The Article is showing the principle of shaping underwriting contracts, as the basic tool of the protection against effects of an accidents. Comprehending insurance and his structure were described. They referred to cases of compulsory providing with insuring personal, professional and economic activity. Forms, a scope and documentation of the underwriting contract were described. They showed that contents of the underwriting contract were being shaped above all in general conditions of insurance. Contents of underwriting contracts were given to analysis, with particular taking into consideration prohibited clauses. In this respect legal documents of the European Union, Polish legal documents and a European and domestic case law were used. In the article issues of unlawful practice of market and other forms of curbing the competition and limiting consumer laws were omitted.

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