To subscribe a contract of insurance, it is possible to be addressed: With an agent general of insurances, With a broker, Directly at an insurance company.
The solicited insurer puts forward to the interested person a proposal for an insurance, that this one fills and signs.
The proposal is presented in the form of questionnaire, and makes it possible the insurer to evaluate the risks and to fix the premium.
Always ask a study or a free estimate before engaging you, take time to compare the various offers, to read the conditions génèrales.
• Documents given by the insurer and examination of the proposals
• The insurer must also give to the subscriber:
a card of information on the prices and the guarantees, a specimen of its appendix and draft contract or a detailed information record.
The interested party can apply simultaneously to several agents, brokers or insurance companies to compare.
Caution: before the concluding of a comprising contract of the guarantees of responsibility, the insurer gives to assured card information describing operation in the time of the guarantees started by the detrimental fact, operation in the time of the guarantees started by the complaint, as well as the consequences of the succession of contracts having modes of different releases.
• Acceptance of a proposal for an insurance When that the subscriber decides to fill the proposal for an insurance, it should not give inaccurate information, nor to make omissions, under penalty of not not being completely compensated in the event of disaster, or to see its cancelled contract.
The proposal filled, it can still reconsider its decision, before the insurer gave his agreement.
• Particular Case If the proposal for an insurance comprises the list of the selected guarantees and the amount of the contribution, the signature of the interested person engages it, and the contract is concluded as soon as the insurer gives his agreement.
The insurer is not held to agree to guarantee this person. He does not have a legal time to respect to answer him.
• Agreement of the insurer If the insurer gives his agreement, it must give to the future policy-holder the contract (general and particular conditions). This one must specify the moment from which the risk is guaranteed and duration of this guarantee. It can however ask to be guaranteed temporarily, by a note of cover. The insurer can refuse.
• Effect of the signature of the contract Once its accepted request, the policy-holder is engaged, except if it proves that the final contract is not in conformity with the proposal (assembling contribution higher, different guarantees).
• Particular Cases For the contracts of insurance life and individual accident, the insurers can ask: to fill out a medical questionnaire, or to subject itself to a medical examination.
In automobile insurance, if the interested party were already ensured, it to him will be asked for a statement of information (delivered by the preceding insurer).
• Contract of insurance It is the essential document, which materializes the agreement between the policy-holder and the insurer.
The insurer must give it to his policy-holder during the signature, or to forward to him. The contract must be written in French and apparent characters.
It includes/understands: the general conditions, which describe the rules of operation of the contract, the particular conditions, which are personalized and specify the exact nature of the ensured risk, the amount of the contribution, the date of effect of the contract.
• Proposal for an insurance The proposal for an insurance engages neither the insurer nor the policy-holder.
It is presented in the form of questionnaire which the future policy-holder must fill out when he wants to subscribe a contract of insurance.
The answers to these questions are used for the establishment of the contract and thus form integral part of it.
• Before the contract signature The insurer must give to assured specimen the draft contract and his accompanying documents or an information record (specifying the matched guarantees of exclusions and the obligations of assured).
Before the concluding of a comprising contract of the guarantees of responsibility, the insurer gives to assured card information describing operation in the time of the various guarantees.
Note cover (sometimes called letter of cover or guarantee) The note of cover notes the existence of a provisional guarantee before signature of the final contract. It can also cover a provisional risk of way, for a time given, for the period of examination of the request.
• Certificate The certificate is given to ensured at the time of the subscription of the contract and generally constitutes the proof of a final contract.
However, in automobile insurance, it constitutes only one presumption of insurance.
• Pleasing of modification The endorsement of modification constitutes a proof of modification of the contract. If the insurer asked for the modification, the policy-holder must have signed the endorsement so that this one is valid. The policy-holder can also make a request for modication.
The request for modification must result in an endorsement signed by the policy-holder and the insurer.
• For any information For any information, it is advisable to be addressed to its insurer.
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