This document summarises the main benefits and exclusions of the policy. It does not take into account your specific needs and requests. Full details of this product can be found in the pre-contractual and contractual documentation.
What type of insurance is it?
Multi-risk insurance product no. 303 301 is a temporary contract that offers anyone who has booked a pleasure boat through the CLICK & BOAT website, as well as Océans Evasion, Nautal Smart Sailing SL or Scansail Yachts International GmbH websites, insurance cover in the event of cancellation, as well as personal assistance services, depending on the package taken out.
What is covered?
Cover is provided according to the package chosen
Multi-risk package (Assistance and Cancellation)
Reimbursement of cancellation or modification costs in the case of covered events (limit: €12,000 per rental and €32,000 per event)
Repatriation or medical transport
Medical expenses abroad up to €15,000
Legal expenses abroad up to €10,000
Medical expenses up to €15,000 incl. VAT
Assistance package
Repatriation or medical transport
Medical expenses abroad up to €15,000
Legal expenses abroad up to €10,000
Medical expenses up to €15,000 incl. VAT
What is not insured?
- Trips that have not been booked through CLICK&BOAT.
- Insureds whose main place of residence is not in Europe and Monaco, the United States, Canada, Russia, Australia, New Zealand, the United Kingdom, Argentina, Mexico and Brazil.
Are there any exclusions to the cover?
Main exclusions :
- Suicide or attempted suicide by the insured person
- The consumption of alcohol by a beneficiary and/or the absorption by a beneficiary of drugs and any stupefying substance mentioned in the Public Health Code, not prescribed by a doctor.
- Damage caused by civil or foreign war, riots, civil commotion, use of weapons, or hostage-taking
- Any consequences (check-ups, additional treatment, recurrences) of a condition that gave rise to repatriation in the 6 months before the request for assistance
- Voluntary interruption of pregnancy, in vitro fertilization.
- Participation in any sport carried out on a professional basis or under contract for remuneration, as well as preparatory training.
- Natural disasters
Main restrictions:
- For Cancellation cover: excess of €30 per insured person or 25% of the amount of the cancellation costs with a minimum of €150 per insured person in the event of cancellation following cancellation or change of the holiday date by the employer.
For emergency medical and hospitalization expenses abroad: excess of €60
Where am I covered?
- Assistance / Multirisk cover applies worldwide, excluding North Korea.
The updated list of countries not covered is available on the Allianz Assistance website at the following address
http://paysexclus.votreassistance.fr.
What are my obligations?
If you fail to do so, the insurance contract will be null and void or you will not be covered:
When taking out the policy
Declare the risk to be insured in good faith so that the insurer can assess the risks it is taking on.
Pay the fees indicated when the contract is taken out.
During the term of the contract
Declare any new circumstances that could aggravate the risks covered or create new risks.
In the event of a claim
Notify the insurer of any claim likely to give rise to one of the guarantees within the conditions and time limits laid down, and attach any document that may be useful in assessing the claim.
Inform the insurer of any cover taken out for the same risks in whole or in part with other insurers, and of any reimbursement received in respect of a claim.
When and how should payments be made?
The fees must be paid to CLICK&BOAT on the day the policy is taken out.
When does cover begin and end?
The contract takes effect on the date of subscription and ends on the date of termination of the last applicable cover taken out. Assistance and Multirisk cover take effect the day after payment of the fees at 00:00 and cease 24 hours after the end of the rental period.
How can I cancel the contract?
As this is a temporary contract, it cannot be canceled at the policyholder's initiative.