general conditions · your insurance policy consists of the insurance certificate and these general...

British Airways- July 2020

BRITISH AIRWAYS COMPREHENSIVE Insurance

General Conditions

These are the General Conditions of your insurance and form part of the insurance you have bought. Please also refer to your In-surance Certificate which shows the people who are covered and any special terms or conditions that may apply. How to read the policy conditions?

How to read the policy conditions? Your insurance policy consists of the Insurance Certificate and the General Conditions. The arrangements in the Insurance Certificate will apply first, then the General Conditions will apply in that order. The cover that you have selected from the types of cover specified below are shown in your Insurance Certificate, depending on the option(s) you have chosen and for which you have paid the corresponding Premium. This cover applies to all trips, both private and business travel, for a maximum length of 31 consecutive days, where such trips are sold by the Approved Organisation or intermediary with whom you took out this policy. Please read your General Conditions carefully. These specify our respective rights and obligations and answer any questions you may have.

General Who are we and what can you expect from us?

We are the Dutch branch of AWP P&C SA, which has its registered office in Saint-Ouen, France. We operate under the trading name Allianz Global Assistance Europe.

Our business address is: Our postal address is: Poeldijkstraat 4 PO Box 9444 1059 VM Amsterdam 1006 AK Amsterdam The Netherlands The Netherlands AWP P&C S.A. – Dutch Branch, trading as Allianz Global Assistance Europe, is an insurer licensed to act in all EEA countries and located at Poeldijkstraat 4, 1059 VM Amsterdam, the Netherlands.

AWP P&C S.A. – Dutch Branch, with corporate identification No 33094603, is registered at the Dutch Authority for the Financial Markets (AFM) No 12000535 and is authorised by L’Autorité de Contrôle Prudentiel et de Résolution (ACPR) in France.

We may compensate for damage or loss by:

providing a service and/or;

replacing the insured item or;

providing financial compensation. These General Conditions set out how we compensate for damage or loss and which damage and loss we compensate. How is damage or loss determined and compensated?

When making a claim you must do so fully and truthfully. This enables us to properly determine the damage or loss.

You must retain any original invoices, receipts and any supporting documentation. We may request you to provide these as proof.

If we compensate for damage of an insured item we may request you to transfer the ownership to us. When do we try to recover compensation paid?

Where another person is liable for your damage or loss we are entitled to recover the compensation we paid from that other person.

We may ask you to pay us back any amounts that we have paid to you which are not covered by this policy. When is the insurance taken out not valid?

We only insure individuals who reside in Ireland

The insurance will be invalid if we have previously informed you that we do not want to insure you (anymore). In this case we will refund any Premium paid by you.

If you have not paid the Premium due and on time.

Definitions The following terms may be used in our insurance policies. The list below contains the meaning that shall be given to these terms. Definition of the parties to the policy


INSURED PERSON:

the Policyholder,

Any person or persons covered by the insurance policy as stated in your Insurance Certificate, provided that all persons to be covered by the insurance policy are resident in the relevant geographical area for tax and legal purposes. POLICYHOLDER: the subscriber of the insurance policy who undertakes to pay the insurance Premium. WE/US: AWP P&C S.A. – Dutch Branch, trading as Allianz Global Assistance Europe is the insurance company with which you have

taken out your insurance policy. YOU: the Insured Person.

Definition of insurance terms

ACCIDENT: any sudden, unforeseen event, external to the victim or the damaged item, constituting the cause of the damage.

ACCOMMODATION COSTS: additional hotel costs and cost of telephoning us, following a covered event, excluding all costs for

meals and drinks.

APPROVED ORGANISATION: travel professionals, transport professionals, associations, works councils.

BODILY ACCIDENT: any unintentional bodily injury caused by the sudden action of an external cause.

CLAIM: all damaging consequences of an event falling within the scope of one of the types of cover taken out. All damages

arising from the same initial cause constitute one and the same Claim.

DEPRECIATION: depreciation of an item's value caused by time, use or its current condition on the day of the Claim.

DOCTOR: any person who holds a medical qualification that is legally recognised in the country in which he/she usually carries

out their professional activity. EPIDEMIC: an infectious disease recognized by the World Health Organization (WHO) or an official government authority in your

country of residence or your trip destination. EMERGENCY HOSPITALISATION: a stay of over 48 consecutive hours in a public or private hospital, for an emergency proce-

dure, which is unscheduled and cannot be postponed. ESSENTIAL ITEMS: replacement items of clothing and toiletries required due to the temporary unavailability of your personal

effects.

EUROPE ECONOMIC AREA (“EEA”): The European Union and the following territories: Norway, Liechtenstein, And Iceland.

EXCESS: the share in the damage payable by yourself when the claim is settled. Excess amounts in respect of each type of

cover are specified in the cover and excess amounts table. FLIGHT DELAY: the difference between the departure time stated on the traveller's ticket or trip booking form and the actual time

at which the aircraft leaves its parking stand, and occurring outside of the timetable variation possibilities available to the approved organisation or intermediary as stated in their terms and conditions of sale.

FOREIGN: any country except for Ireland.

FUNERAL COSTS: first conservation costs, handling, placing in coffin, specific arrangements for transportation, conservation

made compulsory by legislation, packaging and simplest coffin required for transportation and complying with local legislation, excluding burial, embalming and ceremony costs.

ILLNESS: any deterioration to your health diagnosed by a competent medical authority.

IMMEDIATE FAMILY: Partner, parents, parents-in-law, children and partners of your children.

IMMOBILISATION: being fully immobilised at home after a visit by a doctor and the issuance of a medical certificate.

INSURANCE CERTIFICATE: summary of covers that you have selected, Insurance Period and Premium you have paid.

INSURANCE PERIOD : This is the duration for which you are covered by this insurance policy as detailed in your insurance

certificate INTERVENTION LIMIT: number of hours of delay, stated in the cover and excess amounts table, above which "Flight delay"

compensation will be paid. LIMIT PER EVENT: maximum amount of cover for a single event giving rise to claims, irrespective of the number of persons insured under the policy. MEDICAL COSTS: medically prescribed pharmaceutical, surgical, practitioner's and hospital costs required for the diagnosis and

treatment of an illness/injury.

NATURAL DISASTER: event caused by the abnormal intensity of a natural agent.

NUCLEAR REACTION: Every nuclear reaction that results in the release of energy, such as nuclear fusion, nuclear fission or

artificial and natural radioactivity. PANDEMIC: an epidemic that is recognized as a pandemic by the World Health Organization (WHO) or an official government

authority in your country of residence or your trip destination. PARTNER: Spouse or person with whom you have cohabitated for at least one year. We reserve the right to request evidence of such cohabitation. PERMANENT DISABILITY: definitive total or partial loss of a person's functional capability expressed as a percentage by refer-ence to the "industrial accident" scale and established by a medical expert. PREMIUM: Amount paid by the subscriber of the insurance policy to benefit from the insurance cover during this policy, which

includes Insurance Premium Tax at the prevailing rate. QUARANTINE: Mandatory confinement, intended to stop the spread of a contagious disease to which you or a travel companion

has been exposed. RELEVANT GEOGRAPHICAL AREA: Ireland


RESCUE COSTS: transport costs after an accident (when you have been found) from the place where the accident occurred to

the nearest hospital. SCHEDULED FLIGHT: scheduled flight made by a commercial aircraft, for which the specific timetable and frequencies comply

with those published in the airline’s official timetable. SEARCH COSTS: cost of operations undertaken by rescuers or rescue bodies, other than your travel companions, who set out

specifically to search for you in a place which does not have any organised rescue services in the vicinity. SERIOUS ACCIDENT: any temporary or permanent injury to your physical integrity, medically diagnosed, requiring the person involved to cease all professional or other activity, and requiring medical care and treatment to be carried out. SERVICE CHARGES: charges levied by the approved organisation or intermediary when booking the trip, which relate to their

preparation of the trip. SUBROGATION: process by which we replace you in respect of your rights and legal actions against any party liable for your

damages, in order to obtain repayment of the sums we have paid you following a claim. TEMPORARY DISABILITY: loss, for a limited period of time, of a person's functional capacity, which, on the day of the cancel-

lation, obliges them to cease all activity, including professional activity, and which gives rise to a diagnosis and care by a doctor with accompanying medical treatment. THIRD PARTY: any natural person or legal entity, except:

The Insured Person,

Members of his/her family,

Persons accompanying him/her during the trip, Salaried or non-salaried employees of the Insured Person, in the performance of their duties.

