‫ﺍﻟﻤﺆﺗﻤﺮ ﺍﻟﺪﻭﻟﻲ ﺍﻟﺜﺎﻧﻲ ﻭﺍﻟﻌﺸﺮﻭﻥ‬
‫ﺍﻟﺠﻮﺍﻧﺐ ﺍﻟﻘﺎﻧﻮﻧﻴﺔ ﻟﻠﺘﺄﻣﻴﻦ ﻭﺍﺗﺠﺎﻫﺎﺗﻪ ﺍﻟﻤﻌﺎﺻﺮﺓ‬
Twenty-Second International Annual Conference on
“Legal Aspects of Insurance & Its Contemporary Trends”
5-7May 2014
:‫ﺍﻟﻤﻘﺪﻣﺔ‬
Introduction:
The College of Law continues its annual
conferences uninterrupted, as it seeks to
promote openness to the community and
address its contemporary legal issues in an
increasingly complex environment as a result of
the continuous and sustainable development in
the UAE.
‫ﺘواﺼل ﻜﻠﻴﺔ اﻝﻘﺎﻨون ﻤؤﺘﻤراﺘﻬﺎ اﻝدورﻴﺔ دون‬
‫ إذ ﺘﺴﻌﻰ إﻝﻰ ﺘﻌزﻴز اﻻﻨﻔﺘﺎح ﻋﻠﻰ اﻝﻤﺠﺘﻤﻊ‬،‫اﻨﻘطﺎع‬
‫اﻝﻤﺤﻠﻲ وﻤﻌﺎﻝﺠﺔ ﻗﻀﺎﻴﺎﻩ اﻝﻘﺎﻨوﻨﻴﺔ اﻝﻤﻌﺎﺼرة واﻝﺘﻲ‬
‫ ﺒﺴﺒب اﻝﺘﻨﻤﻴﺔ اﻝﻤﺴﺘﻤرة‬،‫ﺘزداد ﺘﻌﻘﻴداً ﻴوﻤﺎً ﺒﻌد ﻴوم‬
‫ وﻝﻌل ﻗﻀﺎﻴﺎ اﻝﺘﺄﻤﻴن‬.‫واﻝﻤﺴﺘداﻤﺔ ﻓﻲ دوﻝﺔ اﻹﻤﺎرات‬
Perhaps the issues of insurance against risks
of all kinds constitute recurring issues, although
the concept of insurance is not new, new forms
of insurance emerge almost every day.
Jurisprudence is now talking about risk
insurance and the use of electronic/digital
system and insurance against environmental
pollution, natural disasters that multiply
exponentially, the UAE was not remote from
these developments. In fact, local and
international companies cover risks in all forms
including compulsory insurance, life insurance,
and liability insurance for damages. The
number of companies operating in the UAE
reached sixty-one (61) companies, including
thirty-four (34) national insurance companies,
twenty-seven (27) foreign companies, among
them eleven (11) national companies that work
in the field of insuring individuals, capital,
property, and two foreign companies working
within their competence, the rest of the national
and foreign companies operate in the property
insurance and liability insurance. The number
of insurance agents reached (11) and the
number of insurance brokers (170) including
(163) national and (7) foreign.
