Insurance policy booklet · Information document on exercising the right of cancellation provided...

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Insurance policy

booklet

No. 78 912 712

→ Repatriation

Assistance

→ Civil Liability

SNOWLEADER

→ Interruption of

sporting

activity

→ Destruction

or Loss of

sports

equipment

→ Individual

accident

Limit of cover table

Cover Amounts

CIVIL LIABILITY Bodily Injury Property damage

€4,600,000 per event €80,000 per event

Repatriation Assistance Medical expenses

Medical Repatriation Assistance (for the

Subscriber or his/her family or accompanying person, for medical or accidental reasons)

Replacement driver Extended hotel stay

Search & rescue or first aid costs (including

helicopter, first aid on slopes, etc.) Legal defence and recourse Assistance in the event of death:

- Transportation of the body - Coffin and urn costs

Presence in the event of hospitalisation

€500 per person in France €10,000 per person abroad

No limit of liability Ticket Hotel expenses of €80 per person and per day, for a maximum of 10 days

€10,000 per person €3,000 per claim

Actual expenses €1,000 per claim Ticket

Interruption of sporting activity Cost of interruption of a paid-for sporting

activity (lessons, ski lift passes, lesson bookings, etc.) for medical or accidental reasons

€300 per person

Destruction or loss of sports equipment SNOWLEADER equipment insurance

(equipment replaced if destroyed or lost further to an accident)

€3,000 per person

Individual accident Relative excess

€7,500 per person, full per event €15,000 15 %

No cover on any account for stays longer than 90 consecutive days.

→General Provisions

Like any insurance contract, this one comprises mutual rights and obligations. It

is governed by the French Insurance Code (Code des Assurance français).

These rights and obligations are set forth in the following pages.

Appendix to article A. 112-1 Information document on exercising the right of cancellation provided for in Article L. 112-10 of the French Insurance Code

Please check that you do not already have cover insurance for any of the

risks covered by the new contract. If such is the case you are entitled to

cancel this contract within fourteen calendar days of it being signed. No

charge or penalty is payable if all the following conditions have been met:

you took out this contract for non-occupational reasons; this contract is supplementary to purchase of a product or of a

service sold by a supplier; you produce evidence that you are already covered for one of the

losses covered by this new contract; the contract you wish to cancel has not been fully executed; you have not declared/claimed for any loss covered by the

contract.

In which case, you may exercise your right to cancel this contract by

letter or by any other durable medium sent to the insurer of the new

contract, accompanied by supporting documents that you already have

cover for one of the risks covered by the new contract. The insurer

must reimburse you the premium paid within thirty days of cancellation.

If you wish to cancel your contract but do not meet all the above

conditions, please check the cancellation procedure stipulated in your

contract.

Additional information:

The cancellation letter, a model of which is given below, used to exercise

this right must be sent by letter or any other durable medium to Axelliance

Conseil - Immeuble les Topazes – 92, cours Vitton - 69456 Lyon Cedex

06:

“I the undersigned Mr/Ms………….residing at (address) …………..hereby

cancel my contract No.……….taken out with Allianz IARD pursuant to

Article L 112-10 of the French Insurance Code. I solemnly declare that on

the date of this letter I am not aware of any claim covered by the contract.

”

Consequences of cancellation:

Exercising your right to cancel within the period stated in the above box

will result in the contract being cancelled as of the date of receipt of the

letter or any other durable medium. You are no longer entitled to exercise

this cancellation right if you are aware of any loss that may bring the

contract cover into application.

In the event of cancellation, you will only be liable for payment of the part

of the premium or contribution for the period during which the risk was

covered, the said period ending on the cancellation date.

The entire premium or contribution will, however, be payable to the

insurance company if you exercise your cancellation right and a claimable

loss event occurs unbeknown to you during the cancellation period.

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Definitions

Uncertain event

or uncertainty

Common provisions to all cover packages

An unintentional, unforeseeable, unstoppable, and external event.

Subscribers

Persons duly insured under this contract, hereafter referred to as "you".

With regard to the applicability of legal provisions concerning the period of

limitation, one should refer to the “Subscriber” when the articles of the

French Insurance Code mention “Insured person” or “Insured party”.

Insurer/Assistance Provider

Allianz IARD, hereinafter referred to as “we” or “us”, whose registered office is located at:

Allianz IARD

1, cours Michelet

CS 30051

92076 Paris La Défense Cedex

Terror Attack / Acts of Terrorism

This means any act of violence constituting a criminal or illegal attack

against people and/or property in the country in which you are staying,

committed with the aim of seriously disturbing public order.

Such a “terror attack” should be identified as such by the French Foreign

Ministry.

Baggage: insured items

Baggage and its contents, including personal belongings and valuables,

belonging to the Subscriber, taken for the trip and/or acquired during the

trip.

Natural disasters

This means abnormal intensity of a natural element not arising from

human intervention.

Insurance Code

The French Insurance Code (Code des Assurances) is the collection of

legislative and regulatory texts that govern the insurance contract.

Forfeiture

Loss of right to Cover for the Loss/Claim in question.

Home or Domicile

The term “home” or “domicile” means your place of main and usual

residence.

DROM POM COM

“DROM POM COM territories” are what the DOM TOM territories (French

overseas possessions) are now called, since the Constitutional Reform of

17 March 2003 that changed the names and definitions of the DOM TOM

territories.

Transport Firm

The term "transport firm" means any company duly approved by the public

authorities for carrying passengers.

Epidemic

The rapid propagation of a contagious and infectious disease affecting a

large number of people in a given place at a given time and reaching a

minimum level 5 according to WHO criteria.

