Article 779 of Civil Code

1 - An insurance application alone shall bind neither the insurer nor the insured. The contract is concluded only when the insurer signs the insurance policy and that policy is delivered to the insured. Once the contract is concluded, the insurance application and its particulars and declarations shall be considered an integral part of the contract. 2 - However, the contract is concluded, even before delivery of the policy, if the insurer, in response to the insurance application, delivers to the insured a temporary cover note containing the basic rules underlying the contract and the obligations of each party towards the other. 3 - Nevertheless, if the insured produces a receipt for payment of part of the insurance consideration, he may prove by any means that the contract was concluded, even if he has not received a temporary cover note. 1044 Civil Code Decree-Law No. 67 of 1980 AD promulgating the Civil Code