المركز القانوني لوسيط التأمين الإلكتروني (دراسة مقارنة)

Legal Center for Electronic Insurance Broker ( A comparative study)

The use of electronic means, which was an inevitable result of technical development in the field of information and communications systems, had a significant impact on the insurance sector and achieved its desired goals in an optimal manner. Modern communication technologies have contributed to achieving the best insurance services and increased the competitiveness of insurance companies.
We can define an electronic insurance broker as (a computer program or any other electronic means through which an insurance contract is concluded over the Internet in exchange for installments or financial payments via electronic payment methods). The electronic insurance broker also has a set of characteristics, including independence and the ability to communicate with others and the ability On initiative and the ability to react. There are also some advantages that distinguish the electronic broker in general from some terms that are similar to it, such as distinguishing it from the representative and distinguishing it from the agent. Also, the electronic insurance broker is not entitled to practice his work as long as he fulfills some conditions, including those stipulated by the law, including obtaining a license and being of the same nature. A good reputation, and you must know the nature of the person who is the electronic insurance broker, if he is a legal entity, which lies in the computer program or is an electronic brokerage company, and how to answer and respond when questions are asked through the answering machine, or there may be an ordinary person who runs this company and answers the questions that may be raised. Electronic insurance customer. As for electronic insurance itself, we can define it as the contract by which the insurer commits to providing insurance coverage and the related offer, cooperation, and contracting via the Internet in exchange for installments or any other financial payment made by the insured through electronic payment methods. The insurance contract is characterized by many characteristics, including that it is an adhesion contract, by placing boxes on the website, and the customer has no choice but to click on the electronic boxes. As for the second characteristic, it is considered an electronic contract, which is carried out through an electronic program such as a computer and through Internet networks. As for the third characteristic It is considered a good faith contract, that is, it depends largely on mutual trust between the contracting parties. Electronic insurance is also surrounded by many cyber risks, which are manifested in many electronic attacks, by sending a virus that can breach insurance websites. This breach is managed and treated by establishing foundations. To repel these attacks, this is done by developing technical solutions, i.e. protection programs and alerts about the presence of risks to electronic insurance programs. We have also developed legal solutions to hold accountable and punish those who hack these programs. There are also rights and obligations for the electronic insurance broker, and among the important rights of the electronic insurance broker that cannot be waived, they are fixed rights for the insurance broker. Electronic rights, including the right of monopoly and the right of commission, as well as providing the necessary protection for these rights.