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Europe

“Europe” means the countries in the European Union, Switzerland, Norway, or the Principality of Monaco.

Medical expenses

Pharmaceutical, surgical, consultation, and hospitalisation expenses that

are medically prescribed and necessary for diagnosing and treating an

illness.

France

“France” means the European territory of France (including the islands in

the Atlantic Ocean, the English Channel and the Mediterranean Sea), as

well as the DROM POM COM (as the “DOM TOM” - the French overseas

territories and possessions - have been renamed since the constitutional

reform of 17 March 2003).

Excess

Portion of the indemnity payable by you.

Insurance Claims Manager

TSA 20296

94368 Bry-sur-Marne Cedex

FRANCE

Assistance Claims Manager

Mutuaide

8-14 avenue des Frères Lumière


FRANCE

Strike

Concerted collective action consisting in the employees of a firm, an

economic sector or occupational category stopping work in order to give

weight to their demands.

Civil War

By “Civil War” is meant armed opposition between various parties

belonging to the same country, and any armed rebellion, revolution, revolt,

insurrection, or coup d'etat, and any application of martial law or border

closure ordered by the authorities of the country in question.

War with a Foreign Power

A "war with a foreign power" means declared or undeclared armed opposition between one State and another State, as well as any invasion or state of siege.

Hospitalisation

Stay of more than 48 consecutive hours in a public or private hospital or

clinic, for an emergency operation, i.e. for an unscheduled operation that

cannot be delayed.

Illness/Accident

A degradation in health established by a medical authority, requiring

medical treatment, and absolute interruption of any occupational or other

activity.

Member of the family

“Family member” means any person who can evidence they have a de

jure or de facto family tie (kinship) with the Subscriber.

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Personal belongings

camera, camcorder, PDA, portable games console, multimedia players,

laptop computer. Only personal objects whose purchase date is within

the last 3 years.

Precious objects

Jewellery, watches, furs.

Pollution

Environmental pollution by release into the air, water, or soil of substances

not naturally present in the medium in question.

(Claimable) Loss or Loss Event or Claim

Event liable to result in application of cover of the contract.

Policyholder

The natural or juristic person who takes out the insurance contract.

Subrogation

The legal situation whereby the rights of one person are transferred to

another person (in particular: the Insurer taking the place of the

Policyholder in order to bring proceedings against the opposing party).

Family Rate (4 people minimum, 9 people maximum)

The family rate is applicable to parents or common-law spouses

accompanied by at least one dependent child. In the parents' stead, the

cover is granted to grandparents accompanying their grandchildren. The

Family rate also applies to groups of friends travelling on the same date.

Third Party

Any person other than the Subscriber who is liable for the damage, injury or loss.

Any Subscriber who is a victim of bodily injury, property damage or

consequential loss caused by another Subscriber (the Subscribers are

considered to be third parties between themselves).

We

The insurer, Allianz IARD.

You

The subscriber.

WHAT IS THE GEOGRAPHICAL SCOPE OF THE CONTRACT? The cover and/or services subscribed for under this contract apply

throughout the entire world.

WHAT PERIOD DOES THE CONTRACT COVER?

The contract is valid for the same period of validity as the loyalty card. No

cover on any account for stays longer than 90 consecutive days. The guarantees take effect on the scheduled day of departure and expire

on the scheduled day of return.

WHAT ARE THE GENERAL EXCLUSIONS APPLICABLE TO ALL OUR COVER PACKAGES We cannot intervene when your claims for cover or services are

consequential to damage, injury, or loss resulting from :

epidemics, natural disasters, and pollution; civil war or war with a foreign power, a riot or civil unrest, or a

strike; intentional participation of an insured person in riots or strikes; disintegration of atomic nuclei or any irradiation coming from

ionising radiation ; alcohol abuse, drunkenness, and use of drugs, narcotics, or

medicines that are not medically prescribed;

any intentional act that might lead to application of the cover of the contract, and any consequences of criminal proceedings that might be taken against you;

duels, bets, crimes, and brawls (except in cases of legitimate defence);

doing the following sports: bobsleigh, skeleton, competitive sledging, air sports except for parascending, and sports resulting from taking part in or training for official matches or competitions organised by a sports federation/association.

suicides and the consequences of attempted suicide; absence of uncertainty; insured goods and/or activities when the Insurer is prohibited

from providing an insurance contract or service due to a sanction, restriction or prohibition provided for by agreements, laws or regulations, including any decided by the United Nations Security Council, the Council of the European Union or by any other applicable national law;

insured goods and/or activities when they are subject to any sanction, restriction, partial or total embargo or prohibition provided for by agreements, laws or regulations, including any decided by the United Nations Security Council, the Council of the European Union or by any other applicable national law. It is understood that this provision only applies if the insurance contract, the insured goods and/or activities fall within the scope of the restrictive sanctions, total or partial embargo or prohibition.

HOW IS YOUR INDEMNITY CALCULATED? If the indemnity cannot be determined by private agreement, it is assessed

through a jointly-agreed damage assessment, subject to our respective

rights.

Each of us chooses a claims adjuster. If the claims adjusters cannot agree,

they refer the matter to a third claims adjuster, and all three of them

operate jointly and by majority vote.

Should one of us fail to appoint a claims adjuster or should the two claims

adjusters fail to agree on the choice of a third claims adjuster, the

appointment is made by the Presiding Judge of the Regional Court

(Tribunal de Grande Instance), ruling in summary proceedings. Each of the

contracting parties bears the cost of the fees of its appraiser, and, where

applicable, half the fees of the third appraiser.

