EVALUATION of FLOATING INSURANCE CONTRACTS in CONTEXT of ARTICLE 1408 of TURKISH COMMERCIAL CODE

Aydin Alber Yüce

Makale detayları

EVALUATION of FLOATING INSURANCE CONTRACTS in CONTEXT of ARTICLE 1408 of TURKISH COMMERCIAL CODE

Yazarlar:

Aydin Alber Yüce

Yayıncı:

Kirikkale University

Ana Başlıklar:

Özel Sigorta Hukuku | Ticaret Hukuku (Diğer)

Dergi:

Kırıkkale Hukuk Mecmuası Vol.3 Issue 2, pp.357-374

Belge Tipi:

Makale

Yayın Tarihi:

10/2023

Belge Dili:

Türkçe

Document ID (Org No.):

2001288145

pISSN:

2757-9964

Anahtar kelimeler:

Özet:

 Contracts concerning floating insurance constitute those in which the insured interest does not yet exist at the time the contract goes into effect. These agreements typically come about in accordance with practical needs. In accordance with this requirement, insurance protection emerges upon the insurers notification upon the materialization of the insured interest. Certain provisions of the Turkish Commercial Code are contradictory with the insurance protections legality based on the interest that eventually materializes. According to TCC Article 1408, a contract is void if the insured interest did not exist at the time it was drafted. Floating insurance contracts, on the other hand, do not have an insured interest at the time the contract is concluded. Based on the Turkish Commercial Codes fundamental principles, this condition gives rise to the notion that floating insurance contracts cannot be legally concluded. In actuality, contracts for floating insurance are often reached, and decisions from the courts are made on legal disputes originating from these agreements. The doctrine has also drawn attention to this inconsistency with floating insurance contracts. The studies on this topic all agree that contracts for floating insurance ought to be regulated. Aside from this, it is evident that the writers that tackled the problem offered several solutions that occasionally overlap and sometimes do not contradict one another. A recommendation for a solution will be provided once an assessment of the study is conducted using the doctrines opinions and court rulings as references.

 Contracts concerning floating insurance constitute those in which the insured interest does not yet exist at the time the contract goes into effect. These agreements typically come about in accordance with practical needs. In accordance with this requirement, insurance protection emerges upon the insurers notification upon the materialization of the insured interest. Certain provisions of the Turkish Commercial Code are contradictory with the insurance protections legality based on the interest that eventually materializes. According to TCC Article 1408, a contract is void if the insured interest did not exist at the time it was drafted. Floating insurance contracts, on the other hand, do not have an insured interest at the time the contract is concluded. Based on the Turkish Commercial Codes fundamental principles, this condition gives rise to the notion that floating insurance contracts cannot be legally concluded. In actuality, contracts for floating insurance are often reached, and decisions from the courts are made on legal disputes originating from these agreements. The doctrine has also drawn attention to this inconsistency with floating insurance contracts. The studies on this topic all agree that contracts for floating insurance ought to be regulated. Aside from this, it is evident that the writers that tackled the problem offered several solutions that occasionally overlap and sometimes do not contradict one another. A recommendation for a solution will be provided once an assessment of the study is conducted using the doctrines opinions and court rulings as references.

 Contracts concerning floating insurance constitute those in which the insured interest does not yet exist at the time the contract goes into effect. These agreements typically come about in accordance with practical needs. In accordance with this requirement, insurance protection emerges upon the insurers notification upon the materialization of the insured interest. Certain provisions of the Turkish Commercial Code are contradictory with the insurance protections legality based on the interest that eventually materializes. According to TCC Article 1408, a contract is void if the insured interest did not exist at the time it was drafted. Floating insurance contracts, on the other hand, do not have an insured interest at the time the contract is concluded. Based on the Turkish Commercial Codes fundamental principles, this condition gives rise to the notion that floating insurance contracts cannot be legally concluded. In actuality, contracts for floating insurance are often reached, and decisions from the courts are made on legal disputes originating from these agreements. The doctrine has also drawn attention to this inconsistency with floating insurance contracts. The studies on this topic all agree that contracts for floating insurance ought to be regulated. Aside from this, it is evident that the writers that tackled the problem offered several solutions that occasionally overlap and sometimes do not contradict one another. A recommendation for a solution will be provided once an assessment of the study is conducted using the doctrines opinions and court rulings as references.