TIME LIMITATION: period beyond which any claim is time-barred.

TRAVEL COMPANION: is a person travelling with the Insured Person.

Travel Companion could be a member of the Insured Person’s family but not necessarily TRIP: trip or holiday, lasting a maximum of 31 consecutive days, organised, sold or supplied by the approved organisation or intermediary with whom this policy was taken out and where such trip or holiday is due to take place within the period of validity of this policy. VALUABLES: jewels, items made from precious metal, precious stones, pearls, watches, furs, hunting rifles, photographic equip-

ment, filming equipment, computer and mobile telephone equipment, equipment for recording sound and images, as well as accessories to this equipment, objects other than clothes with an individual item value above €500 are considered to be valuables.

WAR: This includes armed conflicts, civil wars, insurrections, disturbances, riots and mutiny.

Territory of your policy The "Assistance to persons" cover applies in the country or countries visited during the trip organised by the policyholder and which are mentioned in the trip booking form. You are also covered when travelling in the Geographical Area relating to your destination country. The other types of cover in your policy apply worldwide.

Cover and excess amounts table

Cover Cover amounts and limits Deductibles/Excesses or intervention limits

Cancellation

As a result of the occurrence of an event provided for in the policy (except those stated below)

Reimbursement of cancellation charges in accord-ance with the scale practised by the Approved Or-ganisation: up to the following limits:

€2,500 per Insured Person,

and €15,000 limit per event, regardless of the number of Insured Persons.

10% of the amount of cancellation charges cov-

ered Minimum 25€ per person

As a result of theft of identity documents 25% of the amount of can-

cellation charges covered, with a minimum of €150,

per insured person

Baggage damage

Loss and/or accidental damage to baggage, per-sonal items and effects

Compensation at replacement value, with a de-duction for Depreciation, up to a limit of:

€1,500 per Insured Person and per Claim The maximum amount of the "Baggage damage" cover, including "Theft of valuables" per Insured Person

Nil

Theft of Valuables Compensation at replacement value, with a de-duction for depreciation, up to a limit of 50% of the "Baggage damage" cover amount, per Insured Person and per Claim


Cover Cover amounts and limits Deductibles/Excesses or intervention limits

Delay over 24 hours in delivering your baggage to your Trip location

Reimbursement of the cost of essential items per Insured Person and per Claim up to a limit of €150

Nil

Assistance to persons

Repatriation assistance:

organising and taking charge of your return to Ireland or transportation to a hospital

organising and taking charge of the return of an insured Travel Companion and minor chil-dren to country of residence

Actual costs Actual costs

None

Hospitalisation:

taking charge of the costs that enable a member of your family to get to you in hospi-tal:

o outward/return journey o cost of accommodation locally until

you are repatriated

taking charge of the cost of a Travel Com-panion's outward/return journey for the return of your minor children

Actual costs Up to a daily limit of €100 until the Insured Person

is repatriated Actual costs

Nil

Medical and hospital costs abroad:

reimbursement of the costs you are responsi-ble for (except dental costs)

reimbursement of emergency dental costs

advance for hospital costs

Up to the following limits, per Insured Person and per Insurance Period: €150,000 €300 €150,000

Nil

Additional costs locally:

additional accommodation costs

costs of transportation to continue the inter-rupted journey

Up to a limit, per day and per Insured Person, of €100 for a maximum of 7 days

Actual costs

Nil

Search costs and/or rescue costs Up to the following limits:

per Insured Person and per event : €2,500

Nil

Assistance in the event of an insured person's death:

transporting the body

funeral costs

additional costs for the transportation of the insured members of the deceased's family or an insured person

Actual costs Up to a limit, per Insured Person of €1,500 Actual costs

Nil

Early return assistance:

organising and paying transportation costs

Actual costs

Nil

Legal assistance abroad:

reimbursement of lawyer's fees

advance for bail

Up to the following limits, per Insured Person and per Insurance Period:

€1,000

€8,000

Nil

"Unforeseen" assistance:

communicating with your family

unforeseen event: reservation of a hotel room, rental car, or air-line ticket

theft of your identity documents, credit cards, travel tickets: advance of funds abroad

Actual costs You are responsible for the costs incurred Advance up to a limit, per insured person and per insurance period / per claim, of €1,000

Nil

Flight delay

Flight delay in relation to the time originally speci-fied on the travel tickets

Compensation, up to the following limits: Per insured person and per cover period: €30

Intervention limit: flight departure over 4 hours delayed

Common exclusions to all types of cover In addition to the specific exclusions stated for each type of cover, we never insure the direct or indirect consequences of the following circumstances and events: 1. civil or foreign Wars, riots, popular movements, strikes, hostage taking, handling of weapon, terrorism; 2. your voluntary participation in gambling, crime or fights, except in the case of legitimate self-defence; 3. any effects of a nuclear origin or nuclear reaction or caused by any source of ionising radiation; 4. your deliberate acts (including but not limited to suicide and attempted suicide) and fraudulent acts; 5. your consumption of alcohol, drugs or any intoxicating substance, not medically prescribed; 6. events for which liability may fall on your travel organiser stipulating the conditions for pursuing the business of organising and

selling holidays or on the carrier, principally for reasons of air safety and/or overbooking; 7. your refusal to board the flight originally planned by the Approved Organisation or intermediary.


8. pandemics, epidemics except as expressly covered under the sections Cancelation, Repatriation Assistance, Medical and

hospital expenses abroad and Assistance in the event of an insured person’s death coverage.

