CODAN Travel Insurance
§ 1. Introductory provisions
Applicable from 13 May 2011.
1.0 Who is insured?
The insured are the persons named in the policy/premium
invoice or the tour operator’s confirmation or the group of
persons defined in the insurance certificate if the insurance
premium has been paid (hereinafter “the insured”).
1.1 When does the insurance begin and end?
The insurance covers from the date of payment of deposit/rent
amount to the rental agency and until the beginning of the
rental period. However, the holiday home tenant insurance
covers until the end of the term of the rental agreement.
§ 2. Excess waiver cancellation insurance
2.0 Which types of claims are covered by the insurance?
The insurance covers situations in which completion of the
scheduled trip is not reasonable, when the insured or a risk
person is affected by one of the following events during the
period covered by the insurance:
- Death
- Acute illness/injury
- The insured’s dog is affected by acute illness/injury
- Acute deterioration of existing illness
- The insured develops a vaccine-induced allergic reaction
- Pregnancy
- Substantial damage to property belonging to the insured
caused by fire, acts of God or an intentional criminal act
committed by a third party
- The insured’s loss of employment or an accompanying risk
person’s loss of employment due to unexpected termination of
employment by the employer attributable to operational
conditions
- The insured’s or a fellow traveller’s taking up employment if
the person in question was unemployed when the trip was
booked, and the job centre has approved the trip
- Late arrival due to a close relative’s acute illness/injury
Risk persons are defined as:
- The insured’s close relatives
- One of the insured fellow travellers
- Persons having under their care non-accompanying minors
or relatives requiring care
- Persons who, together with an insured, have booked and
insured the trip and their relatives
2.1 What does the insurance cover?
- If the trip is not commenced, the insurance covers the
expenses payable by the insured to the rental agency under the
rental agreement.
- In the event of late arrival for the trip due to the causes
mentioned in clause 1 (Which types of claims are covered by
the insurance?), the insurance covers any unused days of
holiday at the price of the trip per day. A day of holiday will only
be considered to be unused in case of arrival after 12:00 noon.
- In the event of late arrival due to a public transport delay
having a duration of more than two hours, the insurance covers
the documented additional expenses to commence the trip –
such amount not to exceed the cost of cancelling the entire trip.
2.2 Conduct in a claims event
Codan’s liability to pay compensation is conditional on the
insured:
- immediately after the claims event has occurred cancelling the
trip to keep the cost of cancellation as low as possible;
- submitting the rental agreement from the rental agency;
- obtaining from a treating doctor a medical certificate with a
diagnosis (payable by the insured) and on request providing
Codan’s medical doctors access to all relevant medical records,
including information about past illnesses. In the event of
interruption, the insured must consult a doctor at the place of
sojourn before leaving. In the event of death, a copy of the death
certificate must be enclosed;
- submitting a copy of the notice of termination in the event of
loss of employment;
- submitting a confirmation from the job centre of acceptance of
the booked trip as well as the new employment contract as proof
of the new employment relationship on taking up employment;
- obtaining from a treating veterinarian a medical certificate with
a diagnosis (payable by the insured);
- Exclusion: The insurance does not cover prepaid hotel and
transport expenses in connection with late arrival.
§ 3. Holiday home tenant insurance
In addition to the cover described in clause 2 “Excess waiver
cancellation insurance”, the insurance covers:
3.0 Interruption
In the event of interruption of a holiday due to one of the causes
mentioned in clause 2.1, the insurance covers any unused days
of holiday at the price of the trip per day. In the event of
interruption after 12:00 noon, compensation will be paid from the
next day. The insurance also does not cover any transport used.
3.1 Contents-Liability
Scope of cover:
The insurance covers the liability incurred by the insured under
the rental agreement for any damage caused to the contents of
the rented holiday home during the period of insurance, including
damage to fixed glass and sanitary fixtures as well as kitchen
worktops, such compensation not to exceed DKK 8,000,
however.
3.2 Exclusions
The following is not covered by the insurance:
(a) ordinary wear and tear, cracks, scratches, fouling or gradual
deterioration;
(b) theft committed by the insured or the insured’s guests;
(c) liability for damage caused intentionally;
(d) liability for damage caused by the insured while in a state of
self-induced intoxication or under the influence of narcotics or
other intoxicants, if the intoxication is a significant contributory
cause of the damage;
(e) damage caused by other domestic animals than a dog.
