Multiassistance Plus General Condition
SPECIAL CONDITIONS - PLUS MULTIASISTENCE INSURANCE WITHOUT CANCELLATION
Of the policy with number 55-0683016 in which INTERMUNDIAL Correduría de SEGUROS, with registered office in the C / Irún, 7, Madrid. Registered in R.M. Of Madrid, sheet M 180.298, section 8, book 0, folio 149, volume 11.482. C.I.F.-B-81577231. Registered in R.D.G.S and F.P with nº J-1541 and insurance of R.C. And surety bond arranged in accordance with Law 26/06 MSRP, acts as mediator and is subscribed between SERVISEGUR XXI CONSULTORES S.L. And the INSURER ARAG International Insurance and Reinsurance Company S.E.
SUMMARY OF COVERAGE AND MAXIMUM COMPENSATION LIMITS
ASSISTANCE
Medical or surgical expenses due to illness or accident of the Insured:
In World € 65,000
In Europe € 35,000
In Spain € 4,000
Urgent dental expenses € 120
Displacement of a relative in case of hospitalization of the Insured over 5 days:
Family travel expenses Unlimited
Travel expenses of displaced family (max.85 € / day) 850 €
Expenses for prolongation of stay in the hotel by medical prescription (max 85 € / day) 850 €
Expenses for prolongation of stay of the companion in the hotel by medical prescription (max 80 € / day) 800 €
Costs of the Insured arising from the stay in the hospital for more than 5 days (max 10 € / day) 50 €
Repatriation or health transport of the Insured due to illness or accident: Unlimited
Repatriation or transport of the deceased Insured: Unlimited
Repatriation or transport of up to 2 companions: Unlimited
Repatriation or transport of minors or disabled: Unlimited
Transfer of a relative to the insured’s domicile if the Insured is to remain hospitalized during his / her trip and the presence of a person at his / her habitual residence is required € 120
Interpreter Service Abroad: Included
Sending medicines that do not exist abroad: Included
Advancement of monetary funds to the Insured 2,300 €
Urgent message transmission: Included
Opening and repair of safes and safes 175 €
Loss of keys of the usual house 75 €
Cancellation of cards: Included
Telephone legal advice: Included
Information service (general information and travel assistance): Included
Alternative transportation by accident "in itinere" 350 €
Expenses for kidnapping € 4,000
LEGAL PROTECTION
Claim of purchase contracts abroad. € 3,000
LUGGAGE
Theft, loss or damage of luggage:
In World 2,200 €
In Europe € 1,350
In Spain 850 €
Expenses caused by delayed delivery of checked baggage (150 € from 12 hours and 105 € every 24 additional hours). 360 €
Search, location and shipment of checked baggage: Included
Sending of forgotten or stolen objects on trip 125 €
Management fees for loss of documents (including travel) € 250
ANNULMENT EXPENSES
Travel Cancellation Costs for any of the 40 guaranteed causes:
In World € 5,000
In Europe € 3,000
In Spain € 1,300
LOSS OF SERVICES
Interruption of vacation per stay not enjoyed:
In World € 4,000
In Europe € 1,800
In Spain € 900
Overbooking or change of services initially contracted:
Expenses occasioned by the departure of an alternative means of transport not provided (€ 60 every 6 hours) € 360
Expenses occasioned by the change of hotel / apartment (max 55 € / day) 550 €
Loss of services initially contracted € 300
Early return due to hospitalization, accident or death of a relative up to 2nd degree of relationship: Unlimited
Early return for damages in the Insured’s home or professional premises: Unlimited
Loss of connections (minimum 4 hours delay) 800 €
Extension of validity of the insurance 2 days, by extension of the obligatory trip: Included
DELAYS
Expenses occasioned by the delay of the trip (50 € from 6 hours and 100 € every 24 additional hours) 350 €
Mandatory extension of the trip (max 70 € / day) 350 €
ACCIDENTS
Compensation for death or permanent disability of the Insured due to accident on the trip 24 hours € 6,500
Compensation for death or permanent disability of the Insured due to accident of the means of transport € 40,000
CIVIL RESPONSIBILITY
Private civil liability, with payment of legal costs and expenses, including judicial bond € 65,000
Premiums are not valid for cruise travel.
Insured persons with habitual residence abroad:
In the event that the Insured has its habitual domicile abroad, and has contracted the policy through the Internet
For a trip to Spain, the premiums will be invoiced depending on your continent of origin. That is, if your domicile
The usual rate is in Europe, the premium to be collected will be that of "Continental Area", if its continent of origin is Africa, Amé-
Rich, Asia and Oceania, the premium to be collected will be the "Transcontinental Area". For the purposes of the provision of guarantees and
Compensation limits described in each of them, the address of the INSURED is that of their habitual residence in their
Different countries of origin, so that whenever the word "Spain" appears, it will be understood as the country of origin of the
INSURED, and so that whenever the foreign word appears it will be understood that Spain is included in the ex-
F. When said insured person with habitual residence abroad makes a trip (contracted through
Travel to another country, the territorial scope to be applied will be the most aggravated as a result of comparing its
With their destiny. In any case, the coverage of the contract for non-resident insured persons in Spain will be limited
Travel to a destination other than that of their residence, excluding travel to their own country of residence.
When an insured person has his habitual residence in Spain, and is of Spanish nationality, the territorial scope of the
Private Liability Act will be that of everyone. When the insured person has his habitual domicile in the
Or non-Spanish nationality, the Civil Liability guarantee shall be valid only for
Two in Spain and the maximum duration of the trip can not exceed 120 days.
ALL THE ITEMS INCLUDED IN THE GENERAL CONDITIONS OF THE POLICY ARE OBJECT OF THIS INSURANCE WITH THE
LIMITS EXPRESSED.
Quality guarantee
ARAG guarantees the resolution of the file within 15 working days of receipt of the last document.
Requested and necessary for its proper processing. If this period is not fulfilled, ARAG will reimburse the amount
Of insurance, regardless of whether the file is accepted or rejected.
INSURED: Travelers who, with the Policyholder, take a trip, travel or stay outside their habitual residence,
Whose names, destinations and duration of the trip appear in ARAG prior to the start of the trip.
TERRITORIAL AREA: The insurance is valid in Spain, or in Europe and countries bordering the Mediterranean (Algeria, Cyprus,
Egypt, Israel, Lebanon, Libya, Morocco, Palestine, Syria, Tunisia, Turkey and Jordan), or around the world according to the fate of the
Travel, travel or stay contracted with the Policyholder.
When the Insured is on board any type of land, sea or air vehicle, the Insurer will not be
Obliged to provide any type of service, which if provided as soon as the Insured is on land.
Those countries that during the travel or travel of the Insured are excluded from the coverage of this policy
Are in a state of war or of siege, insurrection or warlike conflict of any kind or nature, even if they have not
Have been officially declared, and those specifically listed on the receipt or in the Particular Conditions.
It is expressly agreed that the obligations of the Insurer arising from the coverage of this policy, end in the
The Insured has returned to his habitual residence, or has been admitted to a
Maximum of 25 km. Away from that address (15 km in the Balearic and Canary Islands).
COMMUNICATION OF THE TRIPS: The Policyholder will communicate to ARAG all the information related to the travelers (names, destinations,
Duration of travel) in advance of the start of the trip. In addition, the Policyholder shall have ARAG disposition of all documents
Insured persons of this contract, in order that the Insurer can check the accuracy of The travelers communicated by the Policyholder.
In order that the clients of the policyholder, who will be the Insured by this policy, are aware of the guarantees
Which are covered by this insurance, ARAG will deliver Bonds for distribution by the Policyholder among its clients,
Which will be the only valid document certifying them as Insured of this policy.
The Policyholder will include the start and end dates of each trip in all the Bonds he distributes.
PAYMENT OF PREMIUMS TO ARAG: Premium payments will be made monthly by means of a nominative check drawn by the Borrower
Insurance in favor of ARAG upon receipt of the invoice list.
PROVISION OF SERVICES: The provision of the services provided in this policy will be provided through the ARAG Organization
S.E., BRANCH IN SPAIN.
For the purpose of the urgent provision of services, ARAG will provide the Insured with documentation proving their rights as
As well as instructions and emergency telephone number.
The telephone number of ARAG is 93 300 10 50 if the call is made from Spain and 34 93 300 10 50 if it is made from the ex-
The call can be made to collect.
- The Borrower knows and expressly accepts the limiting clauses of this policy and declares receiving jointly with
This document the General Conditions.
INFORMATION TO THE INSURED
The policy holder, prior to the conclusion of this contract, has received the following information, in compliance with the provisions of
Article 96 of Law 20/2015, of July 14, on the management, supervision and solvency of insurance and reinsurance
Articles 122-126 of its regulations - The insurer of the policy is ARAG SE, a German entity with registered office in Düsseldorf, ARAG
Platz No. 1, the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) to control and supervise its activity. It is authorized
To operate in Spain under the right of establishment through its ARAG SE branch, Branch in Spain, with NIF
W0049001A and domicile in Barcelona, Calle Roger de Flor 16; Registered in the Administrative Register of the General Directorate of Insurance and
Pension funds with the key E-210.
It is reported that in the event of liquidation of the insurance company, the Spanish settlement regulations will not apply.
- The legislation applicable to the insurance contract is Spanish, in particular, Law 50/1980 of 8 October, of insurance contract.
- The policyholder or the insured may, in the event of a dispute with the insurer, go to arbitration and to the ordinary courts of
them.
It is reported that ARAG SE, Branch in Spain makes available to its policyholders the following telephone numbers of Attention to
Client according to the procedures to be carried out:
- For modifications and / or consultations about the contracted policy, you can call 902 114 149 or send an email to
Cioncliente@arag.es
- For complaints and / or complaints to the company, ARAG SE, Branch in Spain, has a Customer Service Department (c / Roger
De Flor, 16, 08018-Barcelona, telephone 902 367 185, e-mail: dac@arag.es, web: www.arag.es) to deal with and resolve complaints,
Insurers present to them, related to their legally recognized interests and rights that will be addressed and resolved
Within a maximum period of two months from its submission.
- In case of disagreement with the resolution adopted by the Department of Customer Service, or if the period of two
Without having obtained a response, the claimant may contact the Complaints Service of the General Directorate of Insurance and Funds
Of Pensions, Paseo de la Castellana, 44, 28046 - Madrid, telephone 902 197 936.
- The Tenderer / Insured, when providing the bank details for the payment of the insurance premium, consents and authorizes that its amount be charged
In the account provided and included in this document or in the one that, during the life of the contract, is communicated to the Entity,
For this purpose. "
In order to deal with and resolve complaints and claims, Correduría has an Outsourced Customer Service Department in Inade, Insti-
Tuto Atlántico del Seguro, S.L. With address in the town of Vigo, province of Pontevedra, zip code 36202, calle La Paz, 2 Bajo. Saying
Service has the obligation to resolve such complaints or claims within a maximum period of two months from the date of submission. Yes
Such resolution is not to the liking of Client, you can go to the claims service of the DGSFP, being essential for this
To have made the complaint or complaint, in writing, to the Customer Service Department of the Brokerage House.NFORMATION TO THE INSURED
The policy holder, prior to the conclusion of this contract, has received the following information, in compliance with the provisions of
Article 96 of Law 20/2015, of July 14, on the management, supervision and solvency of insurance and reinsurance
Articles 122-126 of its regulations - The insurer of the policy is ARAG SE, a German entity with registered office in Düsseldorf, ARAG
Platz No. 1, the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) to control and supervise its activity. It is authorized
To operate in Spain under the right of establishment through its ARAG SE branch, Branch in Spain, with NIF
W0049001A and domicile in Barcelona, Calle Roger de Flor 16; Registered in the Administrative Register of the General Directorate of Insurance and
Pension funds with the key E-210.
It is reported that in the event of liquidation of the insurance company, the Spanish settlement regulations will not apply.
- The legislation applicable to the insurance contract is Spanish, in particular, Law 50/1980 of 8 October, of insurance contract.
- The policyholder or the insured may, in the event of a dispute with the insurer, go to arbitration and to the ordinary courts of
them.
It is reported that ARAG SE, Branch in Spain makes available to its policyholders the following telephone numbers of Attention to
Client according to the procedures to be carried out:
- For modifications and / or consultations about the contracted policy, you can call 902 114 149 or send an email to
Cioncliente@arag.es
- For complaints and / or complaints to the company, ARAG SE, Branch in Spain, has a Customer Service Department (c / Roger
De Flor, 16, 08018-Barcelona, telephone 902 367 185, e-mail: dac@arag.es, web: www.arag.es) to deal with and resolve complaints,
Insurers present to them, related to their legally recognized interests and rights that will be addressed and resolved
Within a maximum period of two months from its submission.