،‫ ﺘﺸﻜل ﻗﻀﺎﻴﺎ ﻤﺘﺠددة‬،‫ ﺒﻜل أﻨواﻋﻪ‬،‫ﻀد اﻝﻤﺨﺎطر‬
‫ وﺘظﻬر أﺸﻜﺎل ﺠدﻴدة‬،‫ﻋﻠﻰ اﻝرﻏم ﻤن ﻗدم ﻓﻜرة اﻝﺘﺄﻤﻴن‬
‫ ﻴﺘﺤدث اﻝﻔﻘﻪ اﻵن ﻋن اﻝﺘﺄﻤﻴن ﻀد‬.ً‫ﻝﻠﺘﺄﻤﻴن ﻴوﻤﻴﺎ‬
‫اﻝﻤﺨﺎطر اﻻﻝﻜﺘروﻨﻴﺔ واﺴﺘﺨدام اﻝﻨظﺎم اﻝرﻗﻤﻲ وﻋن‬
‫اﻝﺘﺄﻤﻴن ﻀد اﻝﺘﻠوث اﻝﺒﻴﺌﻲ واﻝﻜوارث اﻝطﺒﻴﻌﻴﺔ اﻝﺘﻲ‬
‫ وﻝم ﺘﻜن دوﻝﺔ اﻹﻤﺎ ارت ﺒﻌﻴدة ﻋن‬،‫ﺘﺘﻀﺎﻋف ﻴوﻤﻴ ًﺎ‬
‫ﻫذﻩ اﻝﺘطورات؛ إذ ﺘﻘوم ﺸرﻜﺎت ﻤﺤﻠﻴﺔ وﻋﺎﻝﻤﻴﺔ ﺒﺘﻐطﻴﺔ‬
‫اﻝﻤﺨﺎطر ﺒﻜﺎﻓﺔ أﺸﻜﺎﻝﻬﺎ ﻤن اﻝﺘﺄﻤﻴن اﻹﻝزاﻤﻲ إﻝﻰ‬
‫اﻝﺘﺄﻤﻴن ﻋﻠﻰ اﻝﺤﻴﺎة واﻝﺘﺄﻤﻴن ﻀد اﻝﻤﺴؤوﻝﻴﺔ ﻋن‬
‫ وﺒﻠﻐت اﻝﺸرﻜﺎت اﻝﻌﺎﻤﻠﺔ ﻓﻲ اﻝدوﻝﺔ إﺤدى‬.‫اﻷﻀرار‬
(٢٧)‫( ﺸرﻜﺔ ﺘﺄﻤﻴن وطﻨﻴﺔ و‬٣٤) ‫وﺴﺘﻴن ﺸرﻜﺔ ﻤﻨﻬﺎ‬
‫( ﺸرﻜﺔ وطﻨﻴﺔ ﻓﻲ ﻤﺠﺎل‬١١) ‫ ﺘﻌﻤل‬،‫ﺸرﻜﺔ أﺠﻨﺒﻴﺔ‬
،‫ وﻋﻤﻠﻴﺎت ﺘﻜوﻴن اﻷﻤوال‬،‫اﻝﺘﺄﻤﻴن ﻋﻠﻰ اﻷﺸﺨﺎص‬
‫( أﺠﻨﺒﻴﺘﺎن ﺘﻌﻤﻼن ذات‬٢)‫ و‬،‫وﺘﺄﻤﻴن اﻝﻤﻤﺘﻠﻜﺎت‬
‫ أﻤﺎ ﺒﺎﻗﻲ اﻝﺸرﻜﺎت اﻝوطﻨﻴﺔ واﻷﺠﻨﺒﻴﺔ‬،‫اﻻﺨﺘﺼﺎص‬
.‫ﻓﺘﻌﻤل ﻓﻲ ﺘﺄﻤﻴن اﻝﻤﻤﺘﻠﻜﺎت واﻝﺘﺄﻤﻴن ﻤن اﻝﻤﺴؤوﻝﻴﺔ‬
‫( وﻜﻴﻼً وﻋدد وﺴطﺎء‬١١) ‫وﺒﻠﻎ ﻋدد وﻜﻼء اﻝﺘﺄﻤﻴن‬
1
‫ﺍﻟﻤﺆﺗﻤﺮ ﺍﻟﺪﻭﻟﻲ ﺍﻟﺜﺎﻧﻲ ﻭﺍﻟﻌﺸﺮﻭﻥ‬
‫ﺍﻟﺠﻮﺍﻧﺐ ﺍﻟﻘﺎﻧﻮﻧﻴﺔ ﻟﻠﺘﺄﻣﻴﻦ ﻭﺍﺗﺠﺎﻫﺎﺗﻪ ﺍﻟﻤﻌﺎﺻﺮﺓ‬
Twenty-Second International Annual Conference on
“Legal Aspects of Insurance & Its Contemporary Trends”
5-7May 2014
(٧) ‫( وﺴﻴطﺎً وطﻨﻴﺎً و‬١٦٣) ،ً‫( وﺴﻴطﺎ‬١٧٠) ‫اﻝﺘﺄﻤﻴن‬
The total funds invested in the insurance
industry in the UAE, in 2011, amounts to 25.6
billion Dirhams divided into 45.2% in stocks
and 34.6% in deposits. Shareholders' equity in
the national insurance companies 14.01 billion
Dirhams, and technical provisions amounted to
insurance for all branches of 14.9 billion
Dirhams, and the size of the premiums for all
branches of insurance (AED) 24 billion in 2011.
