Withdrawal from a Distance Contract for Insurance Coverage

The multi-stakeholder nature of group insurance contracts triggers various types of connections between the actors in this legal relationship. This is best illustrated by the contract for insurance coverage, which is a separate agreement transacted between the insured and policyholder, but intrinsically linked with group insurance. The aim of this article is to discuss the selected aspects of contracts for insurance coverage. Particular emphasis is put on the insured’s right to withdraw from the contract if it was concluded by means of distance communication. The considerations in this respect include examples deriving from case-law practice, i.e. the decision of the President of the Office of Competition and Consumer Protection No. DDK-2/2014 of 16 October 2014 and the judgment of the Court of Competition and Consumer Protection (SOKiK) of 18 May 2018, reference number Act. XVII AmA 4/15 dismissing an appeal against the abovementioned decision.


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