allianz cg assist 40030042010 gb

ONLY THE CONTRACTS IN FRENCH ARE LEGAL. THE FOLLOWING DOCUMENTS HAS BEEN TRANSLATED FOR YOUR
INFORMATION ONLY.
HOME ASSISTANCE
ONLY THE CONTRACTS IN FRENCH ARE LEGAL. THE FOLLOWING
DOCUMENTS HAS BEEN TRANSLATED FOR YOUR INFORMATION ONLY.
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ONLY THE CONTRACTS IN FRENCH ARE LEGAL. THE FOLLOWING DOCUMENTS HAS BEEN TRANSLATED FOR YOUR
INFORMATION ONLY.
CONTENTS
Setting up and using the services
Chapter I – Scope of the cover
1.
2.
3.
4.
Insured parties
Valid term of the cover
Geographical cover
Generating factors
Chapter II – damage to the home in the absence of the insured
2.1 Urgent return to the home
2.2 Security of the damaged home
Chapter III – Damage making the home uninhabitable
3.1 Accommodation
3.2 Transfer of furniture
3.3 Security of the damaged premises
Chapter IV – Emergency help after damage to the home
4.1 Emergency items
4.2 Domestic help
4.3 Call-outs
4.4 Replacement vehicle
Chapter V – Physical injury in the home
5.1 Transport to hospital
5.2 Childminders and looking after pets following hospitalisation
5.3 Home help
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ONLY THE CONTRACTS IN FRENCH ARE LEGAL. THE FOLLOWING DOCUMENTS HAS BEEN TRANSLATED FOR YOUR
INFORMATION ONLY.
Chapter VI – Assistance with everyday life
6.1 Transmission of urgent messages
6.2 Broken locks and lost keys
6.3 Breakdown repair/towing a vehicle from the home
Chapter VII – Useful everyday information
7.1 Allo Info
7.2 Allo Finance
7.3 Bien-Être (Well-Being)
7.4 Childhood Problems
7.5 Job Info
7.6 Allo Bricolage (DIY)
Chapter VIII - Exclusions
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ONLY THE CONTRACTS IN FRENCH ARE LEGAL. THE FOLLOWING DOCUMENTS HAS BEEN TRANSLATED FOR YOUR
INFORMATION ONLY.
Setting up and using the services
HOW TO SET UP THE SERVICE
Mondial Assistance France
7 days a week, 24 hours a day
and Monday to Saturday from 9.00am to 8.00pm for the information
services
By telephone:
By fax:
in France:
Abroad:
01 40 25 5085
33 1 40 25 50 85
02 43 80 2555
On the first telephone call, the insured must provide his/her:
• Policy number
• First name, surname and address
• Reference number: Reference 921307.
A help-line telephone number is then given to the insured who must then
always use this number for all further contact with Mondial Assistance.
Charges incurred by the insured for calling Mondial Assistance are refunded on
provision of documentary evidence (originals, not copies).
USING THE SERVICES
Use of the services covered by this rider can only be set up with the prior
agreement of Mondial Assistance.
As a result no expense incurred by the insured without this agreement
can be refunded by Mondial Assistance France.
In addition, we should state that Mondial Assistance is not able to intervene in
the choice of methods and destinations chosen by the emergency services and
as a result is not liable for the corresponding costs.
We should also state that any costs for taxi transfers (to a hotel, railway station,
airport, car hire offices, etc.) are included in the limits defined for each service.
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ONLY THE CONTRACTS IN FRENCH ARE LEGAL. THE FOLLOWING DOCUMENTS HAS BEEN TRANSLATED FOR YOUR
INFORMATION ONLY.
Chapter 1
Scope of the cover
1. Insured parties
1.1.1 Persons covered
The following persons are covered by this rider:
• The holder of the Référence Habitation insurance policy
• His/her spouse (or legal partner)
• Their children for which they are financially responsible
• Their direct ascendants, resident in Metropolitan France or in the Principality
of Monaco, and who normally live under the same roof.