- In case of disagreement with the resolution adopted by the Department of Customer Service, or if the period of two
Without having obtained a response, the claimant may contact the Complaints Service of the General Directorate of Insurance and Funds
Of Pensions, Paseo de la Castellana, 44, 28046 - Madrid, telephone 902 197 936.
- The Tenderer / Insured, when providing the bank details for the payment of the insurance premium, consents and authorizes that its amount be charged
In the account provided and included in this document or in the one that, during the life of the contract, is communicated to the Entity,
For this purpose. "
In order to deal with and resolve complaints and claims, Correduría has an Outsourced Customer Service Department in Inade, Insti-
Tuto Atlántico del Seguro, S.L. With address in the town of Vigo, province of Pontevedra, zip code 36202, calle La Paz, 2 Bajo. Saying
Service has the obligation to resolve such complaints or claims within a maximum period of two months from the date of submission. Yes
Such resolution is not to the liking of Client, you can go to the claims service of the DGSFP, being essential for this
To have made the complaint or complaint, in writing, to the Customer Service Department of the Brokerage House.
INFORMATION ON DATA PROTECTION
The Borrower consents that the personal data that could be included in this policy be included in the files of ARAG S.E.,
Branch in Spain. The processing of such data is intended to facilitate the establishment and development of contractual relations
Which bind the Borrower with the Underwriter.
The personal data provided will be susceptible of communication to other Insurance Entities or public bodies related to
The insurance sector, for statistical purposes, to combat fraud or for the purposes of co-insurance or risk reinsurance.
The provision of consent to such treatment is essential for the formalization of the contractual relationship to which it refers
The present document being not possible without it.
The Borrower may exercise the rights of access, opposition, rectification and cancellation to the Insurer, under the terms
In the data protection legislation, directing their communications to the address of the branch, c / Roger de Flor, 16 of Barcelona
(08018).
In addition, the Borrower authorizes ARAG S.E., Branch in Spain, to process its data in order to send you information about other
Insurance companies sold by ARAG S.E., Branch in Spain and / or INTERLLOYD VERSICHERUNGS-AG, Branch in Spain, as well as
Of legal services marketed by ARAG Services Spain & Portugal S.L.
Said referral may be carried out either electronically or by any other means of communication.
The Borrower also authorizes ARAG S.E., Branch in Spain to transfer its data for the same purpose to INTERLLOYD VERSICHERUNGS-
AG, Branch in Spain and ARAG Services Spain & Portugal S.L.
If you do not wish to receive promotional information or that your information is assigned on the terms indicated, please let us know by checking the following
box: _
The refusal to authorize this last treatment will not prevent the formalization of the contractual relationship.
In the case of inclusion in this policy data of natural persons other than the policyholder, the policyholder must inform previously to such
Persons mentioned in the previous paragraphs.
PRE-RECEIVING CONFIRMATION CLAUSE
The Insured / Policyholder hereby expressly acknowledges having received from the Insurer, in writing and on the date of
Of the insurance according to their particular conditions, the timely information on the law applicable to the insurance contract, the
Different instances of claim, the Member State of the Insurer’s domicile and its controlling authority, the company name,
Address and legal form of the Insurer.
TRAVEL ASSISTANCE INSURANCE "MULTIASISTENCIA PLUS WITH CANCELLATION"
GENERAL CONDITIONS
Introduction
This insurance contract is governed by what is agreed in these General Conditions and in the Particulars of the policy, of
In accordance with Law 50/1980, of 8 October, of the Insurance Contract, and Law 20/2015 of
July, of management, supervision and solvency of insurance and reinsurance entities.
Definitions
This contract means:
Insurer
ARAG S.E., Branch in Spain, which assumes the risk defined in the policy.
Insurance taker
The individual or legal entity that with the Insurer signs this agreement, and to which the obligations derived from it correspond,
Except those that by their nature must be fulfilled by the Insured.
Insured
The natural person related in the Particular Conditions that, in default of the Borrower, assumes the obligations derived from the contract.
Family
They will be considered as relatives of the insured, their spouse or domestic partner, or person who as such lives permanently with
The insured and the relatives of first or second degree of kinship of both.
Policy
The contractual document containing the Insurance Regulatory Conditions. An integral part of the General Terms and Conditions
The Individuals that individualize the risk, and the supplements or appendices that are issued to the same to complete or modify it.
Cousin
The price of insurance. The receipt will also contain the surcharges and taxes of legal application.
Stay in bed
Consequence of a pathological process or therapeutic measure that forces the person to stay in bed or that has the ability to
Reduced mobility to the extent that it can not stand on its own.
Animal companion
Animal intended for company or surveillance. It will be necessary that the same is census and identified by the number of plate, tattoo
Or microchip that has been attributed and that is property of the insured and resides in the same address.
This condition will not have those animals that although they are of company or vigilance they are sick, in advanced state of gesta-
Recently born, or young animals unable to feed themselves (dogs and cats
Age less than 2 months).
1. Object of insurance
By this Travel Assistance insurance contract, the Insured that moves within the covered territorial scope will have the right
To the different assistance services that integrate the system of protection to the traveler.
2. Insured
The borrower of the insured interest, or the related natural persons in the Particular Conditions, in case of a Collective Policy.
3. Temporal validity
In the temporary policies the duration will be that specified in the Particular Conditions.
In any case, when the Insured has his habitual residence in Spain, the duration of the trip can not exceed 365 days
Consecutive If, on the other hand, he had his habitual residence outside Spain, the residence time outside his
Shall not exceed 120 days in any case.
4. Territorial scope
The guarantees described in this Policy are valid for events occurring in Spain, or in Europe and coastal countries
The Mediterranean (Algeria, Cyprus, Egypt, Israel, Lebanon, Libya, Morocco, Palestine, Syria, Tunisia, Turkey and Jordan), or All of the world, according to what is specified in the Particular Conditions.
The benefits covered by this policy, will apply when the Insured is more than 20 km from your home
habitual.
5. Payment of premiums
The policyholder is obliged to pay the premium at the time of the contract. Successive premiums should
To be effective in the corresponding maturities.
If in the Particular Conditions no other place is determined for the payment of the premium, it must be paid at the address of the
Insurance taker.
In case of non-payment of the premium, if it is the first annuity, the effects of the coverage will not begin and the Insurer may resolve
Or require payment of the agreed premium. The non-payment of successive annuities shall, after expiry of one month
Suspension of the policy guarantees. In any case, the coverage will take effect 24 hours a day on which the Insured
Be the cousin.
6. Information on risk
The Policyholder has the duty to declare to ARAG, before the contract is signed, all the circumstances known to him
Which may influence the risk assessment, according to the questionnaire submitted to it. He shall be exempt from such duty if ARAG does not
Submit a questionnaire or when, even if submitted, it is a question of circumstances that may influence the assessment of the risk and that are not
Included in it.
The Insurer may terminate the contract within one month, counting from the moment it becomes known to the reservation or
Inaccuracy of the Policyholder’s declaration.
During the term of the contract, the Insured must inform the Insurer, as soon as possible, of the alteration of the factors and
The circumstances stated in the questionnaire referred to in this article that aggravate the risk and are of such a nature that
If they had been known by the Insurer at the time of perfection of the contract, would not have concluded or would have done so under
Tions.
Once an aggravation of risk is known, ARAG may, within one month, propose the modification of the contract or proceed to its termination.
If there is a risk reduction, the Insured is entitled, as of the next annuity, to reduce the amount of the
Premium in the corresponding proportion.
7. Covered warranties
In the event of a claim covered by this policy, ARAG, as soon as it is notified according to the indicated procedure
In Article 10, guarantees the provision of the following services
7.1 Medical and health care
ARAG will bear the expenses corresponding to the intervention of the professionals and health establishments required for the
Care of the Insured, sick or injured.
The following services are expressly included without limitation:
A) Attention by emergency medical teams and specialists.
B) Complementary medical examinations.
C) Hospitalizations, treatments and surgical interventions.
D) Supply of medication in boarding school, or reimbursement of its cost in injuries or diseases that do not require hospitalization.
E) Care of acute dental problems, such as those that due to infection, pain or trauma, require treatment
Of urgency.
F) In case of a minimum hospitalization of 5 days, the expenses of television as well as internet connection
Up to a maximum of 50 euros (10 euros per day, maximum 5 days), provided that it is documented with the invoice
Of the hospital center.
ARAG will bear the costs of these benefits up to the limit expressed in the Special Conditions.
Of this policy.
The dental expenses are limited, in any case, to 120 Euros, or its equivalent in local currency.
The extension of medical expenses is not contractible for travel with Spain and Spain.
7.2 Repatriation or sanitary transport of wounded or sick
In the event of an accident or illness on the part of the Insured, ARAG will take care of:
A) The cost of transportation by ambulance to the nearest hospital or clinic.
B) The control by his Medical Team, in contact with the doctor who treats the injured or sick Insured, to determine the
Appropriate measures to the best treatment to follow and the most suitable means for its eventual transfer to another hospital
Right to your home.
(C) The cost of transporting the injured or sick person by the most appropriate means of transport to the prescribed hospital or
Usual cilia.
The means of transport used in each case will be decided by the ARAG Medical Team depending on the urgency and severity
of the case.
Exclusively in Europe and countries bordering the Mediterranean, and always at the discretion of the INSURER’s Medical Team,
A specially equipped health airliner shall be used.
If the Insured is admitted to a hospital not close to his or her home, ARAG will, in due course, be responsible for the subsequent
Transfer to it.
In the event that the Insured does not have his habitual residence in Spain, he will be repatriated until the place of beginning of the trip
in Spain.
7.3 Repatriation or transport of accompanying persons.
When, pursuant to the previous guarantee, one of the Insured has been repatriated or transferred, due to illness or accident, ARAG
Will take care of the transport, so that he can accompany the Insured injured or sick, two companions to the Insured’s address
In Spain or to the place of hospitalization.
In the event that the Insured does not have his habitual residence in Spain, he will be repatriated until the place of beginning of the trip
in Spain.
7.4 Repatriation or transportation of minors or minors
If the Insured has been repatriated or transferred in accordance with the guarantee of "Repatriation or sanitary transport of wounded or sick",
In the only company of disabled children or children under fifteen years of age, ARAG will organize and take care of the displacement,
Return, by a hostess or by a person designated by the Insured, in order to accompany the children on their return home.
In the event that the Insured does not have his habitual residence in Spain, he will be repatriated until the place of beginning of the trip
in Spain.
7.5 Displacement of a relative in case of hospitalization
If the Insured’s condition is ill or injured, it requires hospitalization for more than five days, ARAG will make available to
A member of the family of the Insured, or his / her designee, a return ticket, by plane (tourist class) or train (1st class) to can accompany.
ARAG will also pay, for the cost of stay of the companion and against the presentation of the corresponding invoices, up to
85 euros per day, and for a maximum period of 10 days.
7.6 Convalescence in hotel
If the injured or injured Insured can not return to their home by medical prescription, ARAG will take care of hotel expenses
Motivated by the extension of stay, up to 85 euros per day, and for a maximum period of 10 days.
ARAG will also pay, for expenses of stay of a companion and against the presentation of the corresponding invoices,
Up to 85 euros per day, and for a maximum period of 10 days.
7.7 Repatriation or transport of the deceased Insured
In case of death of an Insured, ARAG will organize the transfer of the body to the place of burial in Spain and will take care of
The expenses thereof. In such expenses shall be included those of post-mortem conditioning in accordance with legal requirements.
Expenses of burial and ceremony will not be included.
ARAG will take care of the return to its home of two Insured companions so that they can accompany the corpse to the place
Of burial in Spain.
In the event that the Insured does not have his habitual residence in Spain, he will be repatriated until the place of beginning of the trip
in Spain.
7.8 Early return due to the death of a relative
If any of the Insured should interrupt their trip because of the death of the relatives described in the General Conditions
Of the policy, ARAG will take care of transportation, by air and by air (tourist class) or train (1st class), from the place where it is located.
Of burial in Spain.
Alternatively at your choice, the Insured may opt for two airplane tickets (tourist class) or train (1st class), up to his /
Tual
7.9 Early return for hospitalization of a relative
In the event that one of the Insureds should interrupt their trip because of the hospitalization of the relatives described in the Conditions
General of the policy, as a consequence of an accident or serious illness that requires hospitalization for a minimum period of 5
Days after the start date of the trip, ARAG will take care of the transport to the
Having his habitual residence in Spain.
In addition, ARAG will take care of a second ticket for the transportation of the person accompanying the same trip to the Insured that
Anticipated his return, provided that this second person is insured by this policy.