Your policy cover

A. Cancellation § 1 Purpose of the cover

When you cancel your booking, British Airways may hold you responsible for all or part of the cost of the service (cancellation fees), and these cancellation fees could increase as the departure date approaches. The cancellation fees are calculated using a scale of charges specified in the terms and conditions of sale of your Trip. We reimburse you for the amount of the cancellation fees charged to you, after deduction of the excess amount shown in the cover and excess amounts table. § 2 Events covered in relation to a cancellation

Cancellation, notified before your departure and after this insurance policy has been taken out, must be the result of one of the following events, which absolutely prevents you from departing. 2.1 Temporary disability or permanent disability of:

yourself, your spouse or partner, any of your Immediate Family, as well as any of the immediate family of your spouse,

your brother, sister, brother-in-law, sister-in-law, son-in-law, daughter-in-law, father-in-law, mother-in-law, legal guardian and any person placed under your guardianship,

directly resulting:

from an Illness (including being diagnosed with an epidemic or a pandemic disease such as COVID-19) or Accident

(Bodily Accident/ Serious Accident, Immobilisation),

from complications in a pregnancy up to the 28th week of pregnancy, It is the Insured Person 's responsibility to prove all the elements constituting the temporary disability or permanent disability as defined in this policy. If you cannot establish, the occurrence of the temporary disability or permanent disability, at the time of the cancellation, we may reject your claim. 2.2 The death of:

• yourself, your spouse or Partner, your Immediate Family, as well as any of the immediate family of your spouse, • your brothers, sisters, brothers-in-law, sisters-in-law, sons-in-law, daughters-in-law, fathers-in-law, mothers-in-law, legal guard-ian and any person placed under your guardianship,

directly resulting: from an Illness (including being diagnosed with an epidemic or a pandemic disease such as COVID-19)

or Accident (Bodily Accident/ Serious Accident), 2.3 The individual quarantine of:

• Yourself or a travel companion before your trip by order or other requirement of a government or public authority, based on their suspicion that you or a travel companion, specifically and individually, have been exposed to a contagious disease (including an epidemic or a pandemic disease such as COVID-19). This does not include any quarantine that applies generally or broadly to some or all of a population,

vessel or geographical area (such as quarantine of a country, region, department city or part of it), or that applies based on where the person is traveling to, from or through, which are not covered.

2.4 Serious damage to property resulting from:

• a burglary, • a fire, • water damage, • a climate event,

definitely requiring your presence at that location on your scheduled day of departure to secure the property and prevent further imminent damage and which affects over 50% of:

o your main or secondary residence, 2.4 An accident or breakdown of your means of transport, while going to the airport which creates a delay of over two hours, causing you to miss your reserved departure flight, subject to you having made arrangements to arrive at the airport at least

two hours before the boarding deadline time. 2.5 Obtaining a salaried position or paid work placement, taking effect before or during the scheduled dates for your trip, when

you had been registered as unemployed, provided that it is not an extension or renewal of a contract or an assignment provided by a temporary work employer. 2.6 Theft, in the 48 hours prior to your departure, of your identity documents (passport, identity card) essential to pass through

the customs post(s) during your Trip, subject to you taking steps to replace them within 15 days after the theft. Compensation is made after deduction of the specific excess amount stated in the cover and excess amounts table. This excess also applies to those Insured Persons who are booked on the Trip at the same time as yourself.


2.7 Cancellation, for one of the events listed above (articles 2.1 to 2.6), of one or more persons who booked at the same time as yourself and who are insured under this policy, if, as a result of this withdrawal, you are obliged to travel alone or with just two people.

However, for persons who are part of the same residence for tax purposes, the Insured Persons in the residence for tax purposes are covered under the "Cancellation" cover. IMPORTANT:

All of the trip costs covered by this policy, irrespective of whether they are additional or sequential constitute a single trip, which only has one single date of departure: the date stated by the trip's Approved Organisation or intermediary as being the start of the insured services. § 3 Amount covered

We reimburse you up to the amount limits stated in the cover and excess amounts table, for the cancellation charges levied by the Approved Organisation or intermediary, by application of the contract scale shown in their general terms and conditions of sale. Cancellation charges that are levied are refunded to you, up to the limits shown in the cover and excess amounts table, per Insured Person, but not exceeding the limit per event. In respect of flight only arrangements, service charges will be reimbursed, under the same conditions, provided that they form part of the insured amount, declared when you took out this policy. The cost of tips, visas and other expenses, outside of service charges and the premium paid to take out this policy will not be reim-bursed. The amount of our payment is always limited to the costs you would have been charged if you had informed the Approved Organisation or intermediary on the day on which the event occurred. § 4 Cover exclusions

In addition to the exclusions that are common to all types of cover, the direct and indirect consequences of the following circumstances and events are also excluded: 1. any illness already diagnosed or accident that has occurred, or treatment or relapse or worsening or a hospital stay between

the date on which the trip booking was made and the date on which this policy was taken out; 2. unstabilised illnesses or injuries that were diagnosed or treated during the 30 days prior to your Trip booking; 3. Pregnancy and/or its complications, beyond the 28th week, and in all cases, voluntary termination of pregnancy, childbirth in

vitro fertilisation; 4. failing to get vaccinated or take the preventive treatment necessary for your Trip destination; 5. natural disasters occurring abroad, definitely caused by the abnormal intensity of a natural agent; 6. criminal proceedings against you; 7. any event that occurs between the date on which you booked your trip and the date when you took out this policy. § 5 What you must do in the event of cancellation

In the event of a claim, you must notify your Approved Organisation or intermediary of your withdrawal by the quickest methods (fax, telegram, receipted notification, email) when the covered event that prevents your departure takes place.

You must advise us of the claim within five working days of your knowledge of the event, except in the case of exceptional circum-stances or force majeure:

By going on the claim portal provided in your Insurance Certificate

I

We will provide you with the information needed to make your claim statement and you will be required to supply us with any docu-ments and information to serve as proof of the reason for your cancellation and allow us to assess the amount of compensation due to you.

If the reason for your cancellation is medical, if you wish, you may use an envelope marked “Confidential” for the attention of AWP’s medical expert, to send the required medical details.

B. Baggage damage § 1 Purpose of the cover 1.1 Loss and/or accidental damage to baggage, personal items and effects

We cover, up to the amount limits shown in the cover and excess amounts table, the loss of and/or accidental damage to baggage, personal items and effects carried with you or bought during your trip, and resulting from:

partial or complete destruction,

loss during carriage by an airline or other transport company, when the baggage, personal items and effects carried with you or purchased during the Trip have been entrusted to the company,

theft, subject to the specific clauses on theft of valuables contained in article 1.2. Specific cases:

Accidental damage to photographic or video equipment: We cover accidental damage to photographic or video equipment when these articles are damaged at the time when you suffer an accident causing you bodily harm or injury.

Theft from a vehicle: o We cover the theft of articles transported out of sight in the boot, after your car has been broken into between the

hours of 7 am and 10 pm (local time).

o The vehicle must not be a convertible, and must be locked completely, with the windows and sunroof closed. o It is your responsibility to provide proof of the vehicle break-in and proof of the time at which the theft was committed.


1.2 Theft of valuables

We cover, up to the amount limits shown in the cover and excess amounts table, the theft of Valuables that you are carrying on your person, or that you are using or that you have deposited in an individual safe deposit box or in the hotel's safe. 1.3 Delay in delivering your baggage to your Trip location

In the event of your baggage being delayed for over 24 hours following your arrival before delivery to your Trip location , we will reimburse you, after presentation of proof, and up to the ceiling limit shown in the cover and excess amounts table, for the expenses you have incurred in purchasing Essential Items. § 2 Damage assessment and compensation 2.1 Cover amount

Loss and/or accidental damage to baggage, personal items and effects: Cover is provided up to the limit per Insured Per-

son, stated in the cover and excess amounts table, for all Claims arising during the Insurance Period.

Theft of valuables: Compensation in the case of theft of Valuables may not exceed 50% of the amount covered in respect of

"Loss and/or accidental damage to baggage, personal items and effects". Delay in delivering your baggage to your Trip location

In the event of the delayed delivery of your baggage to your Trip location, cover is provided up to the limit stated in the cover and excess amounts table. This compensation is not provided in addition to the cover in respect of "Loss and/or accidental damage to baggage, personal items and effects". In the event of both types of cover being applied as the result of the same event, compensation paid in respect of delayed delivery of baggage to your Trip location will be deducted from the amount due under cover for "Loss and/or accidental damage to bag-gage, personal items and effects".

