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Weekly rentals of villas, apartments, country houses with private pool in Italy

Cancellation Insurance conditions

 

Summary:

- GENERAL CONDITIONS: INSURANCE POLICY AGAINST CANCELLATION PENALTIES OF THE LEASE

- EXCLUSIONS

- OBLIGATIONS OF THE INSURED PARTY IN THE EVENT OF A CLAIM

- CRITERIA FOR LIQUIDATION OF THE DAMAGES

- PROFESSIONAL SECRECY

- EFFECTIVE DATE AND DURATION OF COVERAGE

 

All travelers benefit from a collective insurance policy Europ Assistance, provided by Emma Villas and included in the final price of the reservation, for the only guarantee Lease Cancellation Expenses Insurance.

GENERAL CONDITIONS: INSURANCE POLICY AGAINST CANCELLATION PENALTIES OF THE LEASE

If the Insured Party should need to cancel the stay booked, for reasons or events that can objectively be documented and could not be foreseen at the time of booking, affecting:

  • the Insured* Party him/herself directly and/or his/her family members;
  • the joint-owner of the associated firm/business directly;

Europ Assistance will refund the penalty, applied contractually by the Tourist Operator, for the booking cancellation.

*Insured: the subject whose interests are protected by the Insurance. Are insured the holder of the reservation and all the participants previously declared in the Insurance module of the reservation.

 

EXCLUSIONS

The guarantee excludes cases of renunciation caused by:

  1. misconduct of the Insured Party or serious negligence;
  2. theft, robbery, loss of identification and/or travel/stay/rental documents;
  3. mental diseases and psychological disturbances in general, including cerebral organic syndromes, schizophrenia, paranoia, manic-depressive forms and related consequences/complications;
  4. state of pregnancy or consequent pathological situations in cases where conception was prior to the date on which stay was booked;
  5. injury, illness or death occurring prior to confirmation of the stay;
  6. illnesses that are the expression or direct consequence of chronic or pre-existing pathological situations in place at the time the stay/rental was confirmed;
  7. consequences and/or complications of injuries that took place prior to confirming the stay; 
  8. situations of armed conflict, invasion, acts by foreign enemies, hostilities, war, strikes, uprisings, popular tumult, acts of terrorism, earthquakes, volcanic eruptions, atmospheric phenomena classed as natural disasters, atom nucleus transmutation, radiation caused by the artificial acceleration, radiation caused by the artificial acceleration of atomic particles;
  9. bankruptcy of the Carrier or Travel Agency or Organiser of travel/stay/rental;
  10. epidemics classed as pandemics, of such a severity and virulence as to entail a high level of mortality or to require restrictive measures in order to reduce the risk of transmission to the civil population, quarantine;
  11. deposits and/or advances that are not justified by penalty tax documents;
  12. failure by the Insured Party to send the communication (pursuant to the section “OBLIGATIONS OF THE INSURED PARTY IN THE EVENT OF A CLAIM”) before the travel/stay start date, except for cases of cancellation caused by death or hospitalisation of at least 24 consecutive hours (excluding day hospital and accident & emergency) of a family member.

 

OBLIGATIONS OF THE INSURED PARTY IN THE EVENT OF A CLAIM

In the event of forced renunciation of stay/rental, the Insured Party must:

- within five calendar days of the onset of the cause of the renunciation and in any case before the stay/rental start date, make a declaration - by accessing the portal HYPERLINK "https://sinistrionline.europassistance.it" https://sinistrionline.europassistance.it and following the instructions (or accessing the website www.europassistance.it, claims section, directly)

or

- must send a fax to 02.58.47.70.19, with a written declaration addressed to: Ufficio Liquidazione Sinistri (Annullamento Viaggio/soggiorno) (Claims Liquidation Office (Travel/Stay Cancellation)) - Europ Assistance Italia S.p.A. - Piazza Trento, 8 – 20135 Milan, specifying:

  • first name, last name, address, telephone number, tax code;
  • Europ Assistance card number
  • the reason for the cancellation;
  • place at which the Insured Party or persons causing the cancellation (family member, joint-owner of the associated firm/business) can be contacted; 

If the renunciation to stay/rental is caused by illness and/or injury, the declaration must also specify:

  •  the type of pathology; 
  • the pathology start and end.

