Multi-risk seasonal rental insurance.
Information document on the insurance product.
Company: Aréas Dommages - SIren number: 775 670 466.
Mutual insurance company with defined contributions registered in France and governed by the Insurance Code.
Product: Tranquiloc insurance.
Terms and conditions: https://www.alpesimmobilier.com/child/pdf/ipidareasEN.pdf
Insurance Product Information Document: https://www.alpesimmobilier.com/child/pdf/cgareasEN.pdf
This information document provides you with a summary of the main warranties and exclusions of the product. It does not take into account your specific needs and requests. You will find complete information on this product in the pre-contractual and contractual documentation.
What type of insurance is it?
The Tranquiloc insurance (insurance contract n°01049724) has the primary objective of guaranteeing you in the event of cancellation of stay, interruption of stay and late arrival at the place of stay as well as in the event of damage. caused to the rented property belonging to the owners.
WHAT IS INSURED?
The insured events benefit the Insured within the limits of the ceilings and deductibles appearing in the Cover Table of the Special Conditions.
THE GUARANTEES SYSTEMATICALLY PROVIDED FOR THE TENANT
Formula 1 (basic cover):
- Cancellation (including in the event of a breach linked to COVID).
- Interruption of Stay (including in the event of harm related to
- Late arrival (including in the event of an attack linked to COVID).
OPTIONAL GUARANTEES FOR THE TENANT
Formula 2 (Formula 1 + options):
- Resort civil liability.
- Anti-surprise resulting from a fraudulent transaction or non-compliance of the rented property.
- Object forgotten in the rental.
- Unavailability of the rented property.
- Repair of keys following loss or theft.
OPTIONAL EXTENDED WARRANTY
- Cancellation of treatment.
WHAT IS NOT INSURED?
- Persons not named in the insurance contract,
- Events occurring between the date of registration for the trip and the date of subscription to the insurance,
- Dismissal for serious misconduct of the Insured,
- Depressive state, psychological, nervous or mental illness including nervous breakdown of the Insured, except in the event of hospitalization for more than 3 consecutive days.
ARE THERE ANY COVERAGE EXCLUSIONS?
THE MAIN EXCLUSIONS
- The intentional act of the Insured,
- The absence of hazard,
- Epidemics and pandemics recognized by national or international health authorities unless otherwise stipulated in the Special Conditions and in accordance with the provisions of the COVID Extension,
- Foreign war and civil war,
- Damage, without there having been a fire or explosion, resulting from excessive heat, proximity to or contact with a light or a fireplace, fumes, projections or falling fuel; burns, in particular to linens and clothing; the total or partial destruction of objects that have fallen, been thrown or placed in or on a fireplace,
- The practice of sport on a professional basis,
- Participation in endurance or speed events, on board any motor vehicle for land, water or air locomotion,
- Damage resulting from the consumption of alcohol by the Insured, characterized by the presence in the blood of a pure alcohol level equal to or greater than that set by the regulations of the country visited and governing automobile traffic,
- The use of medication or the use of narcotics not medically prescribed, certified by a competent medical authority.
THE MAIN RESTRICTIONS COMMON TO ALL COVERAGE
An excess may remain the responsibility of the Insured and/or a waiting period, in particular for the "late arrival" guarantee for which a minimum delay period of 24 hours is provided.
WHERE AM I COVERED?
The contract guarantees the Insured in the event of cancellation of stay, interruption of stay and late arrival at the place of stay throughout the world as well as in the event of damage caused to rented property belonging to the owners throughout the world. whole.
WHAT ARE MY OBLIGATIONS ?
Under penalty of nullity of the insurance contract, non-guarantee, termination, reduction of the claim indemnity or forfeiture of the guarantee
When signing the contract
Answer exactly the questions asked by the insurer;
Precisely declare the identity of each Insured;
Pay the contribution due under the contract.
Under contract
Declare by registered letter within 15 days of becoming aware of any new circumstances resulting in aggravating the risks covered or creating new ones.
In case of calamity
Declare any claim likely to bring into play one of the guarantees of the contract under the conditions and time limits and attach all the documents useful for its assessment;
Inform of any guarantees taken out for the same risks in whole or in part with other insurers, as well as any reimbursement that you may receive in respect of a claim.
Declare a claim as soon as you become aware of it and at the latest within 2 working days in the event of theft or 5 working days for any other event (in the event of a natural or technological disaster, the period is extended to 10 days following the publication of the ministerial decree noting this state).
WHEN AND HOW TO MAKE PAYMENTS?
The subscription is payable in advance, in one installment at the time of subscription.
Payment is made by credit card, and must be sent to the insurer, or its representative designated in the contract.
WHEN DOES COVERAGE START AND END?
The insurance contract takes effect on its subscription date and ends on the end of stay date as indicated in the special conditions, subject to payment of the premium.
The contract is concluded for a firm period without tacit renewal.
HOW CAN I CANCEL THE CONTRACT?
The commitment is firm and definitive, without the possibility of termination or right of renunciation for stays lasting less than one month (L.112-2-1-II-3° of the Insurance Code).
However, a right of renunciation is provided for stays lasting more than one month, in accordance with Article L112-10 of the Insurance Code, the Insured who takes out an insurance contract for non-professional purposes, s If he provides proof of previous cover for one of the risks covered by this new contract, he may waive this new contract, without charge or penalty, as long as it has not been fully executed or the Insured does not has involved any guarantee, and within the limit of a period of fourteen calendar days from the conclusion of the new contract. This right does not apply if you declare a covered Claim to the Insurer during this 14-day period.