Kontraheringsplikt och personförsäkring
(2016) LAGF03 20162Department of Law
Faculty of Law
- Abstract
- The freedom of contract-principle has been a standard rule within the general contract law for quite some time. The principle was strongly supported by the liberals’ point of view and its importance grew during the liberalistic era. In contrast, socialists were concerned that weaker parties would come to be mistreated by an absolute form of freedom of contract. It is now known that the parties of the free market had a diversity of strength, where the stronger sometime abused their position. To avoid that weaker parties were being refused access to contracts, which is required in order to fulfill their needs, a obligation to contract has been applied to some extent. For this reason the swedish law can nowadays be characterized as being in a... (More)
- The freedom of contract-principle has been a standard rule within the general contract law for quite some time. The principle was strongly supported by the liberals’ point of view and its importance grew during the liberalistic era. In contrast, socialists were concerned that weaker parties would come to be mistreated by an absolute form of freedom of contract. It is now known that the parties of the free market had a diversity of strength, where the stronger sometime abused their position. To avoid that weaker parties were being refused access to contracts, which is required in order to fulfill their needs, a obligation to contract has been applied to some extent. For this reason the swedish law can nowadays be characterized as being in a state of relative freedom of contract.
The question is when the obligation to contract can be righteously applied. It is possible that less restricting measures have been enough at some occasions where obligation to contract nevertheless has been applied anyway. Obligation to contract for personal insurance was introduced in 2006 as part of Försäkringsavtalslagen (2005:104) (FAL). This essay examines whether the obligation to contract for personal insurance can be considered as justified.
The conclusion I’ve drawn from the survey is that the obligation to contract for personal insurance can be considered justified in achieving the objectives pursued. However, one should examine whether there are less restrictive alternatives that can be used instead. (Less) - Abstract (Swedish)
- Principen om avtalsfrihet är en sedan länge befäst princip som utgör en huvudregel inom den allmänna avtalsrätten. Principen vinner starkt stöd från liberalistiskt håll och fick ett uppsving under den liberalistiska eran medan det från socialistiskt håll sedermera väckts en oro kring att sämre ställda parter kan tänkas hamna i kläm av en absolut avtalsfrihet. Det har nu visat sig att det råder olika styrkeförhållanden hos marknadens parter, där de starkare i viss utsträckning missbrukar sin position. För att motverka att svagare part nekas tillgång till avtal som de behöver för att tillgodose sina behov, har därför kontraheringsplikt införts på vissa håll. Av denna anledning kan man säga att den svenska rätten numera präglas av en relativ... (More)
- Principen om avtalsfrihet är en sedan länge befäst princip som utgör en huvudregel inom den allmänna avtalsrätten. Principen vinner starkt stöd från liberalistiskt håll och fick ett uppsving under den liberalistiska eran medan det från socialistiskt håll sedermera väckts en oro kring att sämre ställda parter kan tänkas hamna i kläm av en absolut avtalsfrihet. Det har nu visat sig att det råder olika styrkeförhållanden hos marknadens parter, där de starkare i viss utsträckning missbrukar sin position. För att motverka att svagare part nekas tillgång till avtal som de behöver för att tillgodose sina behov, har därför kontraheringsplikt införts på vissa håll. Av denna anledning kan man säga att den svenska rätten numera präglas av en relativ avtalsfrihet.
Frågan är när införandet av kontraheringsplikt kan anses rättfärdigat. Det kan tänkas att mindre ingripande åtgärder hade varit tillräckliga på vissa håll, där kontraheringsplikt likväl har införts. Kontraheringsplikt för personförsäkringar infördes 2006 genom Försäkringsavtalslagen (2005:104) (FAL). Denna uppsats undersöker om kontraheringsplikten för personförsäkringar kan anses vara rättfärdigad för att nå de mål som eftersträvas.
Den slutsats jag har dragit av undersökningen är att kontraheringsplikten för personförsäkringar kan anses rättfärdigad för att nå de mål som eftersträvas, men att man bör undersöka om det finns mindre ingripande alternativ som kan användas istället och att man i så fall i första hand använder dem. (Less)
Please use this url to cite or link to this publication:
http://lup.lub.lu.se/student-papers/record/8897504
- author
- Spaak, Robin LU
- supervisor
- organization
- course
- LAGF03 20162
- year
- 2016
- type
- M2 - Bachelor Degree
- subject
- keywords
- Allmän avtalsrätt, försäkringsrätt, försäkringsavtalsrätt, Kontraheringsplikt, personförsäkring, försäkring, försäkringsavtalslagen
- language
- Swedish
- id
- 8897504
- date added to LUP
- 2017-02-13 20:32:54
- date last changed
- 2017-02-13 20:32:54
@misc{8897504,
abstract = {{The freedom of contract-principle has been a standard rule within the general contract law for quite some time. The principle was strongly supported by the liberals’ point of view and its importance grew during the liberalistic era. In contrast, socialists were concerned that weaker parties would come to be mistreated by an absolute form of freedom of contract. It is now known that the parties of the free market had a diversity of strength, where the stronger sometime abused their position. To avoid that weaker parties were being refused access to contracts, which is required in order to fulfill their needs, a obligation to contract has been applied to some extent. For this reason the swedish law can nowadays be characterized as being in a state of relative freedom of contract.
The question is when the obligation to contract can be righteously applied. It is possible that less restricting measures have been enough at some occasions where obligation to contract nevertheless has been applied anyway. Obligation to contract for personal insurance was introduced in 2006 as part of Försäkringsavtalslagen (2005:104) (FAL). This essay examines whether the obligation to contract for personal insurance can be considered as justified.
The conclusion I’ve drawn from the survey is that the obligation to contract for personal insurance can be considered justified in achieving the objectives pursued. However, one should examine whether there are less restrictive alternatives that can be used instead.}},
author = {{Spaak, Robin}},
language = {{swe}},
note = {{Student Paper}},
title = {{Kontraheringsplikt och personförsäkring}},
year = {{2016}},
}