Go to page 18 of the PDF file for English | Privileged Legal Information (2023)

Go to page 18 of the pdf to see the English

travel insurance

Document with information about the insurance product

Company: AWP P&C S.A. – Dutch branch doing business as Allianz Travel Europe, with company number 33094603, registered with the Netherlands Authority for Financial Markets (AFM) under number 12000535 and authorized by L'Autorité de Contrôle Prudentiel et de Résolution (ACPR) in France.

Product: Stena Line European travel insurance

This document is a summary of important information about the insurance product and does not take into account your specific requirements and needs. Full terms can be found in the insurance policy, which you should read carefully to ensure you have the coverage you need. Full pre-contractual and contractual information is included in the documents related to Stena Line.

What kind of insurance is it?

A zero deductible applies.

What does it cover?

✓emergency medical expenses- Actual cost of hospitalization, repatriation, additional travel and accommodation expenses. Up to DKK 7,500 for summons and escort expenses, up to DKK 15,000 for funeral expenses, and up to DKK 1,500 for dentist expenses for pain relief if you get sick or injured while traveling.

✓Travel guarantee and reduction of your trip- Up to DKK 30,000 for the loss of prepaid travel and accommodation expenses if you cancel your trip. If you are or may be hospitalized

If you leave your place of residence on medical advice during the trip, you will receive a daily allowance (DKK 150). Up to DKK 1,125 for prepaid excursions that you cannot use due to illness or injury.

✓Personal money and valuable documents-bis

DKK 3,000 in cash, access and travel cards in case of loss or theft during the trip. An allowance of DKK 200 per person.

✓lost passport- Up to DKK 2,500 to cover the cost of obtaining temporary travel documents and refund of the balance if the passport is lost.

✓I lost the game- Up to DKK 30,000 for additional transportation or accommodation costs to continue your trip if you miss your outbound or return trip.

✓late check out- Up to DKK 900 for delay in the trip to or from the point of departure. Compensation is calculated according to the duration of the delay of at least 2 hours.

✓personal responsibility- Up to DKK 3,000,000 in expenses for damages caused to third parties or their property (including whereabouts on your trip if it is not your property, family member or friend). An allowance of 1,000 DKK per person.

✓court costs- You have to pay up to DKK 100,000 in court fees to have a lawyer handle a court case if you are sued and the charges against you do not fall under the criminal laws of the country in question. An allowance of 1,000 DKK per person.

✓Damage to the rented vehicle- Up to DKK 10,000 per booking with Stena for the excess charged by your rental company if your rental car is damaged or stolen during the rental period.

Optional travel assistance coverage- Up to DKK 1,500 per request for towing service or on-site repair and up to DKK 550 per night (up to 2 nights) for additional stays.

What does it not cover?

🗶Claims for which you cannot provide sufficient proof.

🗶More than the maximum redemption limits (and minimum limits, if applicable) specified in each section.

🗶A loss not directly covered by the terms of the policy, such as

🗶Engaging in activities where there is an increased risk of personal injury, unless we have given our consent to do so.

Are there any restrictions on coverage?

!Only Danish residents are insured.

!Claims related to existing medical conditions

may be exempt if diagnosed or unstable in the 2 months prior to policy payment.

!Return tickets do not cover a booked trip of more than 45 days or the period purchased (whichever is shorter).

!In the case of single tickets, a trip booked for more than 14 days is only insured for the first 14 days.

!Rentals booked for more than 31 days are not covered.

!General exclusions apply to the entire policy and each section contains exclusions specific to that section. For example, claims caused by: war, terrorism, epidemics, pandemics, your criminal or fraudulent activities, alcohol or drug use, cyber risk.

This is travel insurance that covers you for various events during your trip such as: Covered events are described in the text of the policy.

Where am I insured?

✓Europe (country mentioned in the policy glossary)

You are not covered if you book travel to a country or region where the Department of State, the World Health Organization (WHO), or any government or other official authority has advised against all travel or travel that is not strictly necessary. Assistance cannot be provided in war zones or countries listed by the insurer as exempt.

What are my obligations?

To avoid having your policy canceled and claims reduced or denied, you must:

By contracting this policy

- Provide the insurer with relevant, truthful and complete information that allows it to underwrite

Be sure,

- Provide the insurer with supporting documents if necessary,

- Pay the entire premium.

When the insurance is in force

- The Insured must notify the Insurer as soon as possible of any change that may affect the coverage.

In case of complaint

- if the insured person contacts the insurer for the purpose of claiming the damage immediately after the damage has occurred in accordance with the conditions and provides the insurer with all the documents for the settlement of the claim,

- Inform the insurer in case of double insurance and inform the insurer if the insured has received payment from another insurer for all or part of the claim.

When and how do I pay?

You must pay your full insurance premium for coverage to apply. All coverage is void if payment is not made in full or if

rejected or the insurance is terminated.

The premium can be paid using one of the payment methods made available by the insurer.

When does coverage end?

The start and end dates of your insured trip will appear on your insurance receipt email.

For return tickets:Insurance coverage for all routes begins at the beginning of the trip and ends at the end of the trip. Unless you are unable to complete your trip as planned due to death, injury or illness, or your reserved transportation is unavoidably delayed, all coverage will expire on the cancellation date specified in your insurance receipt email. In these circumstances, we will extend coverage free of charge until you can reasonably complete your trip.

For a single ticket:Coverage for all Episodes begins at the start of your trip and ends at the end of your trip or 14 days later, whichever comes first. All coverage begins on the start date shown on your proof of insurance and ends on the expiration date shown on your proof of insurance, unless you are unable to complete your trip as planned due to death, injury or illness, or if your booked transport is delayed and this cannot be avoided. In these circumstances, we will extend coverage free of charge until you can reasonably complete your trip.

How can I cancel the contract?

If your coverage does not meet your requirements, please notify Stena Line (x00 00 000 000 orxxxxxxxxx.xx@xxxxxxxxx.xxx) within 14 days of paying your premium and receiving the insurance receipt email.

Your premium will be refunded unless your coverage has expired, you have filed a claim, or you intend to file a claim. In this case there will be no refund.

Please note that your right of withdrawal expires after this 14-day period.

With an insurance period of 1 month or less, you can only cancel the insurance the day before the trip.

Ref: I.STN.DK-08/21 Viagens

Data Protection

We process your personal data

AWP P&C S.A. – The Dutch branch (“we”, “us”, “our”), part of Allianz Partners SAS, is a licensed insurer offering insurance products and services across national borders. Protecting your privacy is a high priority for us. This privacy notice and the types of personal information collected explain why it is collected and with whom it is shared or shared. Please read the disclaimer carefully.

1. Who is responsible for the treatment?

A data controller is the natural or legal person who controls and is responsible for the storage and use of personal data in paper or electronic files. We are the controller of personal data related to your insurance, as defined by relevant data protection laws and regulations.

2. What personal data is collected?

We collect and process the following personal data from you: name, identity document, address, place of residence, date of birth, gender, nationality, telephone number, email address, bank details, medical details, passport details, place of travel and the results of the detection of fraud and sanctions.

Medical information is processed when we assist you in the event of hospitalization, serious accident or death. If necessary, the service team may request personal information from the insured person, family members or other relevant persons. They may share this information with people who are under medical treatment.

3. How do we collect and use your personal data?

We collect and use the personal information you provide to us and that we receive about you (as explained below) for various purposes and with your express consent, except where applicable laws and regulations do not require us to receive your express consent Obtain consent as shown below continuation :

As stated above, for the above purposes, we process personal data we receive about you from public databases, third parties such as brokers and partners, other insurers, fraud prevention and credit reference agencies, analytics providers, research, and appraisers. , auditors and appraisers. , mediators, delegated authorities, lawyers.

For the above purposes, for which we indicate that we do not need your explicit consent, we process your personal data based on our legitimate interests and/or to comply with our legal obligations. For example, if treatment is required:

We need your personal data if you wish to purchase our products and services. If you choose not to provide these to us, we may not be able to provide you with the products and services you request and in which you may be interested, or tailor our offerings to your specific needs.

4. Who has access to your personal data?

We ensure that your personal data is processed in a manner compatible with the purposes set out above. For the above purposes, your personal data may be communicated to third parties acting as data controllers, such as B.: Authorities, other Allianz Group companies, other insurers, reinsurers, insurance intermediaries/brokers and banks.

For the aforementioned purposes, we may also share your personal data with parties that act as data processors in accordance with our instructions, such as companies that carry out operations (claims, IT, mail, document management).

Finally, we may share your personal information in the event of any proposed or actual reorganization, merger, sale, joint venture, transfer, or other arrangement involving all or any portion of our business, assets, or stock (including during bankruptcy or similar proceedings). ) . .

5. Where is my personal data processed?

Your personal data may be processed both within and outside the European Economic Area (EEA) by the parties listed in Section 4 above, always subject to contractual restrictions on confidentiality and security in accordance with

applicable data protection laws and regulations. We do not pass on your personal data to

Third parties not authorized for treatment.

When we transfer your personal data to another Allianz Group company for processing outside the EEA, we do so on the basis of Allianz-approved binding corporate rules known as the Allianz Privacy Standard (Allianz BCR), which provide an adequate level of protection for the protection of personal data and that is legally binding for the companies of the Allianz Group. The Allianz BCRs and the list of Allianz Group companies that comply with them can be found herewww.allianz-socio.

com/allianz-partners---binding-corporate-rules-.htmlWhere Allianz's BCRs do not apply, we will take steps to ensure that transfers of your personal data outside of the EEA receive an adequate level of protection as in the EEA. You can find out what safeguards we rely on for such transfers (for example, standard contractual terms) by contacting us as set out in Section 9 below.

6. What rights do you have in relation to your personal data?

If permitted by applicable law or regulation, you have the right to:

• Obtain access to the personal data stored about you and learn the origin of the data, the purpose and the purpose of the processing, detailed information about the data controllers, the data processors and the parties to whom the information may be disclosed,

• Withdraw your consent at any time when your personal data is processed with you

approval,

• update or correct your personal information so that it is always correct,

• Delete your personal data from our records when they are no longer necessary for them.

purposes listed below,

• Restrict the processing of your personal data in certain circumstances, eg. if you have objected to the accuracy of your personal data, for a period that allows us to confirm its accuracy,

• Receive your personal information electronically for you or your new insurer and

• File a complaint with us and/or with the relevant data protection authority.

You can exercise these rights by contacting us as set out in Section 9 below and giving us your

Name, email address, identification, policy number and the purpose of your request.

7. How can you oppose the processing of your personal data?Where permitted by applicable law or regulation, you have the right to object to the processing of your personal data or to tell us that we must stop the processing.

(including for direct marketing purposes). Once you have informed us of this request, we will no longer process your personal data, except as permitted by applicable laws and regulations.

You can exercise this right in the same way as your other rights listed in Section 6 above.

8. How long do we store your personal data?

We retain your personal data for seven years from the date the insurance relationship terminated or the date the claim was paid or settled, unless a longer retention period is required or permitted by law.

We do not keep your personal data for longer than necessary and we only keep it

for the purposes for which they were obtained.

9. How can you contact us?

If you have any questions about how we use your personal information, please contact us at

Email or letter as follows:

AWP P&C S.A. – Data Protection Officer Netherlands Branch Postbus 9444

1006 Y Amsterdam

Email:xxxxxxx.xx@xxxxxxx.xxx

10. How often do we update this privacy policy?

We periodically review this privacy policy. We make sure that the latest version is available on our websitexxx.xxxxxx-xxxxxx.xxx/X0X/XX/XX/Datenschutzrichtlinie.pdfand we will notify you directly if there is a material change that may affect you. This privacy statement was last updated on June 5, 2020.

important contact details

Customer service:(for questions about your travel insurance)

Email:xxxx-xxxxxx.xxxxxx@xxxxxx-xxxxxxxxx.xx.xx

24-hour emergency medical care:(in medical emergencies or if you need to shorten your trip)

Telephone:x00 00 00 00 00

Email:xxx@xx.xxxxx.xxx

24 hour roadside assistance:

Telephone:x00 00 00 00 00

Claim:

Telephone:x00 00 00 00 00

Email:xxxxxx.xxx@xx.xxxxx.xxx

AWP P&C S.A. – The Dutch branch operating as Allianz Travel Europe is an insurer licensed to operate in all EEA countries

y beliggende Xxxxxxxxxxxxx 0, 0000 XX Xxxxxxxxx, Xxxxxxx.

AWP P&C S.A. – Dutch branch with company number 33094603

is registered with the Netherlands Authority for Financial Markets (AFM) under number 12000535 and is authorized by L'Autorité de Contrôle Prudentiel et de Résolution (ACPR) in France.

Ref: P.STN.ES-08/21 Viagen

with optional roadside assistance

Travel insurance Stena Line Allianz Travel

x00 00 00 00 00

xxx@xx.xxxxx.xxx police number

These general terms and conditions apply from August 17, 2021

A

Important

This policy is only available to residents of Denmark. Not all pre-existing conditions are covered. See page A3.

A maximum of five passengers are insured by one policy.

Be sure to read this policy and take it with you when you travel.

A

Content Important information about your insurance policy

Page Important information about your insurance A1

Coverage Summary A2

A3 health exceptions

General exceptions A4

Sport and leisure activities A5

Akutmedicinsk dognaasistencia A5

Mutual health agreements A5

Notice of complaint A6

make a claim A7

Section 1 - Emergency Medical Expenses and Associated Expenses. . A8-A9

Section 2 - Travel Guarantee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A10-A11

Section 3 – Money and personal assets A12

Section 4 – Loss of Passport A13

Stage 5 - Game lost A14

Section 6 - Late Check Out A15

Section 7 - Personal Responsibility A16

Section 8 - Legal Costs A17

Section 9 - Damage to Rental Vehicles. . . . . . . . . . . . . . . . . . . . . A18-A19 Section 10 - Roadside Assistance (optional) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A20-A21 Legal and regulatory information. . . . . . . . . . . . . . . . . . . . . . A22-A23 Glossary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A24-A25

thanks for thatVonTake out Allianz travel insurance.

your report

VonProof of insurance shows coverage,VonHe chose,coverage area, the insured and the special conditions that result from application. Please read it carefully.

