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Glossary
The contract

Limiting clause

The one that restricts the rights of the insured compared to what could be expected from the contract. It is only valid if it is specially highlighted and accepted in writing.

In practice

The specific signature is not a formality: without it, the limitation does not apply. It is the first check when receiving a new policy and the reason why it is advisable to keep the signed terms and conditions, not just the certificate.

Related terms

Risk delimiting clauseThe one that defines what is covered: the object, the temporal scope, the territory and the amount. It outlines the contract from within.General conditionsCommon clauses to all contracts of the same modality. It includes definitions, exclusions, obligations, and claim procedure.Major risksLegal category of risks —by branch or by size of the policyholder— in which the parties can freely agree, outside the mandatory nature of the Insurance Contract Law.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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