1. All appeals filed by the plaintiffs are dismissed.

2. The costs of appeal are assessed against the Plaintiffs.

Purport of claim and appeal

1.

1. The reasoning of the court's explanation concerning this case is as follows, except for the case's "3." part from 5th to 13th 9th 13th s. of the judgment of the court of first instance" is as stated in the reasoning of the judgment of the court of first instance. Thus, it is acceptable in accordance with the main sentence of Article 420 of the Civil Procedure Act.

2. Determination

A. The insurer and the person engaged in the conclusion or solicitation of the insurance contract under Article 638-3(1) of the Commercial Act and Article 3 of the Regulation of Standardized Contracts Act as the subject matter of the duty to explain and explain, and (1) the defendant's implementation thereof, are obligated to explain specific and detailed details of the important contents of the insurance contract, such as the content of the insurance contract, the insurance premium rate system, changes in the entries in the written subscription, and the insurer's reasons for exemption. Thus, if the insurer concludes the insurance contract in violation of such duty to explain, it cannot be asserted that the content of the terms of the contract is the content of the insurance contract.

(See Supreme Court Decision 2004Da26164, 26171, Dec. 9, 2005, etc.). The exemption provision of this case does not compensate for any damage incurred during the course of boarding a vessel on duty. It is clear that the deceased constitutes an important matter subject to the duty to explain, as the accident of this case occurred in the course of boarding the fishing vessel of this case.

(2) Next, we examine whether the Defendant fulfilled the duty to explain the instant exemption provision.

In full view of the evidence Nos. 5-1, 2, Eul evidence Nos. 6-1 through 3, Eul evidence Nos. 8, Eul evidence Nos. 10, Eul evidence Nos. 12-1, 2, Eul evidence Nos. 15, Eul evidence Nos. 15, Eul evidence Nos. 1, 15, and the whole purport of the arguments as a result of the written appraisal by the witness E and the witness Q of the first instance trial, the following facts may be acknowledged:

(1) E entered into each of the instant insurance contracts.