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Glossary
The contract

Cover note

Provisional document that certifies the existence of cover while the definitive policy is issued.

In practice

It is fully effective during its validity, but it covers the essentials and not the details. Living months with a cover note and without terms leaves exclusions undiscussed until the day they matter.

Related terms

Particular conditionsDocument that records what is specifically agreed for a particular contract: sums, guarantees, deductibles, and risk data.EndorsementDocument that modifies a contract in force. It forms part of the policy from its issuance.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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