CONTRACT DOCUMENTS

This insurance contract is governed by: The Insurance Code

These General Conditions
The guarantee certificate issued by your rental agency which takes the place of special conditions.

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1. CANCELLATION COVER

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Section 1.1 /NATURE AND SCOPE OF THE GUARANTEE

 

We guarantee the reimbursement of the cancellation costs invoiced by the organizer of the stay in application of its General Conditions of Sale when this cancellation, notified in writing BEFORE THE DATE OF ARRIVAL at the place of stay, is consecutive to the occurrence, after taking out insurance for one of the following events:

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• Serious illness, serious bodily accident or death, including relapse, aggravation of a chronic or pre-existing illness, as well as the consequences, consequences of an accident that occurred prior to the subscription of the contract for yourself, your spouse or notorious cohabitant, your ascendants or descendants up to the 2nd degree, fathers-in-law, mothers-in-law, sisters, brothers, brothers-in-law, sisters-in-law, sons-in-law, daughters-in-law, your legal guardian or a person usually living under your roof, of the person who accompanies you during your stay named and insured under this contract.

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• Death of your uncle, your aunt, your nephews and nieces.

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• Serious damage from fire, explosion, water damage or damage caused by the forces of nature to your professional or private premises and imperatively requiring your presence to take the necessary precautionary measures.

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• Serious illness, serious bodily accident or death including relapse, aggravation of a chronic or pre-existing illness, as well as the consequences, the after-effects of an accident which occurred prior to the subscription of the contract of your professional replacement named by name at the time of the subscription, of the person responsible during your stay for the care of your minor children, or of a disabled person of whom you are the legal guardian living under the same roof as you, whether you are the legal guardian.

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• Complications due to the state of pregnancy of one of the people taking part in the stay and insured under this contract.

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• Contraindication and following vaccination of one of the people taking part in the stay and insured under this contract.

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• Economic dismissal or conventional termination of yourself or your spouse or notorious partner insured by this same contract on the condition that the procedure was not initiated prior to the subscription of the contract.

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• Summons before a court, only in the following cases: Juror or witness of Assizes, Appointment as an expert, provided that you are summoned on a date coinciding with the period of travel.

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• Summons with a view to adopting a child provided that you are summoned on a date coinciding with the travel period.

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• Summons to a resit exam following an unknown failure at the time of booking or taking out the contract (higher education only), provided that said exam takes place during the trip.

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• Convocation for an organ transplant of yourself, your spouse or common-law partner or one of your ascendants or descendants in the 1st degree.

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• Serious damage from fire, explosion, water damage or damage caused by the forces of nature to your professional or private premises and imperatively requiring your presence to take the necessary precautionary measures.

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• Theft on professional or private premises provided that the importance of this theft requires your presence and that the theft occurs within 48 hours prior to departure.

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• Serious damage to your vehiclewithin 48 working hours preceding the 1st day of stayand insofar as it cannot be used to get to the place of stay.

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• Impediment to getting to the place of stay by road, rail, plane, sea, on the day of the start of the stay due to

  • roadblocks decreed by the State or a local authority,

  • traffic accident during the journey necessary to get to your planned holiday destination and whose damage results in the immobilization of your vehicle, justified by the expert's report.

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• Obtaining salaried employment for a period ofmore than 6 monthstaking effect before and during the planned dates of the stay, while you were registered as a jobseeker with Pôle Emploi on the day of registration for your stay and provided that it is not a case of extension or renewal of contract, nor of a mission provided by a temporary work company.Deductible of 25% of the amount of the claim with a minimum of 70 euros per case.

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• Your separation (marriage or PACS): In the event of divorce or separation (PACS), provided that the procedure has been brought before the courts after the booking of the trip and on presentation of an official document.Deductible of 25% of the amount of the claim with a minimum of 70 euros per file.

• Theft (supporting filing of a complaint with the police) of your identity card, driving license or passport within 5 working days prior to your departure preventing you from complying with the formalities for passing through the competent authorities.Deductible of 25% of the amount of the claim with a minimum of 70 euros per case.

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• Cancellation or modification of the dates of your paid holidays or those of your spouse or common-law partner imposed by your employerfor legitimate reason or exceptional circumstances and officially granted by the latter in writing before registration for the stay, this document from the employer will be required.This guarantee does not apply to entrepreneurs, liberal professions, craftsmen and entertainers. This guarantee also does not apply in the event of a change of employment. Deductible of 25% of the amount of the claim with a minimum of 70 euros per file.

