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Insurance conditions for the cancellation costs insurance

AXA insures the legal holder of this insurance certificate (insured person) on the basis of the contract with the Tourist Office Grächen and in accordance with the following insurance conditions.

AXA

 This overview provides you with information about the material content of the insurance contract, in accordance with Art. 3 of the lnsurance Contract Act (ICA). The rights and obligations of the contracting parties arise on conclusion of the insurance contract, in particular on the basis of the booking confirmation, the contractual conditions, and the statutory provisions.

Who is the insurance carrier?

The insurance carrier is AXA lnsurance Ltd, General Guisan-Strasse 40, 8401 Winterthur (hereinafter referred to as "AXA"), a stock corporation with registered office in Winterthur and a subsidiary of the AXA Group. 

Who is the intermediary?

The tour operator or transportation company or property owner with which the policyholder has definitively booked a rental arrangement and taken out insurance.

Who is insured?

The coverage applies to persons who have their domicile, as de­ fined by civil law, in Switzerland or the Principality of Liechtenstein. lnsurance policies for rental arrangements in Switzerland may also be concluded by foreigners.

The policyholder is the person who has definitively booked a rent­ al arrangement with the intermediary and taken out insurance. All persons are insured who are included in the booking confirmation and for whom a corresponding premium has been paid.

What is covered and what benefits will AXA pay?

Cancellation cost insurance (GIC B2)

Assumption of the cancellation costs owed in accordance with the intermediary's booking confirmation/cancellation policy. Cancellation cost insurance is a form of indemnity insurance pursuant to the lnsurance Contract Act (ICA).

How much is the premium and when is it due?

The amount of the premium and date on which it falls due are specified in the intermediary's booking confirmation. Since the insurance begins on the day when the rental arrangement is definitively booked, the insurance premium is owed to AXA if the policyholder is able to withdraw from the rental arrangement free of charge.

What are the policyholder's main obligations in the event of a claim?

To notify the intermediary immediately (GIC A6).

When does the claim notice need to be submitted?

Once the intermediary has been notified, the lass event must be reported to AXA using the claim form. 

Either by email: schaden@axa.ch or to the following address: AXA, Service Center, P. 0. Box 357, 8401 Winterthur, phone 0844 802 008, from abroad +4158 218 11 00.

When does the insurance begin and end?

The insurance begins on the day the rental arrangement is defini tively booked and continues until it ends.

How can the right of withdrawal be exercised?

The policyholder can withdraw from the insurance contract within 14 days of accepting it. This deadline will be met if the withdrawal is communicated to the intermediary in writing or another text form (e.g. by email). As a consequence of withdrawal, benefits already received must be paid back.

What data does AXA use and how?

AXA uses data in compliance with the applicable statutory provisions. More information may be found at AXA.ch/data-protection

What does the insurance not cover, inter alia?

  • Events that had already occurred when the insurance was taken out/the rental arrangement was booked or that the insured must have been aware of.
  • Events in connection with mental illness. Exception: A qualified psychiatrist provides a medical certificate confirming the mental illness.
  • Events in connection with a pandemic are not insured.
  • Events under Part B of the General lnsurance Conditions (GIC) connected with coronavirus SARS-CoV-2 and the illness COVID-19 (including mutations) are not insured.

General lnsurance Conditions (GIC)

Part A

General conditions

 A1 Scope of the contract

The booking confirmation specifies what insurance coverage has been concluded. The booking confirmation and these General lnsurance Conditions (GIC) describe the scope of cover. The cancellation cost insurance begins on the day when the rental arrangement is definitively booked.

A2 Territorial scope

The insurance is valid worldwide.

A3 Trigger

The insurance begins on the day the rental arrangement is definitively booked and continues until it ends.

 A4 Policyholder and insureds

The policyholder is the person who has booked a rental arrangement with the intermediary. All persons are insured who are included in the booking confirmation and for whom a corresponding premium has been paid.

A5 Permium Payment

The premium is due when the insurance is taken out / the definitive booking is made.

A6 Obligations in the event of a claim

The insured must notify the intermediary immediately. The loss event is to be reported to AXA using the claim form. Either by email: schaden@axa.ch or to the following address : AXA, Service Center , P. 0 . Box 357, 8401 Winterthur, phone 0844 802 008, from abroad +4158 218 11 00.

The following documents must be submitted with the claim form: booking confirmation / intermediary's cancellation statement / physician's certificate.

A7 Multiple insurance

A7.1 Multiple coverage

The same benefits may be drawn only once per insured event and insured, even if they are covered multiple times.

