Sport and insurance

Sport prate brojni rizici zbog kojih mogu da pretrpe štetu takmičari, ali i druga lica koja na direktan ili indirektan način učestvuju u odvijanju sportskih aktivnosti. Zaštita oštećenih može da se ostvari upotrebom različitih pravnih sredstava (garancija, jemstvo), a jedno od takvih je osiguranje. Sportsko osiguranje se, po pravilu, temelji na načelu dobrovoljnosti. Ipak, danas su sve prisutnija razmišljanja o potrebi uvođenja obaveznog osiguranja (od odgovornosti ili od posledica nesrećnog slučaja). U vezi sa tim, u radu su izložena, s jedne strane, pravila kojima se regulišu određene vrste obaveznog sportskog osiguranja, i, s druge strane, pravila kojima se, radi podizanja nivoa zaštite, propisuje obaveza informisanja o postojanju ugovora o osiguranju, ukoliko postoji obavezno sportsko osiguranje, odnosno o potrebi i mogućnosti da sportisti individualno zaključe ugovor o osiguranju (u slučaju kada osiguranje nije obavezno).Sport is accompanied by numeorous risks which could cause damage not just to athletes, but also to other persons who are directly or indirectly involved in sport activities. Their protection can be achieved using various remedies (warranty, guarantee), such as insurance. Sport insurance is usually based on a voluntary principle. However, the need for the intorduction of compulsory insurance (liability or accident) is recognized nowadays. In this regard, the paper deals with the rules governing certain types of compulsory sports insurance on the one hand, and the rules related to duty to inform on the existence of an insurance contract (in the case where compulsory sport insurance exists), or to inform athletes on the need and possibility to personally conclude insurance contract (in the case when insurance is not compulsory) on the other hand