7.10 Early return for serious loss at the Insured’s home or professional premises
ARAG will make available to the Insured a transport ticket for the return to his home in Spain, if
Interrupt the journey for serious damage to his principal residence or professional premises of the Insured provided that he is the direct or
Exercise a liberal profession in the same, caused by fire, provided that it has given rise to the intervention of the firemen,
Burglary and reported to the police authorities, or severe flooding, which makes their presence essential, and can not be solved.
These situations by direct relatives or persons of their confidence, provided that the event occurred after the date
Of the trip. In addition, ARAG will be responsible for a second ticket for the transportation of the person accompanying
Assured that he anticipated his return, provided that this second person is in turn assured by this policy.
7.11 Transmission of urgent messages
ARAG will be responsible for transmitting the urgent messages entrusted to it by the Insured, as a result of the claims covered by the
Present guarantees.
.12 Sending medicines abroad
In the event that the Insured, when abroad, needs a medicine that can not be acquired in that place, ARAG is responsible for
It will find it and send it through the channel faster and subject to local laws. Excluded are cases of
Owner of the drug and its unavailability in the usual distribution channels in Spain.
The Insured will have to reimburse the Insurer for the cost of the medication, the presentation of the purchase invoice of the
Mentioned medicinal product.
7.13 Interpreter service
If for any of the welfare guarantees covered by this Travel Assistance policy, the Insured will need the presence
Of an interpreter in a first intervention, ARAG will put at your disposal a person who will enable a correct translation of the
Circumstances and situations to the Insured.
7.14 Advancement of monetary funds abroad
In the event that the Insured can not obtain economic funds by the means initially planned, such as travel checks, cards
Credit, bank transfer or similar, and this becomes an impossibility to continue your journey, ARAG will advance, always
That a guarantee or guarantee guaranteeing the collection of the advance, up to a maximum of 2,300 euros, be given to him. In any
If the quantities must be returned within a maximum period of thirty days.
7.15 Theft and Material Damage to Luggage
The reimbursement is guaranteed for damages and material losses of the luggage or personal effects of the INSURED in case of theft, total loss
Or partial damage due to the carrier or damage due to fire or aggression due to the carrier, which occurred during the course of the
Travel, up to the limit set in the SPECIAL CONDITIONS of the policy.
Exclusively for the theft assumption the reimbursement in no case may exceed 500 euros.
For the purposes of this guarantee, robbery is understood to mean only abduction committed by violence or intimidation to
People or strength in things. Cameras, photo accessories, radio, sound recording or picture,
As well as its accessories, are included up to 50% of the sum insured on all luggage.
This reimbursement will always be in excess of those received by the transport company and, in addition,
The collection of the same, the proof of having received the corresponding
Carrier, as well as the detailed relationship of the baggage and its estimated value.
Said reimbursement will be determined on the basis of the replacement value on the day of the loss deducted from the depreciation per use.
In order to make the provision effective in case of theft, it will be necessary to present the complaint before the authorities
Competent authorities.
The Insurer reserves the right to request the Insured to present reasonable evidence or documents for the purpose
To make payment of this benefit effective.
7.16 Delayed delivery of checked baggage
ARAG will charge up to a limit of 150 euros, upon presentation of the corresponding invoices, of the purchase of articles
Of necessity, caused by a delay of 12 or more hours in the delivery of checked baggage. If the delay were
More than 24 hours, the amount of compensation shall be EUR 105 for every 24 hours of delay.
The maximum total compensation for this coverage will be 360 euros.
In no case may this indemnification be credited to the indemnity for the guarantee of "Theft and damages to the
luggage".
In the event that the delay occurs on the return trip, it will only be covered if the baggage is delayed more than 48 hours
From the moment of arrival.
For the provision of this guarantee, the Insured must provide the Insurer with a supporting document that specifies the occurrence of the
Delay and duration, issued by the carrier.
7.17 Shipment of items lost or stolen during the trip
ARAG will organize and take care of the cost of sending the stolen items and later recovered, or simply forgotten by
The Insured, up to a limit of 125 euros, provided that the joint cost of such objects exceeds that amount.
7.18 Search, tracing and shipment of lost luggage
In the event of loss of baggage on a scheduled flight, ARAG shall use all means at its disposal to enable its location, inform the
Assured of the developments that occur in this regard and, if necessary, make it reach the hands of the beneficiary without charge for the
same.
7.19 Management fees for loss of travel documents
Management and procurement expenses, as well as their travel to and from the place of issue, shall be covered by
Justified, caused by the substitution, that the Insured must make, for the loss or theft of credit cards, checks
Banking, travel and gasoline, transportation tickets, passports or visas, that occur during the trip and stays, up to a limit of 250
Euros. They are not covered by this coverage, and, consequently, damages resulting from loss or theft will not be compensated
Of the objects mentioned or their misuse by third parties.
EXCLUSIONS APPLICABLE TO LUGGAGE GUARANTEES
They are not covered by this warranty:
A) Goods and material for professional use, jewelry, such as the set of objects of gold, platinum,
Pearls or precious stones; Currency, banknotes, travel tickets, stamp collections, title of any kind,
Identification documents and, in general, all documents and securities on paper, credit cards, tapes and / or discs with
Moria, documents recorded on magnetic or filmed tapes; The value objects being understood as such the set of
Objects of silver, paintings, works of art, and all kinds of art collections, as well as fine fur; Prosthetics, glasses and
contact lenses; Sports equipment; Mobile phones; And computer equipment such as laptops or tablets.
B) Theft, understood as such, theft committed negligently, without violence or intimidation in people
Nor force in things.
C) Damage due to normal or natural wear, own defect and inadequate or insufficient packaging. Those produced by the
Slow action of the weather.
D) Losses resulting from an object, not entrusted to a carrier, has simply been lost or forgotten.
E) Theft from the practice of camping or caravan in free camping, being totally excluded the objects
Of value in any form of camping.
F) The damage, loss or theft, resulting from the effects of personal effects have been left unattended in a
Public place or in a place made available to several occupants.
(G) Breakage, unless caused by an accident in the means of transport, by simple or fractured
Sion by fire or extinction of the same.
H) Damages caused directly or indirectly by acts of war, civil or military disorders, popular riots, strikes,
Earthquakes and radioactivity.
I) The damage caused intentionally by the INSURED, or gross negligence of the INSURED and those caused by spillage of
Liquids that go inside the luggage.
J) All motor vehicles, as well as their accessories and accessories.
7.20 Travel cancellation fees
ARAG guarantees up to the economic limit established in the Particular Conditions of the policy, and subject to exclusions
Nents mentioned in this policy, the reimbursement of expenses for cancellation that
By the Insured and charged to him by application of the general conditions of sale of the Agency, or of any of the
Travel expenses, including management expenses, provided that it cancels before the commencement of the trip and by one of the
Following causes arising after the contracting of the insurance and that prevent travel on the contracted dates:
1) Severe illness or serious accident or death of:
The Insured, his / her spouse, ascendants or descendants of up to third degree of consanguinity or affinity.
The companion of the insured, registered in the same reservation.
Its professional substitute, as long as it is essential that the position or responsibility must then be assumed by the Insured.
The person in charge during the travel and / or stay period of custody of minor or disabled children. For this guarantee
It is necessary to provide at the time of signing the insurance, the name and surname of that person.
For the purposes of insurance coverage, the following definitions apply:
- A serious illness, the alteration of health, ascertained by a medical professional, which obliges the patient to stay in bed and
Imply the cessation of any activity, professional and private within the thirty days prior to the planned trip.
- Severe accident, any bodily injury resulting from a violent, sudden, external cause and unrelated to the intentionality of the injured, whose
Consequences prevent the normal displacement of his habitual residence.
When the illness or accident affects any of the persons mentioned, other than those insured by this policy, shall be understood as
Serious when it implies, after the insurance is contracted, hospitalization or the necessity of bed rest and
In the opinion of a medical professional, the care and continuous care of health personnel or persons designated
For this, after medical prescription within 12 days prior to the start of the trip.
The Insured shall immediately report the loss on the date on which it occurs, with the Insurer reserving the right to
Make a medical visit to the Insured to assess the coverage of the case and determine if the cause really precludes the start of the trip.
However, if the illness does not require hospitalization, the Insured must report the incident within 72 hours
Following the event that gave rise to the cause for annulment of the trip.
2) Serious damages as a result of theft, fire or other damages that affect:
- The habitual and / or secondary residence of the Insured.
- The professional place where the Insured has a liberal profession or the direct operator (manager) and necessarily involve the
Presence of the Insured.
3) Dismissal of the Insured, provided that at the beginning of the insurance there was no verbal or written communication. Discrimination is excluded.
Plinario
4) Incorporation to a new job in a different company, with a labor contract and provided that the incorporation takes place with
Subsequent to the adhesion of the insurance and that was not known at the date on which the reservation of the stay was made.
5) Convocation as part or member of a jury or witness of a Court of Justice.
6) Call as a member of a polling station.
7) Presentation to examinations of official competitions convened through a public body after the subscription of the
insurance.
8) Cancellation of the persons who are to accompany the Insured, up to a maximum of two, enrolled in the same trip and insured in this Same as the policy, provided that the annulment has its origin in one of the causes listed in this warranty and, as a result, has the
Travel alone or accompanied by a minor.
9) Acts of air, land or naval piracy, which makes it impossible for the Insured to start or continue their journey.
Terrorist acts are excluded.
10) Theft of documentation or luggage that makes it impossible for the Insured to start the trip.
11) Knowledge after the contracting of the reserve, the tax obligation to make a parallel income statement,
Whose share to be settled exceeds 600 €.
12) The non-granting of visas for unjustified causes.
The non-granting of visas is expressly excluded if the insured person has not made the necessary
Within the period and form for granting them.
13) The forced transfer of work for a period exceeding 3 months.
14) The unexpected call for surgical intervention of:
The Insured, his / her spouse, ascendants or descendants of first or second degree of consanguinity or affinity.
The companion of the insured, registered in the same reservation.
Its professional substitute, as long as it is essential that the position or responsibility must then be assumed by the Insured.
The person in charge during the travel and / or stay period of custody of minor or disabled children. For this guarantee
It is necessary to provide at the time of signing the insurance, the name and surname of that person.
15) Complications of pregnancy or miscarriage of the Insured, her spouse or domestic partner, which, in the judgment of a
Sion, bed rest.
Births and complications of pregnancy are excluded from the seventh month of gestation.
16) The official declaration of catastrophic zone in the place of residence of the Insured or in the place of destination of the trip. Also remains
Covered by this guarantee, the official declaration of a catastrophic area of the place of transit towards the destination, provided that it is the only
Way to access it.
A maximum indemnity amount per claim of € 30,000 is established
17) Obtaining a trip and / or stay similar to the one contracted, free of charge, in a public and
Notary.
18) Police retention of the Insured for non-criminal causes.
19) Delivery of a child for adoption. Excluded are the travel or formalities foreseen and necessary to formalize the delivery of
A child for adoption.
20) Official call of the Insured for divorce proceedings. Calls for procedures with the lawyer are excluded
own.
21) Extension of the Insured’s employment contract
22) Grant of official scholarships that impede the realization of the trip
23) Unexpected call for organ transplants of the Insured, family to second degree of consanguinity or affinity or the accompaniment
The Insured.
24) Signature of official documents of the Insured on the dates of the trip, exclusively before the Public Administration.
25) Any serious illness of children under 48 months, who are insured by this policy or relatives of first degree of the
Insured, that occurs within the 2 days prior to the start of the trip and that prevents the accomplishment of the same.
26) Judicial declaration of suspension of payment of a company that prevents the Insured from developing their professional activity
27) Failure or accident in the vehicle owned by the Insured that prevents the start or continuation of the trip. The fault must be a
Arrangement of more than 8 hours or more than 600 €, in both cases according to the manufacturer’s scale.
28) Expenses of assignment of the Insured’s trip to another person for any of the guaranteed causes.
29) Cancellation of Wedding Ceremony, provided that the insured trip is Honeymoon Travel.
30) Abandonment of the trip for delay of more than 24 hours in the means of transport due to the disappearance of the object of the trip.
The costs of cancellation shall be compensated unless they have been previously paid by the carrier.
31) Theft, death, illness or serious accident of the companion animal, of which the insured, spouse or partner is property
Tary
It is guaranteed the reimbursement of expenses for cancellation of travel that occur because of:
• Theft of the animal, understood as such the illegitimate seizure by the third party of the animal through acts that imply force in
Things or violence in people. For the reimbursement of such cancellation expenses, the Insured must submit a copy of the
Of the said robbery, which must be dated no later than three days before the start of the trip.
• Illness or serious accident of the pet: the alteration of health, ascertained by a veterinarian. It will be understood as serious when
Subsequent to the contracting of the insurance, and it is required, in the opinion of a veterinarian, the care and continuous care of the
Designated for this purpose, subject to veterinary prescription within 12 days prior to the commencement of travel and to prevent the
same.