WITHIN WHAT TIME LIMIT WILL YOU RECEIVE THE INDEMNITY? Payment will be made within 15 days of the agreement reached between

us, or as of the notification of the enforceable court decision.

WHAT PENALTIES APPLY IF YOU WILFULLY MAKE A FALSE STATEMENT AT THE TIME OF THE LOSS EVENT?

Any fraud, reticence, or intentional false statement you make about the

circumstances or the consequences of a loss event will disqualify your

entitlement to any benefit or indemnity for that loss.

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OVERLAPPING INSURANCE POLICIES Pursuant to the provisions of Article L 121-4 of the French Insurance Code

(Code des Assurances), when more than one insurance policy is taken out

non-fraudulently for the same risk, each of them produces its effects within

the limits of the cover packages of the contract, and in accordance with the

provisions of Article L 121-1 of the French Insurance Code. In such a case,

the Subscriber should inform all of the insurers.

Within these limits, the Subscriber may use the insurer of its choice. When

more than one insurance policy is taken out wilfully or fraudulently, the

sanctions stipulated in the French Insurance Code apply (voidance of the

contract and damages).

WHAT ARE THE ARRANGEMENTS FOR EXAMINING CLAIMS? Should you encounter difficulties, you should firstly consult your usual

contact at: Axelliance Business Services - Immeuble les Topazes – 92,

cours Vitton - 69456 Lyon Cedex 06.

If you are not satisfied with the answer you are given, you should e-mail

[email protected] or write to Allianz Relation Clients - Case Courrier

S1803 - 1 cours Michelet - CS 30051 - 92076 Paris La Défense CEDEX.

What should you do if you are still not satisfied with the response you

have received once you have exhausted all the internal channels listed

above? You can appeal to the Insurance Mediator whose contact details

are as follows: http://www.mediation-assurance.org or LMA 50110 -

75441 Paris Cedex 09.

Taking this action will not prejudice any other legal avenues you may wish

to explore.

AUTHORITY IN CHARGE OF OVERSEEING THE INSURANCE COMPANY

L’Autorité de contrôle prudentiel et de résolution (ACPR) [the Prudential Oversight and Resolution Authority]

61, rue Taitbout

75436 PARIS CEDEX 09

SUBSCRIBER INFORMATION CONCERNING THE PROVISIONS OF THE COMMISSION NATIONALE DE L’INFORMATIQUE ET DES LIBERTES-CNIL (the French Data Protection Commission) You are hereby informed that the information we gather is processed for the

purposes of handling this application and the commercial relationship. Some

such processing may be performed by service providers in or outside

Europe. Unless you object, your data may also be used by your broker,

whose contact details appear in this document, for prospecting purposes for

the insurance products that your broker distributes. Pursuant to the French

data protection law (“loi informatique et libertés”) of 6 January 1978, as

amended by the law of 6 August 2004, you are entitled to access, amend,

rectify, delete, and object to the data concerning you by sending a written

request to your broker.

Under our risk control and anti-fraud policy, we reserve the right to check

all your information, and where appropriate, to refer the matter to the

competent authorities in accordance with current regulations.

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mailto:[email protected]

http://www.mediation-assurance.org/

CONSUMERS' RIGHT TO OBJECT TO TELEPHONE MARKETING

If you do not wish to be contacted for the purposes of telephone

marketing, you can have yourself added to a telephone marketing opt-out

list, free of charge.

These provisions apply to any consumer, i.e. any natural person acting for

purposes unrelated to their commercial, industrial, craft or self-employed

activities.

SUBROGATION Pursuant to the provisions of Article 121-12 of the French Insurance Code,

the Insurer is subrogated, up to the amount of compensation it pays out, to

the rights and actions of the Subscriber with respect to third parties liable

for the loss.

If the subrogation can no longer be operative in favour of the Insurer through

the fault of the Subscriber, the Insurer shall be discharged from its

obligations with regard to the Subscriber insofar as the subrogation could

have been exercised.

LIMITATION PERIOD APPLYING TO ACTIONS DERIVING FROM THE INSURANCE CONTRACT The provisions governing the period of limitation for bringing action

deriving from the insurance contract are laid down by Articles L 114-1 to L

114-3 of the French Insurance Code , as quoted below:

Article L 114-1 of the French Insurance Code:

Any action deriving from an insurance contract is barred by limitation two

years after the event giving rise to the claim.

However, this period of limitation applies:

1 In the event of reticence/concealment, omission, misrepresentation or

inaccurate declaration of the risk incurred, only from the date on which

the Insurer became aware of the said risk;

2 In the event of a claim, only from the date on which the interested parties

became aware of it, if they prove they were unaware of it prior to that

date.

When the action brought by the Insured Person against the Insurer is

caused by third-party recourse, the period of limitation starts only from the

date on which the third party takes legal action against the Insured Person

or has received compensation from the Insured Person. The period of

limitation is extended to 10 years in life assurance contracts when the

beneficiary is a person other than the Subscriber, and, in insurance

contracts for personal accidents, when the beneficiaries are the

successors in title of the deceased Insured Person.

For life assurance contracts, and notwithstanding the provisions of point 2

above, the beneficiary's right to bring action lapses at the latest 30 years

after the death of the Insured Person.


The period of limitation may be interrupted by any of the ordinary causes for

interruption thereof, and by appointment of claims adjusters further to a loss

event. The period of limitation may also be interrupted by the Insurer sending

the Insured Person a registered letter with acknowledgement of receipt

demanding payment of the premium, or by the Insured Person sending one

to the Insurer demanding payment of compensation.


