保險期內危險程度增加的法律問題

今後幾年，歐洲委員會會以布魯塞爾為平台，出台調整保單持有人為個人的保險合同統一規則，其中特別需要規範的是保險期間內危險程度增加的法律問題，該規則與現行規則肯定會大相徑庭。本文首先考察英國普通法現在的立場，接著看一下布魯塞爾的規劃，並對歐洲其他國家的相關規則做一比較，最後對可能採用的規範做一預測。

In the coming years uniform rules of law regulating insurance contracts for private policyholders may be proposed by the European Commission, based in Brussels. In particular, among them are likely to be rules of law on aggravation of the risk during the insurance period: rules quite different from the rules of this kind now in force. This paper looks first at the current position in English common law, next at what is planned in Brussels, then makes a comparative assessment of current legislation on the subject in other countries in Europe, and ends with an estimate of what the uniform rules might be.