Europ Assistance

This document, mod. TO8405, is an extract from the General Policy Conditions signed by the Tour Operators in favour of the insured parties, and is released by the Contractor to inform of the conditions agreed upon with Europ Assistance. The enforceability of this document is subordinated to the validity of the Policy.

Card No.

Medical assistance – Reimbursement of medical expenses – Luggage insurance – Journey cancellation

Pursuant to article 13 of Italian Legislative Decree No. 196 of 30 June 2003 regarding the protection of personal data (Italian Corporation), we inform that:

1. your personal data (the "Data”) shall be treated by Europ Assistance Italia S.p.A. using paper, electronic and/or automated means, for purposes regarding:

a) the handling and execution of the obligations regarding the insurance Policy;

b) fulfilment of obligations of law, regulations or community standards (against money laundering for example) and/or the regulations of public institutes.

b) obligatory according to law, regulations or community standards and/or the regulations of public institutes (1.b).

a) particular subjects, entrusted by Europ Assistance Italia S.p.A. to supply instrumental services or those services necessary for carrying out the obligations of the insurance Policy in Italy and abroad, such as – for example – subjects in charge of handling the archives and data processing, credit institutes, experts, legal medical staff;

b) associated organisations (Ania) and consortiums of the insurance sector, Isvap, legal authorities as well as all the other subjects to which communication is necessary for obtaining the purposes indicated in point 1b;

c) assistance staff, companies controlled by or connected to Europ Assistance Italia S.p.A. or entrusted by same to fulfil the purposes indicated in points 1.a and 1.b in

Italy

or abroad, or other insurance companies for the redistribution of risk (co-insurance and reinsurance);

in addition, the supplied Data can be made known to head or responsible employees and collaborators.

4. The data processor is Europ Assistance Italia S.p.A. You can request the list of data processors, exercise the rights indicated in article 7 of the Italian Privacy Code and, in particular, obtain confirmation of the existence of data relative to yourself from the data processor, communicate same data and request the logic and purposes of the processing, as well as cancel, update and block same data, and oppose treatment for legitimate reasons in writing to: Europ Assistance Italia S.p.A. – Piazza Trento, 8 – 20135 Milan – Data Protection Office.

INSURED: the physical person/people residing in one of the European Union Countries and/or

Switzerland

that has/have purchased a holiday from the Contractor, whose interest is protected by the insurance. Those who reside in a non-European Union country are insured only if they have purchased a holiday from the Contractor that has, as its destination, a European Union country and/or Switzerland.

DAMAGE: any damage suffered by the luggage while the ship is sailing or while the aircraft is flying

LUGGAGE: the suitcase/s, trunk/s and personal objects contained in them that the Insured party takes on the journey.

OPERATIVE CENTRE: the structure of Europ Assistance Service S.p.A., Piazza Trento no. 8 – 20135 Milan, made up of doctors, technicians, and operators. The Centre works 24 hours a day, every day of the year and, in compliance with a specific signed agreement with and on behalf of Europ Assistance Italia S.p.A., supplies a telephone contact point for the Insured party, organising and distributing the assistance indicated in the policy at Europ Assistance Italia S.p.A.’s expense.

CONTRACTOR: the tour operator, with registered and fiscal office in Italy that signs the policy in favour of third parties and takes on the relative duties.

STARTING DATE AND DURATION: the duration of the Insurance for each individual Insured party is equal to the duration of the journey and/or rental communicated by the Contractor to Europ Assistance. The maximum duration of the cover for each period of continuous permanence abroad during the validity period of the Insurance is 60 consecutive days. The “Journey and/or rental cancellation” guarantee is valid from the day of registration for the journey/rental and lasts until the starting day of the journey/rental itself.

TERRITORIAL EXTENSION: the country or group of countries where the journey is to be made, regularly communicated to Europ Assistance, and where the Insured party has suffered the damage that originated the right to the service/guarantee. The territorial extension for Insured parties residing in the European Union or in Switzerland can be:

· in the case of journeys by airplane, train, bus or ship, from the departure station (airport, railway, etc. of the organised journey) until the end of the journey as organised by the contractor;

· in the case of journeys by car or other means not indicated in the previous point, 50 km beyond the place of residence in one of the European Union Countries or Switzerland.

