The part of the insurance policy in which the insurer promises to make payments to the insured or to the insured. The insurance agreement is usually covered by a directive. Often, agreement assurance defines a broad scope, which is then limited by exclusions and definitions. The insurance policy is generally an integrated contract, that is, it covers all forms related to the agreement between the insured and the insurer. 10 However, in some cases, additional writings, such as letters sent after the final agreement, may make the insurance policy an un integrated contract. :11 An insurance manual states that, as a general rule, “the courts take into account all previous negotiations or agreements … any contractual clause in the policy at the time of delivery, as well as those who then wrote as political riders and notes … With the agreement of both parties, they are part of the written policy.  The manual also states that policy must refer to all documents that are part of the policy.  Oral agreements are subject to the rule of evidence and cannot be considered part of the directive if the contract appears to be a full right.
Promotional materials and flyers are generally not part of a directive.  Oral contracts may be entered into until a written policy is issued.  The insurance industry began in 1941, moving to the current system, in which the risks covered are first generally defined in an “all risk” or “all sums” to guarantee a general insurance agreement (for example.B. “We pay all the sums that the insured must pay legally as damages… “), and then by subsequent exclusion clauses (for example. B, this insurance does not apply…).  If the insured wants coverage for a risk taken by an exclusion on the standard form, the insured may sometimes pay an additional premium for the approval of the policy that suspends the exclusion. We hope you will better understand the importance of the insurance contract. What made you feel like insurance? Please tell us where you read or heard it (including the quote, if possible). The insurance policy or contract is a contract by which the insurer promises to pay benefits to the insured or, on his behalf, to a third party if certain events occur. Subject to the “Fortuity” principle, the event must be uncertain.
The uncertainty may be either when the event will occur (for example. B in life insurance, the date of the insured`s death is uncertain) or whether it will occur (for example.B.