When you contract insurance, you discuss with the insurer or the broker about the risks for which you require to be covered. If you subscribe to the insurance contract, the insurer will send you a document called the insurance policy. If what you previously agreed doesn’t match with the policy, the insurance contract will remain valid, but the differences can be null.

Thereby, when there are discrepancies between the policy issued and the actual needs disclosed by the client, the insurer shall have specifically brought them to the attention of the insured in a separate writing.

Similarly, definitions, exclusions and limitations contained in the policy issued by the company, cannot be such that they would have the effect of reducing substantially the coverage actually desired by the insured. The intention of the parties when they contracted will be decisive.

To learn more about your rights and learn more about the obligations of the insurers, contact us!