In addition to these General Provisions, this insurance shall be governed by the category condition.
Please read the following general terms carefully. They provide precise information concerning the rights and obligations, as well as replies to the questions that may rise.
Article 1. Definition of terms
The following terms shall have the following meanings in these policy conditions:
| “Company” |
: AGA International SA, Dutch Branch, trading as Allianz Global Assistance Europe, with offices at Poeldijkstraat 4, 1059 VM Amsterdam, the Netherlands, registered at the Netherlands Authority for the Financial Markets (AFM) Nº 12000535 and in the Commercial Register Amsterdam Nº 33094603 |
| “Insured” |
: the person stated as driver on the confirmation of booking |
| “Provider” |
: Falck Oy: handles all claims arising under Category I in the name of the Company.
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Article 2. Basis of the insurance
The Company only provides cover for the category for which insurance has been taken out as indicated on the cover overview and/or confirmation of booking. The cover applies up to the maximum amount stated on the cover overview, with due observance of any stated maximum period. An insurance policy only applies to the person in whose name it has been taken out: the sums insured under these insurance policies cannot be combined with the sums insured under any other policy and the insurance policies are non-transferable. Stipulations that apply to one insured person do not necessarily also apply to another insured person, unless this is stated explicitly.
Article 3. Validity of the insurance
3.1.The insurance policy is only valid if it has been taken out prior to the start date of the Car Trawler booking.
3.2.The insurance policy is only valid if it has been taken out for the entire duration of the car hire, specified in the car hire agreement.
3.3. The Company only insures persons who, during the validity term of the policy, are recorded in a Finnish population register as residing or actually staying in the place of residence in Finland, which is also stated on the certificate of insurance.
3.4.The insurance shall not be valid if the Company has already informed the insured in the past not to wish to insure him/ her. In such instances, the Company will refund any premium that has already been paid at the insured's request.
3.5.The category shall be governed by the General Policy Conditions, unless they are deviated from in the category conditions.
Article 4. Validity term, cover period
For category I:
The validity term of the insurance is the number of days the insurance is in effect (maximum 31 days). The validity term is stated on the booking confirmation. The cover begins on the date specified in the hire agreement and ends when th e hired vehicle is returned. Should the total duration of the car hire be longer than 31 days, however, or should no date be scheduled for the end of the car hire, the guarantee will end, ipso jure, 31 days following the beginning of the car hire as indicated on the confirmation of the booking.
Article 5. Area in which the insurance is valid
The insurance shall be valid worldwide (excluding Afghanistan, Belarus, Cuba, Congo, Iran, Iraq, Ivory Coast, Liberia, North Korea, Burma (Myanmar), Sudan and Zimbabwe).
Article 6. Payment or refund of the premium
The day before the validity term commences the insured must have paid the premium to the Company or to an agent appointed by the Company. If the premium has not been paid, the insurance is not valid; however, the insured’s obligation to pay the premium will continue to exist. As soon as the insurance has come into effect the insured shall not be not entitled to a premium refund.
Article 7. General obligations in the event of damage
In the event of damage, the insured or his/her successors must do the following.
7.1. Fully and truthfully fill out the damage form, sign it and send it, together with the booking confirmation, the original in voice of the excess charged by the hirer (or by another insurance company), the police report, a copy of the driving licence of the person driving the insured vehicle and any other documents requested by the Company. The damage form can be obtained from the Company or one of its agents.
7.2. Do anything possible to limit the damage, follow all the advice given by the Company, give full cooper ation to the Company, and not do anything that may damage the Company.
7.3. Transfer all claims for reimbursement (up to the amount of the reimbursement) to the Company. This is only necessary if the Company has not acquired the rights of the insured by paying the reimbursement. The insured shall submit all the evidence of the above-mentioned claims to the Company.
7.4. The insured must submit to the Company the original invoices of the unforeseen expenses, documents and/or official certificates that confirm that the damage has happened and any other documents the Company wishes to have provided.