· in the case of journeys by airplane, train, coach or ship, from the arrival date in one of the European Union countries or Switzerland until the departure date from one of same countries when the journey ends;

· in the case of journeys by car or other means not indicated in the previous point, upon crossing of the border and Customs of one of the European Union countries or Switzerland are crossed.

EUROP ASSISTANCE: Europ Assistance Italia S.p.A. – Piazza Trento, 8 – 20135 MILAN. A company authorised to work with insurance by Decree of the Italian Ministry for Industry, Commerce and Crafts, No. 19569 of 2 June 1993 (Official Gazette No. 152 of 1 July 1993).

THEFT: a crime, as indicated in art. 624 of the Italian Penal Code, perpetrated by anyone who takes possession of a mobile thing belonging to someone else and removes it from them, in order to make profit, either personal or for others.

GUARANTEE: insurance that does not fall within the assistance insurance for which, in case of accident, Europ Assistance reimburses the damage suffered by the Insured party.

ACCIDENT: a violent and external accident caused by chance that produces objectively ascertainable body injury.

CARE INSTITUTE: a public hospital, clinic or nursing home, both operating within the National Health Service and private, regularly authorised to hospitalize ill people; spas, convalescent homes and day homes are excluded from the insurance.

ILLNESS: any alteration in the health of a person that does not depend on accidents.

UNEXPECTED ILLNESS: illness with an acute source, that the Insured party was not familiar with and which is not a manifestation, even if unexpected, of a previous illness known by the Insured party.

PRE-EXISTING ILLNESS: an illness that is the expression or the direct result of pathological situations, chronic or pre-existing, that were known when the guarantee started.

MAXIMUM INDEMNITY: the maximum amount established in the policy and up to which Europ Assistance issues sums for the guarantee and/or the expected service.

SERVICE: assistance that Europ Assistance gives to the Insured party through the Operative Centre in a moment of need.

ROBBERY: a crime, as indicated in art. 628 of the Italian Penal Code, carried out by anyone who uses violence or menace to take possession of mobile things belonging to someone else and removes it from them to procure unjust profit, both personal and for others.

BAG-SNATCHING: a crime, as indicated in articles 624 and 625 No. 4 of the Italian Penal Code, carried out by anyone who takes possession of mobile things belonging to someone else, removing same thing/s with dexterity, in other words snatching the thing from the hand of or from behind the person, in order to procure unjust profit, both personal and for others.

DAMAGE: a single fact or occurrence that can arise during policy validity and which determines the request for assistance, reimbursement or compensation by the Insured party.

UNINSURED PERCENTAGE: the percentage of the amount of the damage that remains obligatorily at the cost of the Insured party, with a minimum expressed as an absolute value.

· in the case of journeys by airplane, train, bus or ship, from the departure station (airport, railway, etc. of the package tour) until the end of the journey as organised by the contractor;

· in the case of journeys by car or other means not indicated in the previous point, 50 km beyond the place of residence in one of the European Union Countries or Switzerland.

· in the case of journeys by car or other means not indicated in the previous point, upon crossing of the border and Customs of one of the European Union countries or Switzerland are crossed.

Only one of each type of VIAGGI TOUR OPERATOR services are supplied during the journey. The “Medical Expenses Reimbursement Insurance” and “Luggage and Personal Effects Insurance” guarantees can be requested even several times during the journey, it being understood that the total amount of the refund paid does not exceed the maximum indemnities indicated.