A7.2 Subsidiary clause

In the case of multiple insurance, AXA pays its indemnity on a subsidiary basis. The right of recourse shall be transferred to AXA in the same amount as AXA has paid benefits.

A8 Upper financial limit in the event of a claim

AXA's benefits are limited to a maximum of CHF 1,000,000.

A9 Principality of Liechtenstein

lf the policyholder is resident in the Principality of Liechtenstein or if the policyholder's registered office is locat ed in the Principality, the references to provisions of Swiss law contained in the insurance contract documents shall relate to the corresponding provisions of Liechtenstein law.

A10 Applicable law and place of jurisdiction

A10.1 Applicable law

This contract is subject to Swiss law. For contracts that are subject to Liechtenstein law, the binding provisions of Liechtenstein law take precedence if they differ from these General lnsurance Conditions (GIC).

A10.2 Place of jurisdiction

The ordinary courts of Switzerland shall have exclusive jurisdiction over any disputes arising out of or in connection with this insurance contract; in the case of policy­ holders residing or having their registered office in the Principality of Liechtenstein , the ordinary courts of Liechtenstein shall have exclusive jurisdiction over any such disputes .

A11 Sanctions

lnsurance coverage does not apply insofar and as long as applicable statutory economic, trade, or financial sanctions inhibit indemnification under the contract.

A12 Non-insured events

  • A12.1 Events that had already occurred when the insurance contract was taken out/the rental arrangement was booked or that the insured should have been aware of.
  • A12.2 Events in connection with mental illness. Exception: The mental illness is confirmed by a psychiatrist by means of a medical certificate.
  • A12.3 Events in connection with war, revolution, rebellion, civil unrest, or revolt if the insured was actively involved.
  • A12.4 Events in connection with participation in races, motor rallies and similar competitive driving, and in all driving on racetracks or training circuits (e.g. skid training, competitive driving courses).
  • A12.5 Events in connection with changes in the program or itinerary of the booked rental arrangement by the opera­ tor or transportation company, including those resulting from an official ruling.
  • A12.6 Events in connection with the premeditated commission or attempted commission of crimes or misdemeanors.
  • A12.7 Events in connection with acts of daring involving the deliberate exposure to risk.
  • A12.8 Events in connection with a pandemic are not insured. 
  • A12.9 Events under Part B of the General lnsurance Conditions (GIC) connected with coronavirus SARS-CoV-2 and the ill­ ness COVID-19 (including mutations) are not insured.
  • This does not include B1.2. 

A13 Definitions

A13.1 Natural-hazard events

"Natural-hazard events" refer to the events in the following exhaustive list: high water, flooding, wind, hail, avalanche, risk of avalanche, snow, snow pressure, snow­ slide, rockslide, earthquake, landslide, rockfall, volcanic eruptions.

A13.2 Pets

"Pets" are defined as animals that normally cohabit with the insured.

A13.3 Authorities

"Authorities" are defined as responsible official departments (especially the Federal Department of Foreign Affairs (FDFA) and the Federal Office of Public Health (FOPH).

Part B

Cancellation cost

B1 lnsured events

B1.1 Accident, illness, and death

  • B1.1.1 The insured has an accident, falls ill, ordies.
  • B1.1.2 A person related/close to the insured has an accident, falls ill, or dies.
  • B1.1.3 The person deputizing for the insured at work has an accident, falls ill, or dies.
  • B1.1.4 The insured's pet has an accident, falls ill, or dies.

B1.2 Coronavirus/COVID-19 (incl. mutations)

lf the insured falls ill with COVID-19 or enters into quarantine or self-isolation because of COVID-19 and consequently cannot commence the rental arrangement, this is covered. The same applies to related persons: lf, for example, the parents, children, siblings, or partner falls ill with COVID-19 and the insured is consequently obliged to cancel the trip, AXA bears the costs.

B1.3 lmpaired use of property

  • B1.3.1 The property of the insured at his/ her main or secondary residence suffers considerable damage due to a natural-hazard event, fire, or water, or is affected by theft. As a result, the insured cannot commence or continue the rental arrangement as planned.
  • B1.3.2 lmpaired use of property also includes cases in which the main or secondary residence is damaged du ring a burglary or attempted burglary. 

B1.4 Natural-hazard event or fire

According to confirmation by an authority, the rental arrangement cannot be commenced or continued as planned due to a natural-hazard event or fire.

B1.5   Strike

  • B1.5.1 The rental arrangement cannot be commenced or con tinued as planned due to a strike at a business relevant to the trip, at a travel service provider, or at a government authority.
  • B1.5.2 AXA may request confirmation of the strike from an authority in accordance with A13.3.

