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Glossary
The contract

Special conditions

Intermediate block of the contract that adapts the general conditions to a specific modality or branch.

In practice

This is where the clauses that decide an industrial claim usually reside: required protection measures, limits per stay or maintenance conditions. It is advisable to read them before the general terms and conditions.

Related terms

General conditionsCommon clauses to all contracts of the same modality. It includes definitions, exclusions, obligations, and claim procedure.Particular conditionsDocument that records what is specifically agreed for a particular contract: sums, guarantees, deductibles, and risk data.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.InsuredHolder of the interest exposed to the risk. May or may not coincide with the policyholder, who is the one who signs the contract and pays the premium.
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