The insurance proposal shall commit neither the insured nor the insurer; only the policy or the cover note shall establish their reciprocal commitment.

Prior to the conclusion of the contract, the insurer shall be obliged to provide an information sheet containing the price, coverage and exclusions.

Proposals made by registered letters with acknowledgment of receipt as well as by countersigned letters or by any other means indicating the date of receipt, extension or modification of the contract or resumption of a suspended contract shall be considered as accepted, if the insurer does not refuse within fifteen days following receipt of the proposal.

The above provisions shall not apply to life insurance.

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