AndVonpaid the insurance premium, the insurance is valid inthe insurance periodin accordance with these Conditions up to the maximum amount specified in the "Summary of Coverage".HeComplaints are processed bythe claims adjuster.

Certain words have a special meaning and are highlightedfedwritten throughout the policy. The full meaning of these words is explained in the "Glossary" at the end of this policy or in the section in which they appear.

your duty

Vonwill take all reasonable precautions for your protectionyourselfmiVONproperty and rightexcavation, LikeVonis not insured.VonYou must take all reasonable precautions to minimize any potential claim.

if there is such a thingVonI don't understand or yesVonI want help, I need helpVonCall Falck Global

Help withx00 00 00 00 00or send an email toxxxxxxx.xxx@xx.xxxxx.xxx

Misrepresentation and non-disclosure of information

VonYou must provide complete and accurate information during the application process and whenVoncomplained that's not rightviprovides assistance or pays for damages ifVonintentionally or recklessly provide us with false information ifVonPurchase insurance or file a claim. This includes failure to cooperate in determining the claim or failure to disclose material information or changes.

Transfer of your rights

SevipayHerequirement, it will bevithe beneficiary in connection with any claim,VonYou may be liable to others for the same costs.

Sehave lunchActions mean thatviyou can no longer sue someone else who caused the same costsviRight to reject in whole or in partHeclaims against us. YeahviPayHerequirements, hasvithe right to demandexcavationto refund all payments to us,viFinished.

right of withdrawal

SeVONcoverage does not meet your needs, you shouldVonNotify Stena Line (x00 00 000 000oxxxxxxxxx.xx@xxxxxxxxx.xxx) within 14 days of payment of theVONDelivery and reception ofVONInsurance document.

VonThe price will be refunded unlessVonmade, a claim has been made or an event has occurred that may give rise to a claim, in which case no refund can be expected.

RealiseVONThe right of withdrawal no longer applies after this first period of 14 days.

choice of law

Unless otherwise stated, Danish law applies. In the event of a dispute regarding this policy, the Danish courts will have jurisdiction.

Coverage Summary

The following table shows the maximum amountvipays for the respective supply area.Unless otherwise noted, the benefits and exclusions listed in each section apply to allinsured.VonPlease read the rest of this policy booklet for details of all conditions and exclusions.

health exemptions

These apply to "Section 1 - Costs of emergency treatment and related expenses" and "Section 2 -

travel guarantee.

It is very important that you read and understand the following:

1 ofYou are not covered for claims arising from illness if it has arisen

Diagnosed within 2 months of insurance payment.

2 ofnot covered for unstable illness claims* 2 months prior to insurance payment. *Contains,NOYou do not need to have experienced any changes inVONMedication, did not have routine medical appointments or complementary controlsVONDisease.

3 ofnot covered unlessVonit is travel friendly and efficientVONplanned

Travel.

4 ofis not insured ifVontravel, possiblythe doctorsad,or whenVonit would have been bad advice,conVonhad appliedthe doctorsTips before you startyour trip.

5 ofis not insured ifVonVon,NOVonrequire medical treatment or consultation at a medical facility during treatmentyour trip.

6 ofis not insured ifVonhad some undiagnosed symptoms whereVonpending investigations or investigations or results of investigations and if the underlying cause has not been established.

7 out ofis not insured ifVonTravel for special purpose, a

Surgery, procedure or hospital treatment or subsequent complications.

Seviis incapable of concealing a disease, it means thatVonand all other insuredoperating system, are not covered in connection with related claims caused directly or indirectly by the disease (or diseases).

Anyone who is insured withoperating system, you will continue to be covered for other unrelated illnesses that occur thereafterVonboughtVONInsurance Policy and other summaries of coverage in accordance with these Terms of Insurance.

supervision

MaximumPr. reservarefers to the maximum total quantity,vipays for all named peopleVONConfirmation of insurance and that you have taken out insuranceoperating system.

In certain sections ofVONpolice mustVonPayaown risk. That is what it meansVonis responsible for paying the first part of the claim for eachinsured, for each section, for each claim. the amount thatVonhave to pay, isthe franchise.

General exceptions

These exclusions apply to your entire policy.

1 VIwill not pay claims caused directly or indirectly by:

a xxdid not exactly answer the questionsvitucked inexcavationat the time of contracting this policy and wherehave lunchthe answer may have influencedouroffer decisionexcavationthis policy

BWar, invasion, hostility, hostilities (with or without declaration of war), civil war, civil commotion, rebellion, revolution, insurrection, use of military force, coup, terrorism, or weapons of mass destruction (for example, nuclear weapons , chemical or biological weapons).

with youdislikeyour tripor do not want to travel.

ofmakes a false claim. In such cases it may bevireport the case to the police.

miThe consequences ofVONDependence on alcohol, solvents or drugs or their consequencesHe

long term abuse.

to youis under the influence of alcohol, solvents or drugs or the likeVonas a consequence of the consumption of these substances (with the exception of medications prescribed by aDoctor, but not for substance abuse treatment).

it's youdoes not follow the advice or recommendations of the Department of State, the World Health Organization (WHO) or any public or official body. This includes recommendations for specific vaccinations and other preventive measures (for example, malaria pills).

it's youyou participate in a sports or leisure activity that is listed as uninsured (see page A5).

in themleavethe supply areawhat is specified inVONInsurance document.

xcommits suicide, injuriesyourselfor unnecessary delaysyourselfby a risk (unless

Vontrying to save another person's life).

k youengages in any illegal, malicious or criminal activity (including whenVonis under the influence of alcohol) orVonviolates local traffic laws.

Vonrides a motorcycle unless the driver has a proper and valid driver's license, andVon, zVONAll passengers wear helmets.

METROFly on a plane unlessVonYou are a passenger on a fully certified airliner.

norteChanges in Exchange Rates.

areProperty is stored, seized, destroyed or damaged by order of a

government official or customs official.

PAGIonizing radiation or radioactive contamination by nuclear fuel or nuclear waste, or

Risk of nuclear power plants.

qepidemic or pandemic.

RA device or computer program that does not work properly, eitherVonown or not

s Cyber-Risk.

2Viwill not pay for damage that was covered by another insurance policy. YeahVonhave more than one insurance that coversexcavationfor the same loss, you mustVonJust send the review

for a company and provide details of any other insurance for that company. They will contact someone else who would have organized the event to contribute to the cost.

3Vidoes not pay for damage that is not directly covered by these insurance conditions (for example, loss of income due toVonyou are unable to work due to illness or injury during this periodyour trip, or change of locks, if necessaryVonseñorhave lunchChaves).

4Vidoes not pay any claims whereVoncannot obtain the necessary documents

holdHeComplaint (see “Report a Complaint” on page A6).

sports and leisure activities

The following activities are not insured:

- Participation in a sporting activity if the organizer's guidelines are not followed.

- all sports activities that require membership in a club,

- All professional sports activities,

- All forms of running except walking, resp.

- Any type of winter sports activity.

24-hour emergency medical care

acute medicine aid

OurAn experienced, multilingual healthcare team provides a complete overview

emergency and you can help in the following ways.

• Liaise with hospitals and otherdoctorswhat processedexcavation,

• MonitorVONtreatment withourmedical consultants,

• Contactsyou doctorConfirmVONhistory, if any

• Make sure hospital and doctor bills are covered everywhereVonhave a legitimate claim

• Make sure the family ortravel companionsto be informed,

• Arrange travel and accommodation for a companionexcavation(if clinically necessary),

• Decide and organize the most suitable, practical and sensible shipping method.You at homearound. This is usually done by regular air or road transport, but if clinically necessary, an air ambulance or taxi with trained medical escorts will be arranged.VIcan fix that tooVonHe is in a hospital in Denmark.

Mutual Health Plans

The European Health Insurance Card (The Blue Card)

• The blue card givesexcavationRight to medical treatment at a reduced (or free) price, underHeResidence in a country of the European Economic Area (EEA) or in Switzerland. The EEA consists of the countries of the European Union (EU), as well as Iceland, Liechtenstein and Norway.

• It is important to have the blue card and travel insurance. The blue health card is therefore importantVonin some cases it will treat them faster, in others they will waitVonpay a deposit before processingexcavation, YeahVonI don't have a blue card. Insurance is important because

blue health insurance card gives onlyexcavationRight to the same medical treatment as citizens of that countryVonVisit. The blue health card does not cover the cost of medical treatment in a hospital or private clinic, nor the cost of oneVONrepatriation to Denmark.

•VonYou can apply for the blue card online atxxx.xxxxxx.xxor callx00 00 00 00 00.

Report a Complaint – Sections 1 to 9

claims service

Complete and submit the damage report with all the information and documents,virequested as soon as possible.

For all reviews, we require the following:

•VonReservation invoice(s) and travel documents showing the date and time of travel.

• Original invoices and receipts for all cash expenses madeVonPay.

• Original receipts or invoices.

• Information about all other insurance companies thatVonmay have and that can cover the same damage, for example, household insurance or private health insurance.

• Support as much documentation as possibleHeclaim.

Reporting a Complaint – Section 10

make a claim

VIalways strives to provide first class serviceexcavation. however to knowvithat sometimes things can go wrong and there may be times whenVonI feel thatvidid not offer this service. In this case it will beviInformation requestoperating systemlooked likevicanourbetter solve the problem.

Write to:

Complaints Department

Asistencia global de Falck Xxxxxxxxxxxxx 00

2450 Copenhagen SW Denmark

The e-mail:xxxxxx.xxx@xx.xxxxx.xxxwith "COMPLAIN" as subject.

To help with the Falck global support processVONcomplaint as quickly and efficiently as possible, you mustVoninformHeName, address, telephone number, policy number and claim reference, and attach copies of relevant correspondence.

SeVonIf you are not satisfied with the way a complaint has been handled, you should do so.Vonwrite to:

Insurance Complaints Appeal Board Xxxxxxxxxxxxx 0

1572 Copenhagen Denmark

Section 1 - Emergency Medical Expenses and Associated Expenses

If you are hospitalized or think you need to go home early or have a long trip, you should tell us right away. Telephone x00 00 00 00 00.

✓What is your coverage?

VIpayexcavationoVONPersonal representative for the following urgent and unexpected expenses, possiblyVondie, get injured, have an accident or get sickyour trip.

- Treatment

• Reasonable costs for medical and surgical services, drug costs, hospitals, nursing facilities, or nursing services.

- Give back

• Actual cost ofVONRepatriation to Denmark if medically necessary or for the transportation ofHeCorpse for Denmark yesVondie downyour trip.

- Additional travel and accommodation

• Actual cost of additional travel and lodging forexcavation, if clinically necessary.

- Summoned and escorted

• bis7,500 danish kronerfor additional travel and accommodation for one person joiningexcavationor to travel

excavationfrom Denmark when clinically necessary.

- Dentist

• bis1,500 danish kronergenerally for emergency dental treatment to relieve acute pain.

- Funeral expenses

• bis15,000 Danish kronertotals forhave lunchFuneral expenses or cremation in case ofVondies outside the borders of Denmark. Shipping costs includedVONAshes to Denmark in case of cremation.

• Any medical condition listed under “Health Exclusions” on page A3.

• The price of:

- Services or treatments thatvidid not agree and that in his opinionDoctorwhat processedexcavationoourmedical advisers (or both), may wait untilVonhouse in denmark,

- treatments not directly related to the disease or injury that caused the accident,

- Taxi rides and phone calls (including calls to mobile phones),

- Food, drinks and car rental unless otherwise agreedoperating system,

- A single room or a private room unless it is accepted byoperating system,

- Travel and accommodation of a higher level than originally bookedyour trip, unless oil passesoperating system,

- Travel and accommodation for more than one person staying with youexcavationor travel to be withexcavationfrom Denmark, if clinically necessary

- Repurchase of medications thatVonit is alsoVonbeganyour trip,

- Services or treatments thatVonsheep in denmark,

-VONFuneral or cremation in Denmark, the

- in an emergency, unnecessary dental work, replacement or repair of dentures or artificial teeth (eg crowns) or work with precious metals.

🗶What is not covered

• Any claim whereVondo not takeVONare taking prescription drugs or following vaccinations or other preventive measures (for example, malaria pills) as recommended by:

-you doctor, beforeVonTravel,

- ÖDoctorwhat processedexcavation, masculineVontraveled

- The Ministry of Foreign Affairs, the World Health Organization (WHO) or any agency or other official body.

• Expenses related to the pregnancy, except in the case of complications or premature labor (more than 8 weeks before).VONlast term).

Please read the general exceptions on page A4, which also apply.

🛈Special conditions and notes on section 1

• This is not private health insurance and only covers emergency medical treatment in an emergency.Vonhave an accident or contract an unexpected illnessyour trip.

• With the written permission ofexcavationoVONpersonal representative, goviContactyou doctorConfirmVONhelpful medical historyoperating systemwith the processing of a complaintVIyou can also prayexcavationsubmit to a medical examination or request an autopsy, ifVONTod.

• Aidoperating systemwith the collection of all paymentsvicreated in accordance with this Policy, you mayvisleepexcavationabout givingoperating systeminformation and fill out formsVIYou can also file a claimHename (but forourCost).

• Seourmedical advisors believe it is medically necessary to sendYou at home, ovidecide how this is most appropriate, practical and appropriate. This is usually done on scheduled flights or on the street, if clinically necessary an ambulance or taxi flight with trained medical escort will be arranged.VIcan fix that tooVonHe is in a hospital in Denmark.

• ÖDoctorwhat processedexcavationcreate a certificate confirming thisVonit's good enough for travel.

Otherwise, airlines may refuse to transport a sick or injured person.

• SeVonrefuses treatment or refuses to travel homeHecountry of origin whenDoctorwhat processedexcavationmiourmedical advisors agreeVonit's good enough to travel so payviwithout additional cost or expense, and all corresponding guaranteesTravelends unlessviagree otherwise.

