beta
(영문) 서울중앙지방법원 2014.11.28 2013가합15888

보험금

Text

1. The plaintiff's claim is dismissed.

2. The costs of lawsuit shall be borne by the Plaintiff.

Reasons

1. Basic facts

A. The Plaintiff entered into an insurance contract, etc. of this case and its contents 1) on June 7, 201, with the Defendant from June 1, 2011 to June 1, 2012 of the insurance period, and from June 1, 2012, with the Plaintiff, on October 1, 2007 (for an accident exceeding KRW 1.7 billion per accident, from June 1, 2010, for an accident exceeding KRW 5 billion per year’s total loss, from June 1, 2010, for an accident exceeding KRW 5 billion per accident, from June 1, 2011, for an accident exceeding KRW 10 billion per year’s total loss, from June 1, 2011, from KRW 4 billion per insurance premium, KRW 2.0 billion per insurance accident per each collateral provision, and KRW 2,000,000 per year’s total amount of damages, each of the instant terms and conditions of the instant insurance contract applies to the Plaintiff.

(1) The Defendant concluded the instant insurance contract, along with the instant insurance contract on the same day, to “the instant liability insurance contract for specialized services at financial institutions” (hereinafter “instant liability insurance contract”).

2) The terms and conditions of the insurance contract of this case cover security clauses, general definition clauses, exemption clauses, general terms and conditions, and special terms and conditions.

The main terms and conditions of the instant insurance contract and the instant liability insurance contract are as follows.

Security Clause of the Insurance Contract of this case

1. 종업원의 비행(Fidelity) Loss resulting solely and directly from dishonest or fraudulent acts by Employees of the Assured Committed with the manifest intent to cause the Assured to sustain such loss or to obtain a financial gain for themselves wherever committed and whether committed alone or in collusion with others, including loss of Property through any such acts by Employees. Notwithstanding the foregoing, it is agreed that with regard to trading or other dealings in securities, commodities, futures, options, currencies, foreign exchange and the like, and loans, transactions in the nature of a loan or other extensions of credit this policy covers only...