The VIAGGI TOUR OPERATOR services and guarantees will not be given in the following cases:

· nervous and mental illnesses, for illnesses depending on pregnancy beyond the 26^th week and from puerperium;

· illnesses that are the expression or direct result of pathological situations, both chronic and pre-existing at the start of the journey;

· illnesses and accidents resulting and deriving from the abuse of alcohol or psychotropic drugs, as well as from the non therapeutic use of drugs and hallucinogens;

· accidents deriving from the following activities: alpinism with rock climbing or access to glaciers, trampoline jumps with skis or water skis, the driving and use of bobsleighs, air sports in general, reckless acts as well as all accidents suffered as a result of sports activities carried out professionally;

Should the Insured party require his/her state of health to be evaluated, he/she can contact the Operative Centre doctors and request a telephone consultation.

Should it be necessary, subsequent to Medical Advice (see service 1), for the Insured party to undergo a medical visit during the journey, the Operative Centre shall send, at Europ Assitance’s expense, one of their doctors working with Europ Assistance to the place of the event. Should it be impossible for the doctor to intervene personally, the Operative Centre shall organise transferral of the Insured party by ambulance to the nearest and most suitable medical centre. The service is supplied from 8.00 pm to 8.00 am Monday to Friday, and 24 hours a day on Saturday, Sunday and holidays.

Should it be necessary, following Medical Advice (see service 1), for the Insured party to see a specialist during the journey, the Operative Centre shall, in compatibility with local availability, indicate the name of a specialist doctor in the area nearest the place where the Insured party is.

Should sudden accidents or illnesses make it necessary, in the opinion of the Operative Centre doctors and in agreement with the general practitioner on site, for the Insurance party to be transported to an equipped care centre, the Operative Centre shall, at Europ Assitance’s expense, organise the return with the means and in the times held as being most suitable by the Operative Centre doctors, following their consultation with the general practitioner on site.

The Operative Centre shall use the medical airplane only if the injury occurs in European countries and those of the Mediterranean Basin.

Transport shall be fully organised by the Operative Centre and shall include medical or nursing assistance during the journey, should the Operative Centre doctors feel it necessary.

Europ Assistance shall have the faculty to request the return journey ticket that is not used by the Insured party. Should the Insured party need to be transferred to the nearest equipped Emergency Room or Care institute, or transferred to a care centre that is suitable for treating the pathology because hospitalized in an unsuitable local structure, the Operative Centre shall organise transferral, using the means and in the times held as being most suitable by the Operative Centre doctors following consultation with a general practitioner on site. In this case Europ Assistance shall pay the relative costs up to a maximum of Euro 7,500.00 at its own charge.

Should the Insured party die, the Operative Centre shall organise transport of the body to the burying place in the country of residence. Europ Assistance shall pay the costs for transporting the body up to a maximum of Euro 5,000.00 per Insured party at its own charge; if this service costs more Europ Assistance shall intervene immediately, after having received suitable guarantees regarding payment of the excess amount in

Italy

· the injuries or wound which, in the judgement of the Operative Centre doctors, can be cured on site or that do not stop the Insured party from continuing with his/her journey;

· infective illnesses, should transportation violate national or international health regulations;

· costs for the funeral service and those for the search for people and/or possible body recovery;

· all the cases in which the Insured party or relatives of same sign for voluntary discharge, against the opinion of the doctors of the structure in which the Insured party is being hospitalized.

Should the doctors of the Operative Centre, when organising the service of Return for Health Reasons (see service 4), feel that it is not necessary for the Insured party to receive health assistance during the journey, and an insured relative would like to accompany same Insured party to the place of cure or to his/her residence, the Operative Centre shall arrange for the relative to accompany the Insured party with the same means. Europ Assistance shall have the faculty to request that the insured relative return their unused journey ticket.

Should, subsequently to the Return for health reasons service (see service 4) the insured people travelling with the Insured party not be objectively able to return to their residence with the means initially programmed and/or used, the Operative Centre shall supply them with a first class railway ticket or an economy class airway ticket. Europ Assistance shall have the faculty to request them to return any unused journey tickets. Europ Assistance shall pay for the cost of the tickets up to a maximum amount of 200,000 Euros per insured person.

Should the Insured party be hospitalized for a period of more than 7 days, the Operative Centre shall supply, at the charge of Europ Assistance, a first class return railway ticket or an economy class return airway ticket to allow a relative that lives with the Insured party to reach the hospitalised person.