2.2 Calculation of the compensation amount

The compensation calculation is based on the replacement value of articles of the same type, with a deduction for depreciation and up to the limit amounts stated in the cover and excess amounts table. It is assessed by mutual agreement and may never exceed the amount of the damage suffered, nor does it take indirect or conse-quential damage into account. § 3 If you find the stolen or lost items

If the stolen or lost items are found, you must notify us as soon as you know about it:

if we have not yet made a compensation payment to you, you must recover possession of these items, and if the cover applies, we will then only be responsible for payment for damage or for any missing items;

if we have already paid compensation to you, you can choose to either relinquish or to recover these items and repay the com-pensation amount we have paid you, subject to deduction for damage or any missing items.

However, if you do not ask to recover possession of these items within 15 days from the date on which you were notified that they had been found, we consider that you are opting for relinquishment.

§ 4 Cover exclusions

In addition to the exclusions that are common to all cover, the following are also excluded: 1. theft, damage, destruction or loss:

o as a result of a decision by an administrative body or a prohibition on the transportation of certain items, o occurring while moving home;

2. partial or complete destruction, damage to or loss of valuables of any kind whatsoever, including during their carriage by an airlines or transport company;

3. thefts committed by your staff while carrying out their duties; 4. thefts committed without a break-in or by using duplicate keys; 5. theft of articles that is committed in a public place, when those articles were not under continuous surveillance; 6. damage resulting from the insured item's own inherent defect, its normal wear and tear, or the leakage of liquid, fats, colorants

or corrosive substances forming part of the insured baggage; 7. damage to fragile articles, especially pottery and glass, porcelain or marble objects; 8. items lost, forgotten or misplaced by your own actions or by the actions of your Travel Companions; 9. damage resulting from scratches, grooves, tears or stains; 10. damage resulting from smoking-related accidents; 11. damage caused to:

documents, identity documents, credit cards, magnetic cards, travel tickets, cash, shares and securities, keys,

equipment of a professional nature, sales representatives' product sample collections, goods, medical equipment and drugs, perishable foods, wines and spirits, cigarettes, cigars and tobacco,

all downhill, cross-country and water-skiing kit and equipment (skis, monoskis, surfboards, wakeboards, poles, footwear, etc.), windsurfing boards, golfing equipment, diving bottles, bicycles, paragliders, parachutes, model aeroplanes, boats, car accessories; caravan, camping car, and boat furniture,

musical instruments, crafted objects, antiques, religious objects, collectable items,

video game consoles and their accessories,

clothing and accessories worn on your person,

spectacles (lenses and frames), contact lenses, prostheses and aids of all kinds, unless they are destroyed or damaged at the time of an accident causing serious bodily injury to the insured person,

animals. § 5 What you must do to claim

You must:


In the event of a theft: report the crime within 48 hours, to the nearest police authorities to the crime location.

In the event of complete or partial destruction: obtain a written report of the damage, produced by a competent authority or

the responsible person; or failing this, by a witness.

In the event of loss or partial or complete destruction by a transport company: it is essential to have a report drawn up by

a qualified employee of this company. In all cases, you must:

take all steps so as to limit the consequences of the incident;

advise us of the claim as soon as practicable ;

Contact us:


We will provide you with the information needed to submit your claim and you must send us documents in support of your claim, in particular:

the insurance certificate or a photocopy of it,

the receipt for your crime report,

the damage or loss report drawn up by the transport carrier,

the original invoices for the purchase, or repairs,

photographs (of valuables),

proof of the vehicle break-in.

C. Assistance to persons § 1 Purpose of the assistance services

When you call on us for assistance, decisions regarding the nature, the appropriateness, and the way in which the measures to be taken are organised are the exclusive responsibility of our assistance department. 1.1 Repatriation Assistance If your state of health including being diagnosed with an epidemic or a pandemic disease such as COVID-19 requires you to

be repatriated, we will assist you as follows:

By organising and paying transport costs of your return home or transport to a hospital We organise and pay the cost of your return to your home in Ireland or transport to the hospital which is closest to your home and/or is the most suitable to provide the care required by your state of health. In the latter case, if you wish, we can then organise your return to your home in Ireland as soon as your state of health permits.

By organising and paying transport costs of the return of an insured Travel Companion and minor children We also organise, and pay the costs, once our assistance department have agreed to this, for a trip for an Insured Person who is with you at the Trip location to enable that person to accompany you and/or enable the minor children who were travelling with you to return home if no adult member of your family is present at the trip location with them and if your repatriation takes place more than 24 hours before their originally planned return date.

IMPORTANT:

Decisions are only taken in consideration of your medical interests. Our doctors contact the local medical teams and, if required, your usual medical practitioner, in order to gather the information that will enable the most appropriate decisions in respect of your state of health to be taken. Your repatriation is decided on and managed by medical staff who hold qualifications that are legally recognised in the country in which they usually practise their professional activity. If you refuse to comply with the decisions taken by our assistance department, you discharge us of any liability in relation to the consequences of such an initiative and lose all rights to services and compensation from us. Moreover, under no circumstances can we carry out the role of local emergency services organisations, nor can we pay the cost of expenses thus incurred. Repatriation is subject to the conditions defined in § 4. Scope of our assistance services.

1.2 Hospitalisation

Paying the cost to enable a member of your family to get to your hospital bedside If you are hospitalised during a Trip locally for more than 7 days or more than 48 hours if you are a minor or disabled and

were not accompanied by another adult member of your family during your Trip o we pay the cost of a round trip for a member of your family residing in Ireland to enable them to get to your hospital

bedside; o on presentation of receipts, we refund you, up to the limit amount stated in the cover and excess amounts table, for

the cost of accommodation incurred by that person up to the day when you are eventually repatriated. This service will not be provided if a claim has been made under "Organisation and payment for the return of an insured Travel Companion and minor children" cover.

Paying the costs of a travel companion's round trip for the return of your minor children If you are hospitalised locally when travelling with at least one minor child and no other adult member of your family is present with them, we pay the costs of a round trip for a person of your choice, who resides in Ireland or an AWP attendant to accom-pany the child on their return home in Ireland.

1.3 Medical and hospital expenses abroad

Up to the amount limits stated in the cover and excess amounts table and less the deduction of the excess stated in the same table:


Reimbursement of the costs you are responsible for (except dental costs) If, outside the country where you are resident, you incur medically prescribed medical or hospital expenses, including for the treatment of an epidemic or pandemic disease such as COVID-19 we will reimburse you for the remaining costs payable by

yourself (except dental costs) after any payment(s) made by your basic health insurance body, your health insurance company or any other insurance or provident organisation in respect of such medical and hospital expenses.

Reimbursement of emergency dental expenses

We also reimburse you for the remaining emergency dental expenses payable by you after any payment(s) made by your basic health insurance body, your health insurance company or any other insurance or provident organisation.

Advance for hospital costs In the event of hospitalisation, including for the treatment of an epidemic or pandemic disease such as COVID-19 we can

make an advance for the costs, by direct payment to the hospital up to the ceiling limit stated in the cover and excess amounts table. In this case, you undertake to repay this advance to us within three months of the date of your return Trip After this time, we will be entitled to claim for expenses and interest at the statutory rate in addition.