If the insured fails to fulfil the above-mentioned obligations, the Company will not pay any reimbursement/payment.
Article 8. Place where the damage must be reported
| For Category I:
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Falck Oy |
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Malmin kauppatie 8 A |
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00700 Helsinki |
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Finland |
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Tel : + 358 9 37477430 (09.00 - 17.00) |
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E-mail : claims@falck.fi |
Article 9. Term within which the damage must be reported
If an event for wh ich one is insured occurs, the insured or his/her success or(s) must report this event to the Company within the following term.
9.1. Within 28 days after the end of the validity term (report in writing).
9.2. If the damage is not reported to Falck Oy in a timely manner, the Company will not pay any reimbursement, unless the insured or is/her successor(s) can prove that it was not, within reason, their fault that it was reported late. The right to reimbursement shall at any rate be cancelled irrevocably if the Company has not received the damage report within 180 days after the event at the latest.
9.3. You must assist the Company in obtaining or pursuing a recovery or contribution from a third party or other insurance companies by providing all necessary details and completing forms.
Article 10. General exclusions – cancellation of the right to reimbursement
Above and beyond the exclusions specific to each category, covers stated in all categories of the insurance does not include:
10.1 Damage directly or indirectly resulting from acts of war, including armed conflict, civil war, rebellion, internal civil unrest, riots and mutiny. If the insured incurs damage during the above-mention ed events, which is not related to such events at all, the Company shall only pay a reimbursement if the insured proves that the damage was in actual fact not related to such events.
10.2 Damage which is directly or indirectly related to or caused by the insured's participation in or the conscious attending of a hijacking, strike or act of terrorism.
10.3 Damage which is directly or indirectly related to an attachment and/or confiscation.
10.4 Damage which is directly or indirectly resulting from epidemics and pandemics.
10.5 Damage which is caused by, occurs during or ensues from nuclear reactions, irrespective of how and where the reaction originated.
10.6 Damage which is the consequence of participation in or the committing of an offence or at tempts thereto.
10.7 Damage arising outside the area in which the insurance is valid, or beyond the period of validity of the certificate of insurance.
10.8 There is no entitlement to reimbursement if such circumstances were known or present at the time when the insurance was taken out that it could be reasonably expected that the costs would be incurred.
10.9 The right to payment or damages with regard to the entire claim shall be cancelled if the insured or his/her successor(s) have provided incorrect data or facts.
10.10 The right to reimbursement shall only be cancelled with regard to the part of the claim for which the objects and/ordocumentsrequested by the Company have not been received within 180 days after the request was made.
10.11 Intentional or gross negligence on the part of the insured or the person interested in the reimbursement .
10.12 Participation in misdeeds, rows, fights, dares, participating in expeditions.
10.13 Use of alcohol or other narcotics or stimulants, including soft and hard drugs.
10.14 Participating in competitions and the preparations, such as training.
10.15 Participating in or preparing for speed, record and reliability tests with motor vehicles.
Article 11. Insured for the same risk at various companies
If, without this insurance policy, a claim could be made for a reimbursement or payment pursuant to another insurance policy, law or provision, whether or not of an earlier date, the present insurance policy shall only be valid in the last instance. In that case only the damage exceeding the amount which could be claimed elsewhere will be eligible for reimbursement.
Article 12. Payment of the reimbursements
The Company shall pay the reimbursements to the insured, unless he/she has informed the Company that they should be paid to someone else. If the insured has died, the reimbursements will be paid to the legal heirs.
Article 13. Cancellation of rights
If the insured or his/her successors submit a claim to the Company, the Company shall respond by rejecting the claim or (offering) payment as final settlement. The insured's claim or his/her successors' shall be cancelled 180 days after the Company has announced its position (rejection or payment), unless a dispute has already been brought before the court.