Should the travelling Insured party, following an accident, illness or as a result of acts of God, find it impossible to care for insured parties of 15 years or younger travelling with them, the Operative Centre shall supply, with cost at the charge of Europ Assistance, a return first class railway ticket or a return economy class airway ticket to allow a relative to reach the minor/s, take care of him/her/them and take him/her/them to their home.

Should the Insured party, as a result of hospitalization in a care institute, not be able to return to his/her home using the means initially programmed, the Operative Centre shall supply same party, with costs at the charge of Europ Assistance, a first class railway ticket or an economy class plane ticket.

Should written medical prescriptions certify that the health conditions of the Insured party do not allow him/her to undertake the journey to return to his/her home in one of the European Union Countries and/or Switzerland on the pre-established date, the Operative Centre shall book a hotel if required. Europ Assistance shall pay for the hotel costs (room and breakfast) for a maximum of three days subsequent to the date established for the return up to a maximum total amount of 40.00 Euros per day for the ill or injured Insured party.

Should the Insured party, when abroad, require information on special medications regularly registered in Italy, the Operative Centre shall signal the corresponding medications, if they exist, that are available on site.

Should the Insured party, when abroad, be hospitalized and have difficulty in communicating with the doctors because not familiar with the local language, the Operative Centre shall send an interpreter to the place.

The interpreting costs shall be at the charge of Europ Assistance for a maximum of 8 working hours.

Should the Insured party maintain unexpected costs and find it impossible to pay them immediately and directly because of illness, injury, theft, burglary, bag-snatching or lost luggage, the Operative Centre shall pay, as an advance on behalf of the Insured party, the amount of the invoices up to a maximum total of 5,000.00 Euros. Should the amount exceed the total amount of 150.00 Euros, the loan shall become operative from the moment in which Europ Assistance receives suitable bank guarantees in Italy.

· the transfer of currency abroad that violates current laws in Italy or in the country in which the Insured party is found;

· those cases in which the Insured party cannot supply suitable return guarantees to Europ Assistance in Italy;

· In the countries in which Branches or Europ Assistance Correspondents do not exist.

The Insured party must communicate the reason for the request, the amount necessary, his/her address and reference indications that allow Europ Assistance to verify the terms of the guarantee for return of the anticipated amount. The Insured party must reimburse the advanced amount within one month from the date of the advance itself, penalty being payment of interest at the current legal rate in addition to the anticipated sum.

Should the Insured party, while travelling, have to return to his/her own residence before the date programmed and with a means different from that initially programmed, because of death, as indicated by the date on the death certificate released by the Registry Office, or hospitalisation, with imminent danger to life, of one of the following relatives: wife/husband/partner more uxorio, son/daughter, brother, sister, parent, mother/father-in-law, son/daughter-in-law, the Operative Centre shall supply them, at Europ Assitance’s expense, a first class railway ticket or an economy class airway ticket, so that same can reach the place where the body is to be buried or where the person is being hospitalized. Should the Insured party travel with a minor, the Operative Centre shall organise the return of both as long as insured. If it is impossible for the Insured party to use his/her vehicle for returning early, the Operative Centre shall make available an additional ticket for subsequent vehicle recovery.

· those cases in which the Insured party cannot supply the Operative Centre with suitable information on the reasons for the request for early return.

The Insured party must supply, within 15 days from the accident, the original version of the documentation proving the cause of the return.

Should the Insured party be arrested or find him/herself in a predicament which could cause his/her arrest and were consequently to pay bail to the foreign authorities, and should him/her not be able to pay directly and immediately, the Operative Centre shall pay the bail on site, as an advance on behalf of the Insured party.

Europ Assistance shall anticipate payment of bail up to a maximum amount of 5,000.00 Euros. The amount of the bail paid by Europ Assistance in advance cannot for any reason exceed the amount of 5,000.00 Euros. The loan shall become operative from the moment in which Europ Assistance receives suitable bank guarantees in Italy.

