ЕКОНОМІЧНА КАТЕГОРІЯ «СТРАХОВИЙ ІНТЕРЕС» ЯК ТЕОРЕТИЧНА ДОМІНАНТНА СТРАХОВОЇ ПОСЛУГИ

Abstract

The basic category of insurance science, the insurance interest, what is the basis of the theoretical and practical implementation of insurance services, was analysed. Insurable interest is an element, which allows isolating insurance from gambling. There was a problem of the use of insurance services with the aim of obtaining inappropriate reimbursement in the early stages of development of insurance market. The insurance payment was not to compensate for possible losses, but to gain profit in the case of an insured event. The core of this problem is the similarity of the financial mechanism of insurance and betting. The policyholder, the same like the player, contributes a relatively small amount of money at the beginning of the contract, and can expect to receive a substantially higher amount from the insurer or bookmaker, in case of occurrence of specified events in the future. The first attempts of allocation of insurable interest in property insurance are specified. The Marine Insurance Act was adopted in 1746 in Britain. The necessity of its existence as a key element of insurance services is proved. The risks caused in case of its absence in the insurance service are clarified. The purpose of insurable interest principle is to prevent the conclusion of contracts with speculative or gambling nature by individuals, for whom insurance case does not entail any negative consequences. This study has allowed interpreting insurable interest in property insurance as an economic category, which determines the right to property which may be lost due to accidental case and determines the maximum size of insurance indemnity. A natural person has insurable interest in case, when loss or damage will cause a person to obtain a financial or other expressed in financial form losses, and is limited to the conditioned amount.