What is the main purpose of conditions in an insurance contract?

The main purpose of conditions in an insurance contract is to clarify the rights and duties of both the insurer and the insured. Conditions serve as the specific requirements that both parties must adhere to in order to uphold the terms of the policy. This includes stipulations on what actions the insured must take when an incident occurs, what obligations the insurer has in response, and any necessary procedures to follow for coverage to be valid. By defining these rights and responsibilities, the conditions ensure that both parties understand what is expected of them, which helps prevent disputes and facilitates smoother claim processes.

Other aspects, such as how claims will be investigated, premium amounts, and policy duration, also hold importance in an insurance contract but do not fall under the primary role of the conditions section. Investigations, financial obligations, and time frames are typically addressed in different sections of the policy and do not encapsulate the core purpose of establishing mutual responsibilities that conditions focus on.