· the transfer of currency abroad that violates current laws on the matter in Italy or in the country in which the Insured party finds him/herself;

· those cases in which the Insured party cannot supply Europ Assistance with suitable return guarantees in Italy;

Should the Insured party be arrested or find him/herself in a predicament which could cause his/her arrest and require legal assistance, the Operative Centre shall recommend the name of a lawyer who is as close as possible to the place in which the Insured party finds him/herself, in compliance with local regulations.

All costs deriving from the lawyer’s intervention shall be at the total cost of the Insured party. The service is not operative in countries where Europ Assistance Branches or Correspondents do not exist.

Should it be impossible for the Insured party to send urgent messages to people living in Italy, the Operative Centre shall communicate the message to the destinee.

Should the Insured party, following unexpected illness or injury, have to pay medical/pharmaceutical/hospital costs for treatments or surgeries that are urgent and cannot be postponed, received on site during the journey and within the guarantee period, Europ Assistance shall reimburse such costs on the basis of the maximum indemnity provided for in the Policy and indicated in the table at the bottom of the page. The additional costs for care received upon return to the residence are only covered by the guarantee if resulting from accidents, as long as same care is given within 45 days subsequent to the injury itself.

Europ Assistance shall, at its own expense, pay for medical and pharmaceutical costs, even in case of hospitalization in a care institute or in a place equipped for Emergencies. Same costs shall be paid directly on site by the Operative Centre and/or as a reimbursement, up to the maximum indemnity amount provided for in the Policy and indicated in the table at the bottom of the page for each Insured party and for the duration/destination of the journey. The reimbursements shall be made with a fixed and absolute sum excess per injury and per Insured party of 35.00 Euros.

· the rates for the stay in the hospital or Institute prescribed by the doctor up to Euro 200.00 per day for each Insured party;

· the costs for urgent dental treatment, only following accidents, up to Euro 100.00 per Insured party;

· the costs for repairing prostheses, only following accidents, up to Euro 100.00 per Insured party.

· all costs incurred by the Insured party should the recovery or Emergency service not have been declared to Europ Assistance, either directly or indirectly by third parties;

· the costs for treating or eliminating physical defects or congenital malformations, for applications of an aesthetic nature, for nursing, physiotherapy, thermal and slimming treatment, for dental care (excluding those specified above following accident).

· the costs for purchasing and repairing spectacles, contact lenses, the costs for orthopaedic and/or prosthetic apparati (excluding those specified above following an accident);

· check-ups in Italy for situations resulting from illnesses that began during the journey;

· the transport and/or transfer costs to care institutes and/or the staying place of the Insured party.

In case of accident, the Insured party must send, within and not beyond sixty days from accident occurrence, a written statement addressed to: Europ Assistance Italia S.p.A. – Piazza Trento, 8 – 20135 Milan, indicating the competent office on the envelope (Accident Liquidation Office – Medical Costs Reimbursement) and indicating:

· emergency certificate drawn up on the place of the accident giving the pathology, or the medical diagnosis that certifies the type of injury and how it happened;

· original copies of invoices, receipts or fiscal receipts for the costs incurred, complete with fiscal data (VAT No. or Fiscal Code) of the issuing bodies and the holder of the receipts themselves;

· medical prescription for the possible purchase of medications with the original receipts of the medications purchased.

Following an evaluation of the documentation received, the Accident Liquidation Office of Europ Assistance shall liquidate the damage and the relative payment net of the forecasted exemptions.

Should the Insured party undergo material and immediate damage because of theft, housebreaking, robbery, bag-snatching, loss, breakage of his/her own luggage and/or personal effects, including the clothes worn, that he/she had at the start of his/her journey, Europ Assistance shall reimburse the value of same up to the maximum amount indicated in the Policy and given in the table at the bottom of the page. For journeys made by plane, train, bus or ship, the guarantee is valid:

· for those insured parties who reside in the European Union countries and/or Switzerland from the departure station (airport, railway, etc. of the organised trip) until the end of the journey as organised by the Contractor;

· for those insured parties who reside in non-European Union countries, from the arrival date in one of the European Union countries and/or Switzerland until the departure date from one of same countries at the end of the journey.

