Insurance Terms and Conditions


This contract, as with any insurance contract, constitutes reciprocal rights and obligations. It is governed by the French Insurance Code. These rights and obligations are set out in the following pages.

CANCELLATION

The Cancellation guaranty provides for the reimbursement of the expenses for cancellation, prior to Departure, of rental of the Guaranteed ski equipment within the limits of the amounts and deductibles set out in the “Table of Guaranties” below, for which the Insured is responsible and invoiced by Sport 2000 in application of the general terms and conditions for the rental of ski Equipment, in the event that the Insured cannot depart due to any one of the following causes:

  • Accidental death, Accident or Medical condition preventing any trip by the Insured under his/her own efforts, Hospitalization, including relapse or aggravation of an Accident or Medical condition arising prior to subscription to this guaranty, it being understood that, for the calculation of this reimbursement, shall be taken into account the date of the first medical observation of the aggravation, evolution or relapse of:
    • the Insured
    • his/her Spouse,
    • a member of his/her Family (as defined herein), or
    • any person routinely living with him/her
  • A pregnancy unknown at the time of subscription and counter-indicating the trip by the very nature thereof, pathological pregnancy, miscarriage, therapeutic interruption of a pregnancy, delivery and its aftermath occurring before the 8th month.
  • Damage to property (destruction greater than 50%) or major theft, occurring at the Residence of the Insured or at professional premises of which he/she is the owner, tenant or occupant without fee, imperatively necessitating his/her presence at the premises in order to take the necessary protective measures.
  • Economic lay-off, on the condition that the procedure was not undertaken prior to subscription to the guaranty.
  • Obtaining of paid employment or a paid internship before the Departure while the Insured was registered with the French National Employment Bureau (ANPE), except with respect to the extension or renewal of an employment or internship contract.
  • Modification or elimination by the employer of the period of paid leave as previously granted for vacations, subject to the application of a minimum deductible of 20% of the amount of the compensation. Self-employed professionals, and the managers and legal representatives of a business are excluded from the foregoing.
  • Summons to attend a university repeat examination on a date falling within the period of the anticipated vacation, provided that failure of the examination is not known at the time of subscription to the guaranty.
  • Summons to attend, on a date falling within the period of the anticipated vacation and unknown at the time of subscription to the guaranty, not subject to postponement and requiring presence, for one of the following administrative reasons:
    • summons with respect to the adoption of a child,
    • summons as a court witness or juror.
  • Refusal of a tourist visa by the authorities of the country chosen for the vocation, provided that no request was previously filed and refused by such authorities for a previous vacation.
  • Theft of a National Identity Card or passport occurring within 48 hours prior to Departure if such documents are indispensable for the vacation.
  • SERIOUS DAMAGE HAS YOUR VEHICLE In the 48 hours preceding the departure and in measurement or this one cannot be used to return to you on the place of stay or to go fixed by the organizer.
  • COUNTER-INDICATION AND CONTINUATION OF VACCINATION.

TABLE OF GUARANTIES

GARANTY AMOUNTS AND LIMITS
Cancellation Maximum per Insured 300 Euros
Maximum per Loss 5 000 Euros
A Deductible of 10% is applicable in the event of cancellation less than 48 hours before Departure    

CALCULATION OF REIMBURSEMENT OF CANCELLATION EXPENSES

If the Insured has chosen this option and his/her cancellation occurs between the effective date of the guaranty and 48 hours prior to Departure, the Insurer shall reimburse the actual amount paid by the insured party, after deduction of taxes, insurance premiums and handling fees.

If the Insured has chosen this option and his/her cancellation occurs less than 48 hours prior to Departure, the Insurer shall reimburse 100% of the cost of the ski rental invoiced by Sport 2000 in application of its special terms and conditions of sale, after deduction of taxes, insurance premiums and handling fees and with application of a deductible of 10% of the amount reimbursed by the Insurer.