Article 14. Reclaiming uninsured services and/or costs
If the Company has agreed to pay a reimbursement for costs and/or services incurred/granted by the Company or by one of his provider and which are not covered by the insurance cover, the Company shall have the right to reclaim the costs that it has already paid or to set them off against the reimbursements still to be paid. The insured are severally liable and under an obligation to pay the claim within 30 days after written notification. In the event of default the Company will engage a debt collection agency.
Article 15. Personal data
15.1.The personal data provided on the application for, or the modification of, an insurance policy, are processed by the Company forentering into and executing insurance agreements and managing the ensuing relations, which includes preventing and combating fraud and activities aimed at extending the customer base.
15.2 Processing of personal data is governed by Finnish Personal Data Act. The information may be used for evaluate and decide the type of cover required and for market analysis. The information may be passed on to a firm with whom the underwriters are co-operating. The information may be used by underwriters to send information to the customer about the underwriters other products. Underwriters are required by law to report to the authorities in some instances. The customer has the right to demand that underwriters inform the customer about the information they have about him and how such information is used.
15.3 By order of the Company, Falck Oy provides the handling of claims arising from this insurance for category I. If Falck Oy deems this necessary for a concrete request for help, it can ask for data from the insured.
Article 16. Disputes
16.1 Any disputes arising from this insurance agreement shall be submitted to the competent court, unless the parties agree to another way to resolve the conflict.
16.2 This insurance shall be governed by Finnish law. Enquiries or complaints must be made first and foremost to the managing director of Falck Oy. If the insured is not satisfied with the handling of a complaint the insured should write to Vakuutusneuvonta, Porkkalankatu 1, 00180 Helsinki - Finland.
Category I. VEHICLE HIRE EXCESS / DEPOSIT REIMBURSEMENT INSURANCE
These category conditions shall also be governed by the General Provisions, unless they are deviated from in these category conditions.
Article 1. Nature and scope of the insurance
In the event of damage, the Company will repay the insured person any excess charged by the hirer (or by another insurance company). The insurance acts as a supplementary insurance for hired vehicles.
1.1 The insurance covers the excess charged as a result of damage to the hired vehicle or theft of the hired vehicle during the period of hire. A resulting excess is a precondition for compensation.
1.2 If the insured damage in accordance with article 1.1. does not amount to the value of the excess, then the Company will pay the damage, as long as it has involved an insured event.
Article 2. Deductible
In the event of physical damage to the vehicle while parked, the deductible stated on the cover overview applies.
Article 3. Special obligations in the event of damage
In the event of damage to the hired vehicle due to external causes or theft of the hired vehicle the insured shall report this immediately to the local police authorities. If such report is impossible, the insured must report this at the first possible opportunity. The insured shall submit a statement of this report to the Company.
Article 4. Special exclusions
The cover does not include:
4.1Damage to vehicles over 3.500 kg overall weight.
4.2Damage to taxis and driving school vehicles.
4.3Damage to which the insurance provided does not require an excess.
4.4Damage associated with a breach of contract with regard to the car hirer.
4.5Damage occurring on roads that are not public or not official.
4.6Damage to caravans or other types of trailers.
4.7Loss of keys
4.8Theft of article(s) or damage to article(s) as a result of theft or attempted theft
4.9Damage to the vehicle’s interior
4.10Mechanical failure of the insured vehicle and associated recovery costs
4.11Mis-fuelling
4.12General wear and tear
Article 5. Caution Clause
The following case is not eligible for reimbursement:
Normal caution:
If the insured (or the person whose assistance the insured is using) has not observed normal caution to prevent damage to the hired
vehicle. Furthermore the insured should always check the hired vehicle upon receipt to make sure no damage is present.
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How can we help? |
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Allianz Global Assistance Europe |
Allianz Global Assistance Europe |
trade name of AGA International SA, |
is registered in Amsterdam |
Dutch branch |
No. 33094603 |
Poeldijkstraat 4 |
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1059 VM Amsterdam |
AGAE-travelsupport@allianz-assistance.nl |
The Netherlands |
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