The guarantee is given with territorial extension and up to the sum indicated in the Policy and given in the table at the foot of the page, for each insured party and for the duration of the journey. Excluding the maximum amounts indicated previously, the maximum indemnity for each object, including bags, suitcases and haversacks, cannot exceed the amount of Euros 150.00. Photocineoptic equipment (cameras, video cameras, binoculars, flashlights, lenses, batteries, bags, etc.) are considered a single object. Should Identity cards, Passports and Driving licences be stolen, snatched or lost, a total maximum amount of 50.00 Euros shall be reimbursed, in addition to the previously indicated maximum indemnity, to cover the costs of replacement but only if certified by a cost receipt.

Damages to photocineoptic apparati and photosensitive material, radios, televisions, recorders, any other electronic apparatus, musical instrument, personal safety weapons and/or weapons for hunting, underwater equipment, spectacles or sunglasses are covered inclusively for a sum up to 50% of the sum insured.

Damage to the following is covered inclusively for a sum up to 30% of the insured sum:

· furs and other precious objects. The guarantee is only operative if the goods are worn or given in deposit in the hotel.

· theft with breakage of the luggage held inside the vehicle regularly locked, not visible from outside;

· theft of objects contained in the tent, as long as positioned in a regularly equipped and authorised camping area.

· money, cheques, stamps, tickets and travel documents, souvenirs, coins, art objects, collections, sample lines, catalogues, goods, helmets, professional equipment, documents other than Identity cards, Passports and Driving licences;

· all damage verified during the journeys made on motor vehicles of any horsepower;

· damage deriving from fraud or serious fault of the Insured party and those caused to sports equipment during their use;

· goods other than clothing, for example watches, spectacles and sunglasses, that have been delivered, even together with clothes, to a transport company, including the air carrier;

· theft of luggage on board a vehicle that was not kept in a guarded garage from 8.00 pm to 7.00 am;

· the fixed and service accessories of the vehicle itself (including extractable sound equipment);

In case of damage, the Insured party must send, subsequent to telephone contact with the Operative Centre and within and no later than ten days from damage verification, a written statement addressed to: Europ Assistance Italia S.p.A. – Piazza Trento, 8 – 20135 Milan specifying the competent office on the envelope (Damage Liquidation Office – Luggage Cases). The following must be also sent following notification and within sixty days from the occurrence of the damage:

· Europ Assistance care number or copy of same card if in the possession of the Insured party;

· authenticated copy of the report with the stamp of the Police authority of the place where the fact occurred;

· copy of the letter of complaint presented to the hotel owner or carrier who may have been responsible;

· original copies of all invoices, receipts or fiscal receipts, complete with fiscal data (VAT No. or Fiscal Code) of the issuers and the owners of the receipts themselves, proving the value of the goods that were damaged or stolen and their purchase date;

· invoice of repair or declaration of impossibility to repair regarding the damaged or stolen goods, written on headed paper by an agent or a sector specialist.

The following must be attached when requesting reimbursement only in the case of the whole set of luggage or part of it that was given to the air carrier not being delivered:

· copy of the Luggage Irregularity Report made immediately to the airport office that is specifically in charge of complaints for lost luggage;

· copy of the letter of complaint sent to the air carrier with the request for reimbursement and the reply of the carrier.

Damage shall be liquidated, as an integration of what was reimbursed by the air carrier or by the responsible hotel owner and up to the limits of the insured sum, on the basis of the commercial value that the guaranteed goods had at the moment of the damage, according to what results from the documentation given to Europ Assistance. In case of objects purchased no later than three months before the damage was caused, reimbursement shall be made on the basis of the purchase value, if proved by the relative documentation. In the case of damage the cost of the repair shall be reimbursed upon presentation of the invoice. In no case shall the sentimental value be considered.