INTERRUPTION

In the event that the Insured has to interrupt the vacation guaranteed by this contract, the Insurer undertakes to reimburse the days of ski material rental not used, which the Insured may not request the provider to reimburse, replace or compensate for in the event of:

  • Death, serious illness, serious physical accident preventing any trip by the Insured under his/her own efforts, hospitalization including relapses or aggravation of an accident or medical condition arising prior to the subscription to this guaranty: of the Insured, his/her legal or common law spouse, his/her 1st or 2nd generation ancestors or descendants, his/her father-in-law, mother-in-law, brother, sister, brother-in-law, sister-in-law, son-in-law, daughter-in-law, as well as any person routinely living with the Insured.
  • Damage to property (destruction greater than 50%) or major theft, occurring at the Residence of the Insured or at professional premises of which he/she is the owner, tenant or occupant without fee, imperatively necessitating his/her presence at the premises in order to take the necessary protective measures.
  • Summons to attend, on a date falling within the period of the anticipated vacation and unknown at the time of subscription to the guaranty, not subject to postponement and requiring presence, for one of the following administrative reasons:
    • summons with respect to the adoption of a child,
    • summons as a court witness or juror.
    • Summons to attend a university repeat examination on a date falling within the time of the anticipated vacation, provided that failure of the examination is not known at the time of subscription to the guaranty.

The reimbursement will be made pro rata ,

TABLE OF GUARANTIES

GARANTY AMOUNTS AND LIMITS
Cancellation Maximum per Insured 300 Euros
Maximum per Loss 5 000 Euros
A Deductible of 10% is applicable in the event of cancellation less than 48 hours before Departure    

THEFT & BREAKAGE

  • In the event of accidental damage to the Guaranteed ski equipment: assumption of the repair, or replacement of the Guaranteed ski equipment if repair is not possible or is not economically feasible, to the extent of 600€ per piece of Guaranteed ski equipment and with application of a deductible.
  • In the event of simple theft or burglary of the Guaranteed ski equipment: assumption of the replacement cost of the Guaranteed ski equipment, to the extent of 600€ per piece of Guaranteed ski equipment and with application of a deductible.

The deductible for which the Insured is responsible is established on the basis of the category of Guaranteed ski equipment:

  • 25 € for children’s skis and snowboards including baby, blue and red packages.
  • 40 € for adults skis and snowboard including Primo, green, blue, red, mini ski, black and free style packages.
  • 50 € for adults skis including diamond, free ride, touring skis and infinity packages.

The guaranty is limited to a sole loss per piece of Guaranteed ski equipment and per insurance period.
 

COMPENSATION


In case of theft or damage to the equipment, the following indemnification procedure shall be applied:

  • The insured party shall reimburse the full amount of the damage to the shop where the equipment was picked up.
  • After investigation and acceptance of the case covered by the insurance policy, the insurance company shall indemnify the insured party minus the contractual deductible.

EXCLUSIONS FROM THE GUARANTIES

SPECIFIC EXCLUSIONS RELATING TO THE CANCELLATION / INTERRUPTION GUARANTIES

  • Accidents intentionally caused or provoked by the Insured or the beneficiary of the contract
  • Consequences of the suicide or attempted suicide of the Insured
  • The ingestion of drugs, narcotics, similar substances and medication not prescribed by an authorized medical authority, and the consequences thereof
  • The consequences of an alcoholic state of the Insured characterized by the presence of a blood level of pure alcohol equal to or exceeding that fixed by French law governing driving
  • Nervous or mental conditions leading to hospitalization

ACCIDENTS ARISING UNDER THE FOLLOWING CIRCUMSTANCES ARE ALSO EXCLUDED

  • If the Insured practices a sport on a professional level, or practices or takes part in an amateur race requiring the use of a motorized land, air or aquatic motor engine
  • If the Insured uses, as pilot or passenger, a ULM (micro light), hang-glider, flying wing, parachute or paraglider
  • If the Insured participates in a fight (except in the event of self-defense), or in crimes

SPECIFIC EXCLUSIONS RELATING TO THE THEFT & BREAKAGE GUARANTY

  • A theft of Guaranteed ski equipment on site between 6 (six) pm and 9 (nine) am;
  • A theft other than a burglary between 6 (six) pm and 9 (nine) am;
  • The loss, including the loss following an event of force majeure, or the disappearance of the Guaranteed ski equipment;
  • Damage other than Accidental Damage to Property;
  • Damage caused to exterior parts of the Guaranteed ski equipment not damaging the proper functioning thereof, such as scratches, chips, scrapes;
  • Damage resulting from the failure to follow the use and maintenance instructions provided by the Sport 2000 store where the Guaranteed ski equipment is retrieved;
  • Damage relating to the guarantee of the manufacturer, distributor or fitter;
  • Intentional or fraudulent fault of the Insured.