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• Professional transfer requiring a moveimposed by your hierarchy, not having been the subject of a request on your part and provided that the transfer was not known at the time of the subscription of the Contract. This guarantee is granted to salaried employees, excluding members of a liberal profession, managers, legal company representatives, self-employed workers, craftsmen and intermittent performers.A deductible of 25% remains your responsibility.

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• Refusal of visa by the authorities of the country provided that no application has been previously refused by these authorities for this same country. Proof from the embassy will be required.

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Theme Travel Extension:

• Compensation for thematic services in the event of departure of the insured. In the event of illness or accident of the insured, certified by a doctor of medicine, preventing the practice of the activity for which he had registered and being the main object of the themed trip The Company will compensate the insured for the amount of themed services with a maximum of 50% of the total amount of the trip if the insured decides to make the trip. The services must be detailed on an invoice provided by the organizer of the trip;

 

​Extension Change Fee:

In the event of modification of the dates of your stay following a reason listed above, we will reimburse you for the costs incurred by the postponement of the dates of the guaranteed stay provided for contractually in the conditions of sale. In all cases, the amount of this indemnity may not be greater than the amount of the cancellation costs payable on the date of the occurrence of the event at the origin of the modification.

Non-cumulative cancellation and modification guarantees

 

In rentals, the cancellation guarantee is granted on the condition that the rental is fully vacated.

 

Article 1.2 /WARRANTY EFFECTIVENESS AND DURATION OF WARRANTY

Provided that the insured has paid the corresponding premium in advance, the cover takes effect upon purchase or reservation of the stay and expires at the time of arrival at the location of the stay (date appearing in the Special Conditions), or at the return of keys in the event of rental for the trip covered by this policy. 

However, for all subscriptions after the date of purchase and within the limit of 48 hours after the reservation of the trip, a waiting period of 4 days during which no guarantee can take effect, will be applicable from the date of subscription. of the contract and the guarantee will not take effect until the end of this period.

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Article 1.3 /LIMITATION OF WARRANTY

The indemnity due under this cover cannot exceed the actual amount of the penalties invoiced up to the amounts set out in the table of cover amounts following the cancellation of the stay. - In all cases, the indemnity may not exceed the amounts set out in the table of guarantees. Administrative fees, insurance premium, taxes including airport taxes (reimbursed by the carrier or any collecting body) and visa fees are non-refundable.
PLEASE NOTE: If the insured cancels the trip late, the Company can only cover the cancellation costs payable on the date of the occurrence of the event giving rise to the loss.
If the subscription of the guarantee is after the appearance of the reason for cancellation of the trip and sa 

knowledge by the insured, it will not give rise to the right to cover.

 

Section 1.4 / EXCLUSIONS
 

All cancellations for reasons other than the events listed in article 1 "nature and extent of the guarantee" are excluded from this guarantee. Similarly, in addition to the exclusions provided for in the General Provisions below, consecutive cancellations are not guaranteed:

• Illnesses or accidents having been the subject of a first observation, treatment, relapse, aggravation or hospitalization between the date of reservation of the trip and the date of subscription of this contract;

• Has an unstabilized pathology that has been the subject of a finding or treatment in the 30 days preceding the reservation of the stay;

• Any event occurring between the date of reservation of the trip and the subscription of the contract;

• Upon the death of a parent when this occurs more than one month before the departure date;

• Has atypical pneumonia or severe acute respiratory syndrome (SARS), avian flu or A-H1N1 flu as well as any pandemic or epidemic recognized by national or international health organizations;

• Aesthetic treatment, cure, voluntary termination of pregnancy, in vitro fertilization and its consequences, artificial insemination and its consequences, pregnancy;

• Late application for a visa to the competent authorities, refusal of a visa, non-compliance of a passport and forgetting to vaccinate;

• Has a psychological or mental or depressive illness without hospitalization or leading to hospitalization for less than 3 days.

