Liability insurances shift the financial risk of the loss of a damage from the person who is liable for the damage to the liability insurer. To avoid negligent behavior of the insured, the insurer provides different prevention tools in the insurance policy. The insurer will attach certain sanctions or rewards to certain behavior and certain circumstances in the general conditions of the insurance contract. This research raises the question of the effectiveness of these instruments. The hypothesis is that without knowledge of the insured of these sanctions or rewards, these sanctions and rewards will not form an additional incentive for careful behavior and they will have no preventive effect. Additionally, these prevention tools may undermine the protection of the insured. For this reason the legislature has limited the freedom of contract. This study examines the extent to which the legislature has limited the possibilities of the insurer to provide in prevention tools in de insurance policy. It assesses the extent to which the legislature may or may not succeed in its purpose to protect the insured, and on the other hand, where there are still possibilities for the insurer to fulfill its prevention task. |
Praktijk |
Aansprakelijkheidsverzekeringen: preventie door de verzekeraar en het effect op de bescherming van de verzekerde |
Tijdschrift | Recht der Werkelijkheid, Aflevering 2 2016 |
Trefwoorden | Liability insurance, Prevention, Protection of the insured, Knowledge |
Auteurs | Charlotte Henskens |
SamenvattingAuteursinformatie |
Praktijk |
Zacht waar het kan, hard waar het moet? Casestudies naar handhaving in de sociale zekerheid |
Tijdschrift | Recht der Werkelijkheid, Aflevering 1 2016 |
Trefwoorden | responsive regulation, social security, enforcement, field research |
Auteurs | Paulien de Winter |
SamenvattingAuteursinformatie |
The Dutch social security is mainly conducted by municipalities (social services), the Dutch Employment Insurance Agencies (UWV) and the Social Insurance Bank (SVB). In order to explore to what extent agents adjust their enforcement style, as stated in the responsive regulation approach (Ayres & Braithwaite), five case studies will be conducted; three studies at social services and two studies at Employment Insurance Agencies. |