Implementation and Legal Regulation of Electronic Insurance in Ukraine

In the article, the authors studied the essence of electronic insurance as a method of providing insurance services through the Internet, and also identified the main directions of its implementation. Special attention was paid to the benefits of electronic insurance for both the insurer and the consumer (the insured). When studying the issue of implementing electronic insurance in Ukraine, the regulatory framework was studied by which relations in the provision of insurance services through the Internet in Ukraine are regulated. Defining the forms for concluding an insurance contract that are admissible in accordance with the Ukrainian legislation, attention was focused on the new form, namely, using information and telecommunication systems, which is also used in electronic insurance. The characteristic features of the procedure for concluding electronic contracts were considered. Particular attention was paid to the legal regulation of the use of electronic signatures in accordance with the norms of Ukrainian legislation and standards of the European Union. The essence of the insurance policy was defined as a mandatory document for electronic insurance of civil liability of owners of land vehicles.