Our refunds and/or advances cease on the day on which our medical service considers that it is possible for you to be repatriated.

In all cases, you undertake to submit your reimbursement Claim to your basic health insurance body, your insurance company or any other insurance or provident organisation from which you can Claim. 1.4 Additional costs locally

If you receive treatment locally and your state of health does not necessitate repatriation, or if the repatriation takes place after the end date of your originally planned trip, on presentation of receipts, we refund you up to the amount limits stated in the cover and excess amounts table:

Additional accommodation costs:

your additional accommodation costs and those incurred by the Insured Person under this policy who is travelling with you;

costs of transportation to continue the interrupted journey:

the cost of transport that you take to continue the interrupted journey, up to the limit of the amounts we would have paid for you to return to your home in Ireland.

1.5 Search and/or rescue costs

We will refund sea and mountain search and/or rescue expenses incurred per insured person up to the limit stated in the cover and excess amounts table, without exceeding the limit per event amount. In connection with carrying out the adventure activity pursued by you, we will refund search costs and/or rescue costs incurred per insured person up to the limit stated in the cover and excess amounts table, without, however, exceeding the limit per event amount. 1.6 Assistance in the event of an insured person's death In the event of the death of an insured person, including for the treatment of an epidemic or pandemic disease such as COVID-19 we organise and pay the cost of:

transportation of the body from the location where it is placed in the coffin to the burial place in Ireland,

funeral costs, up to the limit stated in the cover and excess amounts table,

additional expenses for the transportation of the Insured Person, travelling with the deceased person, insofar as their originally planned means of returning to Ireland can no longer be used on account of this death.

1.7 Early return assistance

We organise and pay the costs, insofar as the originally planned means for your return journey to Ireland can no longer be used:

either for your return home, and if necessary, for the insured members of your family travelling with you,

or for a round trip for one of the persons insured under this policy and shown on the same policy application form. You can receive this service in the following cases:

in the case of an illness or accident, resulting in Emergency Hospitalisation which commences during your trip and

which, in the opinion of our assistance department is of a life-threatening nature, of your spouse or partner, of one of your par-ents, children, brothers, sisters, your legal guardian, a person for whom you are the guardian and who are not taking part in the trip;

in order to attend the funeral after the death of your spouse or partner, of one of your parents, children, brothers, sisters,

your legal guardian, a person for whom you are the guardian and who are not taking part in the trip and living in the relevant geographical area;

in the event of damage to property as a result of a burglary, fire, water damage or weather event, making your presence at

the location essential to implement conservation measures and administrative action, and affecting over 50% of: your main or secondary residence,

1.8 Legal assistance abroad

Reimbursement of lawyer's fees

When a legal action is commenced against you, we reimburse you for your lawyer's fees, on presentation of receipts and up to the ceiling limit stated in the cover and excess amounts table, insofar as:

o the lawsuit is not related to your professional activity, o the lawsuit does not relate to using or keeping a motor vehicle, o the actions with which you are charged are not, under the legislation of the country in which you are staying, subject to

criminal penalties.


Advance for bail

If you are imprisoned or threatened with imprisonment, provided that the proceedings in which you are involved are not a result of

o trafficking of drugs or intoxicating substances, o your participation in political movements, o any voluntary infringement of the laws of the country in which you are staying,

we will advance you, up to the limit shown in the cover and excess amounts table, the legally required amount of bail. In this case, you have three months from the date on which the sum was deposited to repay us for this advance. After this time, we will be entitled to claim expenses and legal interest at the statutory rate in addition.

1.9 "Unforeseen" assistance

Communicating with your family

If you are unable to contact your family, if you can manage to contact us, we will endeavour to relay your urgent messages to them.

Unforeseen event

In the event of an unforeseen event (strike, plane being diverted, accident or illness not requiring your medical repatriation) that modifies your planned Trip, we take all steps to reserve a hotel room or rental car or flight ticket for you. You are responsible for the costs incurred.

Theft of your identity documents, credit cards, travel tickets

If your identity documents, credit cards and/or travel tickets are stolen: o we can advise you of the steps to take; o we can assist by making the necessary stop or cancellation requests if you send us a fax authorising us to do so; o if you no longer have any means of payment:

we grant you a funds advance for an amount not exceeding the limit stated in the cover and excess amounts table,

we organise for you to return or to continue your Trip, the costs incurred being payable by you. In this case, you have three months from the date on which the funds were made available or your return date to re-pay us for this advance or the expenses incurred by us on your behalf. After this time, we will be entitled to claim for expenses and interest at the statutory rate in addition.

§ 2 Cover exclusions For all assistance cover:

1. your travel against your home country’s government advice or against local authority advice at your trip destination. 2. expenses incurred without the prior approval of our assistance department ; 3. the consequences of pre-existing illnesses or injuries, diagnosed and/or treated, which required a continuous stay in hospital or

a one-day hospital stay or outpatient treatment in the 6 months prior to the assistance request; 4. the consequences of an unconsolidated disease t being treated and from which you are still convalescing, as well as any ail-

ments occurring during a trip taken for the purpose of diagnosis and/or treatment; 5. the eventual results (check-up, additional treatment, recurrence) from an ailment which previously gave rise to a repatriation; 6. No repatriation due to the consequences of ailments / accidents or minor injuries that can be treated at the location; 7. the consequences of ailments / accidents or minor injuries that can be treated at the location; 8. the consequences of pregnancy including its complications, beyond the 28th week, and in all cases, voluntary termination of

pregnancy, childbirth, in vitro fertilisation and their consequences; 9. the consequences:

o of exposure to biological agents, o of exposure to chemical agents of a combat gas type, o of exposure to incapacitating agents, o of exposure to neurotoxic agents or agents with residual neurotoxic effects,

which require a quarantine period or specific preventive or monitoring measures by the local and/or national health authorities of the country in which you are staying;

10. your participation in any sport practised as a professional or under a paid contract, in addition to preparatory training; 11. your failure to comply with official prohibitions and your non-compliance with official security rules, related to the practice of a

sports activity; 12. the consequences of an accident that occurs when you are taking part in an air sport (including hang-gliding, paragliding, glid-

ing) or one of the following sports: skeleton, bobsleigh, skijump, roped mountain climbing, rock climbing, scuba diving, pot-holing, bungee jumping, parachute jumping;

13. expenses not expressly mentioned as giving rise to a refund, in addition to the cost of meals and any expenses for which you are unable to produce a receipt.

In addition, under the "Medical and hospital costs abroad" cover, the following are excluded:

14. the cost of thermal spa treatment, heliotherapy, slimming treatments, rejuvenation cures, and all kinds of "comfort" or beauty treatments, physiotherapist's costs;

15. the costs of implants, prostheses, artificial aids and optical costs; 16. vaccination expenses; 17. the cost of treatment or care not resulting from a medical emergency; 18. the cost of treatment or care, the therapeutic nature of which is not recognised by legislation. § 3 What you must do to claim

3.1 To request assistance

You must contact us or get a third party to contact us as soon as your situation is expected to involve early return or expenses that fall within the scope of our cover.


Our services are available to you 24 / 7:

by telephoning the number provided in your Insurance Certificate

You will be immediately assigned a case number and we will ask you to:

tell us your policy number,

give us an address and telephone number where we can contact you and the details of the people who are assisting you,

allow our doctors to access all your medical information or the medical information for the person needing our assistance. 3.2 For a refund claim

In order to receive a refund of expenses advanced by yourself with our approval, you must provide the receipts that will enable us to consider your claim. Services which have not been requested in advance and which have not been organised by us do not entitle you to a refund or a compensation payment.

