The part of a policy in which the insurer states what it promises to do in return for the premium is the:

Giải thích

The insuring agreement is the heart of the contract: it names the perils or the scope of liability covered and commits the insurer to pay. The declarations personalise the contract with the insured's name, the limits and the policy period, while the conditions set out the duties each party owes. Definitions only fix the meaning of terms used elsewhere in the form.