What aspect of an insurance policy details how claims should be reported?

The aspect of an insurance policy that details how claims should be reported is found in the policy conditions. Policy conditions are critical as they outline the obligations of both the insurer and the insured. They provide detailed information about the procedures for reporting a claim, including timelines, necessary documentation, and requirements for cooperation during the investigation of the claim.

These conditions are essential because they set the framework for how a claim is handled, including expectations for the insured to notify the insurer promptly in the event of a loss. This ensures that both parties fulfill their duties under the policy, allowing for an efficient claims process and minimizing disputes over claims handling.

The other aspects mentioned—such as declarations, exclusions, and coverage limits—serve different purposes within an insurance policy. Declarations provide specific information about the policyholder and the covered risks, exclusions clarify what is not covered under the policy, and coverage limits specify the maximum amount the insurer will pay for a claim. However, none of these sections address the procedures and requirements related to reporting claims, making policy conditions the correct choice for this question.