• In case of discrepancy betweenourconsult doctors andDoctorwhat processed

excavation, requests forvifor an impartial medical opinion.

🗊What we need when you file a complaint

• Your medical documentationDoctorwhat processedexcavation, which confirms the disease or injury and the treatment performed.

• Original invoices and receipts for all medical treatment and other expenses incurredVonpaid or ready to pay.

• General information listed in the “Report a Complaint” section on page A6.

Section 2 - Travel guarantee

If you think you have to go home early, you must tell us right away. Telephone x00 00 00 00 00.

✓What is your coverage?

VIprovides this coverage if any of the following necessary and unavoidable circumstances occur

occurs:

shortening your trip

SeVonshortenyour tripfor death, serious injury or serious illnessexcavation, zrelativeof unofellow traveler, payviBis30,000 Danish kronerI pr person toVONunused portion of personal accommodation, transportation fees, excursions, and other paid or contracted travel expenses that cannot be otherwise reimbursed.

Restriction due to medical indication during the trip

VIpay150 danish kronerper day (up to50 in diameter,but no more thanhave lunchOriginalTravelcosts), possiblyVonNot admitted to hospital,tiedVONtravel accommodation or you will be asked to refrainhave lunchplannedTravelActivities (for example, a trip, swimming or sunbathing) on ​​the advice of the treating doctorDoctordue to injury or illness thatVonattackexcavationSobyour trip.VIalso pay150 danish kronerper day for onefellow traveler(who are insured under this policy) remain withexcavationconVonbecomes as described above when attachedA)is medically necessary orB)conVonare 11 years old or younger.

excursions

VIpay up1,125 danish kronerfor unused slips or order costs, If youyou cannot participate in a prepaid tour on the advice of the attending physicianDoctoras a result of injury or illnessVonattackexcavationSobyour trip.

• Any medical condition listed under “Health Exclusions” on page A3.

• Something that the company or person whoVonreservedper dayin (or their representatives), are responsible.

• More than the minimum market value of tickets or equivalent tickets, ifVonOriginally purchased with airline reward points or similar programs to earn points.

• Claims related to pregnancy, except in the case of complications or premature delivery (more than 8 weeks beforeVONlast term).

In "Shorten your trip"

• By shorteningYour trip,unlessviI agreed

• Costs ofexcavationArrivegrandedue to illness or injury, whenVonI did not get a medical certificate from him.Doctor, who treatsexcavationstating that this was medically necessaryVondomaingrandemiviagreed with that.

• Costs ofVonmay return home as a result of aRelativeCondition if the serious condition or final prognosis was known before the game.

• The price ofhave lunchTickets originally bookedVonI have not used them andviadditional shipping costs paid

In "Restriction due to medical indication during the trip"

• Compensation for days before a visit to aDoctor.

• More than the number of days of hospitalization indicated in the table at the bottom of page A11 ifVONdeal withDoctordiagnosedexcavationwith one of the listed diseases, but without a medical certificate for the number of daysVonit needs to be linked.

🗶What is not covered

Please read the general exceptions on page A4, which also apply.

🛈Special conditions and notes on section 2

•VonYou must notify the medical emergency 24 hours in advanceVonTravelgrande, and they must agree on the reasonVonshortenper day.

• SeVonhave to cut backyour trip, oviCalculate the unused value ofyour tripfrom the date it is requiredexcavationReturn to Denmark on or before the date on whichVonrest in the hospitalyour trip.

•VIpay without usingTravelcost (but nothave lunchunused return tickets, if applicableviThey are

paid for new tickets) based on each full 24-hour period,Vonthey lost.

🗊What we need when you file a complaint

• All the information on whyVonhad to cutyour tripor associated with medical advice.

• A medical certificate completed by himdoctor thereprocessedexcavation(your travel companion,your relativeo

relative of your travel companion) and confirm if necessary:

- the diagnosis,

- the complete dates and number of days,VonI was tied up in the hospitalyour travel accommodation,

- the complete dates and number of days,Vonwas asked to give uphave lunchplanned vacation activities (including number of days of care),

- This dateVonwas asked to reduce ityour trip,

- the need for onerelativeofellow travelermust be thereexcavation, masculineVonit is linked below

your trip.

• If applicable, a certified copy of the death certificate.

• Written confirmation ofHefreight forwarder orVONHosting provider detailing any costs that may not be charged to you.

• General information listed in the “Report a Complaint” section on page A6.

Section 3 - Money and Personal Assets

❓Xxxxxxxxxx of the words in Section 3Money

Coins and banknotes that can be legally used as a means of payment in a country.

title

Money, cards, tickets, or vouchers of monetary value (for example, phone cards, gift certificates, admission tickets, and transit tickets) All must be purchased for personal, non-commercial use.

✓What is your coverage?

VIpay up3,000 Danish kroner, Yeahyour titlestherefore lost or stolenyour trip. the tallestviPayMoneythe total is1,500 danish kroner.

🗶What is not covered

Episode 4 - Lost Passport

✓What is your coverage?

VIpay up2,500 danish kronerfor the next ifHethe passport is lost or stolen in the processyour trip:

• a temporary replacement passport,

• all additional travel and accommodation expenses to obtain a temporary replacement passport,

• The residual value ofHeNo. Original

🗶What is not covered

Any claim unlessVonreceive a letter from a local embassy or consulateVon

reported the loss.

Please read the general exceptions on page A4, which also apply.

🛈Special conditions and notes on Section 4

The salvage value ofHePassports are based on the current cost of a new passport and for how long

HeThe original passport would still be valid.

🗊What we need when you file a complaint

• Written confirmation from the local embassy or consulate where the loss occurred, indicating the date the passport was lost and when it was reported and replaced.Vonyou must also obtain a written police report.

• Original invoices and receipts for the provisional passport and any additional travel and accommodation expenses.

• General information listed in the “Report a Complaint” section on page A6.

• A franchise of200 danish kroner.

• Loss or theft oftitle, unless:

-VonReport to the police within 24 hours afterVondiscovered and received a written police report,

- Is takenexcavation, is locked in a vault or bank vault (if any of those things

available) or locked up in the place of accommodation,Vonuse belowyour trip, o

-Vonis able to provide currency receipts, bank statements, or bank or exchange office statements confirming the amount, currency, and when and whereVonhe recordedthe money.

• Losses due to price falls or deficits due to price errors.

• Lost or stolen traveler's checks when a replacement is made.

• More than the minimum market value of tickets or equivalent tickets, ifVonOriginally purchased with airline reward points or similar programs to earn points.

• Losses that may arise from the use of credit/debit cards, checks, drafts and bank accounts.

Please read the general exceptions on page A4, which also apply.

🗊What we need when you file a complaint

• A written police report confirming all information about the loss or theft.

• A written report ofHetravel company orVONAccommodation manager, if applicable.

• receipts in original currency,extract attachmentor statements from a bank or bureau de change confirming the amount, currency and when, and where and whenVonhe recordedthe money.

• General information listed in the “Report a Complaint” section on page A6.

Episode 5 - Lost Game

❓Xxxxxxxxxx of the words in Section 5starting place

The ferry port where:

•VONrafting trip toVONtarget initializer,

• a possibly connected ferry trip starts whenyour triphas more than one purpose or connection, or

•VONReturn home by ferryreturnHome begins (including all transport connectionsVonwill take later).

✓What is your coverage?

VIpay up30,000 Danish kroner(but no more than the originalsTravelcosts) for additional travel and accommodation costsexcavationBisyour tripsgoal oneVONone-way trips (withinhave lunchOriginalTraveldays) or backgrandeoneVONreturn trip if necessaryVonseñorVONgame marked becauseVonnot reachedstarting placeover time as a result of:

• public transport (including scheduled departures) does not respect its schedule,

• the vehicle thatVonused, involved in an accident or breakage, or

• the vehicle thatVonUnited States, stuck in a traffic jam.

• Any claim:

- conVonit has not been given enough time to arriveyour starting place, and took

altitude for normal or expected traffic conditions,

- conVoncould reasonably have made other travel arrangements to get thereyour starting placeon time or

- unlessVonYou receive written confirmation of the reason for the delay.

• A delay or cancellation in public transport caused by a previously initiated or announced riot, strike or industrial dispute.VonboughtVONpolicy or reservationyour trip(depending on which event is last),

• Any charges directly reimbursable by the Travel or Accommodation Provider or the Tour Operator.

Please read the general exceptions on page A4, which also apply.

🗶What is not covered

Section 6 - Late Check Out

❓Xxxxxxxxxx of the words in Section 6starting place

The ferry port where:

•VONrafting trip toVONtarget initializer,

• a possibly connected ferry trip starts whenyour triphas more than one purpose or connection, or

•VONReturn home by ferryreturnHome begins (including all transport connectionsVonwill take later).

✓What is your coverage?

VIpay up900 danish kronerconVONreserved raft is overdue untilstarting placeas a result:

- serious damage caused by fire, storm or floodstarting place,

- labor dispute,

bad weather right

- mechanical failure of the ferry.

VIpay the following amount according to timeVonto be lateat your starting point:Duration of the delay Amount to be paid

2-6 Timer300 danish kroner

6-12 Timer600 danish kroner

more than 12 hours900 danish kroner

🗶What is not covered

• PermittedVonNot registeredstarting place, simVonI should have.

• any delay due to a strike or labor dispute started or announced,

BeforeVonreservedyour tripthe boughtVONPolicy (depending on which event occurred last).

• Any claim whereVonyou do not receive written confirmation from the carrier about the reason for the delay and the actual time of departure.

Please read the general exceptions on page A4, which also apply.

🛈Special conditions and notes on Section 5

• Vonthere must be a written confirmation of the reason for the delay, e.g. a service report on the malfunction ifyour carBreakdowns, police confirmations of unexpected motorway and other road closures, or confirmations from a public transport company that the service was not running as planned.

•Vonyou need to plan to get to the check-in locationyour starting placeat least three hours before the scheduled departure time or the time specified in the airline's written instructions (whichever is longer).

🗊What we need when you file a complaint

• All the information about the circumstances that motivated itVonlostVONrise.

• Written confirmation of the reason for the delay, eg a service report of the failure, if any.VONThe car breaks down, police confirmation of unexpected highway and other road closures, or confirmation from a public transport provider that the service did not arrive on time.

• General information listed in the “Report a Complaint” section on page A6.

🗊What we need when you file a complaint

• Written confirmation from the airline or its representative detailing planned and actual costs

Departure times and reasons for delayed departure.

• General information listed in the “Report a Complaint” section on page A6.

Section 7 - Personal Liability

✓What is your coverage?

VIpay up3,000,000 Danish kroner, YeahVonaccidentally injuring someone or damaging someone else's propertyyour tripand is legally responsible.

• A franchise of1,000 danish kroner.

• Fines or punitive damages (fines intended to punish or sanction the person responsible instead of compensating the victim)Vonyou have to pay.

• All costs derived from the fact thatVontake responsibility for somethingVonthey are not responsible.

• Liability based on any of the following:

- Death or injury of people who work forexcavation, emfellow travelerof uno

relative,

- Loss of or damage to property, including temporary vacation accommodation owned by

excavation, emfellow traveler, zyou familiaror someone who works forexcavation,

-VonBusiness,HeProfession,VONProfession,Hework or other activityVonperformed for financial benefit,

-Heengage in any form of manual labor, or

-Vonowns, uses or controls:

• Animals,

• Firearms (excluding hunting rifles used in a controlled environment and with reasonable supervision, eg target practice);

• motorized or mechanical vehicles and attached trailers,

• fly, the

• Motor or sailing vessels (see “Special Conditions and Notes in Section 7” ifyour tripit is an organized trip by boat or sailboat).

Please read the general exceptions on page A4, which also apply.

🗶What is not covered

Section 8 - Legal Fees

❓Meaning of words in Section 8Complain

work made byVONlawyer ofHeDefending.

✓What is your coverage?

VIpay up100,000 Danish kronerto cover legal costsVonpay a lawyer for treatmentComplain,AndVonis prosecuted under laws that are not subject to the criminal laws of that country.

🗶What is not covered

• A franchise of1,000 danish kroner.

• Any claim:

- who is not informedoperating systemup to 90 days after the event giving rise to the claim,

- That includesComplainbetween members of the same familyrelative, em

fellow traveler, the one ofhave lunchEmployees,

- if another insurer or service provider has refusedHeare eligible or where their coverage is less,

- to a travel agency, tour operator or carrier,operating system,the insurer, Othersinsuredunder this policy orouragents,

- Linked toHeprofession or

- containsVONuse or control of a motor vehicle.

• Court fees awarded as personal punishmentexcavationoVONLawyer (for example, for breach of judicial rules).

Please read the general exceptions on page A4, which also apply.

🛈Special conditions and notes on Section 7

•SeVonUse a motor vehicle or a mechanic inyour trip, he mustVonguaranteeyou that youpurchase the necessary insurance as it is not covered by this policy.

• VonoVONpersonal representative must notifyos,so earlyVonoVONpersonal representative becomes aware of a potential legal claim, legal proceeding, investigation, or violation that may give rise to a claim under this Section.

• Vonwill not act, make payments, count, admit or deny any other person withoutourprior written approval.

•Seyour tripit is an organized holiday by boat or sail, areit only covers loss or damage that occurs when the boat is stationary.

•Vonis not responsible for damage caused by prolonged use of someone else's property.

🗊What we need when you file a complaint

• A detailed account of the circumstances of the claims, including photographs,

Video documentation and, where appropriate, medical documentation.

• Full details of police and witness statements (upon presentation of

explanations, if any).

• Any subpoenas, subpoenas, or other correspondenceVonreceived from others aboutHeclaim.

• General information listed in the “Report a Complaint” section on page A6.

🗊What we need when you file a complaint

• A detailed statement of the circumstances of the complaint, including photographs and video documentation (if available) within 90 days of the incident giving rise to the complaint.

• Any subpoenas, subpoenas, or other correspondenceVonreceived from others aboutHeclaim

• Full details of any witnesses if and when written testimony is provided.

such exist.