(f) damage caused to bicycles and boats and water sports
equipment, including windsurfing boards, surfboards, rowboats,
canoes and kayaks and elements of such;
(g) cosmetic damage to bowls and basins, including spas and
jacuzzies;
(h) damage to swimming pools and the water in such.
3.3 Sum insured
(a)The insurance covers by an amount of up to DKK 75,000 for
damage to contents caused during the period of insurance.
3.4 Excess
An excess of DKK 500 per claim is payable.
3.5 Calculation of insurance payout
(a) Compensation for house contents damaged beyond repair is
calculated according to the following principles: Items which are
less than two years old and which were generally undamaged
before the claims event occurred are covered at the
replacement cost of similar new items. Items which are older
than two years are covered based on the replacement cost of
similar new items less 10% for each year or part of a year from
the time of purchase of such items. The amount covered for
such items will be at least 20% of the replacement value.
(b) The company may elect to have damaged items repaired or
pay an amount corresponding to the diminution in value.
(c) The company has a right, but not a duty, to pay
compensation in kind.
3.6 Acknowledgment and admission of a claim for compensation
The company only has a duty to pay for expenses incurred with
the company’s approval. The insured’s acknowledgement or
payment of a claim for compensation does not impose a duty on
the company. By acknowledging liability, the insured may risk
having to pay compensation.
3.7 Conduct in a claims event
In the event of a claim, the insured must immediately file a
report with the rental agency with the required documentation
attached. In the event of damage to contents, the insured must
acknowledge such damage.
3.8 Double insurance
The insurance does not cover expenses covered by other
insurance.
3.9 Subrogation
If a claim is covered by property insurance, the tortfeasor’s
liability under the Danish Liability for Damages Act and thus the
liability insurance cover will lapse, unless the damage was
caused by intentional or grossly negligent conduct.
4. General provisions
4.0 Complaints Board
In the event of any disagreements between the insured and
Codan about the insurance, and if a second enquiry to Codan
fails to produce a satisfactory result, the insured may file a
complaint with:
The Danish Insurance Complaints Board
Anker Heegaards Gade 2
DK-1572 Copenhagen V
Denmark
Tel. +45 33 15 89 00 (between 10:00 a.m. and 1:00 p.m.)
Complaints to the Complaints Board must be filed on a special
complaints form, and a small fee must be paid.
The complaints form and giro form for payment of the fee may
be obtained from:
(a) Codan
(b) The Danish Insurance Complaints Board
(c) The Danish Insurance Association
Amaliegade 10
DK-1256 Copenhagen K
Denmark
Tel. +45 33 13 75 55 (between 10:00 a.m. and 4:00 p.m.)
4.1 Jurisdiction and venue
Legal actions against Codan may be instituted before the
insured’s home court or before the District Court of Copenhagen
or the Danish Eastern High Court.
Note
In the event of an accident, a report must be filed with the rental
agency immediately. After registration of the claims report, the
rental agency will send the claims report to Codan for claims
processing and payment of compensation, if relevant.
4.2 Definitions
- Acute illness/injury. Acute coverable illness/injury means a
newly developed illness/injury, reasonable suspicion of a newly
developed serious illness or an unexpected deterioration of a
pre-existing or chronic illness.
- Contents. Contents means any movable property normally
belonging in the holiday home, such as music system, tv,
video/DVD players, paintings, movable lamps, landline
telephones, garden tools, kitchen furnishings and rugs.
- Cover for fixed glass and bowls and basins. Cover for fixed
glass and bowls and basins includes only damage to the
building’s fixed glass, ceramic hob glass, toilet pans, flushing
cisterns, wash basins and spa bathtubs, jacuzzies and ordinary
bathtubs.
- Close relatives. Close relatives means spouse, cohabitant,
children, stepchildren, foster children, parents, stepparents,
foster parents, siblings, stepsisters and stepbrothers or foster
sisters and foster brothers.
- Price of trip per day. Price of trip per day means the rental
amount divided by the duration of the trip in days (day of
departure and day of arrival home are considered as one day).
Stamp duty is payable in accordance with the Danish Stamp
Duty Act.