Legislator Case Law & Legislation
VakO 17.2.2000/4415:99 AI generated

Insurance court dismissed claim for additional premium due to insurer's failure to prove policyholder's age at policy inception.

Case Number VakO 17.2.2000/4415:99
Court / Authority
Jurisdiction Finland (FI)
Decision Date
Outcome Dismissed

Legislator summary

AI generated

The Insurance Court dismissed the policyholder's claim for an additional premium based on the insurer's failure to prove the policyholder's age at the time of policy issuance. The insurer argued that the policyholder was over the age limit when the contract was signed, while the policyholder contended that the age was unknown at that time. The court ruled that the burden of proof rested on the insurer, and without evidence establishing the policyholder's age at inception, the claim for additional premiums could not be sustained.

Legislator headnote

AI generated

Insurance Act 1993, s. 10; Insurance Contract Act 1993, s. 13: The insurer bears the burden of proving the policyholder's age at the time of contract formation; failure to provide such evidence precludes the insurer from claiming additional premiums based on age-related exclusions.

Keywords

AI generated
insurance contract formation burden of proof age additional premium claim policyholder age verification insurance court jurisdiction

Cited Legislation

AI generated
Insurance Act 1993, s. 10
Insurance Contract Act 1993, s. 13

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Full text

Jaosto:VIII Äänestys: 4-1