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Worldwide Travel Options  (2010) ( Castellano )

 

Art 18. Security and legal assistance

 

18.1 If the policyholder has chosen the Non-Medical option, the insurance shall cover payment that can permanently or temporarily release the insured or his / her property from detention by local authorities.

Security is provided as an interest-free loan repayable to the Company immediately after release or on demand.

If the security is seized because the insured fails to pay a fine or compensation that he / she has been ordered to pay, or because the insured does not appear in court, or if the insured is in any other way liable for the seizure, such security shall be deemed to be an interest-free loan repayable to the Company immediately after seizure.

 

18.2 The insurance shall cover legal assistance in connection with legal problems arising during the covered trip. If, during the covered trip, the insured is charged or indicted for a criminal offence, necessary and reasonable attorney fees shall be covered until the case has been decided by a court of the first instance. If the insured is convicted before a court of the first instance for the criminal offence, the insured's attorney fees will be deemed an interest-free loan repayable to the Company on demand. The appointment of a foreign attorney to represent the insured is subject to approval by the Company.

 

18.3 The insurance shall cover the insured's travel expenses if the insured is summoned to appear as a witness or to be examined before a court of law outside the country of permanent residence.

 

18.4 Except for security, see Art 18.1, coverage is subject to a 10% deductible of the total costs, however, not less that USD 500 / EUR 350 / CHF 550 / GBP 280.

 

18.5 Exceptions to cover.

 

The Company shall not be liable to pay reimbursement for expenses which concern, are due to or are incurred as a result of:

 

a) legal issues arising between the insured and the travel agency, tour operator or the travel supplier.

 

b) legal issues regarding contracts, the insured's business, employment or work.

 

c) legal issues relating to family law and the law of succession.

 

d) legal issues arising between the insured and the Company.

 

e) cases not arising during the covered trip.

 

f) litigation regarding liability arising out of the use of motor vehicles, aircrafts or boats.

 

g) de facto compensation, fines or punitive charges.

 

 

 

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Art 19 Trip cancellation option