Article 804 - Effects of losing an insurance policy

Article 804 of Law No. 786 of 26th June 1997 (Civil Code of Georgia) belongs to Chapter XX, dedicated to Insurance, Section First, General Provisions. The Article is dedicated to the effects of the loss of an insurance policy. The first paragraph of Article 804 specifies the evidential value of the policy: the insurer must fulfil the obligations arising from the contract entered into only after the insurance policy has been submitted to him. The rule specifies that if the document has been lost or destroyed, the policy holder may only demand fulfilment by the insurer when the policy has been declared void in the context of a special proceedings. In the second paragraph the rule deals with the issue of the preparation of a copy of the insurance contract where it has been lost or destroyed. In this respect, the Georgian Code requires the policyholder to ask the insurer for a copy of the contract which has been lost. The rule stipulates that in such cases the costs of issuing a copy of the contract shall be borne by the insured person