The United Arab Emirates Government issued a
law establishing an independent insurance
authority to regulate the insurance sector under
Law No.6 for the year 20072 to oversee the
insurance sector and its governing regulations.
‫ وﺒﻠﻐت اﻷﻤوال اﻝﻤﺴﺘﺜﻤرة ﻓﻲ ﻤﺠﺎل‬.‫وﺴطﺎء أﺠﺎﻨب‬
‫ ﻤﻠﻴﺎر درﻫم‬٢٥,٦ ، ٢٠١١ ‫اﻝﺘﺄﻤﻴن ﻓﻲ اﻝدوﻝﺔ ﻝﻌﺎم‬
‫ ﻓﻲ‬%٣٤,٦ ‫ ﻓﻲ اﻷﺴﻬم و‬%٤٥,٢ ‫ﺘرﺘﻜز ﺒﻨﺴﺒﺔ‬
‫ ﺒﻠﻐت ﺤﻘوق اﻝﻤﺴﺎﻫﻤﻴن ﻓﻲ ﺸرﻜﺎت اﻝﺘﺄﻤﻴن‬.‫اﻝوداﺌﻊ‬
‫ وﺒﻠﻐت اﻝﻤﺨﺼﺼﺎت‬،‫ ﻤﻠﻴﺎر درﻫم‬١٤,٠١ ‫اﻝوطﻨﻴﺔ‬
‫ وﺒﻠﻐت‬،‫ ﻤﻠﻴﺎر درﻫم‬١٤,٩ ‫اﻝﻔﻨﻴﺔ ﻝﺠﻤﻴﻊ ﻓروع اﻝﺘﺄﻤﻴن‬
‫ ﻤﻠﻴﺎر درﻫم‬٢٤ ‫ﺤﺠم اﻷﻗﺴﺎط ﻝﺠﻤﻴﻊ ﻓروع اﻝﺘﺄﻤﻴن‬
‫ وﻗد أﺼدرت دوﻝﺔ اﻹﻤﺎرات اﻝﻌرﺒﻴﺔ‬.٢٠١١ ‫ﻝﻌﺎم‬
Therefore, the College of Law deemed
insurance a worthy subject for its Twenty- ‫اﻝﻤﺘﺤدة ﻗﺎﻨوﻨﺎً ﺒﺈﻨﺸﺎء ﻫﻴﺌﺔ ﺘﺄﻤﻴن ﻤﺴﺘﻘﻠﺔ ﻝﺘﻨظﻴم ﻗطﺎع‬
Second International Annual Conference in ١ ٢٠٠٧ ‫( ﻝﺴﻨﺔ‬٦) ‫اﻝﺘﺄﻤﻴن ﻓﻲ اﻝدوﻝﺔ ﺘﺤت رﻗم‬
order to achieve the following objectives:
‫ﺘﺘوﻝﻰ اﻻﺸراف ﻋﻠﻰ ﻗطﺎع اﻝﺘﺄﻤﻴن ٕواﺼدار اﻝﻠواﺌﺢ‬
.‫اﻝﺘﻨظﻴﻤﻴﺔ ﺒﺸﺄﻨﻪ‬
- Overview the latest developments in
insurance-
- Address legal
insurance
problems
raised
‫ﻤن أﺠل ذﻝك وﺠدت ﻜﻠﻴﺔ اﻝﻘﺎﻨون اﻝﺘﺄﻤﻴن‬
by
‫ﻤوﻀوﻋﺎً دﺴﻤﺎً ﻝﻴﻘﻊ اﺨﺘﻴﺎرﻫﺎ ﻋﻠﻴﻪ ﻓﻲ ﻤؤﺘﻤرﻫﺎ اﻝﺜﺎﻨﻲ‬
- Urge researchers to focus on the subject
of insurance
:‫واﻝﻌﺸرﻴن؛ ﺑﻐﻴﺔ ﺗﺤﻘﻴﻖ ﺍﻷﻫﺪﺍﻑ ﺍﻵﺗﻴﺔ‬
.‫ اﻻطﻼع ﻋﻠﻰ آﺨر اﻝﻤﺴﺘﺠدات ﻓﻲ اﻝﺘﺄﻤﻴن‬-
- Focus on Mutual Insurance
