CANCELLATION
INSURANCE POLICY
1. Purpose of the cancellation insurance policy
If you cancel your
trip, the tour operator will charge you all
or part of the price of the cancelled services, called cancellation fees;
these fees gradually increase as the departure date approaches. They are
calculated according to a scale indicated in the general Terms and Conditions
of the brochure.
Our cover consists
of complementing the reimbursement of the tour operator, airline or rental
organisation. We reimburse to you the cancellation fees that you contractually
bear when you cancel your stay, before
departure, for a valid reason under this agreement.
In the case of rentals, our cover is granted provided the rental has
been fully cancelled.
Note:
All of the tourist services covered by this agreement,
whether they run concurrently or successively, are deemed to form one and only
one trip, for which only one departure date is set: the date specified by the tour operator as the starting
date for the insured services.
2. Events
eligible for insurance cover
You are insured if
you have to cancel your trip for one of the following reasons:
2.1
A serious illness or physical injury, including the
after-effects, relapse, complications or aggravation of a disease or accident
suffered before booking your trip, or the death of:
a)
Yourself, your legal or common-law spouse, an ascendant or descendant;
b) A brother,
sister, brother-in-law, sister-in-law, son-in-law, daughter-in-law or
parent-in-law;
c) A business partner covering for you, indicated at the
time you subscribe to this insurance policy;
d) The person
designated when you subscribed to this agreement as being in charge, during
your trip, of looking after or escorting your underaged
child or children or a disabled dependant.
It is your responsibility to establish the real nature of the situation
entitling you to this insurance cover. We thus reserve the right to reject your
request, should the information provided fail to demonstrate material facts,
according to our doctors.
2.2
Pregnancy complications.
2.3
Serious material damages following a burglary, fire, water damage or climatic
event, affecting more than 50% of
your main or second place of residence, making it compulsory for you to attend
to the damages on the date you were due to depart, for the implementation of
preventative measures and administrative procedures.
2.4 Serious material damages caused to your vehicle occurring within 48 hours prior to your departure and
affecting your vehicle in such a way that you cannot use it to drive to the
location of your stay.
2.5 The redundancy of yourself or
your spouse, provided
this procedure had not begun on the day you subscribed to this agreement.
2.6 Your appointment to a
salaried job or paid internship, becoming effective before or during the scheduled
dates of your trip, while you were unemployed, providing this appointment is
neither a contract extension nor renewal, nor a temporary contract provided by
a temporary employment agency.
2.7 The modification of your
holiday dates by your employer. This guarantee is granted to salaried employees, and
excludes self-employed people and company executives. These holidays must be a
vested right and must have been previously approved by the employer. You will receive compensation minus a specific excess that is set in the
Terms and Conditions, and which also applies to the persons who registered with
you. This excess represents 25% of the total amount paid at
the time of booking and applies to any cancellation occurring between 30 days
and 1 day prior to departure.
2.8 Your non-disciplinary
professional transfer, imposed by your employer, forcing you to relocate in the 8-day period before
departure or during your insured trip, provided you were not aware of such a
transfer at the time you subscribed to this agreement.
2.9 Your required attendance
for adoption of a child during the insured trip, provided you were not aware of this notification at
the time you subscribed to this agreement.
2.10 The cancellation for a valid reason by one or several of the persons who
registered at the same time as you and were also insured under this agreement, if,
because of this cancellation, you must travel alone or with just one other
person.
2.1. In no event will the compensation paid pursuant to
this agreement exceed the amount of the fees charged by the trip organiser,
following the contractual scale(s) and within the limits set out in the Terms
and Conditions.
2.2. We will reimburse to you the cancellation fees charged
by the trip organiser according to the scale set in the organiser's Terms and
Conditions. However, the reimbursement
is limited to the fees you would have been charged following this scale if you
had informed the organiser within 48 hours following the event covered by this
guarantee. The administrative costs, gratuities, visa fees as
well as the premium paid for subscription to this agreement are not refundable.
2.3. A €38 excess covering the handling of your file is
always deducted from the compensation payable.
3.1. The insurance must be subscribed to and registered
with Travelhorizon BV at the time you book the
insured stay or at the latest before the cancellation fees scale specified in
the organiser's Terms and Conditions becomes effective.
3.2. The cover applies from the first day the cancellation
fees scale becomes applicable, or on the day you subscribe to this agreement if
such a subscription occurs subsequently, and stops immediately when the first
insured service starts.
3.3. The application of the cancellation insurance is not
cumulative with any other cover subscribed to under this agreement.
4.1. You must inform the organizer of your trip of your
cancellation by the fastest means possible (fax +31 (0)43 408 6330, tel 0844 33 800 57 from Monday to Friday, from 9am to
8.30pm and Saturday from 9.30am to 6pm or email to
service_client@travelhorizon.com) as soon as the incident preventing your
departure happens, and/or no later than 48 hours after the incident.
4.2. You must inform us in writing with the necessary
paperwork justifying the incident within five working days from the moment you
acknowledged the incident, except in the case of exceptional circumstances out
of your control.
CLIENT SERVICE, Travelhorizon
Group
Randwijcksingel
35
6229 EG Maastricht, The
Netherlands.
We will provide you
with the necessary information to submit your claim.
Moreover, if your
cancellation is due to sickness or a physical injury, you will have to forward
to Travelhorizon BV's medical service, all the
related information and documents necessary to assess the legitimacy of your
claim.
Note: If you fail
to inform the organizer of your intention to cancel as soon as possible, you
will only be covered for the cancellation fees contractually due when the event
entitling you to our cover occurred, and your own insurance will be responsible
for the difference.
CHAPTER -5-
COVER
EXCLUSIONS
In addition to the
general exclusions (Chapter 3 of the common terms), the following are also
excluded from the cover:
5.1.
Sicknesses or accidents which were first observed or
were subject to a treatment, relapse, aggravation or hospitalisation between
the date the trip was booked and the subscription date of this agreement.
5.2.
Pregnancy, except for marked and unpredictable
complications, voluntary termination of pregnancy, childbirth, in vitro
fertilisation and its consequences.
5.3. Failure to obtain any necessary vaccinations.
5.4.
Any medical event, the diagnosis, symptoms or cause of
which is related to mental, psychological or psychiatric health, and which has
not resulted in a hospitalisation of more than 5 consecutive days after the
subscription of this agreement.
5.5.
Accidents resulting from the practice, as an amateur
and at any level, of motorsports (car, motorbike or any motor vehicle) or
aerial sports.
5.6.
Epidemics, pollution, acts of God, subject to the
procedure under Law 82.600 of the 13th of July 1982 as well as their
consequences.
5.7.
Consequences of penal procedures you are subject to.