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Glossary
The contract

Declaration of risk

Information that the policyholder provides before contracting, responding to the insurer's questionnaire.

In practice

Its inaccuracy reduces the compensation in proportion to the premium that was not charged and, if there was wilful misconduct or gross negligence, releases the insurer. In a company, responsibility is dispersed among departments: the signer is not always the one who knows.

Where it is addressed

This term is covered in Gestión del programa.

Related terms

Risk questionnaireForm that the insurer submits to the policyholder before contracting. It defines the extent of the duty to declare.Aggravation of riskChange in declared circumstances that increases the probability or intensity of the claim. The policyholder must communicate it as soon as possible.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.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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