3.3 To cover the cost of transport

When we organise and pay the cost of transport as part of our cover, this will be 1st class train travel and/or economy class flights or by taxi, depending on the decision taken by our assistance department. In this case, we take ownership of the original tickets and you undertake to return them to us or to refund us with the amount you have managed to obtain as a refund from the organisation that issued these tickets. When you did not originally have a return ticket, we ask you to refund the amount you would have paid, in any case for your return on the basis of 1st class train tickets and/or economy class air tickets, at the time of your planned return, from the company with whom you made the outward journey. § 4 Scope of our assistance services

We act in compliance with national and international laws and regulations and our services are subject to obtaining the necessary approval from the competent administrative authorities, and taking into account potential travel restrictions & exceptional regulatory restrictions in force. Moreover, we cannot be held liable for delays or hindrance to the performance of the agreed services as a result of a case of force majeure or events such as strikes, riots, popular movements, restrictions on free circulation, sabotage, terrorism, civil or foreign Wars, the consequential effects of a radioactive source or any other exceptional circumstances.

D. Flight delay § 1 Purpose of the cover

If your flight is delayed, we pay compensation according to the limits shown in the cover and excess amounts table. Our cover only applies when the flight delay is over 4 hours in relation to the originally scheduled departure time for any scheduled flight included in the published timetables for which the times are shown on the air ticket or given to the Insured Person by British Airways. § 2 Cover exclusions

In addition to the exclusions that are common to all cover, the delays as a result of the following are also excluded: 1. temporary or permanent withdrawal of an aircraft ordered by airport authorities, government authorities, civil aviation authorities

or any other authority, when this is announced over 24 hours before your trip departure. 2. missing the flight on which you had a confirmed booking, for whatever reason; 3. for flights which you had not previously confirmed, unless you were prevented from doing so by a strike or force majeure event; 4. not being allowed to board, because of failure to respect the time limit for booking in baggage or for presenting yourself for

boarding; § 3 What you must do in the event of delay You must advise us of the claim as soon as practicable:


If you fail to meet this deadline and we incur increased costs or expenses due to your delay in notification, you lose all rights to compensation.

We will provide you with the information needed to make your claim statement and you will be required to supply us with any docu-ments and information to serve as evidence of the reason for the delay to the transport and allow us to assess the amount of com-pensation due to you, in particular:

the insurance certificate or a photocopy of it,

a statement drawn up by the carrier, specifying the reason and the length of the delay you suffered and confirmation that you had booked your journey, as well as your original boarding card,

your tickets,

Administrative provisions


Procedures for taking out cover, when it takes effect and its termination

The policy must be taken out:

for the Cancellation cover: on the same day as the booking or within 2 working days (Monday – Friday) of the booking, at the latest;

for all other cover: by the day before your departure, at the latest. Cover takes effect:

for the Trip Cancellation cover: at 12 noon on the day after the Premium has been paid.

It ends at the start of your Trip;

for the "Assistance to Persons" cover: as soon as you have left your home (maximum of 48 hours before the date of depar-

ture) and, at the earliest at 12 noon on the day after you have paid the Premium. It terminates when you have returned to your home, and at the latest, 48 hours after the return date;

for all other cover: at midnight on the day of departure and, at the earliest, at 12 noon on the day after you have paid the Pre-

mium. Cover terminates at midnight on the day of your return

If the cancellation cover is triggered, the policy will come to its end and other type of covers cannot be used. Rules International sanctions

This policy may not provide any cover or benefit to the extent that either the cover or benefit would violate any applicable sanction, law or regulations of the United Nations, the European Union, United States of America or any other applicable economic or trade sanction, law or regulations. We decline Claims to persons, companies, governments and other parties to whom this is prohibited under national or international agreements or sanctions. Require assistance?

If you require assistance you should contact the emergency centre, which can be reached 24 hours a day.

The emergency centre will insofar as practicable, provide the required assistance as soon as possible. This will be done in mu-tual consultation with you. It may be that government regulations or other circumstances render this impossible.

Assistance that you have arranged for yourself is your responsibility.

The emergency centre is not liable for the acts and omissions of others. Multiple insurances

If you are entitled to compensation under another insurance policy, public scheme or obligation arising from a law or a regulation then we will not compensate you under this policy;

We will, however, compensate you for the damage not covered by the other insurance policy, public scheme or legal obligation arising from a law or a regulation;

This limitation does not apply to payments in the event of death and/ or disability by an accident;

If we do compensate you for damage or pay costs up front at your request, you assign your right to compensation under an-other insurance policy, public scheme or any legal obligation arising from a law or regulation to us.

False declaration and non-disclosure

You must provide complete and accurate information during the application process and when making a Claim. We may not provide assistance or compensation if you intentionally or carelessly provide us incorrect information when taking out the insurance policy or when making a Claim. This includes failure to cooperate in the settlement of the Claim or failing to pass on important information or changes. Amendments and termination

Option to withdraw

You have a right to withdraw from this policy in certain circumstances. Please refer to your insurance certificate for further information. When can we terminate the insurance?

We may be entitled to terminate the insurance policy or to change the terms of the policy if you:

have misled us through dishonesty or incomplete information when taking out the insurance policy;

have purposely misrepresented or failed to disclose the facts when submitting a Claim;

have committed fraud, cheated or deceived us. In the event that we choose to terminate or to change your insurance policy we will notify you in writing. Subrogation in your rights and actions

In consideration for the payment of compensation and, up to its limit amount, we become beneficiaries of the rights and actions that you have or are entitled to against anyone liable for the Claim. If, by your act, we are no longer able to perform this action, we can be discharged of all or part of our obligations towards you. Damage assessment

The causes and consequences of the incident are assessed by mutual agreement and failing this, by jointly agreed damage assess-ment, subject to our respective rights. Each of us appoints an expert. If the appointed experts do not agree, they appoint a third expert: the three experts work in common on a majority vote basis. If one of us fails to appoint their expert or the two experts are unable to agree on the selection of the third expert, the appointment shall be made by the presiding judge of the court in whose jurisdiction the policyholder is domiciled.


This appointment shall be made on a written request signed by us or by just one of us, the other having being summoned by registered letter. Each party pays the fees and expenses of their own expert and half of the fees of the third expert, if appointed. Claim settlement period

As soon as your case is complete, compensation will be paid within 10 days following the agreement between us or following an enforceable court ruling. What to do if you have a complaint?

If you have a complaint please get in touch with us, in the first instance. If you are not satisfied with our solution you may have a right to submit the complaint to your local complaints authority. Please see your insurance certificate for further details. Governing law

Your insurance policy is subject to the law of the country of Ireland


We care about your personal data AWP P&C S.A. Dutch branch trading as Allianz Global Assistance Europe (“we, “us” “our”), a part of Allianz Partners Group, is the Dutch authorised branch of AWP P&C SA, an insurance company authorized under French law , providing insurance products and services [on a cross-border basis]. Protecting your privacy is a top priority for us. This privacy notice explains how and what type of personal data will be collected, why it is collected and to whom it is shared or disclosed. Please read this notice carefully.

1. Who is the data controller?

A data controller is the individual or legal person who controls and is responsible to keep and use personal data, either in paper or electronic files. AWP P&C S.A. Dutch branch is, as defined by relevant data protection laws and regulations, the Data Controller in regard to the

personal data that we request and collect from you for the purposes detailed in this privacy notice.

