In a retail packaged policy, where are details regarding the policyholder's conduct concerning claims typically found?

In a retail packaged policy, the details regarding the policyholder's conduct concerning claims are found in the conditions section. This part of the policy outlines the obligations and responsibilities of both the insurer and the insured, including how claims should be reported, the evidence required, and any specific conduct expected from the policyholder when a claim arises.

The conditions set forth guidelines that the policyholder must adhere to in order for the claim to be valid. For example, it may specify the timeframe for reporting a claim, the requirement to provide accurate information, and any actions that must be taken to mitigate further loss. Failure to comply with these conditions could potentially result in a claim being denied or reduced.

While other sections in the policy provide important information—like the preamble, which introduces the policy, or the schedule, which summarizes coverage details and limits—none contain the specific protocols for conducting claims. Warranties, on the other hand, are obligations that must be fulfilled, but they relate more to the conditions that must be maintained by the policyholder throughout the policy period, rather than the claims process itself.