2.3 Formalities

The formalities' catalogue: (i) the policy document (the contract's written evidence — the policy's issuance duty; the policy's parts: the declarations, the insuring-agreements, the conditions, the exclusions); (ii) the proposal form (the applicant's signed statements — the representation's base); (iii) the premium's receipt (the payment's evidence); (iv) the stamp- and-registration faces (the statutory requirements — the policy's legal-form faces); (v) the statutory conditions (the Insurance Act's-and-Rules' mandatory terms — the consumer's floor: the standard-policy approvals by the regulator). The formalities' character: the insurance contract's enforceability without the full formalities (the contract vs its evidence — the binding- before-the-policy question: the cover-note's answer) + the policy's issuance as the regulator-and- consumer's discipline.