This contract is subject to the conditions of cover as defined below for the rental of seasonal locations, the duration of which does not exceed 90 days. The benefits of cover come into effect by the signature on the rental agreement and the payment of contributions which we deem appropriate on the same contract, the components of which serve as the basis for compensation.

1. Holiday Cancellation :
The Underwriter guarantees full reimbursement to the Insurer of any down-payments already made, or deposits, and the remaining balance owed if the cancellation of the holiday is caused by one of the following reasons :

a) Serious illness, serious injury or the death of the Insured, or his spouse or of their immediate family, or persons listed in the rental agreement. Illness or serious injury is defined as the complete deterioration of health or a disabling infection which prohibits the Tenant from leaving his place of residence, or place of hospitalisation (where the Insured is undergoing treatment) on the date of the commencement of the rental period : this must be justified by a sick note and precise medical certification and, in addition, for those undergoing therapy and producing documentary evidence of expenses paid for by their Government Benefits Office, expenses are refundable to those with no means of support.

b) Accident leading to serious damage in the home, in a second home or in a business connected with the Insured arising before departure, requiring his presence at the damaged premises on the actual day of departure.

c) Unforeseen difficulties in taking possession of the rented property due to redundancy or transfer of employment of the Insured or his spouse, on condition that notice given by the employer comes into effect at the time of cover.

d) Unforessen difficulties in getting to the resort by road or rail, on the date agreed on for taking possession of the rented premises, and in the forty-eight hours following, due to road blockages or preventative strikes vouched for by the local Mayor in the resort area.

2. Interruption of your Holiday
Rent paid will be refunded if the holiday is interrupted as a direct consequence to one of the events marked (a) and (b) in section marked "Holiday Cancellation".

3. Expenses for Search and Rescue
The Underwriter guarantees payment of expenses for Search an Rescue implemented by an authorized organization to go to the aid of the Insured, his spouse, their immediate family, or persons mentioned in the rental agreement, up to a limit of FF 20,000.

4. Civil Responsability of the Tenant for Damage to Property
The Underwriter will indemnify :
a) In the cases of fire, explosion, lightning, water damage : damages caused to personal property and to the real estate belonging to the owner of the rented property ; material damages to neighbouring properties and those of third parties ; losses of rent for consecutive use (entitlement supplementary to an existing holiday insurance).
This guarantee has a ceiling of FF 10,000,000.
b) Other accidental damages : to personal property proven to be inside the rented property ; and to real belonging to the owner of the rented property.
This guarantee has a ceiling of FF 15,000 with an excess of FF 300.

EXCLUSIONS

Excluded from the guarantees given in this document :

- Damages related directly, or indirectly, to :
- Foreign War : it is up to the Insured to prove that damage was caused by others.
- Civil War : it is up to the Underwriter to prove that damage was caused by Civil War.
- Everything directly, or indirectly, affected by an explosion : caused by the heat, from radiation stemming from transmissions by atoms, or of radiation caused by the explosion of particles.
- All damages not taken to be the civil responsibility of the Tenant.
- All damages to property belonging to the Tenant.
- All damages caused by lamps, fuses, electronic tubes, cathode ray tubes, semi-conductive crystals, heating elements and electric blankets, causes by wear and tear, breakdown of machines or of a mechanical function of a machine.
- The theft of items left in the grounds and gardens.
- The theft of items from the property placed in communal areas open to several tenants or occupants, except in cases of breaking and entering.
- Damage inflicted on items, whilst on the premises, belonging to a third party other than the Tenant, his officials or persons authorized by him.
- Suicide : voluntary and conscious.
- Accidents and illness known of when taking out this contrat.
- Argues, diputes about descriptions of any amenities.
- Redundancy if the related person is own employer or his partner or relative of his.

CLAIMS PROCEDURE

Except in accidental cases or overpowering circuunstances the insured must, within 5 days, inform the Underwriter of all damages.
The Insured involved in a disaster case is refunded the cancellation fees for the holiday, or where the interruption of the holiday is permitted by the Underwriter's doctor and has obtained a medical dossier, whithout which indemnity is not accepted.
You must send to us all test results leading to hospitalisation, certificates for stoppage of work, etc...