B1.6 Terrorism, warlike events, revolution, rebellion, civil unrest

  • B1.6.1 Accordingtoconfirmationbyanauthority,therentalarrangementcannotbecommencedorcontinuedasplanned due to terrorism, warlike events, revolution, rebellion,orcivilunrest.
  • B1.6.2 The insurance coverage applies for four weeks after the first occurrence of the event.

B1.7 Restricted zone, quarantine, epidemic, or radioactive radiation

Following confirmation of an epidemic or radioactive radiation, the rental arrangement  cannot be commenced or continued as planned.

B1.8 Loss of job

The insured unexpectedly loses his/her job after booking the rental arrangement.

B1.9 Start of a new job

The insured takes up a new job and the new employer does not consent to the former's booked rental arrangement.

B1.10 Failure of public means of transportation

  • B1.10.1 The rental arrangement cannot be commenced or continued as planned because a public means of transporta tion fails or is late by at least one hour.
  • B1.10.2 In the case of public flights, the insurance covers cancellations as well as delays of at least two hours .
  • B1.10.3 lf a means of public transportation fails, the insured is obligated to first seek redress from the tour operator or transportation company.
  • B1.10.4 AXA shall pay benefits only insofar as the cancellation costs are not covered by third parties (subsidiary cover).

B2 lnsured benefits

B2.1 Non-departure

AXA pays the cancellation fees, including processing fees, that are due under the contract with the tour opera­ tor or transportation company or property owner.  

B2.2 Delayed departure

AXA pays the additional costs of rebooking so that the original destination can be reached.

B2.3 Premature return

AXA pays the costs of the services not used.

B2.4  lndemnity limit

For each event, all benefits together are limited to the price originally paid by the insured. AXA pays, for each event, a maximum of the cancellation fees, including processing fees, that are due under the contract with the tour operator or transportation company or property owner.

Benefits are paid only for that portion of the rental arrangement that the insured actually uses.

B2.5 Pets

lf the insured 's pet cannot be placed with the intended caregiver prior to commencement of the rental arrangement because the caregiver has an accident, falls ill, or dies, AXA shall pay the costs ofboarding up to a maxi­mum of CHF 500.

Key points at a glance

 

This overview provides you with information about the material content of the insurance contract, in accordance with Art. 3 of the lnsurance Contract Act (ICA). The rights and obligations of the contracting parties arise on conclusion of the insurance contract, in particular on the basis of the booking confirmation, the contractual conditions, and the statutory provisions.

 

Who is the insurance carrier?

The insurance carrier is AXA lnsurance Ltd, General Guisan-Strasse 40, 8401 Winterthur (hereinafter referred to as "AXA"), a stock corporation with registered office in Winterthur and a subsidiary of the AXA Group.

 

 

Who is the intermediary?

The tour operator or transportation company or property owner with which the policyholder has definitively booked a rental arrangement and taken out insurance.

 

Who is insured?

The coverage applies to persons who have their domicile, as de­ fined by civil law, in Switzerland or the Principality of Liechtenstein.

 

lnsurance policies for rental arrangements in Switzerland may also be concluded by foreigners.

 

The policyholder is the person who has definitively booked a rent­ al arrangement with the intermediary and taken out insurance. All persons are insured who are included in the booking confirmation and for whom a corresponding premium has been paid.

 

What is covered and what benefits will AXA pay?

Cancellation cost insurance (GIC B2)

Assumption of the cancellation costs owed in accordance with the intermediary's booking confirmation/cancellation policy.

Cancellation cost insurance is a form of indemnity insurance pursuant to the lnsurance Contract Act (ICA).

 

How much is the premium and when is it due?

The amount of the premium and date on which it falls due are specified in the intermediary's booking confirmation.

 

Since the insurance begins on the day when the rental arrangement is definitively booked, the insurance premium is owed to AXA if the policyholder is able to withdraw from the rental arrangement free of charge.

 

What are the policyholder's main obligations in the event of a claim?

To notify the intermediary immediately (GIC A6).

 

When does the claim notice need to be submitted?

Once the intermediary has been notified, the lass event must be reported to AXA using the claim form.

 

Either by email: schaden@axa.ch or to the following address: AXA, Service Center, P. 0. Box 357, 8401 Winterthur, phone 0844 802 008,

from abroad +4158 218 11 00.

 

When does the insurance begin and end?

The insurance begins on the day the rental arrangement is defini tively booked and continues until it ends.

 

How can the right of withdrawal be exercised?

