Particular conditions in insurance are the conditions that individualise the contract. In other words, they reflect the client’s specific details and apply only to that client, unlike the general conditions, which apply to all contracts of the same type.
Content of the Particular Conditions
Examples of content in the particular conditions include the insured person’s identification details, the insured sums and the premium to be paid. They also include any clauses that may complete or modify the general conditions. Because of this, the particular conditions influence the final price of your insurance.
This document lists all the covers included in the contract, for example roadside assistance, own damage, glass breakage or replacement vehicle in the case of car insurance. It also includes your personal details, address, date of birth and other information, as well as details of the insured vehicle, such as make, model and registration number.
Limitations of the Particular Conditions
This document is not intended for analysing the full scope of cover in depth; rather, it is used to check exactly which guarantees are included in the policy. To understand the precise scope of each one, as mentioned above, it is necessary to refer to the general conditions. We analyse this in more detail in the article “What are the general conditions of an insurance policy?”.
Usefulness of the Particular Conditions
This document, together with the bank receipt, makes it possible to prove to the authorities or to anyone who needs confirmation that the asset is insured. In the past it was compulsory to carry the car insurance policy and receipt in the glove compartment, but now the Guardia Civil has access to databases where it can check whether a vehicle is insured.
Differences Between General, Particular and Special Conditions
When taking out insurance, it is important to understand the implications of each part of your contract. For that reason, these are the differences:
- General conditions establish the common clauses for all policies in the same insurance line and are shared by all insured persons. Their characteristics are established in the Insurance Contract Act.
- Particular conditions are specific to each contract and result from an agreement between the insurer and the policyholder. They establish specific clauses that complete the general conditions.
- Special or specific conditions regulate the scope of the guarantees and covers. They are a fundamental part of the policy because they may modify the general conditions. They should also be read carefully because they contain details of the rules set out in the general and particular conditions.
Conflicts Between General and Particular Conditions
If there is a contradiction between the general conditions and the particular conditions, taking Article 6 of Law 7/1998 of 13 April on general contracting conditions as a reference, the latter, the particular conditions, prevail. This applies unless the general conditions are more beneficial to the insured than the particular conditions.
Obtaining a Copy of the Particular Conditions
If these conditions are lost, and always at the policyholder’s request, the insurer is obliged to provide a copy or duplicate, which will have the same effect as the original document. If you are a client of our insurance brokerage, you can contact us.