• Invoice and receipt of costs paidVONAttorney within 30 days of payment.

• General information listed in the “Report a Complaint” section on page A6.

Section 9 – Vehicle Rental/Excess Deposit

❓Xxxxxxxxxx of the words in Section 9barco

A motorboat or sailboat owned and used by a licensed charter companyexcavationone

your trip, andVonagreed to rent in accordance with the termsVONRental agreement.

rental period

The dataVonagreed to rentCaroboat, as confirmed inVONRental agreement. Rentals booked for more than 31 days are not covered.

Motor vehicle

A moped, motorcycle, car, van, or personal transportation vehicle owned by a rental company or approved agencyVonagreed to rent in accordance with the termsVONRental agreement. The vehicle must:

• no more than 10 years and no more than 9 seats,

• Not be an RV, RV, utility vehicle, minibus, taxi, or vehicle for

driving schools,

• are qualified with an RRP of less than DKK 550,000.

✓What is your coverage?

VIpay up10,000 Danish kronerin total for the following:

• For the reimbursement of the requested deductibleVONRental car insurance or loss of deposit due to damage to windows, tires, roof and underbody ifCarAccidentally damaged, involved in an accident, stolen, destroyed by fire or vandalismthe rental period.

• For the reimbursement of the requested deductibleVONRental boat insurance or loss of deposit for damage to the hull ifboataccidentally damaged or involved in an accidentthe rental period.

🗶What is not covered

🛈Special conditions and notes on Section 9

VIonly consider excess or lost deposit for repair costsaredamagedMotor vehicleobarcoin the decision. Costs such as a replacement car, lost damage waiver premium, or compensation for lost use ofCaroboat, Is not taken into account. This is not car or boat insurance. This section is intended to supplement car or boat insurance issued by the rental company.excavation.

🗊What we need when you file a complaint

• EmCoffee shopVonVONRental agreement.

• Landlord damage report and repair bill confirming details

damage and repair costs.

• A copy of the driver's licenseCarat the time of the accident.

• A detailed description of the circumstances that led to the accident/damageCaroboat, including photos and video evidence (if possible) and a written police report if necessary.

• Full details of any witnesses if and when written testimony is provided.

such exist.

• General information listed in the “Report a Complaint” section on page A6.

• Admit usHerentedMotor vehicleobarco, masculineVonParticipates in a professional sporting activity or race.

• Claims caused by the fact thatVonnot complying with the terms and conditionsHerent

Rental agreement.

• More than the stated deductible inVONRental agreement.

• Damages caused by leaving the public highway.

• Lost keys.

• Damage inside the vehicle.

• Improper refueling.

• Mechanical breakdown of the insured motor vehicle and associated salvage expenses.

• Normal wear and tear.

Please read the general exceptions on page A4, which also apply.

Section 10 - Roadside Assistance - Optional

Please note that this insurance section is only available if you have paid the additional premium and it is listed on your policy. If your vehicle breaks down and you need assistance, contact us immediately. Telephone: x00 00 00 00 00

❓Xxxxxxxxxx of the words in Section 10vehicle

the vehicle thatVonbringyour tripVonyour country of originis covered The vehicle must:

- Be under 12 years old that dayVonbuy the police

- maintained in a safe and functional condition and repaired in accordance with the manufacturer's specifications,

- not weigh more than 3,500 kg and be 7 meters long, 3 meters high and 2.25 meters wide

the width,

- be a car, motorcycle (more than 120 cc), motorhome, minibus, light truck, camper or SUV

However, impounded caravans and SUV trailers are not covered.the vehicle.

discrimination

Electrical or mechanical breakdown, traffic accident, damage or destruction by fire or attempted theft

or loss of keys, for which the insuredvehiclecan not move

✓What coverage do you have? roadside assistance

VIArrange and pay for roadside assistanceyour vehicleno case ofdiscriminationVonVONplanned

Departure date for the duration ofyour tripup to a maximum limit of total claims1,500 danish kroner. Labor wages for on-site emergency repairs or salvage costs forthe vehicleor have it towed to the nearest garage where the damage can be assessed.

Accommodation

If the mechanic thinks that repairing theyour vehiclelasts more than eight hours, copperit becomes areasonable and necessary costs for additional emergency accommodation in connection therewithVonotherwise I would have until550 Danish crowns,-per insured person per night, max.2 nights.

🗶What is not covered

🛈Special conditions and notes on clause 10

• VonYou must report any theft or damage to the police within 24 hours of discovery and request a written police report.VonYou should also inform the police ifVongets involved in a traffic accident.

• VIreservationsoperating systemRight to refuse delivery in case of breakdown or to ask for help ifVonis not present at the scene of the breakdown or accident.

• VIIf possible, arrange to cover the costs. Whereourno warranty

You needpay and claim those costs ifVonback home.

• VIcannot guarantee that towing to a local shop can be done during normal business hours or that the mechanic can make any necessary repairs right away.

• SeVoninsists on opposing the approval of costly or time-consuming repairsour

Advice, we wantReservationsoperating systemthe right to refuse other services.

• VIjust try to agree a cost guarantee within these limitsvicovers andVonthe workshop must bear the additional costs or spare parts. Repair costs may differ from those in Denmark and may be more expensive.

• SeVondo not own the vehicleit's youcheck with the owner firstVonAuthorize any repair.

• SeVonask for help yesHethe vehicle has entered a ditch, is on soft ground, sand or gravel, or is stuck in water or snow,he mustVonPay the cost of all types of salvage in a safe place such asviarrange.

🗊What we need when you file a complaint

• Maintenance test and regular serviceyour vehicle.

• Details of the breakdown or damage.

• There is a police report available.Voninvolved in a traffic accident or if the vehicle is stolen or

damaged by third parties.

• Cost of spare parts, tires, glasses, fuel, lubricants or other fluids, keys or other materials.

• Wages for work not related to road repair.

• Unnecessary repairs, paint damage or other cosmetic repairs, failure of air conditioning or air conditioning systems that do not impair or affect mobility.your vehiclesafety or makes driving unsafe.

• Discriminationdue to lack of maintenance or servicethe vehicleaccording to manufacturer's guidelines.

• Cost of a locksmith or other specialist (for example, booth, tires or glass).

• Costs arise becauseVonDon't bring an extra set of keysthe vehicleor other type of access device (if provided by manufacturer) and a statutory repaired spare wheel and tire or “Instant Mobility System” if providedthe vehicle.

• Costs arise becausethe vehicleit is overloaded, it is used for rallying, off-road driving, in

Race tracks, at the Nürburgring or for car racing.

• Meals, drinks, telephone calls and newspapers or any other expenses incurred byexcavationoHe

Company.VonYou must pay it directly at the hotel before departure.

• CuestaVonwould have paid if there hadn't been problems withyour vehiclehad arisen.

Please read the general exceptions on page A4, which also apply.

Legal and regulatory information

This policy is only available topermanent residentsin Denmark the police don't

Available to residents of Greenland or the Faroe Islands.

insurer

VonTravel insurance is provided by AWP P&C S.A. guaranteed. – Dutch branch doing business as Allianz Travel Europe, an insurance company licensed to operate in all EEA countries and having its registered office at Xxxxxxxxxxxxx 0, 0000 XX Xxxxxxxxx, Xxxxxxx. AWP P&C S.A. – The Dutch branch under company number 33094603 is registered with the Netherlands Authority for Financial Markets (AFM) under number 12000535 and authorized by L'Autorité de Contrôle Prudentiel et de Résolution (ACPR) in France.

right of withdrawal

SeVONcoverage does not meet your needs, you shouldVonNotify Stena Lines (x00 00 000 000oxxxxxxxxx.xx@xxxxxxxxx.xxx) within 14 days of payment of theVONDelivery and reception ofVONInsurance document.VonThe price will be refunded unlessVonmade, a claim has been made or an event has occurred that may give rise to a claim, in which case no refund can be expected. note thatVONThe right of withdrawal no longer applies after this first period of 14 days.

When can we cancel the insurance?

We may have the right to cancel the policy and not pay a claim or change the terms of the policy if you:

• we have been deceived in entering into the contract through dishonesty or incomplete information

• intentionally misrepresented or omitted facts when reporting a complaint

• Misled, cheated, or deceived us

• You have been informed in advance that we will not insure it. In this case, we will refund the premium paid for the policy.

If we have paid your claim, we will have the right to require you to repay any payment we have made to you. If we decide to cancel or change your insurance policy, we will notify you in writing.

Privacy and personal data

VIcandieshave lunchcarefully the personal data. Yeahvicollects, processes and uses personal data, followviEU data protection regulation.

•Vonextravagantin yourpersonal data whenVonApply for insurance and whenVonFile a damage report.VImay use this information while the insurance policy is in force to

Acceptance, execution and administration of insurance policies, claims processing, CRM, customer research and marketing activities (these activities focus on creating, maintaining and expandingourRegardingexcavation).

• SeVonaccept it, you canvialso applieshave lunchpersonal data for analysis, product development and collection of management information.

• Additional usesit becomes apersonal data to prevent and combat fraud and to comply with legal obligations.VImay share personal information with government agencies, regulators, fraud prevention agencies, and industry databases.

Claim reporting to prevent insurance fraud.VIcan givehave lunch

Information to third parties when required or permitted by law.

•VIcan exchange informationourAffiliates, subsidiaries, business partners and other members of the Allianz Group. This may involve the transmission of informationexcavationto other countries outside the European Economic Area which may have limited or no data protection laws.VIalways take appropriate protective measureshave lunchpersonal data andviTake appropriate precautions when dealing with these companies.have lunchinformation carefully.

• The call center provides immediate assistance in case of hospitalization, serious accident or death. If the call center deems it necessary, it may request information from the insured, relatives, service personnel and/or treating physicians. You can pass this information on to the people involved in the rescue service / on-call service. It also gives this information.ourmedical consultant.

• If the law allows it, you canviRecord phone calls and thenvilater you can check what information has been provided.VIYou can also use these records to train staff and monitor quality.ourServices.

xxxYou have the right to request a copy of the personal data,viabout havingexcavation. SeVonyou wish to exercise this right, pleaseVonContactoperating systemvia: xxxx-xxxxxx.xxxxxxx@xxxxxxx-xxxxxxxxx.xx.xx

International Sanctions

This policy may not provide coverage or benefits to the extent that any coverage or benefit is in violation of any applicable UN, EU or US sanction, law or regulation or other applicable economic or trade sanction, law or regulation .VIrejects claims from individuals, companies, governments and other parties that are prohibited from doing so by national or international agreements or sanctions.

choice of law

Unless otherwise stated, Danish law applies and all communications relating to this policy must be written in Danish or English. In the event of a dispute regarding this Policy, the Danish courts shall have exclusive jurisdiction, unless the parties agree otherwise to resolve the dispute. Queries or complaints should first be directed to Complaints at Falck Global Assistance. YeahVonIf you are not satisfied with the way a complaint has been handled, you should do so.Vonwrite toAnkenævnet für Forsikring, Xxxxx Xxxxxxxx Xxxx 0, 0000 Xxxxxxxxxx, Xxxxxxx.

dictionary

Whenever the following words and phrases appear on the insurance policy or proof of insurance, they have the following meanings. These words are displayed withfedWrite.

computer system

Any computer, hardware, software, or communications system or electronic device (including, but not limited to, smartphones, laptops, tablets, handheld devices), servers, clouds, microcontrollers, or similar systems, including input, output, data storage, data, network devices or backup: Installation.

Cyber-Risk

Any loss, damage, liability, claim, cost or expense of any kind caused, contributed to, or arising out of or arising out of, directly or indirectly, one or more of the following:

• Any unauthorized, malicious or illegal act, or the threat of such an act, involving the access, processing, use or operation of any suchcomputer system;

• Any errors or omissions in connection with the access, processing, use or operation of a

computer system;

• Any unavailability or total or partial lack of access, treatment, use or exploitation of acomputer system; o

Any loss of use, loss of functionality, repair, replacement, restoration or duplication of data, including amounts related to the value of such data.

You, you, you, sure

Up to 5 passengers according to the insurance document for which the corresponding insurance premium has been paid.

coverage area

Vonnot covered yesVonleaveEuropa: Albania, Andorra, Austria, Balearic Islands, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Corsica, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece (including Greek islands), Hungary, Ireland ( Republic), Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Russia west of the Urals, XXX XXXxxx, Serbia, Slovenia , Slovakia, Spain, Sweden, Switzerland, Ukraine and Great Britain (including the British Isles).

insurer

AWP P&C S.A. - Dutch subsidiary operating as Allianz Travel Europe.

insurance period

- return tickets

• Coverage of all episodes begins at the beginning ofyour tripand ends at the endyour trip.

• All coverage begins on the specified start dateVONinsurance document and expires on the expiration date specified in the expiration dateVONInsurance receipt unlessVonI can not finishyour tripas scheduled due to death, injury or illness or, ifVONthe booked transport is delayed and this cannot be avoided. In these circumstances it will beviFree coverage extension up toVoncan reasonably endper day.

- One way ticket

• Coverage of all episodes begins at the beginning ofyour tripand ends at the endyour trip

or 14 days later, whichever comes first.

• All coverage begins on the specified start dateVONinsurance document and expires on the expiration date specified in the expiration dateVONInsurance receipt unlessVonI can not finishyour tripas scheduled due to death, injury or illness or, ifVONthe booked transport is delayed and this cannot be avoided. In these circumstances it will beviFree coverage extension up toVoncan reasonably endper day.

lar

WoVonnormally lives in Denmark.

roadside assistance provider

Falck Räddningskår AB, que proporcia asistencia en carretera en nombre de Roadside Assistancethe insurer.

Doctor

one legally qualifiedDoctor, which has the required certification in the country where the prospectus is located

practical methods exercises. This person must not be relatedexcavationor anyVonTo travel with.

permanent residents

A person who has the maingrande, and is connected to aDoctorin Denmark and who have not been abroad for more than 6 months in the year prior to the issue of the policy.

travel partner

A person who has booked and travels with youexcavationoneyour trip.