 Abonman sigorta sözleşmeleri, sigortalanan menfaatin sözleşmenin akdedilmesi anında henüz mevcut olmadığı sözleşmelerdir. Bu sözleşmeler, uygulamadaki ihtiyaca göre sıklıkla akdedilmekte olan sözleşmelerdir. Bu ihtiyaç doğrultusunda sigorta konusu menfaat somutlaştığında sigorta ettirenin yapacağı bildirimle sigorta himayesi ortaya çıkmaktadır. Sigorta himayesinin sonradan somutlaşan menfaate göre geçerli olması Türk Ticaret Kanunundaki bazı kurallarla uyumlu değildir. TTK m. 1408 hükmü, sigorta konusu menfaatin sözleşmenin başlangıcında mevcut olmamasını geçersizliğe bağlamıştır. Fakat, abonman sigorta sözleşmelerinde de sigorta konusu menfaat sözleşmenin akdedilmesi anında yoktur. Bu durum, abonman sigorta sözleşmelerinin Türk Ticaret Kanununun getirdiği ilkeler doğrultusunda geçerli olarak akdedilemeyeceği düşüncesini yaratmaktadır. Abonman sigorta sözleşmeleri ise uygulamada sıklıkla akdedilmekte, bu sözleşmelerden kaynaklanan uyuşmazlıklar da yargı kararlarına konu olmaktadır. Abonman sigorta sözleşmeleriyle ilgili bu çelişki, öğretide de dikkat çekmiştir. Bu konuyla ilgili yapılan çalışmalarda ortak nokta, abonman sigorta sözleşmelerinin bir düzenlemeye kavuşturulması gerektiği yönündedir. Bunun dışında, konuyu ele alan yazarların kısmen örtüşen ve bazı hususlarda da birbirini dışlamayan farklı çözümler getirdiği görülmektedir. Bu çalışmada, öğretideki görüşler ve yargı kararlarına da temas etmek suretiyle bir değerlendirme yapılacak ve konuya dair bir çözüm önerisi sunulacaktır.

Makale detayları

EVALUATION of FLOATING INSURANCE CONTRACTS in CONTEXT of ARTICLE 1408 of TURKISH COMMERCIAL CODE

Yazarlar:

Aydin Alber Yüce

Yayıncı:

Kirikkale University

Ana Başlıklar:

Özel Sigorta Hukuku | Ticaret Hukuku (Diğer)

Dergi:

Kırıkkale Hukuk Mecmuası Vol.3 Issue 2, pp.357-374

Belge Tipi:

Makale

Yayın Tarihi:

10/2023

Belge Dili:

Türkçe

Document ID (Org No.):

2001288145

pISSN:

2757-9964

Insurance

insurance contract

interest

lack of interest

nullitySigorta

sigorta sözleşmesi

menfaat

menfaat yokluğu

hükümsüzlük

Sayı

Makale detayları

Yazarlar: Aydin Alber Yüce

Yayıncı: Kirikkale University

Ana Başlıklar: Özel Sigorta Hukuku | Ticaret Hukuku (Diğer)

Dergi: Kırıkkale Hukuk Mecmuası Vol.3 Issue 2, pp.357-374

Belge Tipi: Makale

Yayın Tarihi: 10/2023

Belge Dili: Türkçe

Document ID (Org No.): 2001288145

pISSN: 2757-9964

Sayı

Yazarlar:

Aydin Alber Yüce

Yayıncı:

Kirikkale University

Ana Başlıklar:

Özel Sigorta Hukuku | Ticaret Hukuku (Diğer)

Dergi:

Kırıkkale Hukuk Mecmuası Vol.3 Issue 2, pp.357-374

Belge Tipi:

Makale

Yayın Tarihi:

10/2023

Belge Dili:

Türkçe

Document ID (Org No.):

2001288145

pISSN:

2757-9964