Gouda part of GjensidigeApplies from May 2021 Holiday homesTerms and conditions of insurance 160.2.B (2)1. Who is insured 2. Cancellation of stay and delayed arrival A. death, serious injury or acute illness affecting you, one of your travel companions or a member of your immediate family. B. illness or injury that contributes to you being unable to perform the intended sport when the main purpose of the travel is a C. breakdown of a relationship, separation or divorce, when the former partner was to accompany the insured on the stay D. pregnancy, and a doctor considers it unsafe to go through with the stay E. you being dismissed less than three months before the start of the stay, when you have been permanently employed for a minimum of least 20 hours a week for at least one year F. you being unable, for medical reasons, to receive a vaccination that is suddenly introduced as a requirement for entering the country you are travelling to G. burglary, fire, storm or water damage in your private home immediately prior to the start of the stay, that renders it completely necessary for you to stay at home H. material damage to your own business immediately prior to the start of the stay that renders it completely necessary for you to stay at home: I. your presence is required as a witness or jury member J. you are attending a resit exam at a higher education institution, and the exam is scheduled during the period of the stay or within two weeks of the expiry of the rental period In case of cancellation, the insurance covers the expenses the insured is required to pay to the lessor in accordance with the rental agreement. In the event of delayed arrival for reasons as mentioned in clause 2 or in the event that - the insured’s or his/her travel companion’s passenger car sustains damage to the extent that the vehicle is unsafe to drive and the repairs cannot be completed within the start of the rental period In the event of illness or injury to other parties than you or your travel companion, the condition for being entitled to compensation is that the illness or injury requires hospitalisation. In the event of death, the condition is that it occurred no more than four weeks before the start of the stay. The insurance does not provide cover: If - you, at the time of booking the stay, knew or should have known about the event/illness that constitutes the reason for the cancellation, and it could reasonably be expected to lead to cancellation - you, at the time of booking the stay, had symptoms of illness or were undergoing a medical assessment due to suspected illness, and it could be reasonably expected to lead to cancellation In the event of an incident that means the stay must be cancelled, the stay must immediately be cancelled with the lessor, and the rental agreement and claims report must be forwarded together with documentation of the incident, for example a medical certificate, police report or similar, when reporting the incident to Gouda. 3. Holiday compensation What is covered 3.1 Interruption A. reimbursement of the price the insured has paid for the days on which the rental object is not used. If the stay is interrupted after 12.00, the compensation is calculated from the next day B. expenses for unused means of transport
What is covered In the event of acute illness or injury sustained during the stay, you have access to medical video consultations via the Eyr app – online doctor’s appointments You can speak to a doctor and be issued prescriptions to be collected at a pharmacy in the EEA or EU, or receive answers to medical questions concerning less serious illness. Read more about how to use the service: https://www.gouda.dk/privat/rejseforsikring/online-laege Use a code to log on. Your code is: ‘OnlinelægeGouda’
5.1 Who is insured 5.2 Cancellation of stay What is covered The insurance provides coverage if you are unable to complete the stay due to the acute illness, injury or death of your dog. In case of cancellation, the insurance covers the expenses you are required to pay to the lessor in accordance with the rental agreement. In the event of delayed arrival for reasons as mentioned in clause 5.2, the cost of the stay is covered for each day of holiday lost for all insured parties. The holiday day is considered lost when the time of arrival is after 12:00. In the event of an incident that means the stay must be cancelled, the stay must immediately be cancelled with the lessor, and the rental agreement and claims report must be forwarded together with a certificate or similar documentation from the vet documenting the reason for the cancellation when reporting the incident to Gouda/the lessor. 5.3. Holiday compensation What is covered In the event that a rental period is interrupted due to a claims event covered by clause 5.2 of the cancellation insurance, the insurance covers: A. Reimbursement of the price the insured has paid for the days on which the rental object is not used. If the stay is interrupted after 12.00, the compensation is calculated from the next day A copy of the rental agreement and a veterinary certificate must be enclosed when reporting the incident to Gouda.
What is covered If your dog suffers acute illness during the stay, the insurance covers expenses for treatment by an authorised vet. What expenses are covered The insurance covers reasonable and necessary expenses for: - out-of-hospital treatment – up to DKK 5,000 The insurance does not cover: A. illness confirmed or under medical assessment at the start of A specified invoice, the claims report and a veterinary certificate must be enclosed when reporting the incident to Gouda.