Notwithstanding Article 2254 of the French Civil Code, the parties to the

insurance contract may not, even by common consent, either change the

length of the period of limitation or add causes for suspension or

interruption thereof.

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Additional information:

The ordinary causes for interruption of the period of limitation referred to

in Article L 114-2 of the French Insurance Code are stated in Articles

2240 to 2246 of the French Civil Code, as quoted below.

To consult any updates to the aforementioned provisions, please visit the

official website at www.legifrance.gouv.fr.

Article 2240 of the French Civil Code:

Recognition by the obligee of the right of the person against whom the obligee

could claim inaction within the time limit interrupts the period of limitation.


Instigating legal proceedings, even summary proceedings, interrupts the

limitation period (délai de prescription), i.e. the time limit for bringing claims

or actions in a particular matter, and also any period (délai de forclusion)

beyond which a particular right is forfeited if it is not exercised, e.g. the right

to appeal.

The same applies when the matter is brought before an incompetent

jurisdiction, or when the court referral procedure is cancelled on a

technicality.


Interruption resulting from instigating legal proceedings is effective until the

proceedings end.


The interruption is null and void if the petitioner withdraws the petition or

lets the proceedings lapse, or if the petition is definitively dismissed.


The period of limitation or the debarment period is also interrupted by

protective measures being taken pursuant to the Code des procédures

civiles d'exécution (French Code of Civil Enforcement Procedures), or by an

enforcement being ordered.


One of the jointly and severally liable obligors being summoned to appear

in court by a writ or enforcement order, or recognition by the obligor of the

right of the person against whom the obligor could claim inaction,

interrupts the period of limitation against all the others, even against their

heirs.

Conversely, if one of the heirs of a jointly and severally liable obligor is

summoned to appear in court or recognized, this does not interrupt the

period of limitation with regard to the other co-heirs, even for mortgaged

debt, if the obligation is divisible. Such summons or recognition interrupts

the period of limitation with regard to the other co-obligors only for the

share for which that heir is liable. In order to interrupt the period of

limitation for the entire obligation with regard to the other co-obligees, the

summons must be served to all the heirs of the deceased obligee, or all

the heirs must recognize this right.


Summons served to the main obligee, or the main obligee recognizing the

right in question, interrupts the period of limitation for bringing action against

the guarantor.

COURTS OF COMPETENT JURISDICTION – GOVERNING LAW The pre-contractual and contractual relations are governed by French law

and primarily by the French Insurance Code.

Any legal action relating to this contract shall be brought before French

courts which have exclusive jurisdiction. However, if you are domiciled in

the Principality of Monaco, the Monaco Courts shall have sole jurisdiction

for disputes you and us.

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http://www.legifrance.gouv.fr/

SANCTIONS IN THE EVENT OF FALSE DECLARATION Any intentional false statement, omission or inaccurate statement of the

circumstances of the risk incurs penalties provided for by the French

Insurance Code:

nullity of your contract in the event of intentional false statement (article

113-8 of the Insurance Code); if it cannot be established that the false statement - made prior to a

loss event - is intentional, the contribution (premium) is increased or the contract is cancelled (article L 113-9 of the Insurance Code);

If it cannot be established that the false statement - made after a loss

event - is intentional, your amount of compensation is reduced by the

difference between the sum actually paid and the sum that would have

been paid had the statement been true (article L 113-9 of the Insurance

Code).

LANGUAGE USED The French language shall be used in all pre-contractual and contractual

relations.

ANTI-MONEY-LAUNDERING The controls we are legally required to carry out in respect of anti-money

laundering and the financing of terrorism, inter alia regarding cross-border

capital transfers, may require us at any time to ask you for explanations or

supporting documents, even in connection with the purchase of the insured

goods. Pursuant to the French Data Protection Law (Loi Informatique et

Libertés) of 6 January 1978 as amended by the French Law of 6 August

2004, and pursuant to the French Monetary and Financial Code (Code

Monétaire et Financier), you are entitled to access your personal data by

sending a letter to the French Data Protection Commission (Commission

Nationale de l’Informatique et des Libertés (CNIL)).

WHAT LIMITATIONS APPLY IN CASES OF FORCE MAJEURE? We cannot be held liable for not providing insurance in cases of force

majeure or further to the following events: civil war or war with a

foreign power, well-known political instability, civil unrest, riots, acts of

terrorism, reprisals, restriction on free movement of people and of

goods, strikes, explosions, natural disasters, and disintegration of

atomic nuclei; nor for delays in performing services or benefits when

such delays result from the same causes.

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→Civil Liability

Effective date Cover expires The date of purchase of the card The date of expiry of the card (1 year

renewable)


WHAT DO WE COVER? We cover the financial consequences of the civil liability you might incur,

firstly for bodily injury and/or property damage, and secondly for losses

consequential to such property damage or bodily injury, caused

accidentally to any person other than a Subscriber or member of your

family, through your own doing or the doing of people, property or animals

in your custody, up to the amount less any excess stated in the limit of

cover table.

WHAT WE EXCLUDE In addition to the exclusions listed in the section “WHAT ARE THE

GENERAL EXCLUSIONS APPLICABLE TO ALL OF OUR COVER

PACKAGES?”, our cover excludes:

damage, injury, or loss that you have wilfully caused;

damage, injury, or loss resulting from the use of motor vehicles, or of sail and motor boats, and of aircraft;

damage, injury, or loss resulting from any occupational activity;

the consequences of any property damage and/or bodily injury

affecting you personally and the members of your family or any

other person having the capacity of Subscriber hereto; consequential losses except when they are directly consequential to

covered accidental property damage and/or bodily injury; damage, injury or loss resulting from doing air sports or

hunting/shooting.

