Avrupa ve Amerika`daki uygulamalar ışığında Türkiye`de mamul mal sorumluluk sigortaları

Abstract

79 guidelines with minimum and maximum rates. The Danish and Italian insurers have entrusted the rating of new policies to a central committee. In 1973 the Norwegian Association brought out a Products Liability tariff. In 1976 the French `Groupement Technique Accidents` suggested rating guideliness with minimum and maximum rates for medium-sized and small companies in 12 trades. PART V VI - THE CASES WHICH TURKISH INSURANCE COMPANIES MUST TAKE CARE A - Summary of Conclusions In concluding, the main considerations for the under writing of products liability insurance may be listed as follows : 1- The products risk is a typical liability risk which should indeed only be assessed and covered in conunc- tion with the other liability exposures of the insu red, but which requires special treatment as regards policy conditions and in particular rating. 2- The premium, basis should be a quantity which reflects the development of the risk, aş for example total turnover. 3- A saticfactory tariff classification requires compre hensive pooling of experience. Even the best tariff should not, however, be applied schematically;80 individual judgment of the risk taking into account all relevant circumstances is of decisive importance. 4- The cover should be granted for a precisely defined production programme; to avoid anti-selection the whole range of the insured's products should beinsured. 5- In the face of the insured's requirement of ever-inc reasing amounts of cover the insurer must take care to make a realistic evaluation of his own capacity and that of the market. 6- As the danger of a claims series cannot be satisfac torily restricted solely by clauses defining such series as one occurrence, the introduction of aggregate limits per period of insurance or even per policy is indispensable. 7- For practical reasons and in order to protect the in surer against loss situations being `rolled back` af ter expiration of the policy, products liability insu rances should be concluded on a loss occurrence basis, which can be combined with the causation theory and the claims made «basis.