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Europ Assistance Insurance

VacaVilla offers its Customers booking on www.VacaVilla.com, the Europ Assistance insurance policy to cover penalties in case of cancellation of the stay included in the RENTAL PRICE of the reservation.

VacaVilla and Europ Assistance bring assistance and tranquillity in travel to the exclusive world of villa holidays in Italy as well.

This important agreement between Europ Assistance and VacaVilla enables all customers, Italian and foreign, to rely on the leader of travel assistance, and to activate, at the same time of the reservation and included in the RENTAL PRICE, the CANCELLATION INSURANCE of Europ Assistance, which provides for the reimbursement of the penalty of cancellation for justified reasons.

 General Conditions of the Lease Cancellation Insurance.

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Cancellation Insurance conditions Europ Assistance

- 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 VacaVilla and included in the RENTAL 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:

  • misconduct of the Insured Party or serious negligence;
  • theft, robbery, loss of identification and/or travel/stay/rental documents;
  • mental diseases and psychological disturbances in general, including cerebral organic syndromes, schizophrenia, paranoia, manic-depressive forms and related consequences/complications;
  • state of pregnancy or consequent pathological situations in cases where conception was prior to the date on which stay was booked;
  • injury, illness or death occurring prior to confirmation of the stay;
  • 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;
  • consequences and/or complications of injuries that took place prior to confirming the stay; 
  • 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;
  • bankruptcy of the Carrier or Travel Agency or Organiser of travel/stay/rental;
  • 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;
  • deposits and/or advances that are not justified by penalty tax documents;
  • 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, excluding file management fees, agency fees, fuel adjustments and visas (and excluding, in the event of the purchase of a flight ticket, also airport taxes that can be reimbursed by the airline) up to the maximum cover; said maximum cover shall not in any case exceed Euro 30,000.00 per file.

It is agreed that individual travel shares will not be recognised.

Europ Assistance reimburses the cancellation penalty: 

  • 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; 
  • 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.