POVZETEK
Zavarovanje trgovinskih kreditov se šteje za učinkovit in danes prevladujoč finančni/zaščitniinstrument za sodobno prodajo na odloženo plačilo in na odprt račun, ki se uporablja za zagotavljanje zavarovalnega kritja (predvsem sorazmernega) za inherentne komercialne in nekomercialne rizike ter pomožnih storitev v zvezi s trgovinskimi terjatvami (orientiran na portfelj kreditnih rizikov). Pogodba o zavarovanju trgovinskih kreditov je dvostranska, odplačna, vzajemna, obnovljiva, samostojna in uberrimae fidei odškodovalna pogodba, običajno diskretne narave, s pogojnimi obveznostmi zavarovalnice kot temeljem dolgoročnega ali trajnega interaktivnega sodelovanja med kreditno zavarovalnico in zavarovancem (prodajalcem/upnikom). Čeprav kreditno zavarovanje bolj ali manj temelji na enakih načelih kot druga premoženjska zavarovanja, je ta kompleksna zavarovalna vrsta (vključno s kavcijskim zavarovanjem), z v članku opisano pravno naravo in glavnimi značilnostmi pogodbe o zavarovanju trgovinskih kreditov, precej specifična in se razlikuje od drugih zavarovanj v zavarovalnotehničnem kot tudi v pravnem smislu; tako se XXVI. poglavje Obligacijskega zakonika s sicer prevladujočimi kogentnimi normami o zavarovalni pogodbi za kreditno zavarovanje ne uporablja. Zato so pravni viri pogodbenega prava za kreditno zavarovanje predvsem zavarovalne police s splošnimi in posebnimi pogoji zavarovanja kot njihovimi sestavnimi deli, pa tudi običaji, neformalni pravni viri in omejena sodna praksa.
SUMMARY
Trade credit insurance is perceived as an efficacious and nowadays prevailing financial/security instrument for contemporary sales on deferred payment and open account terms employed to provide insurance coverage (mainly proportional)against inherent commercial and non-commercial risks, as well as auxiliary services related to trade receivables (oriented on credit risk portfolio). The trade credit insurance contract is bilateral, onerous, reciprocal,perpetual and stand-alone uberrimae fidei contract of indemnity, usually of a discreet nature, with conditional obligations of the insurer as a foundation of a long-term or permanent interactive cooperation between credit insurer and the insured vendor (creditor). Even though credit insurance is founded more or less on the same basic principles as other property insurances,this complex insurance class (including suretyship) – with the legal nature and main characteristics of trade credit insurance contract described in the article – is rather specific and differs from other types of insurance in underwriting, as well as in legal sense, and thus Chapter XXVI of the Code of Obligations with its prevailing mandatory provisions on insurance contract do not apply for credit insurance. Therefore, legal sources for credit insurance contract law are mainly insurance policies with general and special insurance conditions as their integral parts, as well as usages, informal legal sources and scarce case law.
TITLE
Trade Credit Insurance
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