Travel

- return tickets

A return trip (not including a business trip) that takes place duringthe insurance periodand begins and ends atYour house.

• All other trips begin afterVonBack is not covered by the case.

• A planned trip that is intended to last more than 45 days or the contracted period (whichever is less) is not insured.

- One way ticket

A trip (excluding business trips) that takes place duringthe insurance periodand begins and ends atYour houseor 14 days lateryour tripstarted, whichever comes first.

• All other trips begin afterVonBack is not covered by the case.

• A trip booked for more than 14 days is only insured for the first 14 days.

own risk

la lavideduction from the amount otherwise payable under this policy for eachinsured, for each section, for each claim.

complainant

Falck Global Assistance, which provides medical assistance and processes claims on behalf of Falckthe insurer.

Relative

VonMother (mother-in-law), father (father-in-law), stepfather (stepfather), sister (sister-in-law), brother (brother-in-law), wife, husband, child (son). -in-law), daughter (daughter-in-law), stepson, adopted son, grandparent, grandson, uncle, aunt, xxxx, niece, cousin, life partner (also life partner, life partner), or boyfriend.

VI,our,operating system

Europe Travel Alliance.

travel insurance

Information document on insurance products

Company: AWP P&C S.A. - Dutch branch operating as Allianz Travel Europe, company identification number. 33094603, registered with the Netherlands Authority for Financial Markets (AFM) No. 12000535 and authorized by L'Autorité de Contrôle Prudentiel et de Résolution (ACPR) in France

Product: Stena Line European travel insurance

This document is a summary of the most important information about the insurance product and does not take into account your specific requirements and needs. Full terms and conditions can be found in the insurance document, which you should read carefully to ensure you have the required coverage. Complete pre-contractual and contractual information can be found in the Stena Line documents.

What is this type of insurance?

What is insured?

✓emergency medical expenses– Actual cost to the hospital

Fees, repatriation, additional travel and accommodation expenses. Up to DKK 7,500 shipping and handling, up to

DKK 15,000 for funeral expenses and up to DKK 1,500 for dental expenses to alleviate pain in case of illness or injury during travel.

✓Trip guarantee and trip reduction-bis

DKK 30,000 for the loss of travel and accommodation expenses paid in advance if you interrupt your trip. If you are hospitalized during your trip or cannot leave your accommodation for medical reasons, you will receive a daily allowance (DKK 150). Up to DKK 1,125 for prepaid tourist tickets that you cannot use due to illness or injury.

✓Personal money and valuable documents –Bis

3000 DKK in cash, tickets and train tickets lost or stolen during the trip. There is an excess of DKK 200 per person.

✓loss of passport– Up to DKK 2,500 for the cost of obtaining temporary travel documents plus reimbursement of the balance of the lost passport.

✓I lost the game– Up to DKK 30,000 for additional transportation or accommodation costs to continue your trip if you miss your onward or return transportation.

✓late check out– Up to 900 DKK after the delay of transport to or from the place of departure. The service is calculated based on the time of delay after at least 2 hours.

✓personal responsibility– Expenses of up to DKK 3,000,000 for damage caused to third parties or their property (including travel accommodation if it is not yours, a relative's or a friend's). There is an excess of DKK 1000 per person.

✓court costs– Up to DKK 100,000 in court costs for a lawyer to take legal action if a lawsuit is filed against you and the facts of which you are accused are not covered by the criminal law of that country. There is an excess of DKK 1000 per person.

✓Damage to the rented vehicle– Up to DKK 10,000 per Stena booking for the excess charged by your car rental company if your rental vehicle is damaged or stolen during the rental period.

Optional roadside assistance coverage- Up to DKK 1,500 per reservation for towing or on-site repairs and up to DKK 550 per night (up to 2 nights) for additional accommodation.

What is not insured?

🗶Claims for which you cannot provide sufficient proof.

🗶More than the maximum power limits (and lower limits, if applicable) specified in each section.

🗶Any loss not directly covered by the terms of the policy (for example, the cost of obtaining a medical/death certificate to establish your claim).

🗶Participate in activities with an increased risk of injury, unless otherwise agreed.

Are there any coverage restrictions?

!Insurance coverage is only available to residents of Denmark.

!Claims related to pre-existing medical conditions may be excluded if diagnosed or unstable within 2 months prior to insurance payment.

!Round-trip tickets do not cover planned travel longer than 45 days or the period purchased (whichever is shorter).

!In the case of single tickets, a trip booked for more than 14 days is only insured for the first 14 days.

!Rentals booked for more than 31 days are not covered.

!General exclusions apply to the entire policy and each section contains exclusions specific to that section. For example, claims caused by: war, terrorism, epidemic, pandemic, your criminal or fraudulent activities, alcohol or drug use, cyber risks.

This is a travel insurance that covers you for various events during the trip such as: Eg: medical emergencies; Repatriation; shorten your trip; delayed, lost or stolen belongings; delayed or lost games; personal responsibility; court costs. Covered events are described in the text of the policy.

Where am I insured?

✓Europe (see list of countries in Policy Glossary)

You are not covered if you are traveling to a country or region where the Department of State, the World Health Organization (WHO), or any government or other official authority has advised against all travel or all travel other than strictly necessary. Assistance cannot be provided in war zones or countries listed by the insurer as excluded.

What are my duties?

To avoid having your policy canceled and claims reduced or denied, you must:

By contracting this policy

- provide the insurer with relevant, true and complete information that allows it to underwrite the policy;

- provide supporting documents to the insurer upon request;

- Pay the premium in full.

Once the policy is in effect

- The Insured must notify the Insurer of any resulting change that may affect the coverage as soon as possible.

In case of complaint

- The insured must contact the insurer immediately after the occurrence of an event in accordance with the insurance conditions to claim damages.

conditions and provide the insurer with all supporting documents to process the claim;

- Inform the insurer in case of double insurance and inform the insurer if the insured has received payments for all or from another insurer

part of the claim.

When and how do I pay?

You must pay the insurance premium in full for coverage to be available. All coverage ends if payment is incomplete or refused, or if the policy is cancelled.

The payment of the premium can be made through any of the payment options offered by the seller of this insurance.

When does coverage begin and end?

The start and end dates of your insured trip are indicated in the insurance confirmation email.

For return tickets:Insurance coverage for all legs begins with the start of the trip and ends with the end of the trip. All coverage will expire on the termination date specified in your insurance confirmation email, unless you are unable to complete your trip as planned or your booked transportation is delayed and this cannot be avoided due to death, illness, or injury. In these circumstances, we will extend coverage free of charge until you can reasonably complete your trip.

For single tickets:Insurance coverage for all routes begins at the beginning of the trip and ends at the end of the trip or 14 days later,

Whichever is earlier. All coverage begins on the start date specified in your insurance confirmation email and ends on the expiration date specified in your insurance confirmation email, unless you are unable to travel as planned and on time. due to death, illness or injury 14 days or if your booked carriage is delayed and this cannot be avoided. In these circumstances, we will extend coverage free of charge until you can reasonably complete your trip.

How can I cancel the contract?

If your coverage does not meet your requirements, please notify Stena Line (x00 00 000 000 orxxxxxxxxx.xx@xxxxxxxxx.xxx) within 14 days after payment of the premium and receipt of the insurance confirmation by email.

Your premium will be refunded unless your coverage has expired, you have filed a claim, or you intend to file a claim. In this case no refund is due.

Please note that your right of withdrawal expires after these first 14 days.

If the insurance period is 1 month or less, you can cancel the insurance no later than the day before the trip.

Ref: I.STN.DK-08/21 Viagens

Data Protection

We take care of your personal data

AWP P&C S.A. – The Dutch subsidiary (“we”, “us”, “our”), part of Allianz Partners SAS, is a licensed insurer offering insurance products and services internationally. Protecting your privacy is a priority for us. This privacy statement explains how and what type of personal data is collected, why it is collected, and with whom it is shared or shared. Please read this disclaimer carefully.

1. Who is responsible for the treatment?

A data controller is the natural or legal person who controls and is responsible for the handling and use of personal data in paper or electronic files. We are the controller of your insurance-related personal data within the meaning of the relevant data protection laws and regulations.

2. What personal data is collected?

We will collect and process the following personal data about you: name, identity document, address, place of residence, date of birth, gender, nationality, telephone number, email address, bank account details, medical information, details of the passport, place of travel and the results of fraud detection and sanctions.

Medical information is processed when we assist you in the event of hospitalization, serious accident or death. If necessary, the service team can request this

Insured, family or other relevant data. You can share this information with people who provide health care.

3. How do we receive and use your personal data?

We will collect and use the personal information you provide to us and that we receive about you (as explained below) for various purposes and with your express consent, except where applicable laws and regulations do not require us to use your explicit consent as described below:

As mentioned above, for the purposes set out above, we process the personal data we collect about you from public databases, third parties such as brokers and business partners, other insurers, fraud prevention and credit reference agencies, analytics providers, research information, claims adjusters, experts, intermediaries, commissioners, lawyers.

For the above purposes, for which we indicate that we do not need your explicit consent, we process your personal data based on our legitimate interests and/or to comply with our legal obligations. For example, if processing is required:

We need your personal data if you wish to purchase our products and services. If you choose not to provide these to us, we may not be able to provide you with the products and services you have requested that may be of interest to you, or tailor our offerings to your specific needs.

4. Who has access to your personal data?

We ensure that your personal data is processed in a manner compatible with the purposes set out above. For the above purposes, your personal data may be communicated to third parties acting as data controllers, such as B.: Authorities, other Allianz Group companies, other insurers, reinsurers, insurance intermediaries/brokers and banks.

For the above purposes, we may also share your personal data with parties acting as data processors on our instructions, such as other Allianz Group companies, technicians

Consultants, Experts, Lawyers, Experts, Mechanics, Doctors; and service companies for process control (claims, IT, mail, document management).

Finally, we may disclose your personal information in the event of a reorganization, merger, sale, joint venture, assignment, transfer, or other disposition of all or part of our business, assets, or stock (including in any bankruptcy or similar proceeding) and meet in any moment

legal obligation, including before the corresponding ombudsman, if you make a claim about the product or service that we offer you.

5. Where is my personal data processed?

Your personal data may be processed inside and outside the European Economic Area (EEA) by the parties referred to in section 4 above, always subject to contractual limitations on confidentiality and security in accordance with laws and regulations. of applicable data protection. We will not pass on your personal data to third parties who are not authorized to process it.

Whenever we transfer your personal data to another Allianz Group company for processing outside the EEA, we do so on the basis of Allianz-approved mandatory corporate standards, known as the Allianz Privacy Standard (Allianz BCR), which provide an appropriate level of privacy. protection for personal data. and are legally binding for all companies of the Allianz Group. The Allianz BCRs and the list of Allianz Group companies that comply with them can be found herexxx.xxxxxx-xxxxxxx.xxx/xxxxxxx-partner---binding-corporate-rules-.htmlWhere Allianz's BCRs do not apply, we will take steps to ensure that transfers of your personal data outside of the EEA receive an adequate level of protection as provided in the EEA. You can find out what safeguards we rely on for such transfers (for example, Standard Contractual Clauses) by contacting us as set out in Section 9 below.

6. What rights do you have in relation to your personal data?

To the extent permitted by applicable law or regulation, you have the right to:

• Access your personal data that we hold about you and learn about the origin of the data, the purposes and purposes of the processing, details of data controllers, data processors and parties with whom the data may be shared. ;

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

• update or correct your personal information so that it is always correct;

• Delete your personal information from our records when it is no longer necessary for the established purposes.

above;

• Restrict the processing of your personal data in certain circumstances, for example if you dispute the accuracy of your personal data, for the period that allows us to verify its accuracy;

• Receive your personal information electronically for you or your new insurer; Is

• File a complaint with us and/or with the relevant data protection authority.

You can exercise these rights by contacting us as set out in Section 9 below, giving your name,

Email address, identification, policy number and object of your order.

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

Where permitted by applicable law or regulation, you have the right to object to the processing of your personal information or to ask us to stop processing it (including for direct marketing purposes). Once you have informed us of this request, we will no longer process your personal data, except as permitted by applicable laws and regulations.

You can exercise this right in the same way as your other rights set out in Section 6 above.

8. How long do we keep your personal data?

We store your personal data for seven years from the date the insurance relationship ends or the claim or claim is settled, unless a longer retention period is required or permitted by law.

We store your personal data no longer than is necessary and only for the purposes for which it was collected.

9. How can you contact us?

If you have any questions about how we use your personal information, please contact us by email or post as follows:

AWP P&C S.A. – Data Protection Officer Netherlands Branch Postbus 9444

1006 Y Amsterdam

Email:xxxxxxx.xx@xxxxxxx.xxx

10. How often do we update this privacy policy?

We periodically review this privacy policy. We will ensure that the latest version is available on our website.xxx.xxxxxx-xxxxxx.xxx/X0X/XX/XX/Xxxxxxx-Xxxxxxx.xxxand we will notify you directly if there is a major change that may affect you. This privacy statement was last updated on June 5, 2020.

important contact details

Customer service:(for questions about your travel insurance) Email:xxxx-xxxxxx.xxxxxx@xxxxxx-xxxxxxxxx.xx.xx

24-hour emergency medical care:(for medical emergencies or if you need to shorten your trip)

Telephone:x00 00 00 00 00

Email:xxx@xx.xxxxx.xxx

24 hour roadside assistance:

Telephone:x00 00 00 00 00

Expectations:

Telephone:x00 00 00 00 00

Email:xxxxxx.xxx@xx.xxxxx.xxx

AWP P&C S.A. – The Dutch branch operating as Allianz Travel Europe is an insurer licensed to operate in all EEA countries

y localizado en Xxxxxxxxxxxxx 0, 0000 XX Xxxxxxxxxx, xxx Xxxxxxxxxxx.

AWP P&C S.A. – Dutch branch with company identification number 33094603,

is registered with the Dutch Financial Market Authority (AFM) under number 12000535

and is authorized by the Prudential Control and Resolution Authority (ACPR) in France.