Europ Assistance shall reimburse unexpected costs incurred by the Insured party for the purchase of toiletries and/or necessary clothing as a result of luggage that was delivered with a delay of more than 12 hours relative to regularly confirmed airline flights.

Reimbursement shall be made up to the maximum sum of Euro 100.00 for damage and for the duration of the journey.

The case of delayed delivery of luggage occurring in the airport of the city in which the Insured party resides;

In the case of damage, the Insured party must send a written statement addressed to: Europ Assistance Italia S.p.A. – Piazza Trento, 8 – 20135 Milan, within and not later than sixty days from verification of the damage, indicating the competent office on the envelope (Damage Liquidation Office – Luggage Case) providing:

· Europ Assistance card number or a copy of it if in the possession of the Insured person;

· a declaration from the airport management company or from the air carrier that confirms the 12-hour delay in luggage delivery and the time of actual delivery;

· original copies of all invoices, receipts or fiscal receipts, complete with fiscal data (VAT No. or fiscal code) of the issuer and the owners of the receipts themselves, proving the value of the purchased goods;

· a copy of the letter of complaint sent to the air carrier with the request for reimbursement and the reply of the carrier.

Should the Insured party be charged a penalty by the travel agency or organisation because he/she modified or cancelled as a result of one of the causes indicated below and before the start of the booked journey or rental, Europ Assistance shall reimburse the amount of same penalty for cancellation or modification (excluding the enrolment fee) as long as the causes for cancellation were involuntary and unpredictable at the moment of booking.

The guarantee shall be supplied exclusively following cancellation or modifications because of:

a) Illness, accidents (for which the impossibility of participating in the journey is clinically documented) or in case of death;

· of the wife/husband/partner more uxoria, of a son/daughter, brother/sister, parent or in-law, son or daughter-in-law, or of the Associate/joint owner of the company or associated studio. If same people are not enlisted for the journey together with and at the same time as the Insured party, in the case of serious illness or injury, the Insured party must demonstrate that the presence of same person is necessary;

· of possible companions, as long as Insured, enlisted for the journey together with and at the same time as the Insured party themselves.

The guarantee begins on the journey and/or rental booking date and lasts until the start of the journey and/or rental, the term start of the journey indicating the moment in which the Insured party should present him/herself at the departure station.

The penalty debited to the Insured party is reimbursed in full (excluding the enrolment fee) up to the maximum amount indicated in the contract by the Journey organisation and/or indicated in the table at the foot of the page for each Insured party and for the journey destination and/or given by the Tour Operator in their catalogues. Such indemnity amount cannot exceed the sum of Euro 200.00 for each Insured party.

Regarding what is indicated at letter a), in case of waiver of several Insured parties booked for the journey together and at the same time, reimbursement shall be made up to an amount equal to the sum of the maximum indemnities insured for each Insured party but at a total maximum figure of Euro 600.00 for each damage.

· injury, illness or death verified before the moment of booking or illness existing before the booking;

· no communication of the address where the persons indicated in point a) can be found;

2 those cases in which the Insured party did not communicate to the travel organisation or agency, or even directly to Europ Assistance, the formal waiver of the booked journey and/or location, within five calendar days from when the cause of the waiver itself was verified;

3 those cases in which the Insured party did not send communication before the journey or location starting date if the term of five days indicated in point 2) falls after the journey and/or location starting date

In case of modifications to and/or forced waiver of the journey or location, the Insured party must send by telegram or fax to 0039.02.58384575 within the terms indicated in “Exclusions”, a written statement addressed to Damage Liquidation Office (Journey Cancellation) – Europ Assistance Italia S.p.A. – Piazza Trento, 8 – 20135 Milan, indicating:

If the journey or location was waivered and/or modified because of the illness of and/or injury to one of the people indicated in point a), the waiver must include:

Within 15 days from waiver as indicated above, the Insured party must in addition present the following documents to Europ Assistance Italia S.p.A.:

· if in the possession of the Insured party, a copy of the Europ Assistance Card;

· a medical certificate confirming the date of the injury or when the illness started, the specific diagnosis and the days of prognosis;

· statement of account confirming the booking issued by the Organisation/Travel Agency;

Europ Assistance has the right to take over possession of the journey and/or location deeds not used by the Insured party.