TERRITORIALITY

The guaranties are effective for all guaranteed losses occurring in Metropolitan France.

IN THE EVENT OF LOSS

DECLARATION OF LOSS

Under penalty of loss of guaranty, except for unintentional cases or events of force majeure, the Insured must declare his/her loss to GRITCHEN AFFINITY– Sinistre Sport 2000 (GRITCHEN address) in writing (CS 70139 – 18021 BOURGES CEDEX) or by email to sinistres@gritchen.fr  within 5 (five) business days as from the date of the occurrence of the loss. This deadline is reduced to 2 (two) days in the event of theft.

WITH RESPECT TO THE CANCELLATION / INTERRUPTION GUARANTIES

  • Documents necessary for the settlement of losses
  • Common documents necessary for all declarations of loss: 
    • A detailed "declaration of loss"
    • A copy of the email confirming reservation of rental and mentioning subscription to the Cancellation – Theft & Breakage insurance.

The documents necessary in the following circumstances:

  • Death, Accident or Medical condition: Death Certificate or medical certificate, family record book (if the victim is not the Insured)
  • Pregnancy: Medical certificate
  • Vaccination contraindication: Medical certificate
  • Economic lay-off: Certificate of economic lay-off
  • Obtaining of employment: Employer certificate
  • Modification or elimination of paid leave: Employer certificate
  • Official summons: Copy of the summons including the date of issuance of the document
  • VISA refusal: Copy of the passport and attestation under oath that there has been no previous refusal 
  • Theft: Copy of the filing of complaint

In the event that complementary medical information or any other documentary evidence, in accordance with the relevant guaranties, proves to be necessary for the settlement of the Loss, the Insured shall be personally advised of such by the Centre for the management of losses or the Insurer.

COMPENSATION

Any payment shall only be made after transmission of a complete file accompanied by the elements requested by the Centre for the management of losses. 
Following agreement between the parties, the compensation shall be paid within a period of 15 days. 

If an expert evaluation proves necessary for the settlement of the Loss and without reasonable cause the Insured or the legal representative refuses to submit thereto and, if after forty eight hours prior notice is given by registered letter, he/she persists in his/her refusal, the Insurer is obliged to decline all rights to compensation for the Loss in question.

WITH RESPECT TO THE THEFT & BREAKAGE GUARANTY

In the event of burglary or simple theft

  • File a complaint, as soon as possible, with the competent authorities, which must mention the theft and the circumstances thereof.
  • Declare the loss to GRITCHEN ASSURANCES – by communication of the following documents: original of the complaint expressly mentioning the Burglary or the Simple Theft and an attestation under oath specifying the exact circumstances of the loss (date, time and place of the loss).

In the event of accidental damage

  • Declare the loss to GRITCHEN ASSURANCES by communication of the following documents: an attestation under oath specifying the exact circumstances of the loss (date, time and place of the loss) and the attestation of the Sport 2000 store specifying the damage caused to the Guaranteed ski equipment.

Comply with the instructions of GRITCHEN ASSURANCES

Gan may request the opinion of an expert or an investigator as well as any other documentary evidence deemed necessary for the justification of the grounds of the request for compensation.

COMPENSATION 

After the processing and acceptance of the guaranteed Claim, the Insurer will compensate Sport 2000 for the costs of refurbishment or replacement of the guaranteed ski Equipment.

EFFECTIVE DATE AND DURATION OF MEMBERSHIP AND OF GUARANTIES

The effective date of the membership and the effective date of the guaranties are identical. Subject to the effective payment of the fee, membership begins on the day on which the Guaranteed ski equipment is retrieved from the store. 

The duration of the membership and the duration of the guaranties are identical. They correspond to the duration of the rental of the Guaranteed ski equipment as indicated at the time of reservation on the website of Sport 2000. The membership and the guaranties shall end:

  • upon the expiration of the period of validity of the guaranties;
  • in all other cases provided for by the French Insurance Code and in particular in the event of the non-payment of fees, or in the event of the disappearance or the total destruction of the Guaranteed ski equipment causing the ineffectiveness of the guaranties.

