What is the provision called that indicates both the policy and the application form constitute the contract between the policy owner and insurer?

The term that describes the provision indicating that both the policy and the application form together form the contract between the policy owner and the insurer is known as the entire contract. This provision ensures that the policyholder understands that the terms, stipulations, and conditions of the insurance coverage are fully encapsulated within the official policy document and the application. It reinforces the principle that any information provided in the application that is accepted by the insurer becomes part of the contractual agreement.

This is essential for maintaining transparency and clarity in the insurance contract, as it makes it clear to policyholders that they cannot later claim coverage or benefits based on external documents or conversations that are not included in the policy or application. Thus, the entire contract provision protects both the insurer and the policyholder by preventing misunderstandings regarding what is covered under the policy.