In addition to the exclusions given for the individual services and/or guarantees, the following general conditions are also valid:

1 The Insured party frees from professional secrecy, regarding the injuries being part of this Insurance, those doctors who examined or treated same party after or even before the injury, towards Europ Assistance and/or any judges that may be given the power to examine the injury itself.

2 All the services and/or guarantees are not due for damage caused by or dependent on:

a) war, earthquakes, atmospheric phenomena with characteristics of natural calamity, phenomena of transmutation of the nucleus of the atom, radiation caused by the artificial acceleration of atomic particles;

b) strikes, revolutions, riots, social unrest, looting, acts of terrorism and vandalism;

d) automobile, motorbike or motorboat races and relative trials and training, mountain climbing over rocks or glaciers, trampoline jumps with skis or water skis, kite surfing, the use of bobsleighs or the practice of air sports in general;

e) alcohol or psychotropic drug abuse as well as the non therapeutic use of drugs and hallucinogens.

The services are also not supplied in those countries where a declared or factual state of belligerence exists.

3 Europ Assistance cannot be held responsible for damage caused by the intervention of the Authorities in the country in which assistance is given or resulting from any other accidental and unpredictable circumstance.

4 Should the Insured party not make use of one or more services and/or guarantees, Europ Assistance does not have to provide compensation or alternative services of any kind as compensation.

5 Each right towards Europ Assistance is debarred within a period of one year from the date of the damage that gave origins to the right to service and/or guarantee, pursuant to art. 2952 of the Italian Civil Code.

6 The right to assistance supplied by Europ Assistance is forfeited should the Insured party not contact the Operative Centre when the damage occurs.

7 In partial derogation of what is indicated in art. 1910 of the Italian Civil Code, the Insured party that makes use of the services similar to the present ones, even for mere compensation, as provided by contracts signed with another insurance company, must inform of the damage all insuring companies and specifically to Europ Assistance Italia S.p.A. within three days with the penalty of forfeiture. In the case in which another company is activated, these services shall be valid, within the limits and under the conditions indicated, exclusively to reimburse the Insured party of possible greater costs charged to him by the insurance company that issued the service.

8 Any requests for information, for complaints or disputes the Insured party must refer directly to Europ Assistance, it being understood that the Contractor is exempt from all and any responsibility regarding the services of the insurance.

9 The policy is regulated by Italian law. All disputes relative to the policy are subject to Italian jurisdiction.

11 Indemnities and reimbursements are paid in

Italy

in Euros. In the case of costs incurred in non- European Union countries, or which belong to it but do not use the Euro as currency, reimbursements shall be calculated at the exchange rate given by the Central European Bank relative to the day on which the Insured party upheld the costs.

In case of need, wherever you are, and at any moment, the Operative Centre of Europ Assistance is operational 24 hours a day. The specialised staff of the Operative Centre of Europ Assistance is always available, ready to intervene or indicate the most suitable procedures for solving in the best way possible any type of problem as well as authorising possible costs.

IMPORTANT: do not take any initiative without having previously contacted the Operative Centre by phone at:

In order to issue the guarantees indicated in the Policy, Europ Assistance must process the data of the Insured party and for this purpose requires, in compliance with Italian Legislative Decree 196/03 (Italian Corporation) your permission. The Insured party therefore, by contacting or making someone else contact the Operative Centre of Europ Assistance, freely gives their consent to the processing of the personal data, both common and sensitive, as indicated in the Data Processing information sheet.

Company authorised to work with insurance by Decree of the Italian Ministry for Industry, Commerce and Crafts No. 19569 of 2/6/93 (Official Gazette No. 152 of 1/7/93).

Registered in Section I of the Insurance and re-assurance company list at No. 1.00108.

Company subject to the management and coordination of Europ Assistance Holding S.A.