Clear and unambiguous contractual provisions are not interpreted, but are applied as they are, and the disputable provisions are interpreted by exploring the common intentions of the contracting parties in accordance with the principles of contract law. Standard form contracts shall be interpreted in the benefit of a Contracting Party which has not participated in their drafting. Unclear provisions of free contracts are interpreted in a sense that is less tedious for the debtor and unclear provisions of the tolls agreement in terms of achieving a fair relationship between mutual acts. An external interpretation enables the contracting parties to assign a third party to settle a dispute outside the court, and to interpret the contract to reach its meaning and scope in the event of a dispute over its interpretation, or later when executing it. The general terms and conditions of business are part of the formulation right together with the adhesion and type contracts, and we define them as "contractual provisions whereby a co-issuer in advance formulates a form for a larger number of contracts or co-brokers and proposes them as an integral part of the contract." Conditions of insurance companies are a list of contractual clauses, created by the insurer,which include the basic issues of the contractual relationship.