The insurance does not cover expenses that concern, are due to or have arisen as a consequence of: A. A wilful act or gross negligence
Acute illness/injury: Close family: Price per day of the stay:
8.1. The insurance agreement consists of the - the insurance policy (may be your booking confirmation/rental agreement) and is also regulated by: The insurance policy takes precedence over the terms and conditions of insurance and safety regulations. Special provisions take precedence over general provisions. 8.2. Legislation Insurance operations are subject to two sets of legislation; one sets out rules for the agreement, while the other sets out the rules that apply to the insurance undertaking. Gjensidige is a Norwegian company that is under supervision by the Norwegian Financial Supervisory Authority pursuant to the provisions of the Act relating to Financial Institutions and Financial Groups. Gjensidige must comply with the Danish Insurance Contracts Act and the same consumer protection rules as Danish insurance companies. Danish legislation applies to the insurance agreement. Any disputes concerning the insurance agreement shall be decided under Danish law by a Danish court. 8.3. Guarantee scheme Gjensidige has endorsed the Danish guarantee scheme for general insurance companies (‘Garantifonden for skadesforsikringsselskaber’). The guarantee scheme is intended for private consumers insured by an insurance company that goes into liquidation or who become the opposing party of the company in an insurance case. This means that, if you or your counterparty’s insurance company goes into liquidation, you are covered by the guarantee scheme. It will ensure that you nonetheless receive the compensation you are entitled to. 8.4. Terrorism compensation scheme A new terrorism compensation scheme entered into force in Denmark on 1 July 2019. The act introduces a compensation scheme similar to the storm surge scheme that, in the same way as the previous scheme, covers damage to property, movable property, motor vehicles, railway vehicles and marine vessels, arising from a terrorist attack using chemical, biological, nuclear and radioactive (CBNR) weapons. Compensation under the law is paid by the state subject to joint terms and conditions set out in an announcement issued by the Minister of Trade. The damaged objects must be covered by fire insurance in order to entitle to compensation. Under the law, claims must be reported to the insurance company that provides fire insurance for the damaged items. The company will process the claims and arrange for payment by the state. 8.5. Currency Prices, compensation and interest are calculated and settled in
8.6.1 Policy period The cancellation coverage applies from the first payment of the stay until the start of the stay in accordance with the booking Other coverage applies from the start of the stay until the end ofthe stay in accordance with the booking confirmation/travel document. 8.6.2 Termination in connection with claim The policyholder and the company are entitled to terminate the insurance agreement in writing by giving two weeks’ notice from the time at which a claim is reported until one month after the claims payment has been made or the claim rejected. 8.7. Right of cancellation Under the Danish Insurance Contracts Act, you are entitled to cancel purchases of private insurance policies. The insurance policy is a confirmation of the agreement. You are entitled to cancel the purchase of the insurance. If you cancel the purchase, it is no longer binding. The right of cancellation also applies in the event of material changes to your agreement with the insurance company, for example concerning the amount or scope of cover. If the agreement was entered into through distant selling – meaning that you only had contact with us by phone, letter, email or online – we are entitled to collect the premium for a period from 14 days after the insurance policy entered into force until the date on which you cancel it. The premium, state fee and fees for the period are calculated as a proportion of the full-year price based on the 365-day rule.
The insurance policy and the pertaining terms and conditions constitute confirmation of the agreement. If, for example, you receive the insurance policy on Monday 1st, the deadline is Monday 15th. If you did not receive the additional information until, for example, Wednesday 3rd, the deadline is Wednesday 17th. If the deadline expires on a public holiday, a Sunday, a Saturday, 5 June (the Danish Constitution Day), Christmas Eve or New Year’s Eve, you can wait until the following working day. How to proceed Notify the company that you have cancelled the agreement by the expiry of the deadline. If you want to do it in writing, you only need to send the notice – for example by letter or email – by the expiry of the deadline. If you need documentation that you have met the deadline, you can, for example, send the letter by registered mail and keep the receipt.
8.9.1 Fees The company is entitled to charge fees for full or partial coverage of expenses for collection, payment reminders, debt collection, payments, documents, overviews, duplicates and photocopies, as well as surveys/inspections, shipments and benefits in connection with police work and claims handling. The price is either fixed or calculated as a percentage/hourly rate. The prices are stated on the company’s price list, which can be found on the company’s website or disclosed on request. 8.9.2 Change and introduction of new fees Fees stipulated in existing insurance agreements may be increased or new fees introduced for reasons relating to costs, earnings or marketing. One month’s notice shall be given of fee increases to be applicable from the first day of the month. The changes shall be published on the company’s website. Policyholders shall be notified by letter of the introduction of new fees three months before the annual renewal date. 8.9.3 Public charges Gouda collects charges on behalf of public authorities depending on the insurance taken out. They include the state fee, general insurance fee, environmental contribution and storm surge fee etc. 9. Premium 9.1. Payment of premium The invoice for the premium specifies the due date. The general insurance fee, state fee, environmental contribution and any other public charges are collected together with the premium. The policyholder covers expenses relating to the collection and payment of premium etc. 9.2 Premium due date The first premium shall fall due for payment on the date the insurance policy enters into force, and subsequent premiums shall fall due on the stated due dates. If the first premium is not paid by the deadline, the insurance policy ceases. The company may terminate insurance agreements subject to automatic renewal 14 days after the expiry of the payment deadline. The agreement is terminated by giving 21 days’ notice, unless the premium is paid by this date. If the premium is paid after the due date due to special excusable circumstances, and if the premium and interest and expenses are paid immediately after the special circumstances have passed, the insurance agreement will be valid from the day after the payment.
