Publication: Türk özel sigorta hukukunda sigorta ettirenin borç ve yükümlülükleri
Abstract
Bu tez kapsamında, sigorta mevzuatı ve sigorta sözleşmesince sigorta ettirene yüklenmiş bulunan, borç ve yükümlülükler ele alındı. Öncelikle, sigortanın anlam ve öneminin, kişisel ve toplumsal hayatta sağladığı faydaların da açıklandığı giriş kısmında, konunun genel olarak önemi, güncelliği ve kapsamı hakkında bilgi verildi. Birinci bölümde, sigorta ettirenin borç niteliğinde bir yükümlülüğü olan, prim ödeme borcu incelendi. Bu çerçevede, primin özellikleri ve prim tarifeleri açıklandıktan sonra prim ödeme zamanı, ödeme yeri ve ödeme şekline ilişkin, detaylı anlatım yapıldı. Hemen devamında, prim borcunun ödenmemesinin sonuçları ve buna ilişkin yasa değişiklikleri ile bu değişikliklerin iptali sonucu ortaya çıkan boşluğa geniş yer verildi. Daha sonraki bölümlerde, sigorta ettirenin borç niteliği taşımayan yükümlülükleri ele alındı. Bunlardan en önemlisi olan ihbar yükümlülüğü, sözleşmenin kurulması sırasındaki, sözleşmenin devamı sırasındaki ve rizikonun gerçekleşmesi durumundaki ihbar yükümlülüğü olmak üzere, üç ayrı başlık altında incelendi. Yine, sigorta ettirenin borç niteliği taşımayan yükümlülüklerinden olan koruma tedbirlerini alma yükümlülüğü ve sigortacının malı muayene etmesine izin verme yükümlülüğü, amaç, kapsam ve ihlalinin sonuçları açısından inceleme konusu yapıldı. Son olarak, mevzuatta doğrudan doğruya düzenlenmemiş, ancak, dolaylı olarak çıkarılan diğer yükümlülükler ve sigorta genel şartlarında düzenlenmiş bulunan görevlere de yer verildi. Sonuç bölümünde ise, tez kapsamında varılan yargı ve sonuçlar, toparlanarak genel hatlarıyla ve bir bütünlük içerisinde ifade edildi. Tezde konular, genellikle iki bakımdan incelenmiştir. Buna göre konular, bir yandan hayat dışı sigortalar bakımından detaylı olarak incelenirken, diğer yandan, hayat sigortalarında söz konusu olan farklılıklar bakımından ayrı başlık altında ele alındı.
In include of this thesis, debt and obligations which has been given policyholder the task by insurance laws and insurance contract, were studied. Firstly, in the introduction part in which the benefit to personal and social life of meaning an importance of insure be explained, have given information about general importance of the topic, topical and scope. In the first chapter, the debt of payment of insurance premium that has some obligations at characteristic of debt belong to policyholder, were examined. At this scope, after explaining the feature of insurance premium and tariffs of insurance premium that have been explained with more details about time of playing insurance premium, place of payment and way of payment. Then, it had been included that result of not paying the debt of insurance premium , change of laws and the state what happened as result cancelling these chances. At subsequent chapters, the obligations that not having debt characteristic, of the policyholder were considered . Informing obligation that is the most important thing of these obligations , were researched under three titles, as during the setting up contract, during the continuation of contract and at the result of appearing the risk. Once again, from one of the obligations that not having debt characteristic of the policyholder, the obligation of taking protection measures and the obligation of giving permission to insurer to scrutinise the merchandise were researched from the point of view of aim, include and result of infringement. Lastly, the obligations that are not legislated directly but, other obligations were established indirectly and the duty what was arranged at the insurance general condition were included, too. In result chapter, judgement and result of that have been got at include of thesis, being summarised were expressed with general feature . In thesis, generally the topic was researched from two point of view. According to this, the topics, on the one hand, while the topics being researched point of view of out of life insurance in detail and on the other hand, the topics were considered point of view of differences at life insurance.
In include of this thesis, debt and obligations which has been given policyholder the task by insurance laws and insurance contract, were studied. Firstly, in the introduction part in which the benefit to personal and social life of meaning an importance of insure be explained, have given information about general importance of the topic, topical and scope. In the first chapter, the debt of payment of insurance premium that has some obligations at characteristic of debt belong to policyholder, were examined. At this scope, after explaining the feature of insurance premium and tariffs of insurance premium that have been explained with more details about time of playing insurance premium, place of payment and way of payment. Then, it had been included that result of not paying the debt of insurance premium , change of laws and the state what happened as result cancelling these chances. At subsequent chapters, the obligations that not having debt characteristic, of the policyholder were considered . Informing obligation that is the most important thing of these obligations , were researched under three titles, as during the setting up contract, during the continuation of contract and at the result of appearing the risk. Once again, from one of the obligations that not having debt characteristic of the policyholder, the obligation of taking protection measures and the obligation of giving permission to insurer to scrutinise the merchandise were researched from the point of view of aim, include and result of infringement. Lastly, the obligations that are not legislated directly but, other obligations were established indirectly and the duty what was arranged at the insurance general condition were included, too. In result chapter, judgement and result of that have been got at include of thesis, being summarised were expressed with general feature . In thesis, generally the topic was researched from two point of view. According to this, the topics, on the one hand, while the topics being researched point of view of out of life insurance in detail and on the other hand, the topics were considered point of view of differences at life insurance.