The clause is an addition to the general terms and conditions of the relevant insurance class, either extending or restricting them. It must form part of the underlying terms and conditions at the time the contract is concluded, or be provided alongside the → General Insurance Conditions must be expressly included in the insurance contract in order to be valid.

Source reference: See the VDT publication “VDT Article Series, Part 5 | Glossary“ and the source cited there.