Ref: P.STN.ES-08/21 Viagen

with optional roadside assistance

Travel insurance line Stena Allianz Travel

x00 00 00 00 00

xxx@xx.xxxxx.xxx Policy number:

These terms and conditions apply

ab 17. August 2021

B

Important

This policy is only available to residents of Denmark.

Not all existing medical conditions are covered. See page B3. One policy covers a maximum of 5 passengers.

Be sure to read this policy and take it with you when you travel.

B

Content

Page Important information about your insurance B1

Summary of the B2 layer

B3 Health Exclusions

B4 General exclusions

Sports and leisure activities B5

24-hour emergency medical care B5

Mutual health agreements B5

Submit a complaint B6

File a complaint B7

Section 1 - Emergency and Related Medical Expenses. . . . . . . B8-B9 Section 2: Travel Guarantee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . B10-B11 Section 3 – Personal Money and Valuable Documents B12

Section 4 - Loss of Passport B13

Stage 5 - Game lost B14

Section 6 - Late Check Out B15

Section 7 - Personal Responsibility B16

Section 8 - Legal Fees B17

Section 9 - Damage to Rental Vehicle. . . . . . . . . . . . . . . . . . . . . . . . . B18-B19

Section 10 – Travel Assistance (Optional) . . . . . . . . . . . . . . . . . B20-B21

Legal and regulatory information. . . . . . . . . . . . . . . . . . . . . . . . . . B22-B23 Glossary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . B24-B25

Important information about your insurance policy

To thankOffor taking out Allianz travel insurance.

your cape

They areInsurance confirmation email shows insurance coverageOfchose thatcoverage area, the insured and the applicable particular conditions. Please check carefully.

AfterOfthe insurance premium is paid, the insurance is valid during theinsurance periodin accordance with these Conditions up to the maximum amount specified in the "Coverage Schedule".They areThe complaint is processed byclaims handler.

Certain words have a special meaning and stand out inboldPressure on all politics. The full meaning of these words is explained in the “Glossary” at the end of this policy or in the sections where they appear.

your duty

OfYou must take all reasonable steps to protect yourselfyourselfmiareproperty and pretendOfthey are not insured.OfYou must take all reasonable steps to minimize any potential claim.

if there is somethingOfI don't understand or yesOfIf you need help, call Falck Global Assistance atx00 00 00 00 00the emailxxxxxxx.xxx@xx.xxxxx.xxx

right of withdrawal

SeareThe cover is not respondingarerequirements, notify Stena Line (x00 00 000 000oxxxxxxxxx.xx@xxxxxxxxx.xxx) within 14 days after paymentareaward and receiptareConfirmation of insurance by email.

They areThe price will be refunded unlessOfYou have traveled, you have made a claim or an incident has occurred that may give rise to a claim. In this case no refund is due.

RealiseareAfter this first period of 14 days, the right of withdrawal expires.

applicable law

Unless otherwise agreed, Danish law applies. In the event of a dispute regarding this policy, the Danish courts will have jurisdiction.

cover summary

The following table shows the maximum amountuspay for each section of the insurance.Unless expressly stated otherwise, the benefits and exclusions in each section apply to allinsured.OfYou should read the rest of this policy booklet for all the conditions and exclusions.

health exclusions

These apply to “Section 1: Emergency and Related Medical Expenses” and “Section 2: Travel Guarantee”.

It is very important that you read the following:

1 ofYou will not be covered for any medical condition claim if diagnosed within 2 months prior to payment of this insurance.

2 ofClaims arising from a medical condition that has not been stable* during the 2 months prior to the payment of this insurance will not be covered. *That meansOfmust not have undergone any changearemedication, did not have routine medical appointments or additional investigations intoaremedical condition.

3 ofwill not be covered unlessOfcan travel and undertakeareplannedTravel.

4 tuwill not be covered ifOfTraveling against the advice of aDoctorOr whereOfwould have been ifOfI had sought his advice before beginningyour trip.

5 ofwill not be covered ifOfsableOfrequire medical treatment or consultation at a medical facility during treatmentyour trip.

6 ofwill not be covered ifOfhad no undiagnosed symptoms for theOfThe results of the investigation or consultation or investigation were awaited and the underlying cause was not established.

7 out ofwill not be covered ifOftravel specifically for the purpose of acquiring and/or

Receiving elective surgery, hospital procedure or treatment, or subsequent complications.

Seuscannot cover a medical condition, it means thatOfand any other insured personusnot covered by claims directly or indirectly related to the health condition(s).

any insured personuscontinue to be covered for any unrelated medical conditions (or medical conditions) that occur thereafterOfboughtareThe insurance policy and other sections of coverage are subject to the terms of this policy.

General exclusions sports and leisure activities

These exclusions apply to your entire policy.

1 uswill not pay claims caused directly or indirectly by:

a younot answering the questions correctlyusI askedOfat the time of purchase of this policy, whereareresponse(s) may be affectedourprovide decisionOfwith this policy.

BWar, invasion, act of a foreign enemy, hostilities (declared or undeclared), civil war, civil commotion, rebellion, revolution, insurrection, military force, coup, terrorism, or weapons of mass destruction (for example, nuclear, chemical, or biological).

with youdislikeyour tripor do not want to travel.

Ofmake a fraudulent claim.UsIn these cases, you can file a complaint with the police.

miThe effect ofareLong-term alcohol, solvent or drug addiction or abuse.

to youbeing under the influence of alcohol, solvents or drugs, or doing anything as a result of the consumption of any of these substances (other than medications prescribed by aDoctorbut not for drug treatment).

it's youDo not follow any advice or recommendation from the Department of State, the World Health Organization (WHO), or any government or other official body. This also applies if certain vaccinations or other preventive measures (eg malaria pills) are recommended.

it's youParticipation in a sport or recreational activity listed as not covered (see page B5).

I...youout and aboutcoverage areais shown inareConfirmation of insurance by email.

I ofcommit suicide, woundyourselfestablish it unnecessarilyyourselfendangered (unlessOf

trying to save another person's life).

k youTo engage in any illegal, malicious or criminal activity (including whenOfare below

influence of alcohol) orOfbreaking local traffic regulations.

I...youRiding a motorcycle unless the driver has a proper and valid license and

Of, zareThe co-pilot can wear helmets.

METROTravel on an airplane unlessOfYou are a passenger on a fully certified passenger-carrying aircraft.

norteChanges in the exchange rate.

areProperty detained, taken, destroyed or damaged by order of a government or

Customs officials.

PAGIonizing radiation or radioactive contamination from nuclear fuel or nuclear waste, or any hazard from nuclear facilities.

qAny epidemic or pandemic.

RThe failure of any computer equipment or program, whetherOfown or not to work correctly.

s cyber risks.

2 usit will not pay claims for something covered by another insurance policy. YeahOfhave more than one insurance that coversOffor the same lossOfYou only need to file a claim with one company and provide information about other insurance. They will approach other policyholders of the event for a contribution to the costs.

3 uswill not pay claims for damages not directly covered by the terms of this policy (for example, loss of income due toOfInability to work due to illness or accidentyour trip, or replacement of locks, yesOfloseareChaves).

4 uswill not pay any claim whereOfcannot provide the documents required for the assessment

areClaim (see “Filing a claim” on page B6).

There is no insurance coverage for:

- participate in a sporting activity in which the organizer's guidelines have not been followed;

- any sporting activity that requires membership in a government agency;

- any professional sports activity;

- any type of race, except foot races; either

- any type of winter sports activity.

24-hour emergency medical care

Medical Emergency Service

OurThe experienced, multilingual medical support team receives all the details of the emergency and can help in the following ways:

• Liaise with hospitals and thedoctorswho treatsOf.

• Supervisionaretreatment withourmedical advisors.

• Contactyou doctorConfirmarehistory, if any

• Ensure that hospital and doctor bills are covered, whenOfhave a legitimate claim.

• Make sure family members ortravel companionsare kept up to date.

• Arrange travel and accommodation for someone you want to stay withOf(if clinically necessary).

• Decide and organize the most appropriate, practical and sensible way to carryOfreturngrande. This is usually done by a regular airline or ambulance, but if medically necessary, an ambulance or air taxi with trained medical attendants will be arranged.Uscan also fixOfbe admitted to a hospital in Denmark.

Mutual Health Agreements

European Health Insurance Card (The Blue Card)

• The Blue Card entitlesOfto medical treatment at a reduced cost (or sometimes free) whileOflocated in a country of the European Economic Area (EEA) or in Switzerland. The EEA consists of the countries of the European Union (EU), as well as Iceland, Liechtenstein and Norway.

• It is important to have the Blue Card and travel insurance. The blue card is important in some institutionsOfthey are thus attended to faster, in others they waitOfLeave a deposit before treatmentOfconOfHe doesn't have a blue card. Insurance is important because

Only eligible for blue cardOfto the same government medical treatment as a resident of the country in which you areOfvisit. The Blue Card does not cover medical treatment in a hospital or private clinic, nor the cost of transportationOfback to Denmark.

•OfYou can apply for a blue card online atxxx.xxxxxx.xxor callx00 00 00 00 00.

How to File a Complaint: Sections 1-9

claims service

Complete the application form and submit it with all the information and documents.ushe asked as soon as possible.

For all claims we require the following:

•your tripReservation invoice(s) and travel documents showing the date and time of travel.

• Original receipts and invoices for all expensesOfPay.

• Original invoices or receipts.

• Information about other insuranceOfthat can cover the same damage, e.g. B. family or private health insurance.

• Support as much evidence as possibleareclaim.

Filing a Complaint – Section 10

make a claim

Usalways aims to provideOfwith first class service. However,usknow that sometimes things can go wrong and there may be times whenOfto feelusI don't. If this is the case, please let me know.us, so thatuscanourbetter solve the problem.

Please write to:

Falck Global Assistance Claims Department Xxxxxxxxxxxxx 00

2450 Copenhagen SV Denmark

The e-mail:xxxxxx.xxx@xx.xxxxx.xxxwith "COMPLAIN" in the subject.

To help Falck Global Assistance with the settlementareClaim in the fastest and most efficient way possible, let them knowareName, address, telephone number, policy number and claim reference and attach copies of relevant correspondence.

SeOfare not satisfied with the handling of a complaintOfyou should write to:

Title of the appeal to the anchor insurer Xxxxxxxxxxxxx 0

1572 Copenhagen Denmark

• Any claim whereOfDo not drinkareare taking prescription drugs or following vaccinations or other preventive measures (for example, malaria pills) as recommended by:

-you doctorBeforeOfTravel;

- ÖDoctordeal withOfwhileOfthey are far away;

- The Danish Ministry of Foreign Affairs, the World Health Organization (WHO) or any government or other official body.

• Expenses related to the pregnancy, except in the case of complications or premature delivery (more than 8 weeks before thearebirthdate).

Please note the general exclusions that also apply on page B4.

Section 1 - Emergency and Related Medical Expenses

If you are hospitalized or think you may need to go home early or extend your trip, please contact us immediately. Telephone x00 00 00 00 00.

✓What are you insured for?

Usgo payOfoarepersonal representatives the following necessary and unforeseen emergency expenses ifOfdie, get injured, have an accident or get sickyour trip.

- Treatment

• Actual cost of medical, surgical, drug, hospital, nursing home, or nursing services.

- Give back

• Actual cost ofareRepatriation to Denmark if medically necessary or for transportationare

body for denmark yesOfdie in the processyour trip.

- Additional travel and accommodation

• Actual cost of additional travel and lodging forOfif medically necessary.

- Shipping and Tracking

• bis7,500 Danish kronerfor additional travel and accommodation for an additional person staying with themOfor travel orOffrom Denmark when clinically necessary.

-Zahn

• bis1,500 Danish kronergenerally for emergency dental treatment to relieve sudden pain.

- Funeral expenses

• bis15,000 Danish kronertotals forareBurial or cremation expenses, in the place whereOfdie outside of Denmark. This includes shipping costs.areAshes to Denmark in case of cremation.

• Any medical condition defined in Health Exclusions (see page B3).

• The cost of:

- Services or treatments thatusdisagree and in the opinion of theDoctordeal with

Ofoourmedical advisers (or both), may wait untilOfreturn to Denmark;

- Treatments not directly related to the disease or injury that caused the accident;

- Taxi rides and phone calls (including calls to mobile phones);

- Meals, drinks and car rental unless agreedus;

- have a single or private room, unless otherwise agreedus;

- Travel and accommodation of a higher level than originally bookedyour trip, unless otherwise agreedus;

- Travel and accommodation for more than one personOfor travel to be with

Offrom Denmark if medically necessary;

- Replace medication.Ofused whenOfbeganyour trip;

- Services or treatmentsOfpreserved in Denmark;

-areburial or cremation in Denmark; either

- Dental treatment not required in an emergency, replacement or repair of false or artificial teeth

Teeth (eg crowns) or any work involving the use of precious metals.

🗶What you are not covered

🛈Special conditions and notes on section 1

• This is not private health insurance and only covers emergency medical treatment ifOfhave an accident or suffer an unexpected illnessyour trip.

• AOfoarewritten approval of the personal representative,usWill contactyou doctorConfirmaremedical history to helpusprocess all complaints.Usyou can also askOfbe clinically examined or autopsied ifOfdie.

• Aidusto recover a paymentushave made in accordance with this policy,usYou can askOfButusinformation and fill out all the forms.UsYou can also take legal actionarename (but inourdespise).

• Seourmedical advisors deem it medically necessary to bring youOfreturngrande,usdetermine the most appropriate, practical and reasonable way to do so. This is usually done by a regular airline or ambulance, but if medically necessary, an ambulance or air taxi with trained medical attendants will be arranged.Uscan also fixOfbe admitted to a hospital in Denmark.

• ÖDoctordeal withOfYou must provide a certificate attesting to itOfThey are fit for travel. Without

Therefore, airlines may refuse to carry sick or injured passengers.

• SeOfrefuse treatment or refuse to return to Denmark if theDoctordeal withOfmiourmedical advisors agreeOfare fit to travelusdoes not bear any additional costs or expenses and will not be responsible for any liability for itTravelwill end unlessusagree otherwise.

