• ENGLISH: INSURANCE POLICY (CONTRACT) - In insurance, the insurance policy is a contract (generally a standard form contract) between the insurer and the insured, known as the policyholder, which determines the claims which the insurer is legally required to pay. In exchange for payment, known as the premium, the insurer pays for damages to the insured which are caused by covered perils under the policy language. Insurance contracts are designed to meet specific needs and thus have many features not found in many other types of contracts. Since insurance policies are standard forms, they feature boilerplate language which is similar across a wide variety of different types of insurance policies.
  The insurance policy is generally an integrated contract, meaning that it includes all forms associated with the agreement between the insured and insurer. In some cases, however, supplementary writings such as letters sent after the final agreement can make the insurance policy a non-integrated contract. One insurance textbook states that "courts consider all prior negotiations or agreements ... every contractual term in the policy at the time of delivery, as well as those written afterwards as policy riders and endorsements ... with both parties' consent, are part of written policy". The textbook also states that the policy must refer to all papers which are part of the policy. Oral agreements are subject to the parol evidence rule, and may not be considered part of the policy. Advertising materials and circulars are typically not part of a policy. Oral contracts pending the issuance of a written policy can occur.
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• FRENCH (FRANÇAIS) - POLICE D'ASSURANCE: La police d'assurance est le document contractuel qui régit les relations entre la compagnie d'assurances et l'assuré. Ce contrat fixe en particulier : la liste des évènements garantis, avec les exclusions éventuelles; la garantie, c'est-à-dire l'assistance apportée à l'assuré en cas de sinistre; les obligations de l'assuré (les mesures de prévention éventuelles afin de diminuer le risque - les délais de déclaration à l'assureur en cas de sinistre - le montant et les conditions de paiement de la prime; les possibilités de résiliation de la police ); les obligations de la compagnie d'assurances (les délais de paiements pour l'indemnisation);
  Les polices d'assurance sont composées de conditions générales, communes à tous les assurés d'une même compagnie pour un risque ou un ensemble de risques donnés, et de conditions particulières, spécifiques à l'assuré.
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• SPANISH (ESPAÑOL) - PÓLIZA DE SEGURO - CONTRATO DE SEGURO: El contrato de seguro es el medio por el cual el asegurador se obliga, mediante el cobro de una prima, a resarcir de un daño o a pagar una suma de dinero al verificarse la eventualidad prevista en el contrato. El contrato de seguro puede tener por objeto toda clase de riesgos si existe interés asegurable, salvo prohibición expresa de la ley.
  El contratante o tomador del seguro, que puede coincidir o no con el asegurado, por su parte, se obliga a efectuar el pago de esa prima, a cambio de la cobertura otorgada por el asegurador, la cual le evita afrontar un perjuicio económico mayor, en caso de que el siniestro se produzca.
  El contrato de seguro es consensual; los derechos y obligaciones recíprocos de asegurador y tomador, empiezan desde que se ha celebrado la convención, aún antes de emitirse la «póliza» o documento que refleja datos y condiciones del contrato de seguro.
  Al realizar un contrato de seguro, se intenta obtener una protección económica de bienes o personas que pudieran en un futuro sufrir daños.
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