): 2010-04-01 – 2014-03-31
• Project Status: Completed (Fiscal Year 2013)
• Budget Amount: ¥2,600,000 (Direct Cost: ¥2,000,000、Indirect Cost: ¥600,000); Fiscal Year 2013: ¥520,000 (Direct Cost: ¥400,000、Indirect Cost: ¥120,000); Fiscal Year 2012: ¥780,000 (Direct Cost: ¥600,000、Indirect Cost: ¥180,000); Fiscal Year 2011: ¥650,000 (Direct Cost: ¥500,000、Indirect Cost: ¥150,000); Fiscal Year 2010: ¥650,000 (Direct Cost: ¥500,000、Indirect Cost: ¥150,000)
• Keywords: 商法 / 保険法 / 保険契約 / 海上保険 / 損害保険 / 損害防止義務 / 損害防止費用負担義務 / 英国海上保険法

Research Abstract

Japanese Insurance Law Article 23 provides that an insured shall take measures to avert losses, and further provides for an insurer to cover the costs properly and reasonably incurred by the insured for the purpose of averting losses, even if the total amount of the costs and the amount of indemnity exceed the policy limit. This study elucidates whether the provision of Article 23 prescribing that an insurer cover the costs incurred by an insured for the mitigation of losses should be deemed a mandatory provision and thereby prohibit an insurer from excluding coverage for such costs, considering a duty of an insurer to cover an insured's costs to mitigate losses under Marine Insurance Act 1906 in UK.