 

2. STAY INTERRUPTION COSTS

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Article 2.1 / NATURE AND SCOPE OF THE GUARANTEE
 

If you have to interrupt the stay guaranteed by this contract, we undertake to reimburse the rental services not used as well as any cleaning costs for the rental, for which you cannot require the service provider to reimburse, replace or compensate in the case where you are obliged to leave and return the location rented to the hotelier following:

• Serious illness, serious accident or death of yourself, your spouse or notorious partner, your ascendants or descendants up to the 2nd degree, fathers-in-law, mothers-in-law, sisters, brothers, brothers-in-law, sisters-in-law, sons-in-law, daughters-in-law, your legal guardian or a person usually living under your roof, the person who accompanies you during your stay - named and insured under this contract.

• Serious illness, serious accident or death of your professional substitute named at the time of subscription, of the person responsible during your stay for the care of your - minor children, or of a disabled person for whom you are the legal guardian living under the same roof as you, whether you are the legal guardian.

• Serious damage from fire, explosion, water damage or damage caused by the forces of nature to your professional or private premises and imperatively requiring your presence to take the necessary protective measures. 

• Theft in professional or private premises provided that the importance of this theft requires your presence. 

 

In rental, the interruption guarantee is granted on the condition that the rental is completely released. 

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EXTENSION :

We reimburse the insured pro rata temporis for the costs of non-refundable sports activity passes (ski lift pass, - ski lessons, rental of sports equipment, etc.) already paid for and not used when the insured must interrupt the practice of this activity only in the event of an Accident prohibiting the practice of this sport, less a one-day Excess.

 

Article 2.2 /FRANCHISE

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In all cases, the Company will indemnify the insured after deducting a deductible, the amount of which is specified in the table of guarantees.

 

Article 2.3 /LIMITATION OF WARRANTY

 

In all cases, the indemnity may not exceed the amounts set out in the table of amounts of cover.

 

Article 2.4 / EXCLUSIONS

 

All interruptions for reasons other than for the events listed in article 1 "Nature and extent of the guarantee" are excluded from this guarantee. Similarly, in addition to the general exclusions provided for in the General Provisions below, consecutive interruptions are not guaranteed:

• Illnesses or accidents having been the subject of a first observation, treatment, relapse, aggravation or hospitalization between the date of reservation of the trip and the date of subscription of this contract;

• Has an unstabilized pathology that has been the subject of a finding or treatment in the 30 days preceding the reservation of the stay;

• Any event occurring between the date of reservation of the trip and the subscription of the contract;

• Upon the death of a parent when this occurs more than one month before the departure date;

• Has atypical pneumonia or severe acute respiratory syndrome (SARS, COVID), avian flu or A-H1N1 flu as well as any pandemic or epidemic recognized by national or international health organizations;

• Aesthetic treatment, cure, voluntary termination of pregnancy, in vitro fertilization and its consequences, artificial insemination and its consequences, pregnancy;

• Has a psychological or mental or depressive illness without hospitalization or leading to hospitalization for less than 2 days.

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3. CURIST EXTENSION

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Article 3.1 /NATURE AND SCOPE OF THE WARRANTY 

 

By way of derogation from the contract, the cancellation and interruption guarantees are granted to the reserving guests under this option.
Nothing is changed to the other clauses, warranties and exclusions of the contract.

 

EXTENDED WARRANTY :
Cancellation or interruption of the stay in the event of illness or accident of the insured confirmed by a medical doctor until the first day of the cure preventing the practice of this last main theme of his stay for which he had registered.

 

4. IN CASE OF CLAIM

 

WHAT ARE YOUR OBLIGATIONS IN THE EVENT OF A CLAIM?

 

When the Insurance guarantees are at stake, the insured must imperatively:

Notify Gritchen Affinity in writing of any loss likely to involve the guarantees of the contract within five working days (period reduced to two working days in the event of theft).

These periods run from the knowledge by the insured of the loss likely to lead to the implementation of the guarantee.
After this period, the insured will be deprived of any right to compensation if the delay has caused damage to the Company.

 

CANCELLATION INTERRUPTION

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Your declaration must be accompanied by:

• your contract reference

• a copy of the rental contract indicating precisely the identity of the Reservers, the amount of the advance, the amount of the rental and the dates of the rental initially planned

• proof showing the date of the reservation of the seasonal rental

• all documents justifying the date of cancellation of the reservee and the possible reason

• You agree to send us, on simple request from us, all the documents necessary for the processing of your file.

