Contrato de Seguro

O que é?

O contrato de seguro é um acordo através do qual o segurador assume a cobertura de determinados riscos, comprometendo-se a satisfazer as indemnizações ou a pagar o capital seguro em caso de ocorrência de sinistro, nos

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termos acordados.

Em contrapartida, a pessoa ou entidade que celebra o seguro (o tomador do seguro) fica obrigada a pagar ao segurador o prémio correspondente, ou seja, o custo do seguro.

A prestação do que ficou acordado no contrato pode ser efectuada à pessoa ou entidade no interesse do qual

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o seguro é celebrado (o segurado) ou de terceiro designado pelo tomador do seguro (o beneficiário) ou ainda a uma terceira

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pessoa ou entidade que tenha sofrido prejuízos que o segurado deva indemnizar – o terceiro lesado.

Os seguros podem ser obrigatórios (quando a respectiva celebração é exigida por lei) ou facultativos (quando é opção do tomador do seguro celebrá-lo ou não).

Saiba mais sobre o contrato de seguro em

http://www.isp.pt/NR/exeres/E527B387-8D5D-4701-8143-EF1EF088CC56.htm

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Contrato de Seguro

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