32) Presentation of Employment Regulation File that directly affects the insured as an employee and see
Partially or totally reduced their working day. This circumstance must occur after the date of subscription of the
insurance.
33) Requirement for urgent and inexcusable incorporation to Armed Forces, Police or Firemen.
34) Traffic penalty higher than 600 €.
35) Serious illness or serious accident or death of the direct superior of the Insured, occurring after the adhesion of the
Insurance and provided that this circumstance prevents the Insured from carrying out the trip at the request of the Company of which he is employed.
do.
36) Call for medical tests of the Insured or relatives of first degree, made by the Public Health as a matter of urgency,
Provided they coincide with the dates of the trip and are justified by the gravity of the case.
37) Premature delivery, before the 29 weeks’ gestation, of the Insured.
38) Loss in the Insured’s home, occurring after the insurance’s adhesion, exceeds 600 € and is not covered
Within your home insurance policy.
39) Theft of the vehicle owned by the Insured that prevents the start of continuity of the trip.
40) The sequelae of vaccination necessary for a trip, provided that they produce a serious illness that prevents travel.
In any case, it is essential that this guarantee be contracted at the same time of the contracting of the trip
Object of this insurance, or at most within the next 7 days.
SPECIFIC EXCLUSIONS FROM THE GUARANTEE OF TRAVEL CANCELLATION EXPENSES:
In addition to what is indicated in Article 8 "Exclusions" of these General Conditions of Insurance, the
Travel cancellations having their origin in:
A) An aesthetic treatment, a cure, a contraindication of air travel, the lack or contraindication of vaccination, the
The possibility of following in certain destinations the preventive medicinal treatment advised, the voluntary interruption of pregnancies,
Alcoholism, drug and narcotic use, unless these have been prescribed by a physician and are consumed
Indicated.
B) Psychiatric, mental or nervous illnesses and depressions without hospitalization, or justifying an inferior hospitalization.
Up to seven days
(C) Chronic or pre-existing or congenital diseases of all travelers who have suffered from decompensation or
Within 30 days prior to the hiring of the policy, regardless of age.
D) Chronic, pre-existing, congenital or degenerative diseases of the Family described in the General Conditions
Who suffer alterations in their condition that do not require outpatient care in a hospital or hospital admissions emergency.
After the contracting of the insurance.
E) The participation in bets, contests, competitions, duels, crimes, quarrels, except in cases of self defense.
F) Epidemics, pandemics, medical quarantine and pollution, both in the country of origin and destination of the trip.
G) War (Civil or foreign), declared or not, riots, popular movements, acts of terrorism, any effect of a source
Of radioactivity, as well as the conscious nonobservance of official prohibitions.
H) The non-presentation of any indispensable documents on any trip, such as passport, visa,
Tickets, passport or vaccination certificate.
) Willful acts, as well as self-inflicted injuries intentionally, suicide or attempted suicide.
7.21 Interruption of vacation per stay not enjoyed
The INSURER will compensate the Insured for the contracted services, up to the limit established in the Particular Conditions,
When, as a consequence of a mishap covered by the policy, the Insurer had previously transferred the INSURED to its address
And could not have enjoyed them. The compensation shall be calculated on the basis of the amounts of land services not
Following repatriation and early return organized by the INSURER, provided that the INSURED
Would have been able to recover the amounts through the travel provider. Roundtrip tickets are excluded.
For the purposes of this guarantee, land services are understood to mean stays in hotels or apartments, land excursions or any other
Other land services (hotel, bus, limousine, etc.), previously contracted upon departure. The count of the days of
Travel shall be carried out from the day following that on which the anticipated return or organized medical repatriation took place
By the INSURER who gave rise to the interruption of the trip except in the assumption of hospitalization of the INSURED in which
Will take place from the day of your hospital admission which ended in medical repatriation organized by the INSURER.
This coverage will apply only in the following cases:
1. Illness or accident of the INSURED.
2. Hospitalization of an uninsured FAMILY, once the trip begins, requiring a minimum of 24 hours of internment.
3. Death of the INSURED during the trip or an uninsured FAMILY.
4. Serious damage as a result of theft, fire or other damage affecting:
The habitual and / or secondary residence of the Insured.
The professional premises in which the Insured has a liberal profession or the direct (manager) operator necessarily
Presence of the Insured.
7.22 Delays and losses of services:
ARAG will reimburse the expenses or damages caused by any circumstance described and guaranteed by the following sections and
Affect the services contracted by the Insured in their trip with the Wholesale Agency.
The cases of social conflicts are excluded, in addition to the cases detailed in Article 8 of the Exclusions
General.
7.22.1 Expenses incurred as a result of delayed departure from the means of transport
In the event of a delay of more than 6 hours at the exit of the public transport chosen by the Insured, ARAG will reimburse the
Amount of 50 euros for each delay of 6 hours, for the additional hotel, board and transportation expenses, and
Up to a maximum of 200 euros.
If the delay is longer than 24 hours, the amount of compensation will be up to 100 euros for every 24 hours of delay.
The maximum total compensation for this coverage will be 350 euros.
In any case, it is essential to submit the supporting documents and invoices that prove the delay and expenses
Caused by it.
7.22.2 Mandatory travel extension
When for reasons beyond the control of the organizer of the trip the INSURED must remain immobilized during the course of the trip, ARAG will be made
Charge, on presentation of supporting documents and appropriate invoices, of the expenses incurred in this situation for an amount
Of up to 70 euros per day, with a maximum limit of 350 euros.
If due to meteorological causes, delay of the means of transport, cancellations or breakdowns of the means of transport, all
Travel agent, the INSURED must remain inactive and stay in the destination of the trip, ARAG will extend the validity of the
Insurance, for a single time, and up to a maximum of 2 days from the date of completion of the trip originally planned.
7.22.3 Loss of transport links If the means of public transport is delayed by more than 4 hours, due to technical failure
Weather, natural disasters, intervention by authorities or other persons by force, or any
Of force majeure, and as a consequence of this delay, it would be impossible to link to the following closed public transportation and
Provided in the ticket, ARAG will pay the limit of 800 euros and upon presentation of supporting documents and invoices, expenses
Transport necessary to reach the intended destination.
7.23 Change in services initially contracted
In case of overbooking or last-minute cancellation, both of airplanes and hotels that are outside the organization of the
Agency, ARAG will take charge, upon presentation of the supporting documents and invoices, according to the following scale:
* Departure of an alternative transport not foreseen: ARAG will reimburse 60 euros for every 6 complete hours of delay, with
A ceiling of 360 euros.
* By change of hotels / apartments: ARAG will refund with 55 euros per day for hotel or apartment change, provided
Less than initially planned, and up to the maximum limit of EUR 550, provided
Documentation by means of the presentation of the documentation relating to the contracting of the trip and that corresponding to the
Hotel definitely used.
The payment of refunds as a result of the application of this guarantee, will not be cumulative with those of the guarantee of the
Article 7.22, "Delays and losses of services".
The Insurer, in the case of guarantees for payment of reimbursement, is subrogated in the actions and rights of the Insured, until the
Limit of the quantity satisfied, to claim against the person responsible for the delays produced and the change of category of the
Hotel hired.
The cases of social conflicts are excluded, in addition to the cases detailed in Article 8, Exclusions
General.
7.24 Loss of contracted services
If the public transport chosen by the INSURED is delayed due to technical failure, inclement weather or natural disasters.
Intervention of the authorities or other persons by force, or any cause of force majeure, and as a consequence of this
Delayed the INSURED lost part of the services contracted, such as excursions, visits, hotel nights or meals, the ASEGU-
RADOR will refund up to the limit of 300 euros, the amount of such services not enjoyed.
This circumstance must be verifiable through the presentation of the documentation related to the contracting of the trip.
7.25 Opening and repair of safes
When the hotel in which the Insured is housed has charged to the same the expenses paid as a result of having had to
Open or repair the safe and / or safe deposit box that the Insured was using as a result of having lost the key,
ARAG will take care of them, against the presentation of the appropriate supporting documents and up to the maximum limit of 175 euros.
7.26 Loss of the keys of the habitual residence
If as a consequence of the loss, theft or simple loss of the keys of the habitual residence of the Insured, during the guaranteed trip
By the present policy, he / she would need to use the services of a locksmith to enter his home on the return of said
Travel, ARAG will bear the expenses incurred, upon presentation of invoice up to the limit of 75 euros.
7.27 Cancellation of cards
In case of theft, robbery or loss of bank or non-bank cards, issued by entities in Spain, the INSURER, at the request of
INSURED, undertakes to request its cancellation provided that it provides all the information required by the issuing entity
Card to carry out this process.
7.28 Distance legal advice on journeys
In matters related to the general scope of a displacement of those covered by the policy, the INSURER shall advise by
Telephone or other means at a distance to the INSURED about the rights that assist you. Legal advice will be provided by a lawyer
Belonging to the Legal Assistance Center of the INSURER. The consultation may not deal with matters that are contrary to the laws,
Moral and / or public order.
The consultation will be dealt with verbally, without issuing a written opinion. The advice will consist of a first legal
The subject matter of the consultation and will not include a review of documentation.
In the event that the need for legal advice occurs during a trip abroad to any country with which Spain maintains,
Diplomatic relations, related to an accident occurring in his private life, the INSURER will put him in contact with the
Embassy or Consulate in order to be provided by an attorney in that country who speaks Spanish, so that
Can make an interview in his office or assist him in his statements before the Courts or competent authorities. The consultation and
Legal assistance shall be borne by the INSURED.
7.29 General Information (Embassies, Immunizations and Entry Requirements)
The Insured who travels abroad may request from the Company information on obtaining the necessary Visa to travel to the
Country of destination of the trip for which the policy is subscribed, as well as on the necessary vaccines or that are recommended by doctors or
Competent Authorities.
This information must be requested at least two working days before the start of the trip.
7.30 Charges for abduction
In the event of a hijacking of the means of public transportation, where the INSURED is traveling, the INSURER shall pay for expenses,
On presentation of supporting documents, for the continuation or return of the trip, up to the maximum limit of 4,000 euros.
7.31 Loss of means of transport by accident "in itinere"
If as a consequence of an accident of the public or private means of transport chosen by the INSURED for the approach to the airport,
Port of sea or railway or bus station where the journey begins, the public transport method closed and planned in
The ticket, the INSURER will pay up to the limit of 350 euros and upon presentation of the supporting documents and invoices, the
Additional hotel, handling and transportation expenses incurred during the wait until the connection to the
Following means of transport.
7.32 Assistance to family members at the Insured’s domicile
If the Insured should remain hospitalized for illness or accident, during his covered trip within the guarantees of the present
Contract, and the presence of a person in his habitual residence was necessary, for a serious and urgent reason duly justified.
ARAG will organize and take charge of the round-trip by regular (tourist class) or train (first class)
Person who designates the insured and who is resident in Spain to be transferred to the Insured’s address, up to an economic limit
Maximum of € 120.
7.33 Complaint in foreign purchase contracts
ARAG guarantees the claim for non-compliance with the purchase agreements entered into with foreign companies, which
Have as their object movable property and in which the Insured is a party.
For the purposes of this guarantee, the following shall be understood exclusively as movable property: decoration objects, household electrical appliances
Personal belongings and food, provided they are owned by the Insured and used for their personal use.
Antiques, philatelic or numismatic collections and jewels or works of art are excluded from the coverage.
Unit value exceeds 3,000 euros.
The maximum limit of expenses for this guarantee is 3,000 euros.
8. Exclusions
The concerted guarantees do not include:
A) The acts voluntarily caused by the Insured or those in which there is fraud or gross negligence on the part of the Insured.
(B) Chronic, pre-existing or congenital ailments or diseases, as well as their consequences, suffered by the
Prior to the commencement of the trip, except for the guarantee of "Repatriation or transport of the deceased Insured".
C) Death by suicide or injuries or illnesses derived from the intent or intentionally produced by the Assurance-
And the ones derived from the criminal enterprise of the Insured.
D) Diseases or disease states caused by ingestion of alcohol, psychotropic, hallucinogenic or any other
Drug or substance of similar characteristics.
E) Aesthetic treatments and the provision or replacement of hearing aids, lenses, glasses, orthotics and prosthetics in general, as well as
Expenses incurred for childbirth or pregnancy and any type of mental illness.
F) Injuries or illnesses derived from the Insured’s participation in bets, competitions or sports events,
The practice of skiing and any other type of winter sports or so-called adventures (including the cross-
Rism, trekking and similar activities), and the rescue of people in sea, mountain or desert areas.
(G) Assumptions arising, directly or indirectly, in facts produced by nuclear energy, radioactive
Natural disasters, acts of war, disturbances or terrorist acts.
H) Any type of medical or pharmaceutical expense of less than 9 euros.