.‫ ﻤﻌﺎﻝﺠﺔ اﻝﻤﺸﺎﻜل اﻝﻘﺎﻨوﻨﻴﺔ اﻝﺘﻲ ﻴﺜﻴرﻫﺎ اﻝﺘﺄﻤﻴن‬-
- Raise Legal Awareness on the Importance
of Insurance for the Community
.‫ ﺤث اﻝﺒﺎﺤﺜﻴن ﻋﻠﻰ اﻻﻫﺘﻤﺎم ﺒﻤوﻀوع اﻝﺘﺄﻤﻴن‬-
- Lessons
learned
from
Developed
Countries on the subject of Insurance
.‫ اﻝﺘرﻜﻴز ﻋﻠﻰ اﻝﺘﺄﻤﻴن اﻝﺘﻜﺎﻓﻠﻲ‬-
- Review and Assess Federal and Local
‫ واﻝﺼﺎدر ﻋن ﻫﻴﺌﺔ‬٢٠١١ ‫راﺠﻊ ﻓﻲ ﺘﻔﺎﺼﻴل ذﻝك اﻝﺘﻘرﻴر اﻝﺴﻨوي ﻋن ﻨﺸﺎط ﻗطﺎع اﻝﺘﺄﻤﻴن ﻓﻲ دوﻝﺔ اﻹﻤﺎرات اﻝﻌرﺒﻴﺔ اﻝﻤﺘﺤدة ﻝﻌﺎم‬
www.ia.gov.ae :‫ اﻝﻤوﻗﻊ اﻻﻝﻜﺘروﻨﻲ‬، ‫اﻝﺘﺄﻤﻴن‬
2
See the details of the annual report on the activity of the Insurance sector in the United Arab Emirates in 2011 and
issued by the Insurance Authority; Official website: www.ia.gov.ae
2
١
‫ﺍﻟﻤﺆﺗﻤﺮ ﺍﻟﺪﻭﻟﻲ ﺍﻟﺜﺎﻧﻲ ﻭﺍﻟﻌﺸﺮﻭﻥ‬
‫ﺍﻟﺠﻮﺍﻧﺐ ﺍﻟﻘﺎﻧﻮﻧﻴﺔ ﻟﻠﺘﺄﻣﻴﻦ ﻭﺍﺗﺠﺎﻫﺎﺗﻪ ﺍﻟﻤﻌﺎﺻﺮﺓ‬
Twenty-Second International Annual Conference on
“Legal Aspects of Insurance & Its Contemporary Trends”
5-7May 2014
Legislations in the UAE on Insurance
.‫ ﻨﺸر اﻝوﻋﻲ اﻝﻘﺎﻨوﻨﻲ ﺒﺸﺄن أﻫﻤﻴﺔ اﻝﺘﺄﻤﻴن ﻝﻠﻤﺠﺘﻤﻊ‬-
- Address the problems of insurance against
‫ اﻻطﻼع ﻋﻠﻰ ﺘﺠﺎرب اﻝدول اﻝﻤﺘﻘدﻤﺔ ﻓﻲ ﻤوﻀوع‬natural disasters and pollution
.‫اﻝﺘﺄﻤﻴن‬
Also, the conference will address the
following insurance related themes:
‫ ﻤراﺠﻌﺔ وﺘﻘﻴﻴم اﻝﺘﺸرﻴﻌﺎت اﻻﺘﺤﺎدﻴﺔ واﻝﻤﺤﻠﻴﺔ ﻓﻲ‬.‫دوﻝﺔ اﻹﻤﺎرات اﻝﻌرﺒﻴﺔ اﻝﻤﺘﺤدة ﺒﺸﺄن اﻝﺘﺄﻤﻴن‬
-
International Insurance Rules and the
