The insurance policy is generally an integrated contract, that is, it covers all forms related to the agreement between the insured and the insurer. 10 However, in some cases, additional writings, such as letters sent after the final agreement, may make the insurance policy an un integrated contract. :11 An insurance manual states that, as a general rule, “the courts take into account all previous negotiations or agreements … any contractual clause in the policy at the time of delivery, as well as those who then wrote as political riders and notes … With the agreement of both parties, they are part of the written policy.  The manual also states that policy must refer to all documents that are part of the policy.  Oral agreements are subject to the rule of evidence and cannot be considered part of the directive if the contract appears to be a full right. Promotional materials and flyers are generally not part of a directive.  Oral contracts may be entered into until a written policy is issued.  Exclusions – These policy provisions will set the limits of the coverage promises mentioned in the insurance agreements. These provisions are intended for one or more purposes, including the removal of coverage of (1) coverage for losses caused by certain risks, 2) coverage by other insurance companies, 3) coverage of uninsurable losses.
In principle, exclusions are the parts of the insurance contract that limit the scope of coverage and/or list causes and conditions that are not covered. Here is an example of common exclusions in automobile insurance – several provisions – these provisions which, together with declaration, insurance, exclusions and conditions, complete the insurance policy. These provisions help to define working methods for the implementation of insurance conditions. The insurance contract or contract is a contract by which the insurer promises to pay benefits to the insured or, on his behalf, to a third party if certain events occur. Subject to the “Fortuity” principle, the event must be uncertain. The uncertainty may be either when the event will occur (for example. B in life insurance, the date of the insured`s death is uncertain) or whether it will occur (for example.B.