• In case of disputes betweenourmedical offices andDoctordeal withOf,usyou will get an independent medical opinion.

🗊What do we need if you make a claim?

• Medical evidence ofDoctordeal withOfto confirm illness or injury and treatment

given.

• Original receipts and invoices for all medical treatment and other expensesOfpaid or ready to pay.

• General information in the section “Present a claim” on page B6.

Section 2 - Travel guarantee

If you feel you need to return home sooner, please contact us immediately. Telephone x00 00 00 00 00.

✓What are you insured for?

Usprovides this coverage in the following necessary and unavoidable circumstances:

shortening your trip

SeOfcutyour tripshort-term due to death, serious injury, or serious illnessOf, Arelativeof unotravel companion uspay up30,000 Danish kronertotal per person forarePortion of unused personal accommodation, travel expenses, excursions and other travel expenses that have been paid or have a contractual obligation that cannot otherwise be collected.

Hospitalization by medical indication during the trip

Usgo pay150 danish kronerper day (up to50 diameterbut no more thanareOriginalTravelcosts) if applicableOfthey are in the hospital, locked upyour tripplacement or indulgenceareplannedTravelActivities (for example, a trip, swimming or sunbathing) on ​​the advice of the treatmentDoctoras a result of injury or illnessOfwhile holdingyour trip.Uswill also pay150 danish kronerone day for onefellow traveler(who is insured under this policy) to be togetherOfconOfare limited as described above if a) clinically necessary or b) ifOfare 11 years old or younger.

excursions

Uspay up1 125 danish kronerfor the cost of unused tickets or reservations, ifOfyou cannot join a prepaid tour for treatment adviceDoctoras a result of injury or illnessOfwhile holdingyour trip.

• Any medical condition defined in Health Exclusions (see page B3).

• Something the company or personOfreservedTravelcom (or its agents) responsible.

• More than the minimum market value of equivalent tickets or travel tickets, ifOf

originally purchased using airline miles or a similar point reward system.

• Claims related to pregnancy, except in the case of complications or premature labor (more than 8 weeks before).arebirthdate).

In "Shorter Journey"

• Cutyour tripshort unlessusawake.

• Costs ofOfforgrandedue to illness or injury ifOfno medical certificate was obtainedDoctordeal withOfstating that it was medically necessaryOfforgrandemiusawake.

• Costs ofOfReturn home as a result of aRelativeIllness if the severity of the illness or the final prognosis were known before departure.

• The cost ofareOriginal tickets reserved in advance yesOfI have not used them andusadditional shipping costs paid.

In "Limitation to medical advice during the trip"

• Compensation for days before the visit toDoctor.

• More than the appropriate number of days of service in the table on page B11 ifaredeal withDoctordiagnosedOfwith one of the listed diseases, without specifying the number of daysOfIt must be included in every medical certificate.

🗶What you are not covered

Please note the general exclusions that also apply on page B4.

🛈Special conditions and notes on section 2

•Ofyou must contact emergency services 24 hours in advanceOfreversinggrandeand they must agree on the reason for the cutTravelKurz.

• SeOfhave to cut backyour trip,uscalculates the unused value ofyour tripfrom the date it is requiredOfReturn to Denmark before or on the dateOfgo to the hospital as an inpatient for the restyour trip.

•Uspay without usingTravelcost (but notareunused return ticketsuspaid for new tickets) based on each full 24-hour periodOfthey lost.

🗊What do we need if you make a claim?

• Complete basic detailsOfhad to cutyour tripor were imprisoned on medical advice.

• A medical certificate, completed byDoctordeal withOf(your travel companion,your relativeorelative of your travel companion), confirming, where appropriate:

- To diagnose;

- Full dates and number of daysOfwere hospitalized oryour tripAccommodation;

- Full dates and number of daysOfasked to refrain from implementingareplanned vacation activity (including number of days of care);

- DataOfhe asked them to stopyour trip;

- need onerelativeofellow travelerstay withOfwhileOfmeanwhile locked up

your trip.

• If applicable, a certified copy of the death certificate.

• Written confirmation ofareTransportation and accommodation providers, detailing the non-attributable costs.

• General information in the section “Present a claim” on page B6.

Section 3 - Personal Money and Valuable Documents

❓Meaning of words in Section 3Money

Coins and banknotes that can be legally used as a means of payment in any country.

valuable documents

Money, cards, tickets or vouchers with monetary value (for example, phone cards, gift vouchers, entrance and transport tickets). All must be retained for personal, non-commercial use.

✓What are you insured for?

Uspay up3,000 Danish kronerconyour valuable documentsbe lost or stolen in the processyour trip. Mostuswill payMoneythe total is1,500 Danish kroner.

• An excess of200 danish kroner.

• Loss or theft ofvaluable documentsunless:

-OfNotify the police within 24 hours of discovery and receipt of a written police report;

- Its onarePerson locked in a safe or vault (if available) or locked in accommodationOfuse inyour trip; o

-Ofbe able to produce a bill of exchange, withdrawal slip, or bank or exchange office statement that confirms the amount, currency, and when and whereOfI have thisMoney.

• Losses caused by a drop in exchange rates or shortages caused by currency conversion errors.

• Lost or stolen traveler's checks when a replacement is made.

• More than the minimum market value of equivalent tickets or travel tickets, ifOf

originally purchased using airline miles or a similar point reward system.

• Losses that may arise from the use of credit/debit cards, checks, drafts and account operations.

Please note the general exclusions that also apply on page B4.

🗶What you are not covered

Section 4 - Loss of Passport

✓What are you insured for?

Uspay up2,500 Danish kronerfor the next ifarethe passport is lost or stolen in the processyour trip:

• A temporary replacement passport.

• Any additional travel and accommodation expenses to obtain the temporary replacement passport.

• The remaining amount ofareoriginal passport.

🗶What you are not covered

Any claim unlessOfobtain a letter from the local embassy or consulate whereOfreported the loss.

Please note the general exclusions that also apply on page B4.

🛈Special conditions and notes on Section 4

The salvage value ofareThe pass is based on the current cost of a new pass and for how longareThe original passport would have been valid.

🗊What do we need if you make a claim?

• Written confirmation from the local embassy or consulate where the loss occurred detailing when the passport was lost, reported and replaced.Ofalso obtain a written report from the police.

• Original receipts and invoices for the provisional passport and additional travel and accommodation expenses.

• General information in the section “Present a claim” on page B6.

🗊What do we need if you make a claim?

• A written police report confirming all the details of the loss or theft.

• A written report ofareTour guide or accommodation manager, if applicable.

• Original bill of exchange documents,MoneyWithdrawal receipts or bank or agency statements

Change confirming the amount, currency, and when and whereOfI have thisMoney.

• General information in the section “Present a claim” on page B6.

Stage 5 - Game lost

❓Meaning of words in Section 5point

The ferry port where:

•areeasy ferry ride toaredestiny begins;

• Start of a possible connecting trip by ferry, ifyour triphas more than one goal or connection; either

•arereturn by ferrygrandebegins (including subsequent transportsOftake after).

✓What are you insured for?

Uspay up30,000 Danish kroner(but no more than the originalTravelcosts) for additional travel and accommodation costsOfforyour tripgoal oneareoutbound trip (withinareOriginalTravelquotes) or behindgrandeonearereturn trip if necessaryOflosearegame marked becauseOfdon't get to thatyour starting pointoccasionally by:

• public transport (including regular flights) that do not respect their schedules;

• the vehicleOftrips in case of accident or breakdown; either

• the vehicleOfYou are on the highway when you get stuck in a traffic jam.

• Any claim:

- conOfthere was no time to arriveyour starting point, considering

prevailing or anticipated weather or traffic conditions;

- conOfcould reasonably have made other travel arrangements to get thereyour starting pointpunctual; O

- unlessOfobtain written confirmation of the reason for the delay.

• Delays or cancellations of public transport caused by a riot, strike or labor dispute that has started or has been previously announcedOfboughtarepolicy or reservationyour trip(depending on what comes next).

• Any expenses reimbursed directly by the travel or accommodation providers or the tour operator.

Please note the general exclusions that also apply on page B4.

🗶What you are not covered

Section 6 - Late Check Out

❓Meaning of words in section 6point

The ferry port where:

•areeasy ferry ride toaredestiny begins;

• Start of a possible connecting trip by ferry, ifyour triphas more than one goal or connection; either

•arereturn by ferrygrandebegins (including subsequent transportsOftake after).

✓What are you insured for?

Uspay up900 danish kronerconarereserved raft don't be latepointwhy:

- a strong fire, storm or flood damages thepoint;

- labor dispute;

- bad weather; either

- mechanical failure of the ferry.

Uspay the following amounts depending on the periodOfthey are lateyour starting point:

Duration of the delay Amount to be paid

2-6 hours300 danish kroner

6-12 hours600 danish kroner

more than 12 hours900 danish kroner

🗶What you are not covered

🛈Special conditions and notes on Section 5

• OfYou must obtain written confirmation of the reason for the delay, for example a breakdown service report ifareVehicle breakdown, police confirmation of unexpected road or road closures, or confirmation from a public transport provider that the service did not work on time.

•Ofyou should plan to get to the check-in counteryour starting pointat least 3 hours before the scheduled departure time or the time specified in the carrier's written instructions (whichever is longer).

🗊What do we need if you make a claim?

• Complete detail of the circumstances causedOfmissarefit.

• Written confirmation of the reason for the delay, eg. B. Failure service report, if applicableareVehicle breakdown, police confirmation of an unexpected highway or highway closure, or confirmation from the public transport provider that the service was not provided on time.

• General information in the section “Present a claim” on page B6.

🗊What do we need if you make a claim?

• Anything caused byOfdo not registerpointAndOfI should have.

• Any delay caused by a strike or strike that has started or has been previously announcedOf

reservedyour tripthe boughtarePolitics (what happens next).

• Any claim whereOffailure to obtain written confirmation of the reason from the shipping company

for the delay and the actual time of departure.

Please note the general exclusions that also apply on page B4.

• Written confirmation from the transport service provider or their handling agent showing the details

planned and actual departure times and why the departure was delayed.

• General information in the section “Present a claim” on page B6.

Section 7 - Personal Liability

✓What are you insured for?

Uspay up3,000,000 Danish kronerconOfaccidentally injuring someone or damaging someone else's propertyyour tripand are legally responsible.

• An excess of1,000 danish kroner.

• Exemplary fines or damages (fines intended to penalize or penalize the person responsible,

instead of awarding compensation to the victim)OfYou have to pay.

• Any costs incurredOftake responsibility for somethingOfthey were not responsible.

• Liability for one of the following cases:

- Death or injury of people who work forOf, Afellow travelerof unorelative;

- Loss of or damage to property, including temporary vacation accommodations, owned byOf, Afellow traveler, Arelativeor someone who works forOf;

-They areBusiness, trade, profession, work or any other activityOfdo for financial reasons;

-They areengage in physical labor of any kind; either

-Ofpossess, use or control:

• Animals;

• Firearms (excluding sporting weapons, used in a controlled environment and properly

supervised - for example target shooting);

• Motorized or mechanical vehicles and trailers attached to them;

• Avion; O

• Motor vehicles or sailing boats (see “Special Conditions and Notes in Section 7” ifyour tripit is an organized trip by boat or sailboat).

Please note the general exclusions that also apply on page B4.

🗶What you are not covered

Section 8 - Legal Fees

❓Meaning of words in Section 8Complain

work made byarelawyerareDefending.

✓What are you insured for?

Uspay up100,000 Danish kronercourt costs forOfI need to hire a lawyerComplainif there is a complaint against youOf, and their factsOfthe defendants are not subject to the criminal law of that country.

🗶What you are not covered

• An excess of1,000 danish kroner.

• Any claim:

- uninformedusup to 90 days after the event giving rise to the claim;

- includeComplainbetween members of the same familyrelative, Afellow traveler, the one ofareEmployees;

- if another insurer or service provider has refusedareAccident or insufficient coverage;

- to a travel agency, tour operator or carrier,us,the insurer, Othersinsuredby this Policy orouragents;

- with reference toareProfession; the

- includeareuse or control of a motor vehicle.

• Legal costs awarded as personal punishmentOfoareLawyer (for example, for breach of judicial rules).

Please note the general exclusions that also apply on page B4.

🛈Special conditions and notes on Section 7

•SeOfuse a motor vehicle or mechanic while inyour trip,Ofyou should take care of it

Ofpurchase the necessary insurance as it is not covered by this policy.

• Ofoarepersonal representatives must sayusas soonOfoarePersonal Representatives are aware of a potential legal claim, legal proceeding, investigation, or violation that may give rise to a claim under this Section.

• Ofwill not act, pay, account for, admit or deny the liability of any other person without first doing so

Receptionourwritten approval.

•Seyour tripis an organized holiday by boat or sail,OfYou are only covered for loss or damage that occurs when the ship is not in motion.

•Ofis not responsible for damage caused by prolonged wear and tear on the property of third parties.

🗊What do we need if you make a claim?

• A detailed description of the circumstances surrounding the claim, including photographs, video, and medical evidence, if applicable.

• Complete details of all police and witness reports (with written explanations where available).

• Any warrant, subpoena or other correspondenceOfreceived from anyone elseareclaim.

• General information in the section “Present a claim” on page B6.

🗊What do we need if you make a claim?

• A detailed description of the circumstances surrounding the claim, including photographic and video evidence (if available) within 90 days of the event giving rise to the claim.

• Any warrant, subpoena or other correspondenceOfreceived from anyone elseareclaim.

• Submit full witness details, including written statements if required.

• The invoice and receipt of all expenses paidareAttorney within 30 days of payment.

• General information in the section “Present a claim” on page B6.

Section 9 - Vehicle Rental Excess/Deposit Protection

❓Meaning of words in Section 9barco

A motorboat or sailboat owned and used by a licensed charter companyOfoneyour trip, whichOfagreed to rent them according to the termsareRental agreement.

