Povzetek: V članku so primerjana neodvisna osebna zavarovanja v slovenskem pravu in v Osnutku skupnega referenčnega okvira (DCFR). Evropsko pogodbeno pravo že danes zavzema pomembno vlogo v pravu skupnosti, ki pa se bo čez čas le še okrepila. DCFR je del tega procesa in prvi poskus celovite obravnave predvsem obligacijskopravnih institutov, pri čemer niso izključeni niti pogodbeni tipi, ki so tradicionalno predmet avtonomnega urejanja. Eden od teh je bančna garancija na prvi poziv, ki jo DCFR ureja skupaj z drugimi neodvisnimi osebnimi zavarovanji, OZ oziroma ZOR pa kot poseben pogodbeni tip. V prispevku so po posameznih elementih predstavljene razlike pa tudi podobnosti med ureditvijo neodvisnih osebnih zavarovanj v slovenskem pravu in v DCFR. Za vsakega od njih je podana natančna analiza pravic in obveznosti subjektov, udeleženih v razmerju.

Ključne besede: zavarovanje pogodbenih obveznosti, osebna zavarovanja, neodvis-na osebna zavarovanja, neodvisna bančna garancija, bančna garancija na prvi poziv, skupni referenčni okvir

Title: Independent Personal Security in Slovenian Law and DCFR

Abstract: The subject of this paper is a comparison of independent personal security in Slovenian law and the Draft Common Frame of Reference. European contract law already holds an important role in the law of the Community, which is only expected to intensify over time. DCFR is part of that process and the first attempt of comprehensive examination of primarily the law of obligation, where contracts that are traditionally subject to autonomous regulation are not excluded. A first demand guarantee is one of these. In DCFR, it is regulated with other independent personal securities, whereas in the Obligations Act, it is a special contract. This paper presents the differences, as well as the similarities, between the regulation of independent personal security in Slovenian law and DCFR, by individual elements. For each of these elements, a precise analysis of rights and obligations of subjects is presented.

Keywords: security of contractual obligations, personal security, independent personal security, independent bank guarantee, first demand bank guarantee, Common Frame of Reference