Theoretical debate about whose initiative the insurance contract is created, as well as whether it is a consensual or real contract?

Abstract

The author first  examines  the question posed in  the title from the point of view of Hungarian and foreign sustantive law, discussing it with Professor Szalma, and then presents Professor Zoltán Novotni and his own views on this question. During this, he talks about his collaboration  with Novotni.