FEES

The insurance fee is based on the number of pieces of Guaranteed ski equipment and the number of days of rental.

It is due at the same time as payment for the reservation of the Guaranteed ski equipment on the website of Sport 2000.

GENERAL PROVISIONS

This contract, as with any insurance contract, constitutes reciprocal rights and obligations. It is governed by the French Insurance Code. These rights and obligations are set out in the following pages.

COMMON PROVISIONS RELATING TO ALL OF THE GARANTIES

Appendix to article A. 112-1 : Information Document for the exercising of a right of renunciation as provided for in article L. 112-10 of the Insurance code.

Please verify that you are not already a beneficiary of a guarantee covering one of the risks guaranteed by the new contract. If this is the case, you benefit from a right of cancellation of this contract for a period of 14 (calendar) days as of its signing, with no cost or penalties, if all of the following conditions are met:

- you have subscribed this contract for non-professional purposes;

- this contract complements the purchase of goods or services sold by a supplier;

- you can prove that you are already covered for one of the risks guaranteed by this new contract;

- the contract that you wish to cancel has not been fully carried out;

- you have not made any claim based on an incident guaranteed by this contract.

In this situation, you can exercise your right to renounce this contract by letter or any other permanent support sent to the insurer of the new contract, accompanied by a document proving that you already benefit from a guarantee for one of the risks guaranteed by the new contract. The insurer must reimburse you for the premium paid within a period of 30 days as of your renunciation.

"I, the undersigned, Mr..........residing at.........hereby renounce my contract No. ......... subscribed with....... in accordance with article L. 112-10 of the Insurance Code. I certify that as of the date of the sending of this letter I am not aware of any incident that could involve the application of a guarantee of the contract."

If you wish to cancel your contract but you do not meet all of the conditions mentioned above, check the procedures for cancellation provided for in your contract.

DEFINITIONS

Random events

Events that are unintentional, unforeseeable, irresistible and exterior.

Policy holders

People who are duly insured under this contract designated hereafter by the term "you". For the application of the legal provisions concerning the statute of limitations, you should refer to "Policy Holder" when the articles of the Insurance Code mention "the Insured Party."

Insurer / Assistance provider

ALLIANZ IARD hereafter referred to as "we", having its headquarters at: ALLIANZ IARD - 87, rue de Richelieu – 75  002 PARIS

Attacks/Acts of terrorism

Attack means any act of violence, constituting a criminal or illegal attack, carried out against people and/or property, in a country in which you are staying, aiming to seriously disturb public order.

This "attack" must be listed by the French Ministry of Foreign Affairs.

Natural disasters

The abnormal intensity of a natural agent not stemming from human intervention.

French Insurance Code

The legislative and regulatory texts governing insurance contracts in France.

Forfeiture
Loss of the right to the Guarantee for the Claim involved.

Place of Residence
Place of Residence means your main and usual residence.

Drom Pom Com

The new appellations for the DOM TOM since the Constitutional Reform dated 17 March 2003, amending the denominations of the DOM TOM and their definitions.

Transportation company

Transportation company means any company duly authorized by the public authorities to transport passengers.

Europe

The member States of the European Union, Switzerland, Norway or the Principality of Monaco.

Medical expenses

Medically prescribed pharmaceutical, surgical, consultation and hospitalization expenses necessary for the diagnosis and treatment of an illness.

France

France means the European territory of France (including the islands located in the Atlantic Ocean, the English Channel and the Mediterranean Sea) as well as the DROM POM COM (Overseas Departments and Regions, new names of the Overseas Departments and Territories since the constitutional reform of March 17, 2003).

Deduction
The part of the compensation which remains at your expense.

Insurance claim manager

GRITCHEN AFFINITY

27 Rue Charles Durand

CS 70139

18021 BOURGES CEDEX

Insurance claim manager

Mutuaide

8-14, avenue des Frères Lumière

94368 BRY-SUR-MARNE CEDEX – FRANCE

Strike

A collective action involving a concerted stopping of work by the employees of a company, an economic sector or a professional category aiming to support certain demands.

Civil War

The armed opposition between several parties belonging to the same country, as well as any armed rebellion, revolution, insurgency, insurrection, coup, application of martial law or sealing of borders ordered by local authorities.