WHAT ARE OUR LIMITS OF COVER?

Settlement - admission of liability

You should not admit any liability, or any settlement without our

prior written approval.

However, mere acknowledgement of the materiality of certain events is not

deemed an admission of liability, neither is the mere fact of having procured

urgent first aid for a victim, when such an act is an act of assistance that any

person is morally bound to accomplish.

You must inform us within 5 business days, barring a case of force

majeure or absolute necessity, of any event that might incur your civil

liability; beyond this deadline and if, as a result, we suffer a loss, you

run the risk of forfeiting your cover.

Proceedings

In the event that legal action is brought against you, we handle your

defence and the trial for the facts/offences and damage, injury or loss

covered by this present contract.

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However, you may be party to our action if you can justify that you have an interest in it that is not covered by this contract. The mere fact that we can handle your defence by way of a protective measure shall not be construed per se as an acknowledgement that our cover applies, and in no way implies that we agree to bear the costs of harmful consequences of events not expressly covered by this contract.

Even if you default on your post-claim obligations, we are bound to pay

compensation to the people with respect to whom you are liable.

Nevertheless, in such a case, we reserve the right to bring action

against you to obtain reimbursement of any sums we may have paid or

set aside in your stead.

Recourse

As regards channels for recourse:

before civil, commercial, or administrative jurisdictions, we are free to

exercise recourse within the ambit of the cover of the present contract;

before criminal jurisdictions, recourse may be exercised only with your

consent;

if the dispute before a criminal jurisdiction no longer concerns anything

other than civil interests, your refusal to consent to remedy at law

entitles us to demand payment from you of an amount of compensation

commensurate with our resulting loss.

Lawsuit costs

We bear the lawsuit costs, discharge costs and other settlement costs.

However, if you are ordered to pay more than the amount of the

cover, each of us shall bear those costs in proportion to our

respective share of the amount ordered by the court.

Send your claim notification to:

TSA 20296


FRANCE

or

[email protected]

→Repatriation Assistance

Effective date Cover expires

The date of purchase of the card The date of expiry of the card (1 year renewable)


If you find yourself in any of the aforementioned situations, and pursuant

to the General and Supplementary Provisions of your contract, we provide

the described services on receiving a telephone call (reverse charge call

accepted from abroad), e-mail, fax or telegram.

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In any event, the decision to provide assistance and the choice of the

appropriate means falls exclusively to our doctor, after that doctor has

contacted the local doctor, and, possibly, the family of the beneficiary. Only

the medical interest of the beneficiary and compliance with the applicable

health regulations are taken into consideration when making the decision

to transport, choosing the means of such transportation, and choosing the

place of any hospitalization.

Under no circumstances do we act in place of the local emergency

services.

WHAT DO WE COVER?

Repatriation or medical transport

If you fall ill or are injured and your state of health requires you to be

transferred, we organize and bear the cost of repatriating you to your

home or to the hospital closest to your home that is best suited to your

state of health.

Depending on the seriousness of the case, the repatriation or the transport

takes place under medical supervision, if necessary, by the most

appropriate of the following means:

special medical aircraft;

regular airliner, train, sleeper train, boat, ambulance.

Accompaniment during the repatriation or medical transport

If you are transported under the above conditions, we organize and bear

the additional costs of transporting members of your family who are

insured or a person who is insured under this contract and who is/are

accompanying you, if the tickets purchased for their return trip cannot be

used due to you being repatriated.

Presence in the event of hospitalization

If you are hospitalized and your state of health prevents you from being

repatriated for 7 days, we organize and bear the costs of transporting a

member of your family or a designated person who was not travelling with

you and is in your country of residence in order for them to visit you.

Extended hotel stay

If your state of health does not justify hospitalization or medical transport,

and if you cannot make the homeward journey on the initially scheduled

date, we bear your additional hotel stay costs and those of the members of

your family who are insured or of a person who is insured under this contract

and who is/are accompanying you, up to the amount stated in the schedule

of cover.

As soon as your state of health permits, we organise and bear the

additional costs of transporting you and, where applicable, the members of

your family who are insured parties or a person who is an insured person

and who has/have remained with you, if the tickets purchased for your and

their return cannot be used due to that event.

Supplementary reimbursement of medical, surgical, pharmaceutical, and

hospitalization expenses abroad and in France

After reimbursement by Social Security or by any other welfare or health

insurance body, we reimburse the expenses that remain to be borne by

you up to the amount indicated in the table of sums insured.

In the event that Social Security does not reimburse any part of those

expenses, we cover you from the first euro up to the amount indicated in

the table of sums insured.

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We also, under the same conditions, bear the costs of minor dental

treatment up to the amount stated in the schedule of cover.

An excess indicated in the schedule of cover is deducted per event and

per subscriber (except for dental treatment).

Payment of search & rescue or first aid expenses (even in the mountains: helicopter costs, first aid on ski runs)

We bear the costs of sea or mountain search and rescue following an

event endangering your life, up to the amount stated in the limit of cover

table.

Only the expenses invoiced by a company duly approved for such

activities may be reimbursed.

You need legal aid abroad on in France

Payment of fees

Up to the amount stated in the schedule of cover, we bear the cost of the

fees of legal representatives whose services you use, if proceedings are

being taken against you for unintentionally breaching the legislation of the

foreign country in which you find yourself.

Replacement driver

If your state of health prevents you from driving your vehicle home, we

provide a replacement driver for a maximum of 3 days to drive your

vehicle home by the most direct route (you bear the cost of fuel, toll

charges, parking and meals).

