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Abstrakty
The purpose of this paper is to introduce certain new solutions in field of policyholders protection drafted by Polish legislators in the process of IDD implementation (in B2C and B2B transactions). By the end of February 2018, the Insurance Distribution Act is to enter into force, fundamentally reshaping Polish insurance law. The Insurance Distribution Act draft includes a multitude of provisions aimed at improving and broadening legal mechanisms guaranteeing the rights and obligations of insurance customers. However, the current contents of the Insurance Distribution Act draft already raise doubts whether the legislative techniques are accurate and precise. The authors focus on the solutions chosen in the Insurance Distribution Act draft that constitute new quality for Polish policyholders, including consumers. This is preceded by overall remarks on the draft itself as well as the current state of insurance legislation in Poland and the notion of a consumer. (original abstract)
Twórcy
autor
- Nicolaus Copernicus University in Toruń, Poland
autor
- University of Gdańsk, Poland
Bibliografia
- Act of 23 April 1964 the Civil Code (consolidated text: Journal of Laws of 2017, item 459 as amended).
- Act of 22 May 2003 on insurance mediation (consolidated text: Journal of Laws of 2016, item 2077 as amended).
- Act of 30 May 2014 on Consumer Rights (consolidated text: Journal of Laws of 2017, item 683).
- Act of 11 September 2015 on insurance and reinsurance activity (consolidated text: Journal of Laws of 2017, item 1170 as amended).
- Act of 5 August 2015 on handling of complaints by financial market organizations and on the Financial Ombudsman (consolidated text: Journal of Laws of 2016, item 892 as amended).
- Civil Code. Commentary [Kodeks cywilny. Komentarz], Kidyba A. (Ed.), 2012, LEX a Wolters Kluwer business, (in Polish).
- Civil Code. Commentary [Kodeks cywilny. Komentarz], Ciszewski J. (Ed.), 2014, LexisNexis, (in Polish).
- Directive 2002/83/EC of the European Parliament and of the Council of 5 November 2002 concerning life assurance.
- Directive 2005/68/EC of the European Parliament and of the Council of 16 November 2005 on reinsurance and amending Council Directives 73/239/EEC, 92/49/EEC as well as Directives 98/78/EC and 2002/83/EC.
- Directive 2009/138/EC of the European Parliament and of the Council of 25 November 2009 on the taking-up and pursuit of the business of Insurance and Reinsurance (Solvency II).
- Directive 2014/65/EU of the European Parliament and of the Council of 15 May 2014 on markets in financial instruments and amending Directive 2002/92/EC and Directive 2011/61/EU.
- Directive (EU) 2016/97 of the European Parliament and of the Council of 20 January 2016 on insurance distribution.
- First Council Directive 73/239/EEC of 24 July 1973 on the coordination of laws, regulations and administrative provisions relating to the taking-up and pursuit of the business of direct insurance other than life assurance.
- Haberko J., 2007, Consumer sales contract concluded off-premises [Umowa sprzedaży konsumenckiej zawarta poza lokalem przedsiębiorstwa], "Przegląd Sądowy", 3, pp. 98-114 (in Polish).
- Heiss H., 2011, Insurance Contract Law Between Business Law and Consumer Protection, [in:] Brown K.B, Snyder D.V. (Eds.), 2011, General Reports of the XVIIIth Congress of the International Academy of Comparative Law/Rapports Généraux du XVIIIème Congrès de l'Académie Internationale de Droit Comparé, Springer Science & Business Media.
- Insurance Distribution Draft Act, the fourth version, dated July 17th 2017.
- Kowalewski E., Ziemiak M.P., Marszelewski M., 2015, Complaints Act 2015 - a New Measure of Customer Protection on the Polish Insurance Market, "Wiadomości Ubezpieczeniowe", 4, pp. 3-16.
- Krajewski M., 2016, Insurance Contract. Art. 805-834 KC. Commentary [Umowa ubezpieczenia. Art. 805-834 KC. Komentarz], C.H. Beck (in Polish).
- Lisowski J., Zieniewicz M., 2015, Changes in the Agency Channel on the Insurance Market in Poland [Zmiany w kanale agencyjnym na rynku ubezpieczeniowym w Polsce], "Annales Universitatis Mariae Curie-Skłodowska Lublin - Polonia", vol. XLIX, 4, pp. 335-345 (in Polish).
- Malinowska K., 2016, Insurance transparency and protection regime under the Insurance Distribution Directive, "Wiadomości Ubezpieczeniowe", 4, pp. 89-101.
- Marszelewski M., Piątkowski P., 2016, The impact of insurance distribution directive on domestic insurance intermediary market. Selected issues [Wpływ dyrektywy w sprawie dystrybucji ubezpieczeń na krajowy rynek pośrednictwa ubezpieczeniowego. Zagadnienia wybrane], "Studia Iuridica Toruniensia", vol. 19, pp. 111-135 (in Polish).
- Maśniak D., Malinowska K., 2017, Distribution Activities in a New Regime of Concluding Insurance Contracts - Selected Aspects of the Implementation of Directive 2016/97 on Insurance Distribution [Czynności dystrybucyjne w nowym reżimie zawierania umów ubezpieczenia - wybrane aspekty implementacji dyrektywy nr 2016/97 w sprawie dystrybucji ubezpieczeń], "Prawo Asekuracyjne", 2 (91), pp. 13-31 (in Polish).
- Mrozowska-Bartkiewicz B., 2016, What changes will the Directive on insurance distribution bring to the Polish insurance market? [Jakie zmiany dla polskiego rynku ubezpieczeń przyniesie Dyrektywa w sprawie dystrybucji ubezpieczeń?], "Wiadomości Ubezpieczeniowe", 2, pp. 111-123 (in Polish).
- Regulation No 1286/2014 of the European Parliament and of the Council of 26 November 2014 on key information documents for packaged retail and insurance-based investment products (PRIIPs).
- Więcko-Tułowiecka M., 2013, Consumer protection in insurance - a need or a whim? [Ochrona konsumenta w ubezpieczeniach - potrzeba czy fanaberia?], "Monitor Ubezpieczeniowy", 53, pp. 22-24 (in Polish).
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