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Main points
1. Introduction to insurance contract 2. Forming insurance contract
Insurance Contract
Civil contract or
Commercial contract?
Conditional contract
On parties capability
Legal ability Financial ability
On parties acceptance
No default No duress No misunderstanding
Voluntary/compulsory ins. contract Core/additional ins. contract Group/private ins. contract Package/single ins. contract Ins. contract for the interest of own participant/for the interest of the third person Property/ Liability/Health & Life ins. Contract
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The Proposal
The insurer
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The Proposal
The questionnaire designed by the insurer in order to gather all information of proposed risks. Expressing the applicants will to reach an insurance contract. Supplying information to evaluate the proposed risks. Main content of a proposal have to:
Describe the subject matter; Describe the risk;
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The Proposal
Structure of the proposal including 4 parts:
(1) General questions (2) Specific questions related to the proposed risks (3) Commitments (4) Warnings
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Basic facts
Misrepresentation or non-representation
Innocent? Intentional?
Responsibility of proof
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insurance)
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of the insurer
Being ceased when:
?????
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The Policy
The
Principles
Strict, logical structure Standard grammar rules Simple words Clear language
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Heading Preamble Signature clause Operative clause Exceptions Conditions Schedule Definition
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Example:
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