Verzekering Voorwaarden

 Udskriv

CLAUSE 1. GENERAL TERMS
(A Dutch version is not yet available; Versicherungsbedingungen auf deutsch)

1 Who is insured?
The persons listed on the policy/premium collection note or the tour operator's confirmation, or the persons listed on the insurance policy if the insurance premium has been paid (in the following referred to as "the insured").

2 When does the insurance policy take effect and terminate?
The insurance policy will take effect when the deposit/rent has been paid to the rental agency and run until such time as the rental period commences. However, the holiday home rent insurance will provide cover for the entire rental period.

CLAUSE 2. CANCELLATION INSURANCE WITHOUT DEDUCTIBLE

1 Which insurance events are covered?
The insurance policy will provide cover in the event that it is not possible to complete the holiday because the insured or a risk person is affected by one of the below events during the term of the insurance cover:

  • Death
  • Serious injury
  • Unexpected serious illness
  • Unexpected aggravation of an existing illness
  • Vaccination intolerance
  • Pregnancy
  • Significant damage to property belonging to the insured due to fire, natural phenomena or a wilful offence committed by a third party.
  • The insured's loss of a job or a fellow traveller risk person's loss due to unexpected operational termination of employment by the employer.
  • The insured's or a fellow traveller's taking up of a job, if such person was unemployed at the time of booking the trip, and the Employment Service has approved the trip.

Risk persons are:

  • The insured's close relatives
  • The insured's lifemate or one of the insured's fellow travellers
  • The persons who have minors or relatives requiring care who are not part of the trip in their custody
  • The persons who have booked and insured a trip with an insured and their relatives

In the event that more than six people have booked the trip together, only the insured's relatives and lifemate and persons in the insured's custody are covered.

2 What is covered?
1. In the event that the trip is not commenced, the insurance policy will cover the costs that the insured is liable to pay to the rental agency pursuant to the rental agreement.

2. If the start of the trip is delayed due to any of the causes mentioned in Item 1 ("Which insurance events are covered?") or due to delays in public transport lasting more than two hours, Europæiske will pay the provable additional costs incidental to the insured commencing the trip up to the costs of cancellation.

3 What to do in case of an insurance event:
Obligations of the insured:

  • To notify the rental agency of the cancellation immediately following the insurance event in order to keep the cancellation costs as low as possible.
  • To submit the insurance policy and the booking documents with the cancellation bill to the rental agency.
  • To document serious accidents, unexpected serious illness or the deterioration of an illness, pregnancy and vaccination intolerance by means of a medical certificate, mental illness by means of a psychiatrist's certificate and death by means of a death certificate.
  • To submit the termination letter in the event of loss of a job, a confirmation from the Employment Service that the trip has been approved and documentation of withdrawal from the Employment Service as proof of the employment in the event of the taking up of a new job.

CLAUSE 3. HOLIDAY HOME RENT INSURANCE
In addition to the cover provided by the cancellation insurance without deductible, the holiday home rent insurance further covers:

1 Interruption
In the event of interruption of a holiday trip due to the causes mentioned in Clause 2.1., the policy will cover the insured's rent payments for the days following the interruption of the trip. If the trip is interrupted after 12.00 noon, compensation will be paid from the following day. The insurance policy will not cover unused transportation.

2 CONTENTS/LIABILITY INSURANCE

2.1 Extent of cover:
The insurance policy covers the liability for damages incurred by the insured pursuant to the rental agreement for damage to the household effects in the rented holiday home during the insurance period, including damage to glass panes and bowls.

2.2 Exceptions
Compensation will not be paid for:

a) Normal wear and tear, scratches, grazes, smudges or gradual deterioration.
b) Theft committed by the insured or the insured's visitors.
c) Liability for damages in respect of damage inflicted wilfully.
d) Liability for damages in respect of damage inflicted by the insured under self-induced intoxication or the influence of narcotics or other drugs when this is a significant contributory cause of the damage.
e) Damage inflicted by dogs or other pets.
f) Bicycles and vessels, including windsurfing boards, rowing boats, canoes and kayaks, including parts thereof.
g) Cosmetic damage to bowls, including Jacuzzis and whirlpool baths.
h) Damage to swimming pools and the water therein.

2.3 Insurance amount:
The insurance amount is up to DKK 75,000.00 for damage to household effects during the insurance period.

2.4 Deductible
The deductible is DKK 500.00 per instance of damage.

2.5 Calculation of compensation:
a) Compensation for totalled household effects will be calculated according to the following principles: Compensation for effects that are less than two years old, and which where otherwise undamaged prior to the damage, will be the replacement cost of similar new effects. Compensation for effects that are more than two years old will be the replacement cost of similar new effects less 10 per cent per commenced year from the year of purchase. Compensation for such effects will as a minimum be 20 per cent of the replacement value.

b) The company may elect to have damaged effects repaired or to pay an amount corresponding to the decrease in value.

c) The company is entitled but not obliged to pay compensation in kind.

2.6 Recognition of claim for damages:
The company is only obliged to compensate for costs incurred with the approval of the company. The insured's recognition or payment of a claim for damages will not bind the company. By recognising the liability for damages, the insured will risk having to pay the damages himself.

2.7 What to do in case of an insurance event:
The insured must immediately report an instance of damage to the rental agency and submit the required documentation.

2.8 Double insurance:
The insurance policy will not cover costs covered by another insurance policy.

2.9 Right of recourse:
In the event that the claim is covered by an insurance of property, the tortfeasor's liability for damages pursuant to the Danish Liability for Damages Act (erstatningsansvarsloven) and thus the liability insurance cover will lapse, unless the damage was inflicted wilfully or in an act of gross negligence.

NOTE
In the event of an accident, the rental agency must immediately be notified. After having noted the claim, the rental agency will forward the claim to Europæiske Rejseforsikring which will process the claim and pay any compensation.

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