Foreign War

The armed opposition, whether or not declared, between one State and another State, as well as any invasion or siege

Hospitalization

A stay of more than 48 consecutive hours in a public or private hospital establishment for emergency treatment, i.e. treatment that was not scheduled and which cannot be postponed.

Medical condition / accident

A change in health observed by a medical authority, necessitating medical care and complete cessation of all professional activity or other activity.

Family Member

A member of the family means any person who can prove that they are related (in fact or by law) to the Policy Holder.

Pollution

Degradation of the environment by the introduction into the air, water or soil of materials that are not naturally present in the environment.

Usual residence

Usual residence means the place where the Policy Holder is a resident for tax purposes.

Loss

An event likely to result in the application of a guaranty contract.

Subscriber

The policy holder, the natural or legal person who subscribes to the insurance policy, hereafter referred to as "you" in the general terms and conditions.

Subrogation

The legal context wherein one person is subrogated to the rights of another person (in particular: substitution of the Subscriber by the Insurer for the purposes of carrying out proceedings against the adverse party.

Third party

Any person other than the Insured and responsible for the damage.
Any Insured who is subject to consecutive bodily injury, material or immaterial damage caused by another Insured (the Insured are considered as third parties among themselves).

Luggage: guaranteed property

Luggage and its contents, including personal effects and valuables, belonging to the Policy Holder, brought along for the journey and/or acquired during the journey.

Wear (dilapidation)

Depreciation of the value of an item caused by time, use or its conditions of upkeep on the day of the incident. Unless otherwise stipulated in the contract, the factor for wear applied for the calculation of the compensation due is 1 % per month within the limit of 80 % of the initial purchase price.

 

WHAT IS THE GEOGRAPHICAL COVERAGE OF THE CONTRACT?

The guarantees and/or benefits subscribed under this contract apply throughout the world.

WHAT IS THE DURATION OF THE CONTRACT?

The period of validity corresponds to the duration of the services sold by the journey organizer.
In no event may the duration of the guarantee exceed 3 months as of the date of the departure on the journey.

WHAT ARE THE GENERAL EXCLUSIONS APPLICABLE TO ALL OF THE GUARANTIES?

We cannot intervene when your requests for guaranty or services are the result of damages arising from:

  • Epidemics, natural disasters and pollution;
  • civil or foreign war, a riot or a popular movement or strike;
  • the voluntary participation of an insured party in riots or strikes;
  • disintegration of the atomic nucleus or any irradiation resulting from ionizing radiation; 
  • alcoholism, drunkenness, the ingestion of drugs, narcotics, non prescribed medication;
  • any intentional action which may result in the application of the guaranty contract;
  • duals, bets, crimes, brawls (except in the case of legitimate self defence);
  • the practice of the following sports :mountaineering, competitive sleighing, flying sports (with the exception of parasailing) as well as sports practiced in the context of training for, or participation in, official matches or competitions organised by a sporting federation;
  • Suicide and the consequences of suicide attempts;
  • absence of hazard;
  • Insured goods and/or activities when a ban on providing insurance contracts or services is imposed on the insurer due to a sanction, restriction or prohibition provided for by conventions, laws or rules, including those decided on by the Security Council of the United Nations, 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, total or partial embargo provided for by conventions, laws or rules, including those decided on by the Security Council of the United Nations, the Council of the European Union, or by any other applicable national law. It is agreed that this provision will only apply if the insurance contract and the insured goods and/or activities fall within the field of application of the decision of restrictive sanctions, total or partial embargo, or prohibition.

HOW IS YOUR COMPENSATION CALCULATED?

If the compensation cannot be determined by mutual agreement, it is evaluated by joint damage assessment, subject to our respective rights.

Each of us chooses a claims adjuster. If these experts do not come to an agreement, they call on a third claims adjuster and all three work together and based on a majority of votes.

If one of us fails to appoint a claims adjuster or if the two adjusters do not agree on the choice of a third one, the appointment is made by the presiding judge of the superior court, ruling in expedited proceedings. Each of the co-contractors covers the costs and fees of their claims adjuster, and, if necessary, half of the costs and fees of the third claims adjuster.

WITHIN WHAT TIME FRAME WILL YOU RECEIVE COMPENSATION?

Payment is made within two weeks of the agreement between us or of the notification of an enforceable court decision.