• receipted invoice of the debit that you are required to pay to the organizer of the trip or that the latter retains,

• In the event of illness or accident, a medical certificate specifying the origin, nature, severity and foreseeable consequences of the illness or accident,

• In the event of death, a certificate and civil status record,

• In other cases, any proof.

• You must send us the documents and medical information necessary for the examination of your file by means of the envelope pre-printed in the name of the medical adviser which we will send to you upon receipt of the declaration of loss, as well as the medical questionnaire to be completed completed by your doctor.

• If you do not have these documents or information, you must have them communicated to you by your attending physician and send them to us using the pre-printed envelope referred to above.

• You must also send us, the communication of these additional documents to be done by means of an envelope pre-printed in the name of the medical adviser, all information or documents which will be requested from you in order to justify the reason for your cancellation, and in particular:

• All photocopies of prescriptions prescribing medicines, analyzes or examinations as well as all documents justifying their delivery or execution, and in particular the sickness forms comprising, for the prescribed medicines, a copy of the corresponding vignettes,

• The statements of the Social Security or any other similar organization, relating to the reimbursement of treatment costs and the payment of daily allowances,

• In the event of an accident, you must specify the causes and circumstances and provide us with the name and address of those responsible, as well as, where applicable, witnesses.

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PROVISIONS COMMON TO ALL GUARANTEES
Like any insurance contract, this one includes reciprocal rights and obligations. It is governed by the French Insurance Code. These rights and obligations are set out in the following pages.

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DEFINITIONS

Serious bodily injury: any unintentional bodily injury on the part of the victim, resulting from the sudden action of an external cause noted by a medical doctor, and involving the cessation of any professional or other activity and prohibiting him from moving by his own means .

 

Hazard: Unintentional, unpredictable, irresistible and external event.

 

Member: The natural person subscribing to the insurance contract

 

Insured(s): the person(s) insured under this contract.

 

Attack/Acts of terrorism: By attack is meant any act of violence, constituting a criminal or illegal attack, against persons and/or property, in the country in which you are staying, with the aim of seriously disturbing public order. This "attack" will have to be recorded by the French Ministry of Foreign Affairs

 

Have right: person benefiting from benefits paid, not on a personal basis, but because of his links with the insured. Unless otherwise stipulated when subscribing to this contract, the spouse is exclusively covered, failing which the children, failing which the heirs of the insured.

 

Natural disaster: The abnormal intensity of a natural agent not resulting from human intervention.

 

Insurance Code: Collection of legislative and regulatory texts governing the insurance contract.

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Rental agreement: Contract concluded between the Lessor and the Insured for the provision of the leased Property and for a period not exceeding 90 days and for private use. The rental contract must provide the following information: address of the rental, description of the accommodation, duration of the rental with the dates of arrival and departure, date of signature of the contract, signatures of the parties, identity of the occupants, address of the tenant , rental price including tax, the amount of the advance paid when booking and security deposit paid when entering the premises

 

Forfeiture: Loss of the right to the Guarantee for the Claim in question

 

Insurer : Aréas Dommages, a mutual insurance company registered with the Paris Trade and Companies Register under number 775 670 466, whose head office is located at 47-49 rue de Miromesnil 75380 Paris

 

Assistant: The services of this assistance agreement are provided by: AWP P&C, SA with capital of €17,287,285, 519 490 080 RCS Bobigny. Head office: 7, rue Dora Maar – 93400 Saint-Ouen (company governed by the Insurance Code) and are implemented by AWP FRANCE SAS, SAS with capital of €7,584,076.86, 490 381 753 RCS Bobigny. Head office: 7, rue Dora Maar – 93400 Saint-Ouen. Insurance brokerage company - Registration ORIAS 07

026 669 - http://www.orias.fr/ designated under the trade name “Mondial Assistance”.

 

Residence: the usual place of residence of the Insured for at least 6 months.

 

DOM-ROM, COM : DROM POM COM means the new names of the DOM-TOMs since the constitutional reform of March 17

2003, modifying the names of the DOM-TOMs and their definitions.

 

Injury: Any physical or moral damage suffered by a person as well as the immaterial damage resulting therefrom.

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Property damage: Any damage deterioration alteration loss or destruction of a thing or substance, any physical damage to animals.