2. What personal data will be collected?

We will collect and process various types of personal data about you as follows: During the purchase process of our products, we will request you, the following personal details:

Personal Information of the policyholder:

Surname, first name

Gender

Identification Document number (Identity card number, passport number,..)

Age/Date of birth

Contact details (address, email address, phone number)

Residency

Nationality

IP address

Bank account details

Personal details of the insured persons:

Surname, first name

Identification Document number (Identity card number, passport number,..)

Age/Date of birth If any of the events covered by the policy occurs and you or any of the insured people submit a claim to Us, We can request, collect and process additional personal information when relevant to the claim, as well as documents supporting it, such as:

Details of the claim (e.g. travel booking details or references, details of expenses, visa details, etc)

Phone number and contact details if not provided previously

Details of a third person to contact with in case of emergency

Nationality

Occupation

Previous and/or current employment or business activities

Location data

Signature

Voice

Family details (e.g. marital status, dependants, spouse, partner, relatives,…)

IP address of the claimant if the claim is submitted by our available portals

Depending on the claim submitted, We could also collect and process "sensitive personal data" about you, rest of insured persons, even third parties concerned by the event covered, for example:

Medical conditions (physical or psychological)

Privacy Notice


Medical history and reports

Medical claims history

Documentation justifying sick leaves and duration

Death certificates

Criminal convictions and offences (e.g.in case of requiring legal assistance)

Results of Criminal checks relating to prevention of fraud and/or Terrorist Activities

Bank account details

Tax code

By purchasing this insurance policy, you commit to give the information contained in this Privacy Notice to any third party whose personal information you may provide to Us (e.g. other insured persons, beneficiaries, third parties involved in the claim, third persons to contact in case of emergency, etc), and you accept not to provide that information otherwise.

3. How will we obtain and use your personal data?

We will collect and use the personal data that you provide to us and that we receive about you (as explained below) for a number of purposes and with your express consent unless applicable laws and regulations do not require us to obtain your express consent, as shown below:

Purpose Is your express consent required?

Insurance contract quotation and underwritting No, to the extent these processing activities are neces-sary to perform the insurance contract to which you are party and to take the necessary steps previous to enter in this contract

Insurance contract administration (e.g., claims handling, han-dling of complaints, necessary investigations and assess-ments in order to determine the existence of the covered event and the amount of the compensations to be paid, or the kind of assistance to be provided, etc)

We will request your express consent on the occasion of claims requiring necessarily the processing of the fol-lowing categories of data: racial or ethnic origin, politi-cal opinions, religious or philosophical beliefs, trade un-ion membership, genetic or biometric data, health, sex life or sexual orientation, criminal convictions or of-fences However, we will be entitled to process these data with-out consent if (1) there is a vital interest of the owner of the data or any other natural person, and (2) if the owner of the data is not physically or legally capable to give the consent (e.g emergency situations)

If the handling of the claim does not require the pro-cessing of those categories of data, we will not be re-quired to collect your consent, to the extent that they are necessary to comply the obligations We undertake in the insurance contract.

To conduct quality surveys about the services provided, with

the purpose to assess your level of satisfaction and to im-

prove them.

We have a legitimate interest to contact you after han-

dling a claim or after providing assistance to ensure we

have complied our obligations under the contract in a

satisfying way for you. However, you have the right to

object by contacting us as explained in section 9 be-

low.

To meet any legal obligations (e.g. those arisen from Laws

on insurance contracts and insurance business activities

regulations on tax, accounting and administrative obliga-

tions)

No, to the extent these processing activities are ex-

pressly and legally authorized.

Fraud prevention and detection, including, when appropriate, for example, comparison of your information with previous claims, or checking of common insurance claims filing sys-tems.

No, it is understood that the detection and prevention of fraud is a legitimate interest of the Controller, therefore We are entitled to process your data for this purpose without collecting your consent.

Audit purposes, to comply with legal obligations or internal policies

We can process your data in the framework of internal or external audits either required by law, or by internal policies. We won't request your consent for these pro-cessing to the extent that they are legitimated by the applicable regulations or our legitimate interest. How-



ever, we will ensure that only the strictly necessary per-sonal data are used, and treated with absolute confi-dentiality. Internal Audits are usually conducted by our holding company, Allianz Partners SAS (7 Rue Dora Maar, 93400 Saint-Ouen, France)

To perform statistical and quality analysis on the basis of ag-gregated data, as well as claims rate

If we carry out any of these processing activities, we will do in by aggregating and anonymizing data. After this process, the data are not considered "personal" data anymore and your consent is not required

To administer debt recoveries (e.g. to claim the payment of the premium, to claim third parties liabilities, to distribute the compensation amount between different insurance compa-nies covering the same risk)

No when the processing of your data , even special cat-egories of personal information (racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, genetic or biometric data, health, sex life or sexual orientation, criminal convic-tions or offences) may be necessary for the establish-ment, exercise or defence of legal claims, which is also our legitimate interest.

To inform you, or permit Allianz Group companies and se-lected third parties to inform you, about products and services we feel may interest you in accordance with your marketing preferences, You can change these at any time by the links we will make available in every communication to unsubscribe, by mean of the options in your client portal, where available, or by con-tacting us as specified in section 9 below.

We will process your personal information for these pur-poses only if authorized by law (and within the limita-tions and by complying the requirements of those legal authorizations) or by collecting your express consent af-ter providing you information about criteria we use to make the profiles and the impact/consequence and benefits of such profiling for you.

To personalize your experience on our websites and portals (by presenting products, services, marketing messages, of-fers, and content tailored to you) or by using computerised technology to assess which products might be most suitable for you. You will be able to modify these processing activities by using the options available in your browser (e.g. in the case of use of cookies and similar devices) or by contacting us as speci-fied in section 9 below.

We will ask for your consent

For automated decision making, i.e., to make decisions that (1) are based solely on automated processing and (2) that may have legal or significant effects to you.

Examples of automated decisions resulting in legal effects could be the automated cancellation of a contract, or auto-mated denial of a claim, those affecting your rights under the insurance contract, etc Example of automated decisions resulting in similar signifi-cant effects are those that affect to your financial circum-stances like an automated denial of an insurance policy, or those affecting your access to our health assistance services.

We will collect your consent for this processing activities when applicable, in particular if the data concerned are special personal data (racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, genetic or biometric data, health, sex life or sexual orientation, criminal convictions or offences)

If no special categories of personal data are concerned and these decisions are in order to underwrite your in-surance and/or process your claim we will not need to obtain your express consent.

To redistribute risks by means of reinsurance and co-insur-ance

We can process and share your personal information with other insurance or reinsurance companies with whom we have signed or we will sign co-insurance or reinsurance agreements.

Co-insurance is the coverage of the risk by several in-surance companies by mean of a single insurance con-tract, assuming each of them a percentage of the risk or distributing the coverages between them. Reinsurance is the "subcontracting" of the coverage of part of the risk in a third reinsurance Company. How-ever, this is an internal agreement between Us and the



reinsurer and you don't have a direct contractual rela-tionship with the latter. These distribution of risks are legitimate interest of In-surance Companies, even usually expressly authorized by law (including the sharing of personal data strictly necessary for it)

As mentioned above, for the purposes indicated above, we will process personal data we receive about you from business partners, providers, other insurance companies, insurance intermediaries and distributors (travel agencies, tour operators, manufacturers,…), healthcare assistance services or contact persons you authorize, fraud prevention agencies, advertising networks, analytics provid-ers, search information providers, surveyors, lawyers, finance companies

We will need your personal data if you would like to purchase our products and services. If you do not wish to provide this to us, we may not be able to provide the products and services you request, that you may be interested in, or to tailor our offerings to your particular requirements.

