PRINCIPLES OF INSURANCE & INSURANCE CONTRACT

In case of a loss you must ask yourself some important questions: 
if the policy covers:
 property / event / liability?
 injured person?
 cause of loss directly or indirectly?

If the loss is falling under any of the exclusions?

If the limit / sub-limit is enough?
 
Is there any financial bearing “deductible”?

Is there any territorial restrictions?

Is the policy still effective (inception/expiry)?


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