The company is entitled to change the terms and conditions and/or the premium for full-year travel insurance policies by notifying the policyholder one month before the annual renewal date. If the change is unfavourable to the policyholder, the policyholder is entitled to cancel the insurance by notifying the company in writing 14 days before the date on which the change takes effect. 11. Time-limited insurance Insurance that has been agreed for a limited time period will cease upon the agreed expiry date without further notice. 12. Interest Interest is calculated in connection with claims settlements pursuant to Section 24 of the Insurance Contracts Act. 13. Coverage in other company To the extent special insurance has been taken out for an interest that is otherwise covered by this insurance, the coverage for that interest will lapse. If another insurance agreement that covers the same interest stipulates that liability lapses or is limited if insurance is or has been taken out with another company, this policy will apply with the same proviso. 14. Gouda’s right to terminate the insurance Gouda is entitled to terminate the insurance policy in the event of default of payment, incorrect or incomplete information and on Gouda may also terminate the insurance policy if the policyholder becomes bankrupt/goes into compulsory liquidation or following a claim, provided that the termination is reasonable. This does not apply to life insurance policies. 15.War and serious unrest The insurance policy does not cover injuries to persons or damage to property caused by: - war or serious unrest in Denmark In the case of accident and health insurance, motor insurance and/ or travel insurance, Gouda will nevertheless cover injury to persons and damage to property caused by: - war or serious unrest abroad if the insured person is already in an area in which war or serious unrest breaks out. The insurance will then be valid for up to six weeks from such date. 16. Losses resulting from acts of terrorism Gouda’s total liability in relation to all customers and other claimants in connection with acts of terrorism is limited to a maximum of DKK 1 billion per loss event. All losses that occur within a period of 48 hours are regarded as one event. If the limit per event is exceeded, compensation will be reduced correspondingly. The following objects/interests are not covered if they are directly or indirectly related to an act of terrorism: - Dams, tunnels, bridges, airports, train stations, power stations, buildings with more than 25 stories The limitations outlined above do not apply to travel insurance or accident and health insurance – or personal injuries that fall under the scope of the Danish Road Traffic Act or the Danish Occupational Injury Insurance Act. By act of terrorism is meant an unlawful, tortuous act aimed at the general public, including an act of violence or the hazardous spreading of biological or chemical substances – that is understood to be carried out for the purpose of influencing political, religious or other ideological bodies or to create fear. 17. Hazardous spreading of biological or chemical substances etc. In connection with personal injuries that fall under the scope of the Road Traffic Act or the Danish Occupational Injury Insurance Act, and under travel insurance or accident and health insurance, Gjensidige will cover injury or loss resulting from the hazardous spreading of biological or chemical substances, injuries or losses caused by missiles, nuclear weapons or radiation. The following limitation applies to travel insurance and accident and health insurance: In connection with losses caused by nuclear weapons or radiation, the total liability in relation to all customers and claimants is limited to a maximum of DKK 500 million per loss event. All losses caused by the same event or by a consecutive chain of events are considered one loss event. For other types of insurance, such losses are not covered.
Gouda covers losses or injuries/damage directly or indirectly caused by or related to earthquakes or volcanic eruptions for: - accident and health insurance with the exception of accidental injuries caused by earthquakes in Denmark For other types of insurance, damage/injuries or losses and increased losses or damage/injuries resulting from earthquakes and volcanic eruptions are not covered.
All liability for compensation and other obligations to the insured or other persons covered by this insurance will lapse to the extent that the fulfilment of such obligations, in the company’s assessment, may result in the company being subject to sanctions, restrictions, prohibitions or other legal consequences, warranted by resolutions or other decisions adopted by the United Nations, or sanctions, legislation or other legal consequences adopted by the EU, the UK Read more about international sanctions on the websites of the Danish Business Authority and the Ministry of Foreign Affairs of Denmark.
As a customer of Gouda, a Danish branch of Gjensidige Forsikring ASA, Norway, you have the right to information about how the company processes your personal data. Purpose of data collection The data are collected and processed for the purpose of offering insurance services of any kind, and thereto related advisory What information does Gouda need Disclosing the information is voluntary, but please note that Gouda may require you to sign the declaration of consent for the disclosure of customer data between companies in the Gjensidige group. Disclosure of information Customer data can only be disclosed between the companies to a limited extent, as all the companies are subject to a statutory duty of secrecy. In the declaration of consent, you are therefore asked to consent to the information being disclosed between the Data will only be disclosed to other insurance companies to the extent it is considered necessary in connection with case processing or similar. Right of access You also have a right to know what type of data can be disclosed subject to your consent, the purpose of the disclosure and to whom the information can be disclosed based on your consent. You can apply for access to your data here: https://www.gouda.dk/om-os/ gouda/persondata/indsigt Incorrect information If the processed data contain incorrect or misleading information, the information will be corrected on your request. Please address your enquiries to Gouda. 21. If you are dissatisfied with us Contact us Complaints If the disagreement between you and Gouda concerning your insurance persists, and if a second enquiry to Gouda does not lead to a different result, you may submit a complaint to: Ankenævnet for Forsikring The complaint must be made on a special complaints form, which may be obtained either from Gouda, the Danish Insurance Complaints Board or the Danish Insurance Information Scheme.
Claims can be reported online at https://www.gouda.dk/anmeld-skade#/ or by phone at: (+45) 88 18 66 70 |