4. Who will have access to your personal data?

We will ensure that your personal data is processed by our staff confidentially, on a need-to know basis, and in a manner that is compatible with the purposes indicated above. For the stated purposes, your personal data may be disclosed to the following parties who operate as third party data controllers:

Public authorities, other Allianz Partners and Allianz Group companies (e.g. for audit purposes), other insurers, co-insurers, re-insur-ers, insurance intermediaries/brokers, banks, third parties collaborators and partners participating in the provision of the services (such as healthcare services and professionals, travel agencies, airlines, taxi companies, repairers, fraud investigators, lawyers), independent experts, etc.

For the stated purposes, we may also share your personal data with the following parties who operate as data processors, i.e., processing the data under our instructions, and subject to the same obligations of confidentiality, need-to-know and compatibility with the purposes described in this Privacy Notice.

Other Allianz Partners or Allianz Group companies, or third companies acting as subcontractors of internal activities (e.g. providers of IT support and maintenance, tax management companies, companies providing claims handling services, postal providers, docu-ment management providers), technical consultants, surveyors (claims, IT, postal, document management);

Advertisers and advertising networks to send you marketing communications, as permitted under local law and in accordance with your communication preferences. We do not share your personal data with non-affiliated third parties for their own marketing use without your permission.

Finally, we may share your personal data in the following instances:

In the event of any contemplated or actual reorganization, merger, sale, joint venture, assignment, transfer or other disposi-tion of all or any portion of our business, assets or stock (including in any insolvency or similar proceedings; and

To meet any legal obligation, including to the relevant ombudsman if you make a complaint about the product or service we have provided to you.

5. Where will my personal data be processed?

Your personal data may be processed both inside and outside of the European Economic Area (EEA) by the parties specified in section 4 above, subject always to contractual restrictions regarding confidentiality and security in line with applicable data protection laws and regulations. We will not disclose your personal data to parties who are not authorized to process them. Whenever we transfer your personal data for processing outside of the EEA by another Allianz Group company, we will do so on the basis of Allianz’ approved binding corporate rules known as the Allianz Privacy Standard (Allianz’ BCR) wh ich establish adequate protection for personal data and are legally binding on all Allianz Group companies. Allianz’ BCR and the list of Allianz Group com-panies that comply with them can be accessed here https://www.allianz-partners.com/allianz-partners---binding-corporate-rules-.htmlWhere Allianz’ BCR do not apply, we will instead take steps to ensure that the transfer of your personal data outside of the EEA receives an adequate level of protection as it does in the EEA. You can find out what safeguards we rely upon for such transfers (for example, Standard Contractual Clauses) by contacting us as detailed in section 9 below.

6. What are your rights in respect of your personal data?

Where permitted by applicable law or regulation, and within the scope therein defined, you have the right to:

Access your personal data held about you and to learn the origin of the data, the purposes and ends of the processing, the details of the data controller(s), the data processor(s) and the parties to whom the data may be disclosed;

Withdraw your consent at any time where your personal data is processed with your consent;

https://www.allianz-partners.com/allianz-partners---binding-corporate-rules-.html

https://www.allianz-partners.com/allianz-partners---binding-corporate-rules-.html


Update or correct your personal data so that it is always accurate;

Delete your personal data from our records if it is no longer needed for the purposes indicated above;

Restrict the processing of your personal data in certain circumstances, for example where you have contested the accuracy of your personal data, for the period enabling us to verify its accuracy;

Obtain your personal data in an electronic format for you or for your new insurer; and

File a complaint with us and/or the relevant data protection authority. You may exercise these rights by contacting us as detailed in section 9 below providing your name, email address, account identifi-cation, and purpose of your request.

7. How can you object to the processing of your personal data?

Where permitted by applicable law or regulation, you have the right to object to us processing your personal data, or tell us to stop processing it (including for purposes of direct marketing). Once you have informed us of this request, we shall no longer process your personal data unless permitted by applicable laws and regulations. You may exercise this right in the same manner as for your other rights indicated in section 6 above.

8. How long do we keep your personal data? We will retain your personal data only as long as they are necessary for the purposes informed in this Privacy Notice, and deleted or anonymized when no longer required. Here below we inform you some of the retention periods applicable to the purposes informed in section 3 above. However, please be aware of , sometimes additional specific requirements or events may override or modify them, such as ongoing legal holds over relevant information, or pending litigation or regulatory investigations, which may supersede or suspend these periods until the matter has been closed, and the relevant period to review or to appeal has expired. In particular, retention periods based on prescription periods for legal claims can be interrupted and stat to run again

Personal information to obtain a quotation (when necessary) During the validity period of the quotation provided Policy Information (underwriting, claims handling, management of complaints, litigation cases, quality surveys, fraud preven-tion/detection, debt recoveries, co-insurance and re-insurance purposes,…)

We will keep the personal information of your Insurance Policy during the validity period of your Insurance contract and the pre-scription period determined by the local applicable laws on in-surance contracts. In case We realize of information omitted, false or inaccurate in the declaration of the risk to be covered, the above retention periods would count from the moment We are aware of it.

Claims Information (claims handling, management of com-plaints, litigation cases, quality surveys, fraud prevention/detec-tion, debt recoveries, co-insurance and re-insurance purposes)

We will retain the personal information you provide to us or we collect and process according to this privacy notice for the prescription period determined by the local applicable laws on insurance contracts.

Marketing information and related profiling We will keep this information whilst you insurance policy period is still valid, and one additional year, unless you withdraw your consent (when required), or you object (e.g. in the event of mar-keting activities authorized by law you don't want to receive). In these cases we will no longer process your data for these purposes, although we may be legitimated to keep some infor-mation to prove the previous processing activities were lawful.

Debt Recoveries We will retain those of the personal that we need to claim and administer debt recoveries, and that you have provided to us, or we may have collected and processed in accordance with this Privacy Notice, for a minimum term determined by the prescrip-tion periods set up by applicable laws. As a reference, for civil actions, we will keep your data for a minimum of 7 years

Supporting documents to provide evidence of compliance with legal obligations such as tax or accounting

We will process in these documents the personal data you pro-vide to us, or we collect and process according to this Privacy Notice, only to the extent they're relevant for this purpose, and during a minimum of 10 years from the first day of the relevant tax year

We will not retain your personal data for longer than necessary and we will hold it only for the purposes for which it was obtained.

9. How can you contact us?

If you have any queries about how we use your personal data, you can contact us by email or post as follows: AWP P&C S.A. Dutch branch

Data Protection Officer PO Box 9444 1006 AK Amsterdam The Netherlands


Email: [email protected] You can also use these contact details to exercise your rights, or to submit your queries or complaints to other Allianz Partners entities acting as controllers (see section 4 above) to which we may have shared your personal data. We will address them your request and support their handling and answer to you in our local language. 10. How often do we update this privacy notice?

We regularly review this privacy notice. We will ensure the most recent version is available on our www.allianz-assistance.nl/privacy/ and we will tell you directly when there’s an important change that may impact you. This privacy notice was last updated in April 2018.

mailto:[email protected]

http://www.allianz-assistance.nl/privacy

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