an amount which is owed by an insurance undertaking to insured persons, policy holders, beneficiaries or to any injured party having direct right of action against the insurance undertaking and which arises from an insurance contract or from any operation provided for in Article 2(3)(b) and (c) in direct insurance business, including an amount set aside for those persons, when some elements of the debt are not yet known, formal request by a policyholder to an insurance company for coverage or compensation for a covered loss or policy event, demand by an insured for indemnity under an insurance contract, mis tahes summa, mille osas kindlustatutel, kindlustusvõtjatel, soodustatud isikutel ja kõigil kahjustatud isikutel on kindlustuslepingust või artikli 2 lõike 3 punktides b ja c sätestatud kindlustustegevusest tulenev vahetu nõudeõigus kindlustusandja vastu, kaasa arvatud kõnealuste isikute jaoks eraldatud summa, kui kõik kohustuste koostisosad ei ole veel teada