Transportation of the body in the event of death

We organize and bear the cost of transporting the body from the place

where it is placed in the coffin, in Metropolitan France or abroad, to the

place of burial in Europe.

We also bear the costs of the ancillary expenses necessary for the

transport, including the cost of the coffin, and enabling the transport to

take place, up to the amount indicated in the table of sums insured.

The costs of the ceremony, ancillaries, burial, or cremation in Europe are

payable by the families.

WHAT ARE THE EXCLUSIONS SPECIFIC TO PERSONAL ASSISTANCE? Under no circumstances may we act in place of the local emergency

services.

In addition to the exclusions appearing in the section “WHAT ARE

THE GENERAL EXCLUSIONS APPLICABLE TO ALL OF OUR

COVER PACKAGES?”, we do not cover:

• convalescence and ailments (illness or accidents) that are being

treated and that are not consolidated on the date of travel;

• pre-existing illnesses diagnosed and/or treated and that have

required hospitalization within the six months prior to the

request for assistance;

• trips for diagnosis and/or treatment purposes;

• pregnancies except when unforeseeable complications occur,

and in any event pregnancies as from the 32nd week of

pregnancy;

• conditions resulting from absorption of alcohol, use drugs,

narcotics and similar products not medically prescribed;

• the consequences of attempted suicide;

13

• for the cover for medical, surgical, pharmaceutical, and

hospitalization expenses abroad:

– costs further to an accident or medically corroborated illness

before the cover takes effect, unless an established and

unforeseeable complication occurs,

– the costs of treating a medically corroborated pathological,

physiological, or physical condition before the cover takes

effect, unless an established and unforeseeable complication

occurs,

– the costs of internal, optical, dental, hearing, functional,

aesthetic or other prostheses or aids,

– spa and rest home expenses, and physiotherapy expenses,

– expenses incurred without our prior approval;

– the consequences of knowingly breaching the regulations of

the countries visited, or of engaging in activities prohibited

by the authorities of those countries.

WHAT ARE YOUR OBLIGATIONS IN THE EVENT OF A CLAIMABLE LOSS? For any request for assistance, you should contact us, 24 hours a day and seven days a week:

• By telephone

from France: or 33 1 55 98 57 49

from abroad: +33 (0)1 55 98 57 49

preceded by the local international call prefix

• By Fax

from France: 01 45 16 63 92 or 01 45 16 63 94

from abroad: +33 (0)1 45 16 63 92 or +33 (0)1 45 16 63

94 preceded by the local international call prefix

• By e-mail: [email protected] or [email protected]

and obtain our prior approval for any expenses, including medical

expenses.

For any request for a refund, send us the duly filled-in claim form along

with the documents supporting your refund claim.

When we have organized your transport or your repatriation, you should

hand over to us the initial tickets, since those tickets then become our

property.

14




→Cost of interruption




WHAT DO WE COVER? Following your repatriation organized by us or by any other assistance

company or further to an accident occurring during your stay (you and your

insured accompanying persons) preventing you from engaging in sporting

activities, we will refund you and the members of your family or anyone

insured under this contract who is accompanying you, for lessons or ski lift

passes already paid for and not used on a time-apportioned basis, from the

night after the event entailing your repatriation.

WHAT WE EXCLUDE In addition to the exclusions provided for in the General

Provisions, interruptions consequential to the following are not

covered:

• cosmetic treatment, cure, voluntary termination of pregnancy, in

vitro fertilization and its consequences;

• a depressive, mental, or psychological illness without

hospitalization or hospitalization for less than 3 days;

• epidemics.

WHAT ARE YOUR OBLIGATIONS IN THE EVENT OF A CLAIMABLE LOSS? You must send the Insurer all the documents needed to complete the claim and thereby evidence the validity and amount of the claim.

In any event, you will always be asked to provide the original copy of the

organizer's itemized invoices showing the land-based and transport

services.

If the medical details necessary for the claim to be examined are not

disclosed to our medical examiner, the claim cannot be processed and

settled.


TSA 20296


FRANCE

or [email protected]

15



→Destruction or loss of sports

equipment




WHAT DO WE COVER? • In the event of accidental property damage (further to an accident) to

the insured sports equipment: payment for repairs to or replacement of

the said insured equipment if it is not repairable or economically

irreparable, up to the amount stated in the limit of cover table.

• In the event of loss (further to an accident) of the insured sports

equipment: payment for replacement of the said insured equipment, up

to the amount stated in the limit of cover table.

The cover is limited to one claim per item of insured sports equipment and

per period of insurance.

WHAT ARE THE LIMITATIONS ON OUR COVER? If you are using a private car, the risk of theft is covered, provided the

baggage and personal belongings are kept in the boot of the locked vehicle

and are out of sight. Only burglary is covered.

If the vehicle is parked on a public street or road, the cover applies only

from 7 a.m. to 10 p.m.