9. Limits.
ARAG will assume the costs outlined, within the established limits and up to the maximum amount contracted for each case. In the case of
Facts that have the same cause and have occurred in a same time, will be considered as a unique sinister.
ARAG will be obliged to pay the benefit, except in the event that the loss has been caused by bad faith of the Insured.
In the case of guarantees for the payment of a liquid amount in cash, ARAG is obliged to pay the indemnity at the end of the
Investigations and examinations necessary to establish the existence of the incident. In any case, ARAG will pay, within the 40
Days of receipt of the claim, the minimum amount of what he may owe, according to the circumstances known to him.
you give. If within three months from the production of the ARAG claim he has not made such compensation for an unjustified cause or
Which is imputable, the compensation shall be increased by 20 per cent per annum.
10. Declaration of a claim
In the event of an accident that may lead to covered benefits, the Insured shall,
Emergency telephone service established by ARAG, indicating the name of the Insured, policy number, place and
Phone number where you are, and the type of assistance you need. This communication may be collected.
11. Additional provisions
The Insurer will not assume any obligation in connection with benefits that have not been requested or that have not been
With their prior agreement, except in duly justified cases of force majeure.
Where the provision of services is not possible direct intervention of ARAG, it shall be obliged to reimburse the Insured
Duly credited expenses deriving from such services, within a maximum period of 40 days from the presentation of the
Mos.
In any case, the Insurer reserves the right to request the Insured to present reasonable documents or evidence to the Insured.
Object of effecting the payment of the requested benefit.
12. Subrogation
Up to the amount of the amounts disbursed in fulfillment of the obligations derived from this policy, ARAG will be automatically
As a substitute in the rights and actions that may correspond to the Insured or his heirs, as well as to other beneficiaries,
Against third parties, physical or legal, as a result of the incident causing the assistance rendered.
In particular, this right may be exercised by ARAG in relation to land, river, sea or
Concerning the total or partial restitution of the cost of tickets not used by the Insured.
13. Prescription
The actions that derive from the insurance contract will be prescribed within two years if it is damage insurance and
Five if the insurance is for people.
14. Indication
If the content of this policy differs from the insurance proposal or the agreed clauses, the Policyholder
May claim to the Company within one month, counting from the delivery of the policy, to remedy the divergence
existing. After this period has elapsed without the claim being made, the policy will be in accordance with the policy.
15. Customer information
Fulfilling our duty of information and protection of our clients for the mediation services we provide, we
We inform
Registry
INTERMUNDIAL XXI, S.L. Is inscribed in the Special Administrative Register of Insurance Mediators, Reinsurance Brokers
And its senior posts with registration number J-1541. This Register is public and can be consulted by sending a letter to the Directorate
General of Insurance and Pension Funds (Paseo de la Castellana, 44, 28046-Madrid), or by consulting the company’s website
Http://www.dgsfp.mineco.es/regpublicos/pui/pui.aspx
In addition, INTERMUNDIAL XXI, S.L. Has a Professional Liability Policy and Surety Insurance according to current legislation
Clause of confirmation of receipt of prior information
The Insurance / Insured Policyholder hereby expressly acknowledges having received from the Insurer, in writing and on a date and contract,
Of the insurance according to their particular conditions, the timely information on the law applicable to the insurance contract, the
Different instances of claim, the Member State of the Insurer’s domicile and its controlling authority, the company name,
Address and legal form of the Insurer.
Customer Service
To address and resolve complaints and claims, INTERMUNDIAL XXI, S.L. Has an outsourced Customer Service Department in
Inade, Instituto Atlántico del Seguro, S.L., with address in Vigo, Pontevedra province, zip code 36202, La Paz Street,
2 low. Said Service has the obligation to resolve such complaints or claims within a maximum period of two months from the date of the
presentation. If such a decision is not to the satisfaction of the Client, you may contact the Claims Service of the DGSFP,
In order to prove that he or she has made the complaint or complaint, in writing, to the INTERMUNDIAL Customer Service Department
XXI, S.L ...
Personal data protection
In accordance with the provisions of Law 15/1999 of 13 December on the Protection of Personal Data (LOPD), and the Law
26/2006, of 17 July, on Private Insurance and Reinsurance Mediation, the Client is informed that personal data
Requested by INTERMUNDIAL XXI, S.L. Will be processed and recorded in an automated file.
The collection and processing of Personal Data is intended to maintain the relationship established between INTERMUNDIAL
XXI, S.L. And its Clients: advice and information on the contracting and during the validity of insurance contracts and products
Financial assistance, assistance and advice in the event of an accident, as well as sending, by traditional and electronic means, information about
Of products and services offered by INTERMUNDIAL XXI, S.L., currently and in the future, regardless of its high
As a client of INTERMUNDIAL XXI, S.L ..
Likewise, the Client consents to the assignment of the data to the Underwriting Entities for the preparation of the projects and offers, issue
Of relevant insurance contracts and manage the benefits derived from them, including the subjective modification of the Insured-
The contract has expired.
The requested personal data must be obligatorily provided, as it is considered necessary for the maintenance and fulfillment of
Service, in case of not being supplied it will not be possible to conclude it.
In addition, the Client is informed that he can exercise at any time, in relation to his personal data provided, the
Rights of access, rectification, cancellation and opposition, for which it should be addressed to INTERMUNDIAL XXI, S.L., as responsible for the
Processing of said data, at the address indicated in the header of this document.
Objective Analysis
Our advice is provided on the basis of a sufficient number of insurance contracts offered in the market of the risks
Coverage, so that it can formulate a recommendation, according to professional criteria, regarding the insurance contract that would be
Adapted to the needs of the client. This analysis is not confined exclusively to the product, but also extends to the quality
Of the service and benefits that the insurance company, chosen or on the contrary, discarded, at the time of the conclusion of the contract
Is qualified to grant.
COMPLEMENTARY INSURANCE OF PERSONAL ACCIDENTS
Definitions:
Accident: It is understood by accident the corporal injury that derives from a violent cause, sudden, external and extraneous to the intentionality of the
Insured, that causes permanent, total and partial disability, or death.
Permanent disability: Permanent disability is understood as the organic or functional loss of the members and faculties of the Insured
Whose intensity is described in these General Conditions, and whose recovery is not considered foreseeable according to the opinion of
The medical experts appointed according to Law.
Sum insured: The amounts fixed in the Particular and General Conditions, the maximum limit of the indemnity to be paid
By the Insurer in case of loss.
Disagreement in the assessment of the degree of invalidity: If the parties agree on the amount and form of compensation
The Insurer shall pay the agreed sum. In case of non-compliance, the provisions of the Contract Law of
Insurance.
PAYMENT OF INDEMNIFICATION:
A) The Insurer is obliged to satisfy the indemnity at the end of the investigations and examinations necessary to establish the
Existence of the loss and, if applicable, the amount resulting from it. In any event, the Insurer must, within the
Forty days from the receipt of the claim declaration, payment of the minimum amount of what the Insurer may owe,
According to the circumstances known to him.
B) If within three months from the production of the accident the Insurer has not made the repair of the damage or indemnified its
Amount due to an unjustified or imputable cause, the compensation shall be increased by a percentage equivalent to
Legal interest of the current currency in that moment, increased in turn by 50%.
C) In order to obtain payment in case of death or permanent disability, the Insured or the Beneficiaries must send to the Insurer the
Supporting documents, as follows:
C.1. Death:
- Death certificate.
- Certificate of the General Registry of Last Wills.
- Testament, if it exists.
- Certification of executor as to whether the beneficiaries of the insurance are designated in the will.
- Document proving the personality of the beneficiaries and the executor.
- If the beneficiaries were the legal heirs will also be necessary the Declaration of Heirs issued by the Court
competent.
- Letter of exemption on Inheritance Tax or liquidation, if applicable, duly completed by the Office
Competent administrative
C.2. Permanent disability:
- Medical certificate of incapacity expressing the type of disability resulting from the accident.
24 HOUR PERSONAL ACCIDENT INSURANCE
The Insurer guarantees, up to the amount established in the particular conditions of the policy, and subject to the exclusions that
Are indicated in these General Conditions, the payment of compensation that in case of death or permanent disability can co-
As a result of accidents to the Insured during trips and stays outside the habitual domicile.
People over the age of 70 are not covered, and children under 14 years old are guaranteed the risk of death,
Only up to € 3,000 for funeral expenses and for the risk of permanent disability up to the amount fixed in the
Particular conditions.
PERSONAL ACCIDENT INSURANCE EXCLUSIVELY IN THE PUBLIC TRANSPORT ENVIRONMENT
This insurance covers, exclusively and up to the limit indicated in the particular conditions of the policy, the compensation for death and
Invalidity of the INSURED as a result of the accident of the means of public transport: airplane, regular liner, train or coach of
Line as a passenger, including the raising and lowering of said means of locomotion, according to the means to be used and described.
In the program of the trip.
Insurance coverage is excluded for persons traveling in private, rental, single engine (either
Propeller, turboprop, jet, etc.) or on cruise ships.
People over the age of 70 are not covered, and children under 14 years old are guaranteed the risk of death,
Only up to € 3,000 for funeral expenses and for the risk of permanent disability up to the amount fixed in the
Particular conditions.
The compensation provided for in the Personal Accident Insurance exclusively in the public transport mode will not be complementary to
That received by the Personal Accident Insurance 24 hours, in case both were contracted in the same policy.
The limit of compensation shall be fixed:
A) In case of death:
When it is proven that death, immediate or delayed within one year from the occurrence of the incident, is
As a consequence of an accident guaranteed by the policy, the Insurer will pay the amount fixed in the Particular Conditions.
If after the payment of permanent disability compensation, the death of the Insured, as a result of the same
Loss, the Insurer shall pay the difference between the amount paid for disability and the sum insured in the event of death, when
This sum was higher.
B) In case of permanent disability:
The Insurer will pay the total amount insured if the disability is complete or a part proportional to the degree of invalidity if this is partial.
For the evaluation of the respective degree of disability, the following table is established:
B.1 Loss or disabling of both arms or both hands, or of an arm and a leg, or of a hand or of a foot, or of both legs, or
Both feet, absolute blindness, complete paralysis, or any other injury that incapacitates her for all work . 100%
B.2 Absolute loss or uselessness:
- One arm or one hand .60%
- One leg or one foot 15%
- Complete deafness 40%
- The movement of the thumb or the index .. 40%
- Loss of sight of one eye . 30%
- Loss of the thumb of the hand 20%
- Loss of the index finger of the hand 15%
- Ear deafness . 10%
- Loss of any other finger 5%
In cases not mentioned above, as in partial losses, the degree of invalidity shall be fixed in proportion to its serious-
Compared to the listed invalidations. In no case may it exceed the total permanent disability.
The degree of disability must be definitively established within one year from the date of the accident.
For the purpose of assessing the actual invalidity of a member or body concerned, the situation shall not be taken into account.
Of the Insured.
If before the Accident the Insured had bodily defects, the disability caused by such accident can not be classified in a
Higher than would be the case if the victim were a normal person from the point of view of bodily integrity.
The absolute and permanent functional impotence in the limb is assimilable to the total loss of it.
EXCLUSIONS
They are not covered by this warranty:
A) Personal injuries that occur in a state of mental alienation, paralysis, apoplexy, diabetes, alcoholism,
Substance abuse, spinal cord diseases, syphilis, AIDS, encephalitis, and, in general, any injury or illness that
Decrease the physical or psychological capacity of the Insured.
(B) Bodily injury as a result of criminal actions, provocations, quarrels - except in cases of legitimate
Fights, imprudences, bets or any risky or reckless company, and accidents as a
War, although it has not been declared, popular riots, earthquakes, floods and volcanic eruptions.
Tions.
C) Diseases, hernias, lumbago, intestinal strangulations, complications of varicose veins, poisonings or
Infections that do not have as direct and exclusive cause an injury included within the insurance guarantees. The
Consequences of surgical operations or unnecessary treatments for the treatment of accidents and those that
Belong to the care of the person himself.
D) The practice of the following sports: races of speed or resistance, ascensions and aeronautical trips, climbs,
Speleology, horseback riding, polo, wrestling or boxing, rugby, deep sea fishing, parachuting, and any game or activity
Sport with a high degree of risk.
(E) The use of a two-wheeled vehicle with a cylinder capacity exceeding 75 c.c.
F) The exercise of a professional activity, provided it is not of a commercial, artistic or intellectual nature.
G) Excluded from the benefit of the guarantees covered by this policy is any person who intentionally causes the
Sinister.
H) The situations of aggravation of an accident occurred prior to the formalization of the policy are not included.
MAXIMUM CUMULA:
The maximum indemnity of the present policy and for a single sinister, will not exceed 1.200.000 euros.
