Kuwait Court of Cassation principle number 2518

Insurance contract. A consensual contract. The insured’s intention is the insurance application submitted to the insurer, constituting an offer. The insurer’s intention is expressed by issuing the insurance policy signed by it, constituting acceptance of that offer. The insured’s signature on the policy is not necessary, as signing the application constitutes a definitive offer. Article 779, Civil Code. - Insurance policy. The particulars and conditions contained therein are presumed to conform to what was initially agreed between the parties. The insured’s receipt of the policy containing certain conditions that do not conform to what was agreed. Remaining silent without requesting correction for thirty days from receipt thereof. Acceptance of those conditions. Article 780, Civil Code.