- citati u SCIndeksu: 0
- citati u CrossRef-u:0
- citati u Google Scholaru:[
 ]
- posete u poslednjih 30 dana:1
- preuzimanja u poslednjih 30 dana:1
|
|
|
2021, vol. 38, br. 4, str. 1-15
|
|
Praksa proširene nadležnosti ombudsmana za finansijske usluge velike britanije u oblasti osiguranja
Practice of extended competence of the Ombudsman for the financial services of the United Kingdom in the field of insurance
Sažetak
U ovom radu autori razmatraju način odlučivanja Ombudsmana za finansijske usluge Velike Britanije, koji omogućuje povoljnije ishode po osiguranika u odnosu na striktnu primenu zakona. Autori vrše razgraničenje načina postupanja ombudsmana i sudova, te izlažu konkretne primere u kojima je Ombudsman osiguranicima priznao i neka prava čije ostvarivanje oni sami nisu zahtevali od osiguravača. U praksi Ombudsmana postoje brojni primeri u kojima su sporovi nastajali usled lošeg razumevanja širine osiguravajućeg pokrića od strane osiguranika, kvaliteta i obima usluge popravke štete, restriktivnom tumačenju predmeta osiguranja od strane osiguravača. Okolnosti u kojima je Ombudsman donosio odluke u sporovima zasnivane su na standardu "ranjivog osiguranika" i slobodnom uverenju ovog organa u vezi sa postojanjem neispunjenih očekivanja, što može doprineti daljem unapređenju pravnog okvira zaštite osiguranika.
Abstract
In this paper, the authors discuss the decision-making method of the UK Financial Services Ombudsman enabling more favourable outcomes for an insured person in relation to the strict application of law. The authors delineate the manner in which the Ombudsman and the courts act and present specific examples in which the Ombudsman has recognized some rights to the insured whose exercising they themselves did not demand from the insurer. In the practice of the Ombudsman, there are numerous examples in which disputes arose due to a poor understanding of the breadth of the insurance coverage by the insured, the quality and scope of the damage repair service, a restrictive interpretation of the subject of insurance by the insurer. The circumstances on which the Ombudsman made decisions in disputes were based on the standard of a "vulnerable insured person" and a free belief of this body regarding the existence of unfulfilled expectations, which could contribute to the further improvement of the legal framework for the protection of the insured persons.
|
|
|
|
Reference
|
|
|
*** (2000) Financial Services and markets act 2000. Downloaded 2021, September 12 from https://www.legislation.gov.uk/ukpga/2000/8/content
|
|
|
Financial Conduct Authority (2015) Consumer vulnerability for 2015. Occasional Paper No. 8, Downloaded 2021, September 17 from https:// www.fca.org.uk/publication/occasional-papers/occasional-paper-8.pdf
|
|
|
Financial Conduct Authority Handbook of rules and guidance: Dispute resolution: Complaints (DISP). Release 5 for 1 April 2016. Downloaded 2021, September 17 from https://www.handbook.fca.org.uk/handbook/ DISP.pdf
|
|
|
Financial Ombudsman Service (2016) Ombudsman news. Issue no. 133 for 2016. Downloaded 2021, September 15 from https://www.financial-ombudsman.org.uk/files/2851/issue133.pdf
|
|
|
Financial Ombudsman Service (2001) Ombudsman news. Issue July for 2001. Downloaded 2021, September 15 from https://www.financial-ombudsman.org.uk/files/2795/7.pdf
|
|
|
Financial Ombudsman Service (2002) Ombudsman news. Issue July for 2002. Downloaded 2021, September 15 from https://www.financial-ombudsman.org.uk/files/2805/18.pdf
|
|
|
Financial Ombudsman Service (2007) Ombudsman news. Financial Ombudsman Service, Issue no. 63 for 2007. Downloaded 2021, September 15 from https://www.financial-ombudsman.org.uk/files/2898/63.pdf
|
|
|
Financial Ombudsman Service (2008) Ombudsman news. Financial Ombudsman Service, Issue no. 69 for 2008. Downloaded 2021, September 15 from https://www.financial-ombudsman.org.uk/files/2904/69.pdf
|
|
|
Financial Ombudsman Service (2015) Ombudsman news. Financial Ombudsman Service, Issue no. 127 for 2015. Downloaded 2021, September 15 from https://www.financial-ombudsman.org.uk/files/2858/issue_127.pdf
|
|
|
Financial Ombudsman Service (2015) Ombudsman news. Financial Ombudsman Service, Issue no. 130 for 2015. Downloaded 2021, September 15 from https://www.financial-ombudsman.org.uk/files/2855/issue130.pdf
|
|
|
Gal, J. (2014) Alternative dispute resolution systems regarding private insurance. Istanbul: Sigorta Hukuku Türk Derneği, pp. 9-44
|
|
|
Jovanović, S., Slavnić, J. (2015) Reforma prava osiguranja u Engleskoj i novine u vezi sa prijavom bitnih informacija osiguravaču, pre zaključenja potrošačkih ugovora o osiguranju (Reform of insurance rights in England and news regarding the application of important information to th. Evropsko zakonodavstvo, 13 (54), pp. 153-166
|
|
|
Mendelowitz, M. (2014) Resolving consumer insurance complaints in the UK: The Financial Ombudsman service. u: Ünan, Samim [ur.] Alternative dispute resolution systems regarding private insurance, Istanbul: Sigorta Hukuku Türk Derneği, pp. 66-76
|
|
|
Merlin, F., W. (2015) Unfair claims practices: A first party perspective. Downloaded 2015, August 10 from http://merlinlawgroup.com/sites/ merlinlawgroup/resources/unfair-claims-practices.pdf
|
|
|
Nikolić, M., ed. (2007) Rečnik srpskoga jezika (A dictionary of Serbian language). Novi Sad: Matica srpska
|
|
|
Pak, J. (2004) Pravna zaštita korisnika usluga osiguranja (Legal protection of insurance service users). u: Slavnić, J.; Šulejić, P. [ur.] Privreda i pravo osiguranja u tranziciji (Economy and insurance law in transition), Beograd: Udruženje za pravo osiguranja Srbije i Crne Gore, 187-204
|
|
|
Simeonidis-Todorović, M. (2014) Imenovani ugovori u neživotnom osiguranju - poseban osvrt na rešenja u grčkom ugovornom pravu osiguranja (Nominant non-life insurance contracts: A special look at solutions in Greek contractual insurance law). u: Jovanović, S.; Marano, P.; Žarković, N. [ur.] Moderno pravo osiguranja - tekuća pitanja i trendovi (Modern insurance law: Current issues and trends), Beograd: Udruženje za pravo osiguranja Srbije, pp. 256-271
|
|
|
Summer, P.J. (2009) Insurance law and the Financial Ombudsman service: Thesis for the degree of doctor of philosophy. Southampton: University of Southampton, Faculty of law, arts & social sciences
|
|
|
|
|