Within 15 days of the above declaration, the Insured Party must also provide Europ Assistance Italia S.p.A. with the following documents:

  • copy of the Europ Assistance card if held by the Insured Party;
  • original documentation able to provide objective proof of the cause of renunciation; 
  • documentation showing the connection between the Insured Party and any party causing the renunciation;
  • in the event of illness or injury, medical certificate stating the date of the injury or onset of the illness, the specific diagnosis and days’ prognosis;
  • in the event of hospitalisation, a true copy of the original medical record;
  • in the event of death, the death certificate;
  • stay/rental registration document or similar document;
  • receipts (deposit, balance, penalty) of payment of the stay or rental;
  • billing statement of confirmation as issued by the Travel Agency/Organisation;
  • invoice of the Travel Agency/Organisation in relation to the penalty charged;
  • travel regulation and programme of stay/rental;
  • travel/stay/rental documents (visas, etc.).

Europ Assistance has the right to gain possession of travel and/or rental documents not used by the Insured Party.
Breach of the obligations relating to the declaration of the Claim may result in the loss of a right to Indemnity, in accordance with art. 1915 of the Italian Civil Code.

 

CRITERIA FOR LIQUIDATION OF THE DAMAGES
The penalty charged against the Insured Party will be reimbursed in full, including file management fees, agency fees, fuel adjustments and visas (excluding, in the event of the purchase of a flight ticket, airport taxes that can be reimbursed by the airline) up to the maximum cover; said maximum cover shall not in any case exceed Euro 45,000.00 per file.
It is agreed that individual travel shares will not be recognised.
Europ Assistance reimburses the cancellation penalty: 

  1. in the event of forced renunciation of stay/rental caused by hospitalisation (excluding day hospital and accident & emergency) or death; the penalty will be reimbursed without applying any excess; 
  2. in the event of renunciation not caused by hospitalisation or death, the penalty will be refunded with the application of a deductible amount equal to 20% of the total penalty; if the penalty should exceed the maximum cover, the deductible amount will be calculated on the latter.

It is agreed that the calculation of the reimbursement will be equivalent to the percentages existing as at the date on which the event took place (art. 1914 of the Italian Civil Code). Therefore, if the Insured Party should cancel the trip after the event, any greater penalty will be at his/her expense.

 

PROFESSIONAL SECRECY
The Insured Party releases any doctors, who may be appointed to examine the claim and who examined him before or after the claim, from constraints to professional secrecy with regards to Europ Assistance.

 

EFFECTIVE DATE AND DURATION OF COVERAGE
The guarantee "Cancellation of travel and rental" runs from midnight on the day on which the stay/rental is booked and shall remain in force until the envisaged arrival at the structure booked.

If the Insured Party should need to cancel the stay booked, for reasons or events that can objectively be documented and could not be foreseen at the time of booking, affecting:

  • the Insured Party him/herself directly and/or his/her family members; 
  • one or more Insured participants (provided that their personal data have been previously declared in the Insurance module of the reservation) and/or his/her/their family members;
  • the joint-owner of the associated firm/business directly;

Europ Assistance will refund the penalty, applied contractually by the Tourist Operator, for the booking cancellation.

 

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OPERATORE TURISTICO ITALIANO
Autorizzato dalla provincia
di Siena N. 178974
L.R.T 51/1986

Responsabilità civile
e generale:

GENERALI ITALIA S.p.A
N. 761443833

Emma Villas s.r.l. Unipersonale
Partita Iva 01188760522

Sede legale:
Via Duccio di Buoninsegna, 22
00142 Roma (RM) - Italia

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