The Study Of The Legal Protection Of The Insurance Consumer Rights

The protection of insurance consumer rights is an important topic. Around the masterstroke of protection of insurance consumer rights, the definition of insurance consumer is the beginning of the study. Insurance transaction has many particularities such as information asymmetry, interests conflict and so on. It’s realistic and necessary to provide insurance consumer with inclined protection, especially that the legal protection system of insurance consumer rights of our country is not perfect, there are problems with the definiteness of legislative, supervision mode, dispute settlement mechanism. In view of the above mentioned, we should comprehensively consider of the legislation principles for the protection of insurance consumer rights. By drawing lessons from the protection mechanism of insurance consumer rights of Britain and United States, we can strengthen the special path of the protection of insurance consumer rights, including obligation of informing and cooling-off period system and so on. In order to perfect the legal protection system of insurance consumer rights, we should make efforts from specific legislation of the protection of insurance consumer to transition of solvency regulation and so on.