Fundamentals of the Work of ‫ ﻤﻌﺎﻝﺠﺔ ﻤﺸﺎﻜل اﻝﺘﺄﻤﻴن ﻀد اﻝﻜوارث اﻝطﺒﻴﻌﻴﺔ‬Insurance Companies and Insurance
.‫واﻝﺘﻠوث‬
Brokers
-
Insurance Model Contracts
Consumer Protection
-
Insurance against Work Injuries
-
Health Insurance
-
Insurance against Air, Maritime, and
Ground Transportation Risks
-
Insurance against Risks related to
Sports
-
-
:‫ﻛﻤﺎ ﻭﻳﻌﺎﻟﺞ ﻣﺆﺗﻤﺮ ﺍﻟﺘﺄﻣﻴﻦ ﺍﻟﻤﺤﺎﻭﺭ ﺍﻵﺗﻴﺔ‬
and
‫ أﺴس ﻋﻤل ﺸرﻜﺎت اﻝﺘﺄﻤﻴن ووﻜﻼء اﻝﺘﺄﻤﻴن‬.‫واﻝوﺴطﺎء واﻝرﻗﺎﺒﺔ ﻋﻠﻴﻬﺎ‬
.‫ ﻋﻘود اﻝﺘﺄﻤﻴن اﻝﻨﻤوذﺠﻴﺔ وﺤﻤﺎﻴﺔ اﻝﻤﺴﺘﻬﻠك‬.‫ اﻝﺘﺄﻤﻴن ﻀد إﺼﺎﺒﺎت اﻝﻌﻤل‬.‫ اﻝﺘﺄﻤﻴن اﻝﺼﺤﻲ‬-
Insurance against the pollution of ‫ اﻝﺘﺄﻤﻴن ﻀد ﻤﺨﺎطر اﻝﻨﻘل اﻝﺠوي واﻝﺒﺤري‬nature and environmental pollution
.‫واﻝﺒري‬
against nuclear radiation & chemicals
.‫ اﻝﺘﺄﻤﻴن ﻀد ﻤﺨﺎطر اﻷﻝﻌﺎب اﻝرﻴﺎﻀﻴﺔ‬Insurance against the risks of the use of
digital (electronic) space
‫ اﻝﺘﺄﻤﻴن ﻀد ﺘﻠوث اﻝطﺒﻴﻌﺔ واﻝﺘﻠوث اﻝﺒﻴﺌﻲ‬Social Security System
.‫ﻀد اﻻﺸﻌﺎﻋﺎت اﻝﻨووﻴﺔ واﻝﻜﻴﻤﻴﺎﺌﻴﺔ‬
Mutual Insurance in the Sharia and
‫ اﻝﺘﺄﻤﻴن ﻀد ﻤﺨﺎطر اﺴﺘﺨدام اﻝﻔﻀﺎء اﻝرﻗﻤﻲ‬Law
(‫)اﻻﻝﻜﺘروﻨﻲ‬
.‫ ﻨظﺎم اﻝﻀﻤﺎن اﻻﺠﺘﻤﺎﻋﻲ‬‫ اﻝﺘﺄﻤﻴن اﻝﺘﻜﺎﻓﻠﻲ )اﻝﺘﺒﺎدﻝﻲ( ﻓﻲ اﻝﺸرﻴﻌﺔ‬.‫واﻝﻘﺎﻨون‬
3
‫ﺍﻟﻤﺆﺗﻤﺮ ﺍﻟﺪﻭﻟﻲ ﺍﻟﺜﺎﻧﻲ ﻭﺍﻟﻌﺸﺮﻭﻥ‬
‫ﺍﻟﺠﻮﺍﻧﺐ ﺍﻟﻘﺎﻧﻮﻧﻴﺔ ﻟﻠﺘﺄﻣﻴﻦ ﻭﺍﺗﺠﺎﻫﺎﺗﻪ ﺍﻟﻤﻌﺎﺻﺮﺓ‬
Twenty-Second International Annual Conference on
“Legal Aspects of Insurance & Its Contemporary Trends”
5-7May 2014
:‫ ﻗﻮﺍﻋﺪ ﺍﻟﻤﺸﺎﺭﻛﺔ ﻓﻲ ﺍﻟﻤﺆﺗﻤﺮ‬:ً‫ﺛﺎﻟﺜﺎ‬
Rules of Participation in the Conference:
1.