PACKAGES?”, we cannot intervene under the following

circumstances:

• theft of baggage, personal effects and belongings left

unsupervised in a public place or stored in an area made

available for shared use by various people;

• theft of any instrument for reproducing sound and/or image and

the accessories of such instruments when they are not placed in

a locked safe, and while they are not being carried, which

implies de facto that such instruments are not covered while

they are entrusted to any transport company whatsoever (air,

sea, rail, road, etc.);

• leaving an item behind, loss (except by a transport company) or

exchange thereof;

• theft without breaking and entering, duly established and

reported by an official (police, gendarmerie, transport company,

ship's purser, etc.);

• accidental damage due to leaks of liquids, greasy substances,

dyes or corrosive substances in your baggage;

• confiscation of property by the Authorities (customs, police);

16

• damage, injury or loss caused by mites and/or rodents, and by

cigarette burns or by a non-incandescent heat source;

• theft of items kept in a convertible, estate car or other vehicle

not having a boot;

• sales representatives’ collections and samples;

• cash, documents, books, tickets and credit cards stolen, left

behind or damaged;

• identity papers (passport, identity card or residence permit,

vehicle registration document and driver's licence) stolen, left

behind or damaged;

• theft of jewellery when it is not kept in a locked safe while not

being worn, which implies de facto that such jewellery is not

covered while it is entrusted to any transport company

whatsoever (air, sea, rail, road, etc.);

• breakage of fragile items such as items made of porcelain,

glass, ivory, pottery, or marble;

• indirect loss such as depreciation and deprivation of use or

enjoyment;

• the following items: any prosthesis or apparatus of any kind,

bicycles, trailers, securities, paintings, spectacles, contact lenses,

keys of any kind, tape or film recordings and any professional

equipment, laptop computers, mobile phones, items of sports

equipment, musical instruments, foodstuffs, lighters, pens,

cigarettes, alcoholic drinks, works of art, beauty products and

photographic films.

WHAT AMOUNT OF COMPENSATION DO WE PAY? The amount indicated in the table of the amounts of cover constitutes the

maximum reimbursement for any claimable losses occurring during the

period of cover.

An excess per claim file is indicated in the table of the amounts of cover.

HOW IS YOUR COMPENSATION CALCULATED? You receive compensation on documentary evidence and on the basis of

the new value for replacement with equivalent objects of the same type,

minus depreciation.

Under no circumstances does the co-insurance clause as provided for in

Article L.121-5 of the French Insurance Code apply.

Our reimbursement is made minus any reimbursement obtained from

the transport firm and minus the excess.

WHAT ARE YOUR OBLIGATIONS IN THE EVENT OF A CLAIMABLE LOSS? Your claim notification should reach us within 5 business days, barring a case of force majeure or absolute necessity; beyond this deadline and if, as a result, we suffer a loss, you lose any right to compensation.

Your declaration of loss should be accompanied by the following items:

• The receipt for the complaint for theft or for the declaration of theft made

to a competent authority (police, gendarmerie, transport firm, purser,

etc.) when the claimable loss results from a theft during the trip or from

loss by a transport company;

• Missing baggage report filed and duly registered by the carrier (sea, air,

rail, road) when your baggage or items have been mislaid, damaged or

stolen during the period in which they were legally in the custody of the

carrier.

17

If the above documents are not produced, you run the risk of forfeiting your

rights to compensation.

The insured sums cannot be construed as proof of the values of the items

for which you are claiming compensation, or as proof of the existence of

said items.

You are required to evidence, by any means in your power and by any

document in your possession, the existence and the values of such items

at the time of the loss event, and the scale of the damage or loss.

If you knowingly use documents that are inaccurate as evidence, or use

fraudulent means, or make inaccurate or reticent declarations, you shall

forfeit any right to compensation, without prejudice to legal proceedings we

would then be entitled to take against you.


TSA 20296


FRANCE

or

[email protected]

WHAT HAPPENS IF YOU RECOVER ALL OR SOME OF YOUR BAGGAGE, ITEMS OR PERSONAL BELONGINGS? You should so inform us immediately by registered letter, as soon as you

are informed of such recovery:

• if we have not yet paid you compensation, you should retake

possession of the said baggage, items or personal belongings; we are

then legally bound to pay only for any damage or missing items;

• if we have already paid you compensation, you may within 15 days opt:

– either to relinquish the said baggage, items or personal belongings to

us,

– or to recover the said baggage, items or personal effects, subject to

repaying the compensation you have received less any portion

thereof that corresponds to damaged or missing items.

If you have not made your choice within a time limit of 15 days, we shall

consider that you have opted for abandonment.

18



→Individual accident

Taking of effect Cover expires



WHAT DO WE GUARANTEE? We guarantee payment of the amounts of compensation stated in the limit

of cover table in the event of accidental bodily injury suffered by you during

your trip.

What is an accident?

Any bodily harm that is unintended by you and that results from the sudden

and unexpected action of an external cause.

WHAT AMOUNT OF COMPENSATION DO WE PAY? We pay the amount stated in the limit of cover table in the following cases:

• in the event of accidental death occurring immediately or if the death

consequent upon the accident occurs within one year from the accident,

the capital is payable to the beneficiaries whom you have designated, or

failing that, to your assignees;

• in the event of permanent disability, you will receive a capital sum

calculated by applying to the capital stated in the limit of cover table the

disability rate determined on the basis of the scale that will be supplied

to you on request.

WHAT IS THE AGE LIMIT? Only people aged over 16 and under 70 qualify for “Individual Accident”

cover.

Disability scale

Right (1)

Left (1) • Total loss:

- of the arm 75 % 60 % - of the forearm or hand 65 % 55 % - of the thumb 20 % 18 % - of the forefinger 16 % 14 % - of the middle finger 12 % 10 % - of the ring finger 10 % 8 % - of the little finger 8 % 6 % - of the thigh 60 %

- of the leg 50 % - of both limbs 100 % - of the foot 40 % - of the big toe 5 % - of the other toes 3 % - of both eyes 100 % - of visual acuity or one eye 30 %

• Total deafness, incurable and untreatable with hearing aid

40 %

• Total deafness, incurable and one ear untreatable with hearing aid

15 %

• Total or incurable mental derangement

100 %

(1) if it is medically established that you are left-handed, the disability rate for the right upper

limb shall apply to the left upper limb and vice versa.

