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Glossary
The contract

Good faith

Also: Uberrimae fidei

Principle that obliges both parties to inform each other with loyalty: the policyholder about the real risk and the insurer about the scope of what is offered.

In practice

It is not an abstract value, it is the criterion with which a court reads an incomplete declaration. The difference between forgetting a fact and concealing it separates a reduced compensation from a denied compensation.

Related terms

Declaration of riskInformation that the policyholder provides before contracting, responding to the insurer's questionnaire.Wilful misconductIntentional act aimed at causing damage or deceiving the insurer. It is always excluded from cover.Equity ruleAdjustment of the compensation when the premium paid does not correspond to the real risk due to an inaccurate declaration without intent.AccidentEvent of violent, sudden, external cause beyond the insured's will that causes bodily or material damage.Direct action of the injured partyRight of the person who has suffered damage to claim compensation directly from the insurer of the responsible party, without going through them.Aggravation of riskChange in declared circumstances that increases the probability or intensity of the claim. The policyholder must communicate it as soon as possible.
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