The policyholder can withdraw from the insurance contract within 14 days of accepting it. This deadline will be met if the withdrawal is communicated to the intermediary in writing or another text form (e.g. by email).

 

As a consequence of withdrawal, benefits already received must be paid back.

 

What data does AXA use and how?

AXA uses data in compliance with the applicable statutory provisions. More information may be found at AXA.ch/data-protection

 

What does the insurance not cover, inter alia?

Events that had already occurred when the insurance was taken out/the rental arrangement was booked or that the insured must have been aware of.

Events in connection with mental illness. Exception: A qualified psychiatrist provides a medical certificate confirming the mental illness.

Events in connection with a pandemic are not insured.

Events under Part B of the General lnsurance Conditions (GIC) connected with coronavirus SARS-CoV-2 and the illness COVID-19 (including mutations) are not insured.

 

General lnsurance Conditions (GIC)

 

 

PartA

General conditions

 

 

A1 Scope of the contract

The booking confirmation specifies what insurance coverage has been concluded.

The booking confirmation and these General lnsurance Conditions (GIC) describe the scope of cover.

The cancellation cost insurance begins on the day when the rental arrangement is definitively booked.

 

A2 Territorial scope

The insurance is valid worldwide.

 

A3 Trigger

 

The insurance begins on the day the rental arrangement is definitively booked and continues until it ends.

 

A4 Policyholder and insureds

The policyholder is the person who has booked a rental arrangement with the intermediary. All persons are insured who are included in the booking confirmation and for whom a corresponding premium has been paid.

 

A5 Premium payment

The premium is due when the insurance is taken out / the definitive booking is made.

 

A6 Obligations in the event of a claim

The insured must notify the intermediary immediately. The loss event is to be reported to AXA using the claim form. Either by email: schaden @axa.ch or to the following address : AXA, Service Center , P. 0 . Box 357, 8401 Winterthur, phone 0844 802 008, from abroad +4158 218 11 00.

 

The following documents must be submitted with the claim form: booking confirmation / intermediary's cancellation statement / physician's certificate.

 

A7 Multiple insurance

A7.1 Multiple coverage

The same benefits may be drawn only once per insured event and insured, even if they are covered multiple times.

 

A7.2 Subsidiary clause

In the case of multiple insurance, AXA pays its indemnit y on a subsidiary basis. The right of recourse shall be transferred to AXA in the same amount as AXA has paid benefits.

 

A8 Upper financial limit in the event of a claim

 

AXA's benefits are limited to a maximum of  

CHF 1,000,000.

 

A9 Principality of Liechtenstein

lf the policyholder is resident in the Principality of Liechtenstein or if the policyholder's registered office is locat ed in the Principality, the references to provisions of Swiss law contained in the insurance contract documents shall relate to the corresponding provisions of Liechtenstein law.

 

A10 Applicable law and place of jurisdiction

 

A10.1 Applicable law

This contract is subject to Swiss law. For contracts that are subject to Liechtenstein law, the binding provisions of Liechtenstein law take precedence if they differ from these General lnsurance Conditions (GIC).

 

A10.2 Place of jurisdiction

The ordinary courts of Switzerland shall have exclusive jurisdiction over any disputes arising out of or in connection with this insurance contract; in the case of policy­ holders residing or having their registered office in the Principality of Liechtenstein , the ordinary courts of Liechtenstein shall have exclusive jurisdiction over any such disputes .

 

A11 Sanctions

lnsurance coverage does not appl y insofar and as long as applicable statutory economic, trade, or financial sanctions inhibit indemnification under the contract.

 

A12 Non-insured events

A12.1   

Events that had already occurred when the insurance contract was taken out/the rental arrangement was booked or that the insured should have been aware of.

 

A12.2

Events in connection with mental illness. Exception: The mental illness is confirmed by a psychiatrist by means of a medical certificate.

 

A12.3   

Events in connection with war, revolution, rebellion, civil unrest, or revolt if the insured was actively involved.

 

A12.4   

Events in connection with participation in races, motor        

rallies and similar competitive driving, and in all driving on racetracks or training circuits (e.g. skid training, competitive driving courses).

 

A12.5   

Events in connection with changes in the program or itinerary of the booked rental arrangement by the opera­ tor or transportation company, including those resulting from an official ruling.

 

A12.6   

Events in connection with the premeditated commission or attempted commission of crimes or misdemeanors.

 

A12.7   

Events in connection with acts of daring involving the deliberate exposure to risk.

 

A12.8   

Events in connection with a pandemic are not insured.