19

The disability rates not listed in the scale are determined by comparing

their seriousness to the cases listed above, irrespective of the victim's

occupation.

The term “loss” means total amputation or total paralysis of the limb in

question, or final and permanent ankylosis of all of the joints in the limb.



PACKAGES?”; we cannot provide cover under the following

circumstances:

• accidents caused by blindness, paralysis, mental illnesses, as

well as any diseases or infirmities existing at the time of

subscription to the contract;

• accidents caused by using a motorcycle with a cubic capacity of

over 125 cc either as rider or as pillion passenger;

• accidents resulting from any occupational activity;

• accidents resulting from practising certain sports, including

rock-climbing, competitive sledging, scuba diving with

autonomous equipment, parachuting and all air sports including

kite flying or any similar machine, potholing, as well as

accidents when training for or participating in sports

competitions;

• accidents caused by a transport firm not approved for public

transport;

• accidents resulting from exercises carried out under military

authority.

HOW IS THE COMPENSATION CALCULATED? The amount of the compensation may be set only after consolidation, i.e. after the date from which the after-effects of the accident have stabilized. Compensatable permanent disability after an accident that has affected a limb or an organ already injured is equal to the difference between the disability rate determined on the basis of the above scale and the disability rate existing prior to the accident.

If the accident gives rise to more than one injury, the overall disability rate

used to calculate the amount we pay is calculated by applying to the

aforesaid rate the method used to determine the disability rate for an

occupational accident.

In all cases, application of the disability scale assumes that the

consequences of the accident are not aggravated by the action of an

earlier illness or infirmity and that the victim has undergone appropriate

medical treatment after the accident. Otherwise, the disability rate

applied for compensation is determined by considering the

consequences that the accident would have had on a person previously

in a normal physical state who has undergone appropriate medical

treatment following the accident.

WHAT ARE YOUR OBLIGATIONS IN THE EVENT OF A CLAIMABLE LOSS? Your claim notification should reach us within 5 business days, barring a case of force majeure or absolute necessity; beyond this deadline and if, as a result, we suffer a loss, you lose any right to compensation.

20

Your declaration of loss should be accompanied by at least the

following items:

• the initial doctor’s certificate establishing the injuries,

• any statements by witnesses to the accident,

• the report or statement establishing the exact circumstances of occurrence of the accident.

During your treatment, you should allow our medical examiner to

examine you in order to assess the consequences of the accident.

You undertake to undergo the medical examinations he decides to

carry out and to give us all the necessary information for examining

your claim.

If you so desire, you may be accompanied by a doctor of your choice.

In the event of disagreement on the causes either of the death or of the

injuries, or on the compensatable consequences of the accident, we shall

refer the matter to two claims adjusters, one chosen by you or by your

assignees, the other chosen by us, with our respective rights being reserved.

Should their opinions diverge, a third claims adjuster shall be appointed,

either by mutual agreement, or by the Presiding Judge of the Regional Court

(Tribunal de Grande Instance) of your place of residence, ruling in summary

proceedings.

Each of us bears the fees and expenses of their claims adjuster. The

fees of the third appraiser shall be borne equally by both parties.

You should send us your claim notification to:

TSA 20296


FRANCE

or [email protected]

21



Intermediate code: 36135 Contract no. 78 912 712

SNOWLEADER

Claim notification

Subscriber's surname:

Subscriber's forename:

Address:

Postcode: City:

Country:

Telephone: or

Trip from to

Destination:

Date of the loss: Price of the trip:

Declares*: INTERRUPTION

CIVIL LIABILITY

DESTRUCTION OR LOSS OF SPORTS

EQUIPMENT

INDIVIDUAL ACCIDENT

In on Signature:

* Tick the box(es) matching the nature of the risk.


TSA 20296 94368 Bry-sur-Marne

FRANCE

You may also declare your loss:

→ by calling 01 45 16 63 82

→ or by e-mail to the following address:

[email protected]

In any event, if your claim concerns Repatriation Assistance cover, you should contact the emergency services and then our assistance call centre, open 24 hours a day and

seven days a week, on:

from France: 01 55 98 57 49.

from abroad: +33 (0)1 55 98 57 49.



Allianz

wishes you

a good

journey

1

CO

M19

904

– V

01

/17

If you need ASSISTANCE

Contact the Assistance Call Centre

24/24 - 7/7

→ BY TELEPHONE

• from France: or 33 1 55 98 57 49

• from abroad: +33 (0)1 55 98 57 49

preceded by the local

international call prefix

By fax • from France: or 33 1 45 16 63 92

or 33 1 45 16 63 94

• from abroad: +33 (0)1 45 16 63 92

or +33 (0)1 45 16 63 94

preceded by the local

international call prefix

By e-mail [email protected]

For any loss concerning the

INSURANCE (trip

interruption claims, etc.), you

should:

Inform MUTUAIDE

in writing at the latest within 5 days, by using the claim notification form

provided in this booklet, or send an e-mail to:

[email protected]

TSA 20296


FRANCE

Immeuble Cœur Défense 82, Esplanade du Général de Gaulle 92400 Courbevoie Tel. 01 44 86 20 00 Service des relations avec les consommateurs (Customer Relations Department) [email protected]

Allianz IARD Company governed by the French Insurance Code Limited liability company with capital of 991,967,200 euros 1 cours Michelet CS 3005192076 Paris La Défense Cedex 542 110 91 Nanterre Trade and Companies Register







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