WHAT PENALTIES ARE APPLICABLE IN THE EVENT OF AN INTENTIONALLY FALSE DECLARATION MADE BY YOU AT THE TIME OF THE LOSS?

Any fraud, failure to disclose or intentionally false declaration on your behalf with respect to the circumstances or the consequences of a loss shall result in the withdrawal of all rights to services or compensation for such loss.

MULTIPLE INSURANCE POLICIES

In accordance with the provisions of Article L 121-4 of the Insurance Code, when several insurance companies are engaged without fraud for the same risk, each of them produces its effects within the limits of the guarantees of the contract, and in observance of the provisions of Article L 121-1 of the Insurance Code. In this case, the Insured Party must notify all of the insurers.

Within these limits, the Insured Party can contact the insurer of his choice. When they are contracted in a deceitful or fraudulent manner, the sanctions provided for in the Insurance Code (nullity of the contract and damages) will apply.

WHAT ARE THE TERMS AND CONDITIONS FOR EVALUATION OF THE CLAIMS?

In the event of difficulties, first contact your usual Allianz France contact person. If you are not satisfied with his response, you can send your complaint by normal or registered letter to the following address:

Allianz - Relations Clients

Case Courrier BS

20, place de Seine

92086 PARIS LA DÉFENSE CEDEX.

E-mail: clients@allianz.fr

Allianz France subscribes to the mediation guidelines of the French Federation of Insurance Companies. If there is a persistent and final disagreement, you can, after you have exhausted the internal redress approaches indicated above, call on the Mediator of the Fédération Française des Sociétés d'Assurances whose postal address is as follows:

BP 290 – 75425 PARIS CEDEX 09,

without prejudice to other possibilities of legal action.

AUTHORITY RESPONSIBLE FOR THE CONTROL OF THE INSURANCE COMPANY

L’autorité de Contrôle des Assurances et des Mutuelles (ACAM)
61 Rue Taitbout
75436 PARIS CEDEX 09

INFORMATION FOR THE SUBSCRIBER ON THE PROVISIONS OF THE FRENCH DATA PROTECTION AUTHORITY (COMMISSION NATIONALE DE L'INFORMATIQUE ET DES LIBERTES – CNIL)

We inform you that the information gathered is used for processing intended for the management of this request and for the commercial relationship. Some of this processing could be done by service providers in or outside of Europe. Unless you object to it, your data could also be used by your broker whose contact information appears in this document for the purposes of prospection for the insurance products that he sells.

In accordance with the “Computer Files and Liberties” law of January 6, 1978, as modified by the law of August 6, 2004, you benefit from a right of access, modification, rectification, deletion and objection with regard to data concerning you by sending a written request to your broker.

Within the framework of our risk control and anti-fraud policy, we reserve the right to verify all information and if necessary to contact the competent Authorities in accordance with the regulations in effect.

SUBROGATION

After paying you compensation, with the exception of that provided for under the Travel Accidents guarantee, we are subrogated in the rights and actions that you could have against the third parties responsible for the damage, as provided for in article L. 121-12 of the French Insurance Code. 

Our subrogation is limited to the amount of the indemnity which we have paid to you or the services which we have provided.

LIMITATIONS ON THE ACTIONS STEMMING FROM THE INSURANCE CONTRACT

The provisions concerning the statute of limitations of the actions stemming from the insurance contract are set by articles L. 114-1 to L. 114-3 of the Insurance Code indicated below:

Article L. 114-1 of the Insurance Code:

All actions stemming from an insurance contract are lapsed two years after the incident that gave rise to them.

However, this statute of limitations only applies:

1° In cases of concealment, omission, false or inaccurate declaration regarding the risk involved, as of the day on which the Insurer became aware of it;

2° In the event of damages, as of the day on which the parties involved became aware of it, if they prove that they were unaware of it up until then.

When the action of the Insured Party against the Insurer is due to the recourse of a third party, the statute of limitations only starts to run as of the day on which this third party took court action against the Insured Party or was compensated by him. The statute of limitations is increased to 10 years in life insurance contracts when the beneficiary is a person distinct from the Subscriber and, in insurance contracts against accidents affecting people, when the beneficiaries are the assigns of the deceased Insured Party.

For life insurance contracts, notwithstanding the provisions of 2°, the actions of the beneficiary are lapsed at the latest 30 years after the death of the Insured Party.

