Article 940: Form of the insurance contract

1. The insurance contract must be concluded in writing; failure to comply with the written form results in the invalidity of the insurance contract, with the exception of the compulsory state art. 2. The insurance contract may be concluded by drawing up a single document or by giving it to the insured person on the basis of his written or oral statement of fear. In the latter case, the insured person ' s agreement to enter into a contract under the conditions proposed by the insurers is confirmed by the acceptance of the certificate. The insurance contract may also be concluded by means of one electronic document signed by the parties or an exchange of documents. 3. The insurance provider may use the breakdown when concluding an insurance contract in accordance with the rules of the second paragraph of article 160, paragraph 1, of the present Code. Standard forms of contract (insurance policy) for individual types of insurance, which he or she has or the group of insurers.