CLAUSE FOR INDEMNIFICATION BY THE CONSORTIUM OF INSURANCE COMPENSATION OF THE LOSSES DERIVED FROM
EXTRAORDINARY EVENTS IN PERSONAL INSURANCE.
In accordance with the provisions of the consolidated text of the Legal Statute of the Insurance Compensation Consortium, approved by the Royal
Legislative Decree 7/2004, of October 29, the policy holder of an insurance contract that must include a surcharge to
In favor of the aforementioned corporate public entity has the power to agree to cover the extraordinary risks with any entity
Insurer that meets the conditions required by current legislation.
Compensation arising from accidents caused by extraordinary events in Spain or abroad, when
The insured person has his habitual residence in Spain, will be paid by the Insurance Compensation Consortium when the policyholder has
The corresponding surcharges in their favor were satisfied and any of the following situations occurred:
A) That the extraordinary risk covered by the Insurance Compensation Consortium is not covered by the contracted insurance policy
With the insurer.
B) That, even if protected by said insurance policy, the obligations of the insurer could not be fulfilled because
Has been declared in court in competition or because it is subject to a winding-up procedure intervened or assumed by the
Insurance Compensation.
The Insurance Compensation Consortium will adjust its performance to the provisions of the aforementioned Statute, Law 50/1980, of 8
October, of the Insurance Contract, in the Extraordinary Risk Insurance Regulations, approved by Royal Decree 300/2004 of 20
February, and in the complementary provisions.
Summary of legal rules:
1. Extraordinary events covered:
A) The following phenomena of nature: earthquakes and tsunamis; Extraordinary floods, including those caused by
Of sea; Volcanic eruptions; Atypical cyclonic storm (including extraordinary winds of gusts over 120 km / h and
Tornadoes); And falls of sidereal bodies and aeroliths.
B) Those caused violently as a result of terrorism, rebellion, sedition, mutiny and popular tumult.
C) Acts or actions of the Armed Forces or of the Security Forces and Corps in time of peace.
Atmospheric and seismic phenomena, volcanic eruptions and the fall of sidereal bodies will be certified, at the request of the Consortium of
Insurance Compensation, through reports issued by the State Meteorological Agency (AEMET), the National Geographic Institute and
The other public bodies competent in the matter. In cases of political or social events, as well as in the
Alleged damages caused by acts or actions of the Armed Forces or the Security Forces in peacetime,
The Insurance Compensation Consortium may seek information from the competent judicial and administrative
Events.
2. Risks excluded:
A) Those that do not give rise to indemnity according to the Law of Insurance Contract.
B) Those caused in persons insured by insurance contract other than those in which the surcharge in favor
Of the Insurance Compensation Consortium.
C) Those produced by armed conflicts, even if they have not preceded the official declaration of war.
D) Derivatives of nuclear energy, without prejudice to Law 12/2011, of May 27, on
Nuclear damage or produced by radioactive materials.
E) Those produced by phenomena of a nature other than those mentioned in section 1.a) above, and in particular the
Caused by elevation of the water table, movement of slopes, landslides or settling, landslides,
Rocks and similar phenomena, unless these were manifestly caused by the action of
In turn, would have caused an extraordinary flood in the area and would occur simultaneously with
Flood.
F) Those caused by tumultuous actions produced in the course of meetings and demonstrations carried out according to
To the provisions of Organic Law 9/1983, of July 15, regulating the right of assembly, as well as during the course of
Legal strikes, unless such actions could be described as extraordinary events of the
Sides in section 1.b) above.
G) Those caused by bad faith of the insured.
(H) claims related to claims incurred prior to the payment of the first premium or where, in accordance with
Insurance Contract Law, the coverage of the Insurance Compensation Consortium is suspended or the insurance
Be extinguished for non-payment of premiums.
I) Claims that, due to their magnitude and severity, are classified by the Government of the Nation as "catastrophe or calamity"
Nationality ’.
3. Extension of coverage.
1. The coverage of the extraordinary risks shall reach the same persons and the same insured sums that have been established in
The insurance policies for the purposes of covering ordinary risks.
2. In life insurance policies that, in accordance with the provisions of the contract, and in accordance with the regulations governing insurance
Private provision, generate mathematical provision, the coverage of the Insurance Compensation Consortium will refer to the capital at risk for
Each insured, that is to say, the difference between the sum insured and the mathematical provision that the insurer that had it
Issued must have been constituted. The amount corresponding to the mathematical provision will be paid by the said insurer.
Communication of damages to the Insurance Compensation Consortium
1. The request for compensation of damages whose coverage corresponds to the Consortium of Insurance Compensation, will be made through
By the policyholder, the insured or the beneficiary of the policy, or by the person acting on behalf of the
Or by the insurer or the insurance intermediary with whose intervention the insurance had been managed.
2. The communication of damages and the obtaining of any information related to the procedure and the processing of the claims
May be carried out:
- By call to the Telephone Assistance Center of the Insurance Compensation Consortium (952 367 042 or
902 222 665).
- Through the website of the Insurance Compensation Consortium: www.consorseguros.es
The assessment of damages that are compensable under the insurance legislation and the content of the insurance policy
By the Insurance Compensation Consortium, without being bound by the assessments made, if any, by the
Insurance company covering ordinary risks.
4. Payment of compensation:
The Insurance Compensation Consortium will make the payment of the indemnity to the beneficiary of the insurance by bank transfer.
Bankruptcy of suppliers
General Conditioning
Policy Number:
IM / 2015/01 / 044M
BANKRUPTCY OF PROVIDERS- INSURANCE POLICY
GENERAL CONDITIONS
Conditions of the insurance contract against Provider Bankruptcy
It is important to carefully read all the conditions prior to the purchase of this insurance and ensure that you have understood the extent of
Coverages and services. In case of doubt consult with the Insurance Broker or the Company.
SUMMARY OF COVERAGE AND MAXIMUM COMPENSATION LIMIT
Expenses for cancellation, interruption, loss and replacement of any service as well as repatriation expenses due to the
Financial bankruptcy / Insolvency / Bankruptcy of a Provider of tourist services that are part of the insured trip (excluding
Bankruptcy of the Agency with which the Insured engages the Journey) ..................................... .................................................. ........ € 3,000
SCOPE OF COVERAGE
This insurance contract will entitle the Insured, upon payment of the premium and meeting the established requirements, to the pres-
Service and collection of the indemnities described in this Policy, in relation to financial
Ra / Insolvency / Bankruptcy of Suppliers that take place after the contracting of the Trip and insurance.
DEFINITIONS APPLICABLE TO THE POLICY
Airline:
Any airline that performs flights on a regular basis with pre-established schedules. More known as Lines
Regular airships.
Airlines Special / Private / Charter:
Those that operate under special rotations or whose operation consists in the freight of airplanes, with private programming and / or exclusive offer
Goes through professional channels.
Agency:
Personal or legal person through which the Insured engages the Journey.
Borrower:
SERVISEGUR XXI, CONSULTORES, S.L., with C.I.F. B-81398414 and registered office in the C / Irún nº 7 of Madrid
Insurance broker:
The insurance broker or broker through whom this Insurance Policy has been acquired. Intermundial XXI Correduría de Seguros, S.L., with
Registered office in C / Irún nº 7 of Madrid; Inscribed in the R.M. Of Madrid, sheet M 180.298, section 8, book 0, folio 149, volume 11.482, with
C.I.F. B-81577231
Insurer:
Entity that assumes the risk defined in the Policy. CBL Insurance Europe Limited domiciled at 2nd Floor 13-17 Dawson Street
Dublin 2 Ireland, CIF: 218234, authorized and regulated by the Financial Conduct Authority registration number 203120, and accepts the risk in
Your name, with prior authorization, the Coverholder. The MGA Cover Services Limited Subscription Agency, domiciled at Farren House The
Street, Farren Court Cowfold West Sussex RH 13 8BP, CIF: 08444204 (authorized and regulated by the Financial Conduct Authority
Registration 597536), hereinafter the Subscriber.
The Insurer of this Policy is CBL Insurance Europe Limited 2nd Floor 13-17 Dawson Street Dublin 2 Ireland, which are authorized
And regulated by the Financial Conduct Authority registration number 203120.
Insured:
The natural person who holds the object of insurance and who, in default of the Policyholder, assumes the obligations and benefits derived from the contract.
Consolidators / Flight Agents:
Travel Agencies that acquire a certain number of tickets and then resell them to the general public or to other
Travels.
Coverholder:
This Insurance Policy is underwritten by the MGA Cover Services Limited Coverholder, domiciled at Farren House The Street, Farren Court
Cowfold West Sussex RH 13 8BP, CIF: 08444204 (authorized and regulated by the Financial Conduct Authority registration number 597536)
Duration of Insurance:
Period of coverage of your insurance, specified in the Particular Conditions of the Certificate of Insurance of the Policy. If the return of the
Is inevitably delayed by a claim covered by the Policy, the coverage will be extended for the entire duration of the
delay. If the duration of the Trip exceeds (or was expected to exceed) the time limit specified in the Particular Conditions /
Certificate of Insurance of the Policy, the entire duration of the Trip will be out of the coverage of the same.
Coverage starts from the time the insurance is subscribed by the Insured and ends when one of the following situations occurs:
Nes:
1. The coverage period specified in the insurance certificate expires;
2. The Insured returns to his home or ends the Trip;
3. The Insured returns before the originally scheduled end date.
Financial Bankruptcy / Insolvency / Bankruptcy:
For the purposes of this Policy, a Collateral / Bankruptcy / Financial Bankruptcy case of a supplier shall be deemed to arise when:
A) A request for liquidation of an External Provider is filed, that is, the submission of a
Creditors or similar figure in any legislation of a country of the European Union, either voluntarily or by a third party.
B) An External Provider, informally or otherwise convene a meeting of its Creditors for the purpose of considering
An agreement with such Creditors in accordance with the provisions of "Section 588 of the Companies Act 1985" (Insolvency Act 1986),
Or any equivalent legislation of countries of the European Union.
C) An embargo is imposed on any property or from the External Provider provided that such embargo does not allow him to continue his
Commercial activity or interrupted or canceled the services that were to be provided to the Insured.
D) The External Supplier issues an official communique of cessation of operations.
E) Any other creditable circumstance that leads to the presumption of the cessation of operations occurs. By way of illustration and not
Limitation, it shall be deemed that there is a presumption of cessation of operations in any of the following circumstances:
to.
B.
C.
Impossibility to make reservations
Non-provision of services to all clients
Closing of the offices where the activity was carried out
Compensation Limit:
The amount fixed in the Policy, which constitutes the maximum limit of compensation to be paid in all respects by the Insurer in
Case of loss during the term of the insurance.
Tour Operators:
Travel Agencies that organize Non-Occasionally Combined Travels and sell or offer them for sale, directly or through
A retailer.
Policy:
The contractual document containing the Insurance Regulatory Conditions. An integral part of the General Terms and Conditions
The Individuals that individualize the risk, and the supplements or appendices that are issued to complete or modify it.
Cousin:
The price of the insurance that will be different depending on the different coverage areas, and will be determined in the Particular Conditions
Of the Policy.
The receipt will also contain any surcharges and taxes that may apply.
Related Searches:
Any provider of tourism services other than those specifically mentioned in this definitions section.
Accommodation Provider:
Suppliers and intermediaries in the contracting of accommodation or hotel services.
Transportation Providers:
Final suppliers and intermediaries in the contracting of rail, maritime or road transport services.
Transfer Providers:
Final suppliers and intermediaries in the contracting of road transport, including expressly but not excluding, autoca-
Res, taxis, car rental companies, and companies specializing in connections.
External Supplier:
A Supplier of one or more components of the Travel that has been contracted by the Agency and is not on the list of suppliers excluded by
The Insurer. The Supplier must be covered by the definition of Airline, Special / Private Charter Airlines, Tour Operators,
Services, Accommodation Providers, Transfer Providers, Transportation Suppliers and / or Suppliers.
Borrower:
The individual or legal entity that with the Insurer signs this agreement, and to which the obligations derived from it correspond,
Except for those that by their nature must be fulfilled by the Insured.
Travel:
All displacement carried out outside the habitual residence of the Insured, from the departure of the Insured until his return to the same to the end
Of the displacement.
Package holidays:
Previous combination of two or more tourist services (transport, accommodation or other services not transport or accommodation accessories
That constitute a significant part of the Trip) when said service exceeds 24 hours or includes a night’s stay. It is
Shall also give combined travel for the purposes of this policy any travel which, in accordance with the legislation in force in the Euro-
Should be considered as such.
1. OBJECT OF INSURANCE
Provider Bankruptcy Insurance is a program that has been developed to protect Travelers and Agencies against expenses
Incurred as a result of the declared Insolvency of an external Supplier. The Policy covers the Agency to provide protection
Immediately to the Travelers.
