The Act On The Law Applicable To Certain Insurance Contracts Kansainvälisluonteisiin

Original Language Title: Laki eräisiin kansainvälisluonteisiin vakuutussopimuksiin sovellettavasta laista

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Read the untranslated law here: http://www.finlex.fi/fi/laki/ajantasa/1993/19930091

In accordance with the decision of Parliament provides for the scope of application of article 1: General provisions this law, and the law of the State shall apply to insurance policy, when in non-life insurance, the risk is located in one of the plants belonging to the State of the European economic area (EEA) or when stipulated in the life assurance, permanent place of residence, or, if the policy-holder is a legal person, its seat, to which the contract relates, it is for the Member States of the EEA. (letter of 18 December 1998/410 v, 1999)
The law does not apply to the statutory audit of the reinsurance and the patient-, accident-or pension insurance.

the definitions of article 2 in this Act, the accident insurance and health insurance, if they have been granted life insurance, additional insurance.
The damage insurance, for the purposes of this law, non-life insurance.
The purposes of the contract conditions of the law reference on the law applicable to the contract.

Section 3 of the non-life insurance, the location of the insured risk, the risk of: 1) in the State where the property is located, when the subject of the insurance is property or the construction of irtaimistoineen, if the property is covered by the same insurance than the building;
2) in the State where the vehicle is registered, when the subject of the insurance is the means of transport;
3) in the State where the policy-holder is done in the case of an insurance contract, for a period not exceeding four months into the journey, or leave the insurance risks; as well as 4), other than in the cases mentioned above, the law of the State where the policy-holder has his habitual residence or, if the policy-holder is a legal person, where it has a place of business, to which the contract relates.

Article 4 of the Great risk the risk of insurance for the purposes of: 1 a large insurance) insurance, which applies to railway rolling stock, an aircraft, a ship or an aircraft to be carried by the stuff, or the responsibility of the carrier or any other aircraft or the ship from liability;
2) credit and suretyship insurance, which is related to the occupation of the policyholder; or 3) more damage to property, property damage, or damage the liability for the costs borne by insurance, legal expenses insurance and insurance of assistance, with the exception of the voyage, if the policyholder meets at least two of the next three Visual symbol: (a) the balance sheet total is more than the policyholder) 37.2 million marks;
(b)) a policyholder has a turnover of more than 76.8 million marks;
(c)) the policyholder's average number of employees during the financial year, the more than 250.
If the policy-holder belongs to the group, which shall draw up the consolidated financial statements, will be used for the purposes of paragraph 3 of article 1 of the consolidated financial statements in accordance with the decision of the figures.

section 5 of the Act, the reference to the law of the non-life insurance agreement the parties may agree to reference without limitation in section 4 of the insurance referred to in the agreements. Also you can always agree to the law reference to the law of habitual residence of policy-holder.
If the risk is not located in the State where the policy-holder has his habitual residence, the law of the State in which the law may be the reference, where the risk is situated.
If the policy-holder pursues a commercial or industrial activity or a liberal profession and where the agreement covers a number of different States on the risks of these operations, some of these States, the law may be the reference to the law.
When the vakuutuksenottajana is a legal entity, shall be considered and (2) in the cases referred to in place of habitual residence of policy-as an interface to the päähallinnon location of the policyholder.

section 6 of the Act, the reference to the law of the parties can agree without restrictions to a clarification of the reference when it is one of the State referred to in article 5 of the law.
If only the insurance the insurance shall be replaced by the events occurring in a State other than the Member State where the risk is situated, the parties can always agree to the law reference to the law of the first Member State.

section 7 of the applicable law in the absence of the reference, in the absence of agreement in accordance with section 5 or 6, the law of the State where the policy-holder has his habitual residence, or (4) of section 5 of the päähallinnon referred to the location of the place where the risk is situated in that State. Otherwise, the law of the State with which the contract is most closely connected.
The contract shall be deemed to be related closely to the State in which the risk is situated, the absence of proof to the contrary.

the compulsory insurance of the article 8 notwithstanding the above, the compulsory insurance under the law of the State where the insurance is provided.

Life insurance-life insurance, section 9 of the agreement on the choice of law provision in a life insurance contract shall be governed by the law of the State where the policy-holder has his habitual residence. If the policy-holder is a legal person, the law of the State where the policy-holder's establishment, to which the contract relates.

section 10 of the Act, the reference to the spirit of the policy life insurance contract, the parties may agree to modify the law reference, if it is in section 9 of the law of that State.
If the policy-holder is a natural person and has his/her habitual residence in a Member State other than the State of which he is a national, the parties may agree that the law of the latter State law reference.

Special provisions for the application of the provisions of article 11 of the Finnish to the greatest extent permitted by law, notwithstanding that the insurance contract is the law of a foreign State, the criticism can be applied to any of the provisions that are mandatory irrespective of the law otherwise applicable to the contract.

the application of consumer protection rules in the case of insurance under section 12 of the Finnish party to the contract is a consumer who has a permanent place of residence in Finland, and as a result, the agreement is that the insurer or its representative has been marketing insurance in Finland, is subject to the mandatory rules of the consumer protection law. Law reference may not lead to a reduction in the rights of the consumer in accordance with these provisions.

section 13 (of 18 December 1998, 1999/410) that the law applicable to Contracts in General, the provisions relating to the insurance contracts referred to in this law shall apply to the Otherwise in Rome of 19 June 1980 on the law applicable to contractual obligations, the provisions of the Convention.

The result of the entry into force of section 14 of the äännös date of entry into force of this law shall enter into force at the time of the decreed.
The law shall apply to contracts concluded after the entry into force of the law.
THEY'RE 235/92, 44/92 to the EEA TaVM annex IX to the agreement: Council directives (73/239/EEC, 79/267/EEC, 88/357/EEC and 90/619/EEC) of 18 December 1998, the date of entry into force and the application of the acts:/410 v 1999: this law shall enter into force at the time of the decreed. (L 410/1999 came into force as of 1 April 1999, in accordance with A 411/1999.)
Before the entry into force of this law, the law applicable to insurance contracts concluded earlier.
THEY'RE 103/1998, LaVM 14/1998, EV 174/1998