 

Consequential material and immaterial damage: All damages other than bodily injury or material consisting of costs and pecuniary losses resulting from the deprivation of enjoyment of a right, the interruption of a service rendered by a person or property, or the loss of a profit and consecutive to bodily injury or material damage covered.

 

Duration of guarantees: the guarantees are granted to the Insured for a period defined in the Special Conditions of the contract.

Transport company: Transport company means any company duly approved by the public authorities for the transport of passengers.

 

Event: any event generating harmful consequences, likely to lead to the implementation of one or more guarantees of the contract.

 

Europe: By "Europe", we mean the countries of the European Union, the United Kingdom, Switzerland, Norway or the Principality of Monaco.

 

Franchise: amount to be borne by the Insured in the event of a claim.

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Short term rental: Stay of less than 90 days in premises intended for holiday stays of which the tenant is not the owner, nor a year-round tenant.

 

We: The Insurer

 

Insurance claims manager: Gritchen Affinity - 27 rue Charles Durand – CS 70139 - 18021 BOURGES – FRANCE

 

Assistance claims manager: AWP FRANCE SAS, SAS with capital of €7,584,076.86, 490 381 753 RCS Bobigny. Head office: 7, rue Dora Maar – 93400 Saint-Ouen. Insurance brokerage company - Registration ORIAS 07 026 669 - http://www.orias.fr/ designated under the commercial name "Mondial Assistance".

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Strike: Collective action consisting of a concerted cessation of work by the employees of a company, an economic sector, a professional category aimed at supporting the claims

 

Family members: legal or de facto spouse, ascendants or descendants up to the 2nd degree, fathers-in-law, mothers-in-law, sisters, brothers, brothers-in-law, sisters-in-law, sons-in-law, daughters-in-law.

 

Serious illness: any deterioration in health noted by a medical doctor, involving the cessation of any professional or other activity and requiring appropriate care.

 

Owner/ renter: domiciled in the European Union including Switzerland, United Kingdom, and Monaco, This is the natural or legal person who owns real estate, assigned to holiday stays, which it offers for rental to customers. tourism through the Subscriber

 

Booker/tenant: Natural person having subscribed to a seasonal rental contract for a Stay within a property belonging to the owner. The reserving party cannot be the owner, bare owner, occupant free of charge or usufructuary of the rented property.

 

Stay: Stay means any rental located anywhere in the world for a maximum and non-renewable duration of 90 consecutive days in a furnished seasonal rental given for rent by the owner to the Reservant. The seasonal rental contracted by the Reservant must cumulatively fulfill all of the following conditions:

• the rented property must be accommodation in a building (house or apartment) or boat at the quay.

• the rented property must not be company accommodation, the rental must be granted temporarily for a vacation stay.

 

Subscriber: the organization or the legal or natural person, domiciled in the European Union including  Switzerland, United Kingdom and Monaco which distributes Assurlodge insurance to Members and undertakes to remit contributions .

 

Claim: Event likely to lead to the application of a guarantee to the contract.

 

Subrogation: The legal situation by which a person sees himself transferring the rights of another person (in particular: substitution of the Insurer for the insured for the purposes of proceedings against the opposing party).

 

Territoriality:

The guarantees apply:

• When the reserving Insured resides in a country

from the European Union including Switzerland, United Kingdom and Monaco for rented properties located anywhere in the world with the exception of countries that are not politically stabilized and not recommended by the French Ministry of Foreign Affairs.

• When the reserving Insured resides in a country outside the European Union, Switzerland, United Kingdom and Monaco for rented property located in a country of the European Union, Switzerland, United Kingdom and Monaco

 

Third: Any person other than the Insured. Any Insured victim of consequential bodily, material or immaterial damage caused by another

Insured (the Insured are considered third parties among themselves). Any natural or legal person, excluding the Policyholder, the Insured Person, members of his family, persons accompanying him and his employees.

 

Wear: Devaluation or depreciation, on the day of the Claim, of the value of an asset caused by prolonged use or its maintenance conditions.

 

dilapidated: Consequence of the seniority of the Wear, the age or the state of maintenance, on the day of the Claim, on the value of an asset.

Dilapidation applied:

• 10% per year from the date of purchase of the damaged good on presentation of the purchase invoice of the good

• 80% per year in the absence of a purchase invoice based on the purchase price including tax on the day of the Claim, capped at €200

 

 EXCEPTIONS:

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