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Glossary
The contract

Pre-contractual information document

Also: IPID · DIP

Standardised sheet that summarises guarantees, exclusions, and obligations before taking out a non-life insurance.

In practice

It is a summary, not the contract: it serves to compare two offers on one page, not to know what is charged. When what it says and what the terms and conditions say do not match, what is signed is the terms and conditions.

Related terms

General conditionsCommon clauses to all contracts of the same modality. It includes definitions, exclusions, obligations, and claim procedure.Objective analysisObligation of the broker to advise based on a sufficient number of market contracts and with professional, not commercial, criteria.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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