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Cover and benefits (In accordance with the Danish Contracts Act)
INDEX
COVER AND BENEFITS
Policy conditions
Art 12. Baggage
12.1 If the policyholder has taken out the supplementary cover for baggage, the Company shall reimburse the insured for the following items: Baggage, cash, tickets, traveller's cheques, credit cards, securities and passports.
Baggage is defined as suitcases, clothing, toiletries, books, photo equipment, mobile phones and laptops. Baggage for commercial use, including travellers' samples, dealers' stocks and collections, are not covered. Bicycles, sports equipment and accessories hereto are not covered.
Reimbursement for any individual object may never exceed 50% of the insurance sum. The maximum reimbursement for photo equipment and jewellery amounts to 50% of the insurance sum.
12.2 Baggage will be covered up to 100% of the coverage limit in the following cases:
a) fire, robbery, theft from a locked hotel room, a locked home abroad or a locked safety box,
b) theft, observed shen being committed, of valuables carried on or by the insured,
c) theft from a boot or locker that is separate from the passenger compartment of a locked motor vehicle or boat,
d) loss of registered baggage (proof of registration must be provided). Compensation cannot be paid sooner than 1 month after the loss.
12.3 Cash, tickets and securities are covered by up to 10% of the insurance sum, however, only in case of:
a) fire, robbery, theft from a locked hotel room, a locked home abroad or a locked safety box,
b) theft, observed when being committed, of valuables carried on or by the insured,
c) theft from a boot or locker that is separate from the passenger compartment in a locked motor vehicle or boat.
12.4 Reimbursement for the insured's lost valuables is calculated according to the following principles:
a) the insurance coveres the replacement cost of comparable new items, if they are less than 2 years old (proof must be provided),
b) for items more than 2 years old, purchased second-hand or already damaged, reimbursement will be fixed at the replacement cost of comparable new items less a fair deduction for deterioration due to age, wear and tear, reduced usability or any other circumstances. This also applies to items for which no documentation of age and value can be provided,
c) the Company is entitled, but not obliged, to provide reimbursement in kind,
d) coverage for film, video and tape recordings and the like is limited to the cost of the raw materials,
e) the insurance covers the costs of replacing tickets, traveller's cheques, credit cards, securities and passports.
The costs include necessary transport charges, fees, photos, etc, but not reimbursement for the time involved in replacing the items.
12.5 The insurance does not cover:
a) forgotten, lost or mislaid items,
b) theft of baggage which is not effectively supervised,
c) theft from an open and / or unlocked motor vehicle, caravan, trailer, hotel room, holiday apartment, house or boat,
d) theft from a motor vehicle, caravan or trailer, hotel room or holiday residence which does not bear visible signs of forced entry, including theft where access was obtained by means of a correct or a false key,
e) any loss connected with the abuse of credit cards or traveller's cheques,
f) loss of baggage which is freighted separately,
g) any indirect loss.
12.6 The Company is only liable to pay reimbursement if the insured items are handled and stored safely, and if the insured moreover exercises due care.
12.7 Any theft or robbery must be reported to the nearest police authority. If, in exceptional circumstances, it is not possible to notify the relevant local authority, for instance due to imminent departure, the Company must be notified as soon as possible following the insured's return home.
| Telephone | (+34) 91 8043802 |
| Mobile | (+ 34) 609 522 300 |
| Fax | (+ 34) 91 8032484 |
| saniprof@mail.ddnet.es |