The research paper must be directly related ‫أن ﺘﺘﻌﻠق اﻝورﻗﺔ ﺒﻤﺤﺎور اﻝﻤؤﺘﻤر وﺘرﻜز ﻋﻠﻰ‬
to the themes of the conference and it must
‫ﻨﻘطﺔ ﻤﺤددة وواﻀﺤﺔ دون اﻝﺨوض ﻓﻲ ﺸرح‬
focus on a clear and specific point without
.‫اﻝﻘواﻋد اﻝﻌﺎﻤﺔ‬
tedious explaining of the general rules.
.١
2.
The researcher must not have participated ‫أن ﻻﻴﻜون اﻝﺒﺎﺤث ﻗد ﺴﺒق وﺸﺎرك ﻓﻲ ورﻗﺘﻪ‬
with his paper in a previous conference or
‫ﺒﻤؤﺘﻤر أو ﻨدوة أو ﺘﻜون ﻤﺴﺘﻠﺔ ﻤن رﺴﺎﻝﺔ أو ﻤن‬
seminar; the paper should not be drawn
from a dissertation or a book, or already ‫ أو ﺴﺒق ﻨﺸرﻫﺎ ﻓﻲ دورﻴﺔ ﻤﻊ ﺘﻘدﻴم إﻗرار‬،‫ﻜﺘﺎب‬
published in a journal with approval to do
.‫ﺒذﻝك‬
so.
.٢
3.
The paper must not exceed twenty-five (25)
‫ﺘﻘدم اﻝورﻗﺔ ﻗﺒل ﺸﻬرﻴن ﻤن ﺘﺎرﻴﺦ اﻨﻌﻘﺎد‬
pages.
4.
5.
.‫ﻻﺘزﻴد اﻝورﻗﺔ ﻋن ﺨﻤس وﻋﺸرﻴن ﺼﻔﺤﺔ‬
.‫اﻝﻤؤﺘﻤر‬
The paper should be submitted no later than
two (2) months before the date of the ‫ﺘرﺴل اﻝورﻗﺔ اﻝﻜﺘروﻨﻴﺎً ﻤﻊ ﻤﻠﺨص ﺒﺎﻝﻠﻐﺘﻴن‬
conference.
.٣
.٤
.٥
‫اﻝﻌرﺒﻴﺔ واﻻﻨﺠﻠﻴزﻴﺔ ﻤرﻓﻘﺎً ﺒﻬﺎ اﻝﺴﻴرة اﻝذاﺘﻴﺔ‬
Send the research paper electronically with
.‫ﻤﻌﺘﻤدة ﻤن اﻝﺠﻬﺔ اﻝﺘﻲ ﻴﻌﻤل ﻝدﻴﻬﺎ‬
an executive summary in English and
Arabic with CV attached and accredited by ‫ اﻝﻌرﺒﻴﺔ واﻻﻨﺠﻠﻴزﻴﺔ‬:‫ﺘﻘﺒل اﻷوراق ﺒﺎﻝﻠﻐﺎت‬
the parent organization.
.٦
.‫واﻝﻔرﻨﺴﻴﺔ‬
6.
Papers will be accepted in one of the
.‫ﻻﺘﻘﺒل اﻷوراق اﻝﻤﺸﺘرﻜﺔ‬
following languages: Arabic, English and
French.