 

A12.9   

Events under Part B of the General lnsurance Conditions (GIC) connected with coronavirus SARS-CoV-2 and the ill­ ness COVID-19 (including mutations) are not insured.

This does not include B1.

 

 

A13 Definitions

A13.1 Natural-hazard events

"Natural-hazard events" refer to the events in the follow ing exhaustive list: high water, flooding, wind, hail, avalanche, risk of avalanche, snow, snow pressure, snow­ slide, rockslide, earthquake, landslide, rockfall, volcanic eruptions.

 

A13.2 Pets

"Pets" are defined as animals that normally cohabit with the insured.

 

A13.3 Authorities

"Authorities" are defined as responsible official departments (especially the Federal Department of Foreign Affairs (FDFA) and the Federal Office of Public Health (FOPH).

 

Part B

Cancellation cost

 

B1      lnsured events

B1.1Accident, illness, and death

B1.1.1 The insured has an accident, falls ill, ordies.

B1.1.2 A person related/close to the insured has an accident, falls ill, or dies.

B1.1.3 The person deputizing for the insured at work has an accident, falls ill, or

dies.

B1.1.4 The insured's pet has an accident, falls ill , or dies.

 

B1.2 Coronavirus/COVID-19 (incl. mutations)

lf the insured falls ill with COVID-19 or enters into quarantine or self-isolation because of COVID-19 and consequently cannot commence the rental arrangement, this is covered. The same applies to related persons: lf, for example, the parents, children, siblings, or partner falls ill with COVID-19 and the insured is consequently obliged to cancel the trip, AXA bears the costs.

 

B1.3 lmpaired use of property

B1.3.1 The property of the insured at his/ her main or secondary residence suffers considerable damage due to a natural-hazard event, fire, or water, or is affected by theft. As a result, the insured cannot commence or continue the rental arrangement as planned.

 

B1.3.2 lmpaired use of property also includes cases in which the main or secondary residence is damaged du ring a burglary or attempted burglary.

 

B1.4 Natural-hazard event or fire

According to confirmation by an authority, the rental arrangement cannot be commenced or continued as planned due to a natural-hazard event or fir e.

 

B1.5   Strike

            B1.5.1 The rental arrangement cannot be commenced or con tinued as planned due to a strike at a business relevant to the trip, at a travel service provider, or at a government authority.

            B1.5.2 AXA may request confirmation of the strike from an authority in accordance with A13.3.

 

B1.6     Terrorism, warlike events, revolution, rebellion, civil unrest

B1.6.1 According to confirmation by an authority, the rental arrangement cannot be commenced or continued as planned due to terrorism, warlike events , revolution, rebellion, or civil unrest.

              B1.6.2 The insurance coverage applies for four weeks after the first occurrence of the event.

 

B1.7     Restricted zone, quarantine, epidemic, or radioactive radiation

Following confirmation of an epidemic or radioactive radiation, the rental arrangement  cannot be commenced or continued as planned.

 

B1.8 Loss of job

The insured unexpectedly loses his/her job after booking the rental arrangement.

 

B1.9 Start of a new job

The insured takes up a new job and the new employer does not consent to the former's booked rental arrangement.

 

B1.10 Failure of public means of transportation

 

B1.10.1 The rental arrangement cannot be commenced or continued as planned because a public means of transporta tion fails or is late by at least one hour.

 

B1.10.2   In the case of public flights, the insurance covers cancellations as well as delays of at least two hours .

 

B1.10.3 lf a means of public transportation fails, the insured is obligated to first seek redress from the tour operator or transportation company.

 

B1.10.4 AXA shall pay benefits only insofar as the cancellation costs are not covered by third parties (subsidiary cover).

 

B2 lnsured benefits

B2.1 Non-departure

AXA pays the cancellation fees, including processing fees, that are due under the contract with the tour opera­ tor or transportation company or property owner.

  

B2.2 Delayed departure

AXA pays the additional costs of rebooking so that the original destination can be reached.

 

B2.3  Premature return

AXA pays the costs of the services not used.

 

B2.4  lndemnity limit

For each event, all benefits together are limited to the price originally paid by the insured. AXA pays, for each event, a maximum of the cancellation fees, including processing fees, that are due under the contract with the tour operator or transportation company or property owner.

Benefits are paid only for that portion of the rental arrangement that the insured actually uses.

 

B2.5 Pets

lf the insured 's pet cannot be placed with the intended caregiver prior to commencement of the rental arrangement because the caregiver has an accident, falls ill, or dies, AXA shall pay the costs of boarding up to a maxi­ mum of CHF 500.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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