Motor vehicle

A moped, motorcycle, car, van, or passenger-carrying vehicle owned by a licensed rental company or agency that you wish to rent under the terms of your Rental Agreement. The vehicle must:

• not be more than 10 years old and have not held more than 9 positions;

• not be a motor home, camper, commercial vehicle, minibus, taxi or driving school vehicle;

• are valued at a retail purchase price of less than DKK 550,000.

rental period

The dataOfmanaged to set it upMotor vehicleobarco, as confirmed inarewash

Agreement. Rentals booked for more than 31 days are not covered.

✓What are you insured for?

Uspay up10,000 Danish kronerin total for the following:

• For the reimbursement of the requested deductibleareRental car insurance or loss of deposit due to damage to windows, tires, roof, and landing gear if theMotor vehicleAccidentally damaged, involved in an accident, stolen, damaged by fire, or vandalized in the processrental period.

• For the reimbursement of the requested deductibleareBoat rental insurance or loss of deposit due to damage to the hull of a boat if thebarcoaccidentally damaged or involved in an accidentrental period.

🗶What you are not covered

🛈Special conditions and notes on Section 9

UsOnly consider the excess or loss of deposit as a result of repair costsaredamagedMotor vehicleobarcoin the settlement. Expenses such as car rental, bonus for no claims or compensation for loss of useMotor vehicleobarcowill not be considered. This is not car or boat insurance. This section was created to complement the automobile or boat insurance issued by the rental company.Of.

🗊What do we need if you make a claim?

• A copy ofarerental agreement

• Landlord damage report and repair bill confirming details of damage

damage and repair costs.

• A copy of the driver's license of the person driving the vehicleMotor vehicleat the time of the accident.

• Detailed description of the circumstances that led to the accident/damageMotor vehicleobarcoincluding photos and video evidence (if available) and a written police report, if applicable.

• Submit full witness details, including written statements if required.

• General information in the section “Present a claim” on page B6.

• Admit usarerentedMotor vehicleobarco, while participating in professional sports activities or races.

• Any claim derived from itOfFailure to comply with the terms and conditions ofarelandlord rental agreement.

• More than the stated deductible inareRental agreement.

• Damage when leaving the public highway.

• Lost key.

• Damage inside the vehicle.

• Improper refueling.

• Mechanical breakdown of the insured vehicle and related salvage expenses.

• General wear.

Please note the general exclusions that also apply on page B4.

Section 10 - Travel Assistance - Optional

Please note that this section of the insurance is only available if you have paid the additional premium and it is reflected in your policy. If your vehicle breaks down and you need assistance, you should contact us immediately. Phone x00 00 00 00 00

❓Meaning of words in Section 10discrimination

Electrical or mechanical breakdown, traffic accident, damage or destruction by fire or attempted theft

or loss of keys, which means that the insuredvehiclecan not move

vehicle

The vehicle you driveOfoneyour tripVonYour housethe country is covered. The vehicle must:

- under 12 years of age on the dateOfbuy the policy;

- maintained in roadworthy and roadworthy condition and repaired in accordance with the manufacturer's instructions

Specifications.

- no more than 3,500 kg in weight, 7 meters long, 3 meters high or 2.25 meters wide.

- a car, motorcycle (more than 120cc), motorhome, minibus, van, van or 4x4 SUV. Regardless of this, caravans and towed trailers are not insured.vehicle.

✓What does roadside assistance cover?

UsArrange and pay for roadside assistanceyour vehiclenot event

to onediscriminationVonarescheduled departure date for the duration ofyour tripup to an overall damage cap of1,500 Danish kroner. Both labor costs for emergency on-site repairs and towing costs for thevehicleor have it towed to the nearest service station where the damage can be assessed.

Accommodation

If the shop estimates that the repairs toyour vehicleIt will take more than eight hours.usit coversarereasonable and necessary costs for additional emergency accommodation costsOfotherwise I would have spent550 Danish crowns,-per insured and night, up to max.2 nights.

🗶What you are not covered

🛈Special conditions and notes on clause 10

• You must report any theft or damage to the police within 24 hours of discovery and request a written report. In the event of a traffic accident, you should also report it to the police.

• Usreserves the right to refuse to provide or arrange assistance services in case ofOfThey are not present at the scene of the breakdown or accident.

• Uswill arrange and cover the cost where possible. Whereourguarantee is not acceptedOf

you must pay and claim these costsarereversinggrande.

• Uscannot guarantee that towing to a local garage will take place within opening hours or that the garage will be available to make any necessary repairs immediately.

• SeOfinsist on counterauthorizing time-consuming or expensive repairsourAdvice,usreserves the right to refuse other services.

• Uslook for a cost guarantee only within the limitsuscover andOfYou must reimburse the workshop for additional costs or replacement parts. Repair costs may differ from those in Denmark and may be more expensive.

• SeOfyou are not the owner of the vehicle,OfYou must check with the owner before authorizing repairs.

• SeOfask for help whenarethe vehicle is in a ditch, stopped on soft ground, sand or gravel, or stuck in water or snow, any recovery to a safe placeusarrangeOfI will be therearecost.

🗊What do we need if you make a claim?

• Maintenance test and regular serviceyour vehicle.

• Details of failures or damages

• A police report if you are involved in a traffic accident or if your vehicle is stolen or damaged

a third

• Any cost of spare parts, tires, windows, fuel, lubricants or other fluids, keys or

other materials.

• All labor costs not associated with on-site curbside repair.

• Minor repairs, paint damage or other cosmetic or air conditioning repairs or air conditioning failures that do not affect mobility or safetyyour vehicleor make driving unsafe.

• Anydiscriminationdue to negligence in the maintenance or repair of thevehicleaccording to manufacturer's guidelines.

• The costs of a locksmith or other specialist (eg bodywork, tires or glass).

• Any costs that arise as a resultOfdo not carry a spare set with youvehiclekey or something elsevehicleAccess device (if provided by manufacturer) and legal replacement wheels and tires or an "Instant Mobility System" if included with thevehicle.

• Any costs incurred when thevehicleit is overloaded, it is used in rallies, off-road driving, in races

Racetracks, at the Nürburgring or for motor sports.

• Meals, drinks, phone calls and newspapers or any other expenses incurredOfoare

Party. You must clarify this directly with the hotel prior to departure.

• CuestaOfI had paid, I had no problem with thatyour vehiclehappened.

Please note the general exclusions that also apply on page B4.

Legal and regulatory information

This policy is available forResidentOnly from Denmark. This is not available to residents of Greenland or the Faroe Islands.

insurer

They areTravel insurance is provided by AWP P&C S.A. – Dutch branch doing business as Allianz Travel Europe, an insurance company licensed to operate in all EEA countries and having its registered office at Xxxxxxxxxxxxx 0, 0000 XX Xxxxxxxxxx, xxx Xxxxxxxxxx. AWP P&C S.A. – The Dutch branch under company identification number 33094603 is registered with the Netherlands Authority for Financial Markets (AFM) under number 12000535 and authorized by L'Autorité de Contrôle Prudentiel et de Résolution (ACPR) in France.

right of withdrawal

SeareThe cover is not respondingarerequirements, notify Stena Line (x00 00 000 000oxxxxxxxxx.xx@xxxxxxxxx.xxx) within 14 days after paymentareaward and receiptareConfirmation of insurance by email.

They areThe price will be refunded unlessOfYou have traveled, you have made a claim or an incident has occurred that may give rise to a claim. In this case no refund is due.

RealiseareAfter this first period of 14 days, the right of withdrawal expires.

Privacy and personal data

UsLIDARarecarefully the personal data. When collecting, processing and using personal dataus

follow the data protection regulations of the European Union.

•OfButit becomes apersonal data whenOfApply for insurance and whenOffile a complaint.Usmay use this data during the term of the insurance contract for the acceptance, execution and administration of the insurance contract, claims processing, customer relationship management, customer research and marketing activities (these activities focus on the creation, maintenance and improvementoura relationship withOf).

• SeOfacceptusyou can also usearepersonal data for analysis, product development and collection of management information.

• Other than that,usto usearepersonal data to prevent and combat fraud and to comply with legal obligations.Usmay share personal information with industry regulators, regulators, fraud prevention agencies, and claims databases for insurance and fraud prevention purposes.UsI can offerareInformation to third parties when required or permitted by law.

•Uscan exchange informationourAffiliates, subsidiaries, business partners and other members of the Allianz Group. This may involve the transmission of informationOfto countries outside of the European Economic Area which may have limited or no data protection laws.UsAlways take appropriate protective measuresarepersonal data andushave taken appropriate steps with these companies to address thisaredata carefully.

• The emergency center provides immediate assistance in the event of hospitalization, serious accident or death. If the emergency call center deems it necessary, it may request information from the insured, relatives, service personnel and/or treating physicians. You can share this information with people involved in emergency services. It will also pass this information on toourmedical consultant.

• To the extent permitted by lawuscan record phone calls, souslater you can check what information has been provided.UsYou can also use these recordings for employee training and quality control.ourServices.

OfYou have the right to request a copy of the personal data thatuscling toOf. SeOfIf you wish to exercise this right, please contactusvia: xxxx-xxxxxx.xxxxxxx@xxxxxxx-xxxxxxxxx.xx.xx

International Sanctions

This policy may not provide coverage or benefit to the extent such coverage or benefit violates any applicable United Nations, European Union, or other applicable economic or commercial sanction, law, or regulation.UsReject claims against individuals, companies, governments, and other parties that are prohibited from doing so by national or international agreements or sanctions.

applicable law

Unless otherwise agreed, Danish law applies and all communications in connection with this policy will be in Danish or English. In the event of a dispute in connection with this policy, the Danish courts will have exclusive jurisdiction, unless the parties agree to another way of resolving the dispute. Questions or complaints should first be directed to the Falck Global Support Complaints Department. YeahOfare not satisfied with the handling of a complaintOfshould writeAnkenævnet für Forsikring, Xxxxx Xxxxxxxxxxxxx 0, 0000 Xxxxxxxxxx, Xxxxxxx.

glossary

When the following words and phrases appear in the Insurance Document or Insurance Confirmation email, they have the meanings set forth below. These words are in bold.

coverage area

Ofwill not be covered ifOfTravel abroadEuropa: Albania, Andorra, Austria, Balearic Islands, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Corsica, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece (including Greek islands), Hungary, Ireland ( Republic), Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Russia-West-Urals, Xxx Xxxxxx, Serbia, Slovenia, Slovakia, Spain, Sweden, Switzerland, Ukraine and the United Kingdom (including the British Isles).

claims processor

Falck Global Assistance provides medical assistance and claims on behalf of

insurer.

computer system

Any computer, hardware, software, or communications system or electronic device (including, but not limited to, smartphones, laptops, tablets, handheld devices), servers, clouds, microcontrollers, or similar systems, including all input, output, data storage and associated network devices or backup facility.

Cyber-Risk

Any loss, damage, liability, claim, cost or expense of any kind caused, contributed to, in consequence of, or arising out of or arising out of, directly or indirectly, any of the following:

• Any unauthorized, malicious or illegal act or threat of such act(s) involving the access, processing, use or operation of anycomputer system;

• Any errors or omissions in connection with the access, processing, use or operation of anycomputer system;

• Any lack of availability or partial or total failure in access, treatment, use or operationcomputer system; o

• Any loss of use, loss of functionality, repair, replacement, restoration or duplication of data, including amounts related to the value of such data.

Doctor

a legal expertDoctorthat have the required certification in the country where they are currently located

practice. This person must not be relatedOfor anyOfthey are on their way

excess

the deductionuswill pay the amount that would otherwise be payable under this policy for eachinsured, for each section, for each claim.

lar

WoOfHe normally lives in Denmark.

insurer

AWP P&C S.A. - Dutch subsidiary operating as Allianz Travel Europe.

insurance period

- return tickets

• Coverage of all sections begins at the beginning ofyour tripand ends at the endyour trip.

• All coverage begins on the start date specified in your insurance confirmation email and ends on the expiration date specified in theareInsurance confirmation email unlessOfI can not finishyour tripas scheduled due to death, illness or injury or ifarethe booked transport is delayed and this cannot be avoided. Under these circumstances,usextend insurance coverage free of charge up toOfyou can complete this to some extentTravel.

- One way ticket

• Coverage of all sections begins at the beginning ofyour tripand ends at the endyour tripor 14 days later, whichever comes first.

• All coverage begins on the start date specified in your insurance confirmation email and ends on the expiration date specified in theareInsurance confirmation email unlessOfI can not finishyour tripas scheduled and within 14 days of death, illness or injury or ifarethe booked transport is delayed and

That can not be avoided. Under these circumstances,usextend insurance coverage free of charge up toOfhe can

finish reasonablyTravel.

Relative

They areMother (Nogro), Father (Nogro), xxxx xxxxxx (Nogro), Sister (Nogro), Brother (Nogro), Wife, Husband, Son (Nogro), Daughter (Girl), Stepson, Adopted Son, Grandfather, Grandson, Uncle , Aunt, Nephew, xxxxx, Cousin, Partner (including stable union and civil partnership) or Fiancé.

residents

A person whose principalgrande, and is registered in aDoctor, in Denmark and it did not happen

more than 6 months abroad in the year prior to the issuance of the policy.

roadside assistance provider

Falck Räddningskår AB, que proporcia asistencia en carretera en nombre de Roadside Assistanceinsurer.

travel partner

Anyone booked to travel withOfoneyour trip.

Travel

- return tickets

Any return travel (excluding business travel) made during theinsurance periodmi

starts and ends fromYour house.

• Any other trip starting afterOfthe back is not covered.

• A trip booked with a duration of more than 45 days or the contractually agreed period (whichever is shorter) is not insured.

- One way ticket

All travel (excluding business travel) that takes place during theinsurance periodand startsYour houseand ends inYour houseor 14 days after departure, whichever occurs first.

• Any other trip starting afterOfthe back is not covered.

• A trip booked for more than 14 days is only insured for the first 14 days.

Us,our,us

Europe Travel Alliance.

Of,are,yourself,insured

Up to 5 passengers who appear in the insurance confirmation email that the corresponding insurance has been taken out

premium was paid.