2. COVERAGE
Up to the limit of € 3,000, the reimbursement of the cost of unused services, as a result of the Financial Bankruptcy,
Insolvency or Bankruptcy of any Service Provider hired by the Agency and falling within the definition of Provider
external.
This Policy will cover the Agency and the Insured, for any expenses not covered by other insurance, or when other insurance
Are sufficient to cover the compensation, provided that such loss is covered and has been validly accepted. In this case, the
Coverage will be provided by this Provider Bankruptcy Insurance in excess of amounts recoverable under any other
Insurance and up to the maximum indemnity limit of this Policy or the total expense of the Trip, whichever is less
The Insurer will reimburse up to the limit set in the insurance certificate, and taking into account the exclusions of the policy, according to
The following events:
1) Pre-departure cancellation: In case of financial bankruptcy, insolvency or bankruptcy of one of the external providers
Of the Trip and provided that it was impossible to replace the service provided by said Provider, and this would have as a consequence
Inability to start the Trip, the Insurer will reimburse the expenses in which the Insured has always incurred and
When amounts are non-refundable and the amounts have already been paid by the insured.
2) Replacement expenses for loss of Services: In case of financial bankruptcy, insolvency or bankruptcy of one of the
External suppliers, prior to the commencement of the trip or during the course of the trip, and if it is possible to replace the
Service provided by said External Provider, the Insurer shall reimburse any replacement of services provided and
When such services to be replaced had been contracted and paid prior to the Insolvency of
Provider.
In the event that one or more External Suppliers are in a situation of Financial Bankruptcy, Insolvency or Bankruptcy, the Agency
And Insureds must take all possible measures to replace services with others of an equivalent standard so that
The Insured can continue with their Travel. The cost of the replacement must be obtained with the most economical alternative possible. East
Cost may not exceed the original cost of the booked trip.
3) Repatriation: In case of Financial Bankruptcy, Insolvency or Bankruptcy of one of the external Suppliers
During the Trip, and whenever it was not possible to replace the service, this being an indispensable element of the Trip, the
Insurer will reimburse the Insurers’ travel expenses to the place of commencement of said Trip. In particular, and within the
Limit set in the particular conditions, accommodation costs or new tickets or services will be covered.
Other expenses that the client may incur in order to reach the point of origin of the Trip.
Alternative coverages included in this Policy:
Agency’s commission: The cost incurred by the Agency for the purpose of coverage will be the total included in the invoice issued by the Agency
To the Insured (s) or in the sum of the tickets / s that the Agency reimburses to the Insured (s).
Refund to the credit card: In addition, the Travel Agency will be reimbursed for expenses incurred by a
Retrocession of a payment made by credit card, due to the Financial Bankruptcy / Insolvency / Bankruptcy of any supplier,
When these expenses do not exceed the original amount of the Trip or insured amount, whichever is lower.
Exclusions from the Policy:
to)
B)
Any Travel not booked within the European Union.
Any economic loss that is recoverable under other insurance. If there is a partial recovery under
Other insurance / guarantee in force, then the Bankruptcy Insurance Suppliers will cover the difference up to the maximum limit
Of compensation.
c)The Financial Bankruptcy, Insolvency or Bankruptcy of any External Provider already in such situation
Or listed as Supplier / Airline excluded by the Insurer, before or on the same day of the reservation
From the trip.
D)The Insurer will not reimburse any loss that is not a direct result of the incident that has caused the
Unless specified otherwise in the Policy.
E)Any loss, damage, illness, death.
F)Any solution that has not been agreed with the Insurance Broker for the mitigation of possible
Tro.
G)Any legal liability that, whether directly or indirectly, produced by the judgment, fear of failure or inca-
Any computer or software, whether owned or not, that does not recognize, interpret or
Correctly the correct dates for its correct operation.
H)Coverage does not apply if an external Provider is absorbed, purchased, or forms part of a merger made by
External Supplier when such acquisition does not entail the Bankruptcy, Insolvency or Bankruptcy of the
External Supplier with whom the Agency or the Insurer has contracted the services.
I)Damages and damages that could be caused as a result of the cessation of operations of the Agency itself
Assured.
. THE PAYMENT OF THE PREMIUM
The insured statement reports and premium payment procedures must be strictly adhered to. Any failure in your
Execution, in the communication of passengers, in the fulfillment of the payment terms, etc. May result in the withdrawal or cancellation of the
Policy by the Insurer without obligation of reimbursement of premiums.
4. PROCEDURE FOR PROCEEDINGS OF DISCRIMINATION
A) Each of the claims individually, must be communicated to the Insurer or Insurance Broker within a period of
Two years from the date of the incident that, in the opinion of the Agency or Insured, could give entitlement to benefit from the coverage of the
Policy. Any notice of a claim after this period will not be accepted or processed unless the
The Insurer have not been able to obtain reliable information on the Insolvency until after the expiration of
Period.
B) Documentation required to justify a claim:
• Documentation of transportation expenses, accommodation and other services included in the Trip such as invoices, reservation confirmation
Or Exporter’s letters confirming that the Insured did not use the services and if
Such External Provider owes some return to the Insured or to the Agency.
• The documentation that allows to prove the fact that gives right to indemnification. In cases (a), (b), (c) and (d) of the contents in the
Definition of Financial Bankruptcy, Insolvency or Bankruptcy must be the one that officially certifies said assumption.
• Invoices to confirm the additional cost of the Trip (expenses incurred for accommodation and travel).
• Any other document reasonably considered by the Insurer in each case to justify or proceed with the payment of the claim
Pre that the request of said documents does not suppose the helplessness of the Insured if they are impossible to obtain.
In the event of the filing of a fraudulent claim, the Insured shall forfeit any benefit to which they are entitled under this claim.
Policy.
C) Complaint procedure:
In case of disagreement with the resolution of the handling of the incident, you should contact the Insurance Brokerage Office on the telephone
915420209 or Calle Irún nº 7 of Madrid (28008) and you will be advised on how to proceed.
In order to process your claim, you must first go to the Travel Agency to channel it to the Broker and the Broker to the Insurer. By
Please make sure that your Travel Agency sends all information about your loss to the Insurance Brokerage.
• In case of disagreement with the form of processing of the claim, you can write to the Assurance Assistance Department.
Of CBL Insurance Europe Limited, registered at 2nd Floor 13-17 Dawson Street Dublin 2, Ireland.
• The Member State responsible for control of the Underwriting Entity is Ireland and, within that State, the authority
Such control is Financial Services Ombudsman’s Bureau. The policyholder and the Insured are also entitled to direct their
Complaint or claim to;
Financial Services Ombudsman’s Bureau of Ireland
3rd Floor, Lincoln House, Lincoln Place, Dublin 2.
Ireland
Phone: +353 1 6620899
Fax: +353 1 6620890
Email: enquiries@financialombudsman.ie
All of the foregoing without prejudice to the rights that are provided by law.
5. IPT (INSURANCE PREMIUM TAX) TAXES ON INSURANCE PREMIUMS AND OTHER LEGAL EXTENSIONS
The net premium can only be increased by the taxes and surcharges that are legally applicable.
6. FRANCHISING
There is no franchise in the Provider Bankruptcy Insurance.
7. DUTY OF DECLARATION OF RISK
The Insured, as an essential condition for the subscription and full effects of this contract, guarantee that, at the beginning
Of the validity of this Insurance have carried out by themselves or through their Agency all the necessary consultations with maximum
To determine whether or not there are facts that, if known, would influence the risk covered by this insurance policy.
In addition, they declare that they have read and understand all the conditions, exclusions and limitations of the Policy.
Any fraud, misrepresentation, misrepresentation or non-disclosure of any particular, is in the Proposal in which
Based on this Policy, or in relation to any other matter affecting this Insurance, will void this Policy and, consequently,
Will lose the right to compensation.
8. APPLICABLE LAW
This Policy is issued in Spain and, based on the provisions of the English legislation regarding the freedom of the parties to the contract of
Insurance to choose the applicable law, is subject to the laws of Spain.
DATA PROTECTION
Your personal data may be incorporated into the files CLIENTS and SINISTROS owned by the Intermundial Brokerage, from
CBL Insurance Europe Limited or MGA Cover Services Limited, whose purpose is the management of contracting, commercial purposes and processing
Of claims. You may exercise your rights of access, rectification, cancellation and opposition by referring respectively to:
-
-
-
Intermundial, c / Irún, 7, 28008 Madrid or at the email address lopd@intermundial.es
CBL Insurance Europe Limited, 2nd Floor 13-17 Dawson Street Dublin 2, Ireland.
MGA Cover Services Limited, Farren House The Street, Farren Court Cowfold West Sussex RH 13 8BP.
CUSTOMER INFORMATION
Fulfilling our duty of information and protection of our clients for the mediation services we provide, we
We inform
Registry
INTERMUNDIAL XXI, S.L. Is inscribed in the Special Administrative Register of Insurance Mediators, Reinsurance Brokers
And its senior posts with registration number J-1541. This Register is public and can be consulted by sending a letter to the Directorate
General of Insurance and Pension Funds (Paseo de la Castellana, 44, 28046-Madrid), or by consulting the company’s website
Http://www.dgsfp.mineco.es/regpublicos/pui/pui.aspx
In addition, INTERMUNDIAL XXI, S.L. Has a Professional Liability Policy and Surety Insurance according to current legislation
Clause of confirmation of receipt of prior information
The Insurance / Insured Policyholder hereby expressly acknowledges having received from the Insurer, in writing and on a date and contract,
Of the insurance according to their particular conditions, the timely information on the law applicable to the insurance contract, the
Different instances of claim, the Member State of the Insurer’s domicile and its controlling authority, the company name,
Address and legal form of the Insurer.
Customer Service
To address and resolve complaints and claims, INTERMUNDIAL XXI, S.L. Has an outsourced Customer Service Department in
Inade, Instituto Atlántico del Seguro, S.L., with address in Vigo, Pontevedra province, zip code 36202, La Paz Street,
2 low. Said Service has the obligation to resolve such complaints or claims within a maximum period of two months from the date of the
presentation. If such a decision is not to the satisfaction of the Client, you may contact the Claims Service of the DGSFP,
In order to prove that he or she has made the complaint or complaint, in writing, to the INTERMUNDIAL Customer Service Department
XXI, S.L ...
Personal data protection
In accordance with the provisions of Law 15/1999 of 13 December on the Protection of Personal Data (LOPD), and the Law
26/2006, of 17 July, on Private Insurance and Reinsurance Mediation, the Client is informed that personal data
Requested by INTERMUNDIAL XXI, S.L. Will be processed and recorded in an automated file.
The collection and processing of Personal Data is intended to maintain the relationship established between INTERMUNDIAL
XXI, S.L. And its Clients: advice and information on the contracting and during the validity of insurance contracts and products
Financial assistance, assistance and advice in the event of an accident, as well as sending, by traditional and electronic means, information about
Of products and services offered by INTERMUNDIAL XXI, S.L., currently and in the future, regardless of its high
As a client of INTERMUNDIAL XXI, S.L ..
Likewise, the Client consents to the assignment of the data to the Underwriting Entities for the preparation of the projects and offers, issue
Of relevant insurance contracts and manage the benefits derived from them, including the subjective modification of the Insured-
The contract has expired.
The requested personal data must be obligatorily provided, as it is considered necessary for the maintenance and fulfillment of
Service, in case of not being supplied it will not be possible to conclude it.
In addition, the Client is informed that he can exercise at any time, in relation to his personal data provided, the
Rights of access, rectification, cancellation and opposition, for which it should be addressed to INTERMUNDIAL XXI, S.L., as responsible for the
Processing of said data, at the address indicated in the header of this document.
Objective Analysis
Our advice is provided on the basis of a sufficient number of insurance contracts offered in the market of the risks
Coverage, so that it can formulate a recommendation, according to professional criteria, regarding the insurance contract that would be
Adapted to the needs of the client. This analysis is not confined exclusively to the product, but also extends to the quality
Of the service and benefits that the insurance company, chosen or on the contrary, discarded, at the time of the conclusion of the contract
Is qualified to grant.
