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2020, vol. 58, iss. 3, pp. 237-253
Main characteristics of credit life insurance
Institute of Comparative Law, Belgrade

emailm.glintic@iup.rs
Keywords: Life Insurance; Payment Protection Insurance; Consumer; The Duty of Disclosure; Effective Interest Rate
Abstract
In recent years, banks in Serbia, as authorized insurance agents, have started offering various types of insurance contracts that serve as a means of securing credit. Since the potential credit user is a consumer who does not have sufficient legal knowledge of insurance contracts, this paper aims to point out the main characteristics of these insurances and to highlight the differences between them. Despite all the information that insurance agents are required to disclose to their clients, there are always certain dilemmas regarding these insurance policies, particularly with respect to the issues of insurance coverage, insurance voluntariness and its cost-effectiveness. During the last two years, several judgments have been made regarding credit insurance and the powers of banks in connection with this contract, so it was necessary to consider what consequences this could have on the way of concluding the contract and calculating premiums for some other insurances intended for securing loans, although differently conceived.
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About

article language: Serbian
document type: Review Paper
DOI: 10.5937/PiP2003237G
received: 27/07/2020
accepted: 26/08/2020
published in SCIndeks: 09/10/2020

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