Ugovor o osiguranju sposobnosti vraćanja kredita

Abstract

Iako prilično rasprostranjeno u praksi domaćih banaka, osiguranje sposobnosti vraćanja kredita predstavlja nepoznanicu za prosečnog potrošača finansijskih usluga. Autorka nastoji da objasni mehanizam tog proizvoda osiguranja, sa akcentom na potencijalno negativne strane uočene u domaćoj praksi osiguranja. Budući da iznosi dovoljno argumenata u prilog tvrdnje da je korisnik kredita ugroženi potrošač, radi unapređenja domaćeg prava, autorka predlaže da se uvede štedna komponenta u osiguranje sposobnosti vraćanja kredita koje pokriva rizik smrti osiguranika. Autorka se zalaže i za unapređenje osiguravajuće zaštite u smislu obuhvatanja platežne sposobnosti osiguranika uopšte, a ne samo u vezi sa vraćanjem potrošačkog kredita. Autorka zaključuje da je osiguranje sposobnosti vraćanja kredita u srpskoj praksi osiguranja trenutno visokorizičan posao, zaključen protivno interesima osiguranika. Stoga je neophodna revizija uslova osiguranja domaćih osiguravača i obvezivanje banaka na poštovanje zakonskih obaveza, a najpre obaveze informisanja.

Although fairly widespread in the practice of domestic banks, payment protection insurance represents something very unknown to the average consumer of financial services. Author intends to explain mechanism of mentioned product of insurance with emphasis on potential negative effects notices in the practice of insurance. Since the author gives enough arguments in favour of the statement that credit consumer is vulnerable consumer she proposes the introduction of saving component in payment protection insurance which covers death of the insured person. The point is to harmonize our law with comparative law. In order to secure better protection of insured it is recommended to expand insurance coverage. Author concludes that payment protection insurance currently represents highly risky transaction in Serbian practice of insurance, concluded contrary to the interests of insured. It is necessary to revise the general conditions of insurance of domestic insurers as well as oblige banks to meet legal obligations, especially the duty to inform insured.