Bankruptcy of suppliers
List of excluded airlines
Www.intermundial.es
T. +34 91 542 02 29
Policy Number: 55-0684193
Cancellation Plus • General conditioning
General conditions
Cancellation Plus • General conditioner Policy number: 55-0684193
PROVIDER BANKRUPTCY - LIST OF EXCLUDED AIR LINES
Airlines and suppliers excluded until: 01/05/2018
No claims from the following airlines are excluded:
•
Air Zimbabwe
My air
KD AVIA (Russian
Air
Viva Macau
Cyprus Turkish Airline
Viking Airline
KINGFISHER AIRLINES
STRATEGIC AIRLINES PTY t / a AIR AUSTRALIA AIRWAYS UNDER FINANCIAL
City Airline AB
Air Nigeria
Windjet
Hellenic Imperial Airways
Flynonstop Airlines
SpiceJet
Belleair
Brindabella
On Holiday Group Limited
Celestyal Cruises
Cyprus Airways
Alitalia
Overwhelming force
General Conditioning
Www.intermundial.es
T. +34 91 542 02 29
Policy Number: 55-0684193
Cancellation Plus • General conditioning
General conditions
Cancellation Plus • General conditioner Policy number: 55-0684193
FORCE MAJEURE - INSURANCE POLICY
INTRODUCTION TO YOUR POLICY
These are the conditions of your insurance contract.
Please read this document and your certificate carefully to ensure that you understand the extent of coverage and services,
As well as what aspects it covers and which does not exactly cover the conditions of such coverages. Once you have done so, check
Meets your needs.
SUMMARY OF COVERAGE AND MAXIMUM COMPENSATION LIMIT
Expenses for cancellation prior to the date of travel due to force majeure .€ 3,000
Travel expenses to the place of origin of travel due to force majeure € 1,000
Expenses for lodging by travel extension due to force majeure (€ 100 / day) 700 €
Travel expenses due to travel expenses due to force majeure (€ 20 / day) 140 €
DEFINITIONS APPLICABLE TO THE POLICY
Policyholder:
SERVISEGUR XXI, CONSULTORES, S.L., with C.I.F. B-81398414 and registered office in the C / Irún nº 7 of Madrid
Insurer:
CBL Insurance Europe Limited 2nd Floor 13-17 Dawson Street Dublin 2 Ireland, which are authorized and regulated by the Financial Conduct
Authority registration number 203120.
Insured:
Any person who has purchased the services of a trip or the person for whom he has purchased a trip on his behalf.
Sinister:
Any event or series of events resulting from the same cause, of a fortuitous, sudden and unforeseeable nature susceptible of the guarantees
Of the policy.
Insurance broker:
The insurance broker or broker through whom this Insurance Policy has been acquired. Intermundial XXI Correduría de Seguros, S.L., with
Registered office in C / Irún nº 7 of Madrid; Inscribed in the R.M. Of Madrid, sheet M 180.298, section 8, book 0, folio 149, volume 11.482, with
C.I.F. B-81577231
Start of coverage:
This warranty applies from your contracting.
Grounds for force majeure:
War, invasion, acts of foreign enemies, hostilities or warlike operations (regardless of whether or not war is declared),
Civil strife, rebellion, coup d’etat, insurrection, revolution, usurpation of national power, industrial action, strikes, terrorism, riots and
National commotion, climatic conditions or acts of nature with catastrophic consequences: Fire, flood, earthquake, explosion,
Tsunami, volcanic eruption, landslide, avalanches, hurricanes, cyclones or storms, snow.
TERRITORIAL SCOPE
The territorial scope is Mundo.
VALIDITY
The insurance must be contracted at the same time of the contracting of the trip object of this insurance, or at most in the 7 days
Below.
MAJOR FORCE COVERAGE - PRODUCT
The Insurer will indemnify, due to causes occurring for reasons described in the definitions of force majeure, where the Insured is
Obliged to cancel the trip, interrupt or prolong it, and unless otherwise specified, up to the maximum amount indicated in its
Certificate of policy with respect to:
1) Cancellation prior to travel date - Reimbursement of unrecoverable expenses if there is a delay of more than 24 hours on departure
Of the means of transport contracted for reasons of force majeure, and there is no alternative of travel to reach the destination or there is a
Declaration by the official authorities not to travel to the destination country of the trip.
2) Accommodation and living expenses: Reimbursement of expenses incurred by extension of the trip (accommodation, meals) if the
Contracted transport is postponed, at least, the following day for reasons of force majeure.
3) Return home - Reimbursement of expenses incurred for return home if the transport contracted originally
Postponed at least the following day for reasons of force majeure or it is impossible to obtain accommodation in the same place as the
Sinister.
For the purposes of this coverage, Insureds must take into consideration that the cost of accommodation / transportation can not exceed
Of the original cost of the accommodation / transport reserved.
OBLIGATIONS IN CASE OF LOSS
1) The Insured must contact the telephone number indicated on the certificate in case of wanting to report a claim.
2) The Insured accepts the conditions proposed by the Insurer through its information service, provided by the policyholder,
Whenever reasonable, in order to start or continue their journey to the destination or until their return home.
EXCLUSIONS FROM THE POLICY
Exclusions applicable to all Insureds of the policy:
1. The benefits that have not been requested by the means stipulated in the provisions of the Article Obligations in case of loss.
2. To deliberately impair the procedure for handling claims.
3. Fraud, falsehood or other fraudulent means and false documents to justify a sinister.
4. Intentional acts, criminal or contrary to public order where the policyholder or the Insured are material authors or
Intellectuals, or accomplices.
5. Diseases or pathological conditions produced by ingestion of alcohol, psychotropic, hallucinogenic or any drug or substance
Of similar characteristics.
6. Claims derived from airline companies or ships other than regular lines.
7. All services hired directly at the destination of the trip.
8. Any loss of contracted services.
9. Transportation in military aircraft.
10. Events or circumstances that are public and notorious or known before the subscription of the insurance or the contracting of the trip. At
Event that the insured event derives from a volcanic eruption that generates a cloud of ashes, that event will be
Excluded from the coverage of this policy provided that it has occurred within 28 days prior to the insurance contract, or
The contracting of the trip, whichever occurs first.
11. Travel to destinations where the local authorities of the destination, or the country of origin, have informed the board not to travel and
This communication is prior to the contracting of the insurance.
12. Unilateral will of the Insured not to start the trip for any cause that is not described in the definitions of force majeure.
THE PAYMENT OF THE PREMIUM
The declaration reports and the premium payment procedures as communicated by your Sales Agent must be respected,
Strictly, any failure to execute may result in the withdrawal or cancellation of your policy by the insurer without obligation.
refund.
CLAIM PROCEDURE
A) You must inform the Insurer within a period of two years from the incident of your intention to request a claim.
Any notice or request for a claim after this two-year period shall NOT be accepted or processed
Unless the insurer has been informed of the delay after that period.
B) Documentation required to justify a claim:
O Documentation of travel expenses and accommodation, such as invoices, confirmation of flight reservation, billing of Cancela-
Or any other document.
O News in press or a letter from the relevant authority confirming the fact that entitles to compensation.
Or Invoices to confirm the additional cost of travel and expenses incurred for accommodation and travel.
ATTENTION: Further proof or justification documents of your claim may be requested depending on your circumstances.
Please note that, in the case of the presentation by the Insured or part of him or by someone acting in connivance with him
Of a fraudulent claim, any benefit under this policy will be forfeited.
C) Claim procedure:
O In case of a claim you should contact your travel agency.
For any clarification contact the following address: Calle Irún nº 7 de Madrid (28008)
IPT (INSURANCE PREMIUM TAX) TAXES ON INSURANCE PREMIUMS
As a commercial policy it carries a rate of 6.15% of Tax on Insurance Premiums.
SUBROGATION
Up to the amount of the sums disbursed in fulfillment of the obligations derived from this policy, the Insurer will remain
Automatically subrogated in the rights and actions that may correspond to the Insured or his heirs, as well as to others
Beneficiaries, against third parties, physical or legal, as a consequence of the incident causing the assistance rendered.
In particular, this right may be exercised by the Insurer in relation to land, river, maritime or
Air, with regard to restitution, total or partial, of the cost of tickets not used by the Insured.
GUARANTEE
The Subscriber warrants that, as a term and condition of this Policy, at the beginning of this Insurance:
1.
The Subscriber has truthfully stated all material facts, having made all necessary consultations with diligence
To determine those facts, which are likely to influence the process of determining a prudent Insurer to establish:
to.
B.
C.
2.
Assume or not take the risk
The cousin
Any condition, exclusion and limitation.
The Subscriber has no knowledge or information of any matter, fact or circumstance that as a result may result in
a lost.
TERMS
Under UK law, the Insured and the Insurer may choose the law that will apply to this contract. Unless Insured and the
Gurador have agreed otherwise, this contract will be governed by the law in force in Spain.
Any fraud, misrepresentation, misrepresentation or non-disclosure of any particular, is in the Proposal on which this
Policy, or in relation to any other matter affecting this Insurance, will void this Policy and then the right to claim it will be forfeited.
Tion.
If the premium is subject to any adjustment, the Subscriber will maintain the necessary record to allow the premium to be adjusted to
The basis specified and shall at all times allow the representatives of the Insurer to examine and verify such registration. By the end of
Each specified period and at the expiration of this policy, the Subscriber shall declare such particulars for the adjustment of the premium to the Insured-
And will pay any additional premium due.
CUSTOMER INFORMATION
Fulfilling our duty of information and protection of our clients for the mediation services we provide, we
We inform
Registry
INTERMUNDIAL XXI, S.L. Is inscribed in the Special Administrative Register of Insurance Mediators, Reinsurance Brokers
And its senior posts with registration number J-1541. This Register is public and can be consulted by sending a letter to the Directorate
General of Insurance and Pension Funds (Paseo de la Castellana, 44, 28046-Madrid), or by consulting the company’s website
Http://www.dgsfp.mineco.es/regpublicos/pui/pui.aspx
In addition, INTERMUNDIAL XXI, S.L. Has a Professional Liability Policy and Surety Insurance according to current legislation
Clause of confirmation of receipt of prior information
The Insurance / Insured Policyholder hereby expressly acknowledges having received from the Insurer, in writing and on a date and contract,
Of the insurance according to their particular conditions, the timely information on the law applicable to the insurance contract, the
Different instances of claim, the Member State of the Insurer’s domicile and its controlling authority, the company name,
Address and legal form of the Insurer.
Customer Service
To address and resolve complaints and claims, INTERMUNDIAL XXI, S.L. Has an outsourced Customer Service Department in
Inade, Instituto Atlántico del Seguro, S.L., with address in Vigo, Pontevedra province, zip code 36202, La Paz Street,
2 low. Said Service has the obligation to resolve such complaints or claims within a maximum period of two months from the date of the
presentation. If such a decision is not to the satisfaction of the Client, you may contact the Claims Service of the DGSFP,
In order to prove that he or she has made the complaint or complaint, in writing, to the INTERMUNDIAL Customer Service Department
XXI, S.L .
Personal data protection
In accordance with the provisions of Law 15/1999 of 13 December on the Protection of Personal Data (LOPD), and the Law
26/2006, of 17 July, on Private Insurance and Reinsurance Mediation, the Client is informed that personal data
Requested by INTERMUNDIAL XXI, S.L. Will be processed and recorded in an automated file.
The collection and processing of Personal Data is intended to maintain the relationship established between INTERMUNDIAL
XXI, S.L. And its Clients: advice and information on the contracting and during the validity of insurance contracts and products
Financial assistance, assistance and advice in the event of an accident, as well as sending, by traditional and electronic means, information about
Of products and services offered by INTERMUNDIAL XXI, S.L., currently and in the future, regardless of its high
As a client of INTERMUNDIAL XXI, S.L ..
Likewise, the Client consents to the assignment of the data to the Underwriting Entities for the preparation of the projects and offers, issue
Of relevant insurance contracts and manage the benefits derived from them, including the subjective modification of the Insured-
The contract has expired.
The requested personal data must be obligatorily provided, as it is considered necessary for the maintenance and fulfillment of
Service, in case of not being supplied it will not be possible to conclude it.
In addition, the Client is informed that he can exercise at any time, in relation to his personal data provided, the
Rights of access, rectification, cancellation and opposition, for which it should be addressed to INTERMUNDIAL XXI, S.L., as responsible for the
Processing of said data, at the address indicated in the header of this document.
Objective Analysis
Our advice is provided on the basis of a sufficient number of insurance contracts offered in the market of the risks covered, so that it can make a recommendation, according to professional criteria, regarding the insurance contract that would be appropriate to the needs of the client. This analysis is not limited exclusively to the product, being also extendable to the quality of the service and benefits that the insurer, chosen or on the contrary, discarded, at the time of the conclusion of the contract is qualified to grant.
INSTRUCTIONS TO BE FOLLOWED IN CASE OF LOSS
When circumstances occur that are covered by the insurance, notify the permanent telephone number of the 24-hour Assistance center.
From Spain 902 361 994
From abroad +34 91 581 18 23
The calls can be made to collect
The insured must call the Insurance Company, indicating:
-Your name
-Your policy number stated on the certificate and provided by the Agency
- Place and telephone number of the place where you are
- Description of the problem you have raised.
It is imperative to call by communicating the loss to be entitled to receive the benefits of the policy
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