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Glossary
The contract

Particular conditions

Document that records what is specifically agreed for a particular contract: sums, guarantees, deductibles, and risk data.

In practice

It prevails over the general terms and conditions when both contradict each other. It is the first page to compare in a renewal, because a change of sublimit can fit in a line.

Related terms

General conditionsCommon clauses to all contracts of the same modality. It includes definitions, exclusions, obligations, and claim procedure.EndorsementDocument that modifies a contract in force. It forms part of the policy from its issuance.SublimitLower limit applicable to a specific cover within the general limit of the policy.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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