Combined insurance policies

A combined insurance policy is the combination of several legally independent insurance policies into a single insurance certificate, with the general conditions of insurance that apply to the respective individual insurance policies. Since the contracts are independent of one another, it is possible to conclude or terminate combined contracts independently of one another. Such combined insurance policies are frequently used in relation to car insurance, home insurance, commercial and business insurance. The legal independence of the individual contracts may lead to problems when policies are terminated, if all contracts are intended to be cancelled at the same time.