Article L. 114-2 of the Insurance Code:

The running of the statute of limitations is interrupted by one of the ordinary causes of interruption and by the appointment of experts following an incident. The interruption of the statute of limitations of the action can furthermore result from the sending of a registered letter with return receipt requested sent by the Insurer to the Insured Party regarding the action for the payment of the premium and by the Insured Party to the Insurer for the payment of the compensation.

Article L. 114-3 of the Insurance Code:

As an exception to article 2254 of the Civil Code, the parties to the insurance contract cannot, even by joint agreement, modify the duration of the statute of limitations, nor add to the causes of its suspension or interruption.

Additional Information:

The ordinary causes of interruption of the statute of limitations mentioned in article L. 114-2 of the Insurance Code are listed in articles 2240 to 2246 of the Civil Code indicated hereafter.

For information regarding any possible updates of the abovementioned provisions, please consult the official site “www.legifrance.gouv.fr”.

Article 2240 of the Civil Code:

The acknowledgement by the debtor of the right of the person against whom he applied the statute of limitations interrupts the running of the statute of limitations.

Article 2241 of the Civil Code:

A court action, even one involving expedited proceedings, interrupts the statute of limitations and the foreclosure limit.

The same is true even when it is brought before an incompetent jurisdiction or when the referral to the court is cancelled due to a procedural irregularity.

Article 2242 of the Civil Code:

The interruption resulting from the court action produces its effect until the termination of the proceedings.

Article 2243 of the Civil Code:

The interruption is void if the plaintiff withdraws his petition or lets the proceedings lapse, or if his petition is definitively rejected.

Article 2244 of the Civil Code:

The statue of limitations or foreclosure is also interrupted by a measure of conservation taken in application of the Code of civil procedures for execution or an act of compulsory execution.

Article 2245 of the Civil Code:

The questioning of one of the joint debtors by a judicial action or by an act of compulsory execution or the acknowledgement by the debtor of the right of the person against whom he applied the statute of limitations, interrupts the statue of limitations against all of the others, even against their heirs.

However, the questioning of one of the heirs of a joint debtor or the acknowledgement of this heir does not interrupt the statue of limitations with respect to the other co-heirs, even in the event of a mortgage debt-claim, if the obligation is divisible. This questioning or this acknowledgement only interrupts the statue of limitations, with respect to the other co-debtors, for the share to which this heir is held. To totally interrupt the statute of limitations, with respect to the other co-debtors, there must be questioning of all of the heirs of the deceased debtor or the acknowledgement of all of these heirs.

Article 2246 of the Civil Code:

Questioning of the main debtor or his acknowledgement interrupts the statue of limitations against the guarantor.

COMPETENCIES OF THE COURTS

All disputes between the Policy Holder and the Insurer regarding the terms of application of this contract will be subject solely to French laws and the courts of France are the only courts of competent jurisdiction.

LANGUAGE USED

The language used in the pre-contractual and contractual relations will be French.

FIGHT AGAINST MONEY LAUNDERING

The verifications which we are legally required to carry out as part of the fight against money laundering and the financing of terrorism, particularly for cross-border movements of capital, may lead us at any time to ask you to provide explanations or supporting documents, possibly regarding the acquisition of insured property. In accordance with the Computer Files and Liberties Law of January 6, 1978 modified by the law of August 6, 2004 and the Monetary and Financial Code, you benefit from a right of access to the data concerning you by sending a letter to the National Commission for Computer Files and Liberties (CNIL).

WHAT ARE THE APPLICABLE LIMITS IN CASES OF FORCE MAJEURE?

We cannot be held responsible for breaches in the execution of assistance benefits resulting from cases of force majeure or the following events: civil or foreign wars, widely known political instability, popular uprisings, riots, acts of terrorism, reprisals, restriction on the free movement of people and property, strikes, explosions, natural disasters, the disintegration of atomic nuclei, nor for lateness in the providing of services resulting from the same causes. The other guarantees indicated above are applicable throughout the duration of the journey corresponding to the invoice issued by the organizer with a maximum of 90 days as of the date of the departure for the journey.

SUBSCRIPTION DEADLINE

For the Cancellation guarantee to be valid, this contract must be subscribed simultaneously with the reservation of the journey or before the start of the schedule of cancellation expenses.

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