ADAPTATION OF UKRAINIAN LEGISLATION TO EU LEGISLATION IN THE FIELD OF CONTRACTUAL INSURANCE RELATIONS

Ukrainian integration into the European Union (hereinafter referred to as the EU) is impossible without national legislation harmonization with the EU legislation being mandatory precondition of successful implementation of European aspirations of our state. However, the adaptation process, having started from the moment of entering into force of Partnership and co-operation agreement between the European communities and their member states, and Ukraine, 1 according to which the policy to the harmonization of national legislation with the EU legislation and law has been proclaimed, is not so easy, taking into account a large scope of normative material in all primary adaptation fields, one of them is the field of service provision, including insurance services. The daily life of the state in general, as well as its individual people, is accompanied by certain risks, that is why insurance as a category reflecting a special domain of society relations is one of the most efficient legal instruments ensuring the protection of property interests of natural persons and legal entities from possible costs and losses, caused by property damage or loss due to acts of God, road traffic accidents, nonperformance of obligations by counterparties to the agreement etc. At the same time, insurance as a necessary element of society socio-economic system is not only an institution of ensuring of property interest renewal of natural persons and legal entities due to certain life situations connected with sudden danger, but also one of the most stable source of long-term investment. It is determined by the fact that today there is a great necessity in insurance services along with other types of services. Currently, the legal regulation of relations in insurance service provision in Ukraine is carried out by Chapter 67 of the Civil Code of