ACE Europe an Group Limited.
"Le Colisée" 8, avenue de l'Arche 92419 Courbevoie Cedex.
Registered Office - 100Leadenhall street - London EC3A 3BP - SA with a capital of 148,736,000 pounds.
Supervisory Authority: Financial Services Authority, 25 The North Colonnade, CanaryWharf, London, E14 5HS United Kingdom
Direction Générale pour la France "Le Colisée" 8, avenue de l'Arche 92419 Courbevoie Cedex
Company governed by the French Insurance Code - Identification number 450 327 374 R.C.S. Nanterre - APE 660 E.
Information note on the summarised guarantees of contract n°5138048.234 taken out with ACE Europe for the benefit of Reservists.
LOCPLUS CANCELLATION INSURANCE.
PM Conseil Assurances
Insurance advice and brokerage
11, place du Marché Couvert
BP 4
91222 Brétigny sur Orge Cedex.
Téléphone: 01 60 84 75 45.
Télécopie : 01 60 84 52 46.
Courriel : pm-conseil-assurances@wanadoo.fr
Site : http://www.pmconseil.fr
R.C. Evry A 312 509 425 - Siret 312 509 425 00061
Code APE 6672 Z- Orias n°07 000 012.Financial guarantee and Professional Liability Insurance in accordance with Articles L.530.1 and L.530.2 of the Insurance Code.
This contract is represented by the policyholder - 4213 :
AGENCE ARECHES IMMOBILIER
rue Léontine Vibert
73270 ARECHES
Tél. 04 79 38 15 79
Fax 04 79 38 12 01
Courriel : arechesimmobilier@areches-immobilier.fr
a pour objet de garantir :
Definition: the Insured is the person reserving the stay, his/her spouse or partner, their ascendants or descendants, sons-in-law, brothers, sisters or persons mentioned or designated.
LIABILITY COVERAGE :
1 - Risks covered Damage to property as a result of fire, explosion or water damage up to €15,245.
2 - Glass breakage: up to €2,287 including €137 for the cost of temporary fencing. Absolute deductible of €65 per claim
3 - Other damage to the rented property belonging to the owner: up to €2,287 for all claims occurring during the period of the stay. Absolute deductible of 65 € per claim.
4 - Guarantee B of the Special Conventions up to €1,524,490 for each of the tenant's liabilities towards the landlord; up to €457,347 for recourse from neighbours and third parties.
CANCELLATION INSURANCE :
Reimbursement of sums paid and assumption of responsibility for the sums to be paid on the TOTAL price of the accommodation after deduction of the insurance premium, administrative costs and ancillary services, of the rental which the Insured will have to pay in the event of cancellation following one of the following events:
1 - Serious illness, serious injury or death of the Insured,
Serious illness or injury means any alteration of health or any physical injury preventing the Insured from leaving the home or the hospital where the Insured is being treated on the date of departure and justified by a certificate of absence from work or by a medical certificate
specifying the aforementioned prohibition or preventing the practice of the activity, the main purpose of the stay.
Relapses of illnesses or accidents previously recorded are covered provided that the illness or accident has not been the subject of any manifestation in the MONTH preceding the date of booking.
In the case of Illnesses/Accidents involving Cancellation cover, the Insured must allow access to his/her medical file to the company's Medical Examiner; otherwise, no cover will be provided.
2 - Fire, explosion, theft, water damage or a natural event causing significant damage to the Insured's home occurring before his/her departure or during the stay and requiring his/her presence at the place of the loss or in his/her secondary residence or business belonging to him/her.
3 - Inability to take possession of the rented property as a result of redundancy or transfer of the Insured, provided that the date of the event giving rise to this is after the date of reservation.
EXCLUSION: Dismissal for gross misconduct.
4 - Inability to reach the resort by road, rail or air on the day of the start of the stay and in the 48 hours that follow: as a result of roadblocks, strikes, floods or a natural event preventing traffic, certified by the competent authority, traffic accident of the Insured, theft or attempted theft of the vehicle of the Insured.
5 - As a result of the deletion or modification of holiday dates by the Insured's employer, provided that the notification comes after the reservation date.
6 - Prohibition of the site due to pollution or epidemics, natural disasters or forest fires prohibiting the site or the rented premises.
7 - Convocation administrative, convocation médicale, obtention d'un emploi du réservataire ou de son conjoint (ou concubin).
8 - Death or serious accident or illness of the person in charge of the professional replacement of the insured or his/her spouse (or cohabitant) or the care of minor children.
9 - Lack of snow or excess snow:
This guarantee can only be taken into consideration on the basis of a report of total absence of snow published by an approved organisation concerning the resort itself if it is a member, or if it is not, the nearest resort as the crow flies.
It will be established that there is a lack of snow in the winter sports resort of the place of stay, if in the 48 hours preceding or following the date scheduled for the beginning of the rental period, more than 2/3 of the ski runs and lifts of the resort are closed according to the above-mentioned snow report.
This guarantee can only be applied in relation to the official opening dates of the ski area of the resort.
10 - Cancellation by the owner due to death, illness or serious accident of the owner, transfer of ownership following an assignment or sale, damage to the premises preventing the use of the rented premises resulting from fire, explosion, water damage, theft, vandalism,
storms, natural disasters, etc.
IN CASE OF INTERRUPTION OF STAY OR DELAYED ENTRY :
The reimbursement of the price of the stay, the compensation for which will be calculated on a pro rata temporis basis for the period not consumed as a result of interruption due to one of the events listed in the Cancellation guarantee - 1, 2, 3, 4, 5, 6, 7, 8, 9.
SPECIFIC EXCLUSIONS CANCELLATION
It is agreed that the guarantee will not apply in the following circumstances
Illness or accident of which the Insured is aware at the time of booking and which has resulted in treatment during the month preceding the date of booking the rental.
Pregnancy, except for any complications due to this condition, miscarriage, childbirth and its consequences.
For a spa treatment, the need for cosmetic treatment (except following an accident or illness), psychic or psychotherapeutic treatment including nervous breakdown.
Illness or accident due to alcoholism, drunkenness, use of medicines, drugs, narcotics not prescribed medically.
Accident caused by the practice of sports such as aerial sports, bobsleigh, skeleton, rock climbing, ice hockey, motor sports, diving.
COMMUNICATION OF THE CONTRACT :
As the Insurer is only bound by the full text of the contract, the latter may be consulted at the offices of the Policyholder who will make it available for consultation.
- Non-binding document -SARL with a capital of 8000€ - Head office : rue Léontine Vibert - ARECHES 73 270 - RCS N° B 392 024 493 Albertville - Professional card n° 329