‫ﺘﺨﻀﻊ اﻝورﻗﺔ إﻝﻰ ﺘﻘﻴﻴم ﻤن ﻝﺠﻨﺔ ﻋﻠﻤﻴﺔ‬
7.
Paper is subject to evaluation by the ‫ﻤﺸﻜﻠﺔ ﻤن أﻋﻀﺎء ﻫﻴﺌﺔ اﻝﺘدرﻴس اﻝﻤﺨﺘﺼﻴن‬
Scientific Committee composed of expert
.‫ﻓﻲ اﻝﻜﻠﻴﺔ‬
faculty members from the College of Law
at the United Arab Emirates University.
.‫ دﻗﻴﻘﺔ‬١٥ ‫ﻤدة ﻋرض اﻝورﻗﺔ ﻻ ﻴﺘﺠﺎوز‬
.٧
.٨
.٩
8. Each author will have a time window of ‫ ﺘﺘﻜﻔل ﻜﻠﻴﺔ اﻝﻘﺎﻨون ﻓﻲ ﺠﺎﻤﻌﺔ اﻹﻤﺎرات اﻝﻌرﺒﻴﺔ‬.١٠
fifteen (15) minutes to present his/her
‫اﻝﻤﺘﺤدة ﺒﺘذاﻜر اﻝﺴﻔر ﻋﻠﻰ اﻝدرﺠﺔ اﻝﺴﻴﺎﺤﻴﺔ‬
paper.
.‫وﻨﻔﻘﺎت اﻹﻗﺎﻤﺔ ﺨﻼل ﻓﺘرة اﻝﻤؤﺘﻤر‬
9.
The College of Law at the United Arab
Emirates University will cover the costs of
roundtrip economy class air tickets and
accommodation
expenses
during
conference days.
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‫ﺍﻟﻤﺆﺗﻤﺮ ﺍﻟﺪﻭﻟﻲ ﺍﻟﺜﺎﻧﻲ ﻭﺍﻟﻌﺸﺮﻭﻥ‬
‫ﺍﻟﺠﻮﺍﻧﺐ ﺍﻟﻘﺎﻧﻮﻧﻴﺔ ﻟﻠﺘﺄﻣﻴﻦ ﻭﺍﺗﺠﺎﻫﺎﺗﻪ ﺍﻟﻤﻌﺎﺻﺮﺓ‬
Twenty-Second International Annual Conference on
“Legal Aspects of Insurance & Its Contemporary Trends”
5-7May 2014
For Correspondence:
: ‫ﻝﻠﻤراﺴﻠﺔ‬
Twenty-Second International Annual
Conference on
‫اﻝﻤؤﺘﻤر اﻝدوﻝﻲ اﻝﺜﺎﻨﻲ واﻝﻌﺸرون‬
“Legal Aspects of Insurance & Its
Contemporary Trends”
United Arab Emirates University
College of Law
P.O. Box 15551, Al Ain, UAE
Tel: +971 3 713 5378
Fax: +971 3 713 4931
"‫"اﻝﺠواﻨب اﻝﻘﺎﻨوﻨﻴﺔ ﻝﻠﺘﺄﻤﻴن واﺘﺠﺎﻫﺎﺘﻪ اﻝﻤﻌﺎﺼرة‬
‫ﺠﺎﻤﻌﺔ اﻹﻤﺎرات اﻝﻌرﺒﻴﺔ اﻝﻤﺘﺤدة‬
١٥٥٥١ ‫ب‬.‫ ص‬- ‫ﻜﻠﻴﺔ اﻝﻘﺎﻨون اﻝﻌﻴن‬
(+٩٧١٣) ٧١٣٥٣٧٨ :‫ﻫﺎﺘف‬
(+٩٧١٣)٧١٣٤٩٣١ : ‫ﻓﺎﻜس‬
Email: [email protected]
[email protected] :‫اﻝﺒرﻴد اﻻﻝﻜﺘروﻨﻲ‬
Deadline to Receive Research Papers is
March 15, 2014
٢٠١٤/٣/١٥ ‫ث‬HIJK‫م ا‬NOPQ RSHT UV‫آ‬
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