1.1.2 The Home
The residential property subject of the Référence Habitation insurance policy is
covered by this rider.
2. Valid term of the cover
The assistance cover is limited to the valid term of the insurance policy. It
expires and it can be renewed or cancelled on the same date and under the
same terms and conditions.
3. Geographical cover
This assistance rider applies to Metropolitan France and the Principality of
Monaco.
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ONLY THE CONTRACTS IN FRENCH ARE LEGAL. THE FOLLOWING DOCUMENTS HAS BEEN TRANSLATED FOR YOUR
INFORMATION ONLY.
4. Generating Facts
1.4.1 Persons covered
The services defined in this rider are provided in the case of an accident
occurring to the insured at their home.
1.4.2 The Home
The services defined in this rider are provided in the case of explosion, fire,
flood damage, storm or natural disaster, or theft occurring at the home of the
insured.
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ONLY THE CONTRACTS IN FRENCH ARE LEGAL. THE FOLLOWING DOCUMENTS HAS BEEN TRANSLATED FOR YOUR
INFORMATION ONLY.
Chapter II
Damage to the home in the absence of the insured
2.1 Urgent return to the home
Where the insured is away whilst the home is damaged, Mondial Assistance
organises and pays for his/her urgent return to the home by providing a 1st class
train ticket or an economy class air ticket, if this is the only means of transport
that can be used.
It is understood that where he/she is unable to use the means of transport
initially planned for their return, the insured arranges to be refunded for any
transport ticket, and that the sum refunded shall be reimbursed to Mondial
Assistance within the shortest delay.
If, due to the fact of his/her return the insured has left his/her vehicle at the
place being visited, Mondial Assistance provides a transport ticket so that he/
she can collect it.
2.2 Security of the damaged home
In the absence of the insured, Mondial Assistance takes, with his/her
authorisation, all necessary protective measures.
In addition, Mondial Assistance pays in advance, where necessary, the costs of
bailiffs, locksmiths, carpenters and plumbers.
The costs relating to the protective measures as well as the sums paid in
advance are repayable within forty-five days of them being paid. After this
deadline, Mondial Assistance has the full right to seek their recovery.
If the insured’s home has become vulnerable, Mondial Assistance arranges and
pays for security for the home for a maximum period of forty-eight consecutive
hours.
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ONLY THE CONTRACTS IN FRENCH ARE LEGAL. THE FOLLOWING DOCUMENTS HAS BEEN TRANSLATED FOR YOUR
INFORMATION ONLY.
Chapter III
Damage making the home uninhabitable
3.1 Accommodation
3.1.1 Hotel costs
Mondial Assistance arranges hotel accommodation for the insured up to a limit
of €61 including tax per person, with maximum of €1525 including tax for the
whole family.
Mondial Assistance organises and pays for the cost of transport of the family to
the hotel within a radius of one hundred kilometres of the home.
3.1.2 Transfer of children aged under fifteen years to a relative
Mondial Assistance provides either:
• To a person resident in Metropolitan France or Monaco, appointed by the
insured, a 1st class return train ticket, or an economy air ticket where this is
the only means of transport that can be used, free of charge, to collect the
children (or infants) under fifteen years of age and take them to a relative
appointed by the insured in Metropolitan France or Monaco.
• Or, if it is not possible to contact one the persons appointed by the
policyholder, or if they are unable to travel, Mondial Assistance sends a
childminder to collect the children and take them to the person appointed by
the insured.
Mondial Assistance pays for the cost of this service within a radius of three
hundred kilometres of the home.
3.2 Transfer of furniture
3.2.1 Transport of furniture
If the insured wants to transfer all or part of his/her furniture to another location,
Mondial Assistance provides a commercial vehicle – without a driver – up to a
limit of €458 including tax so as to allow the furniture to be transferred.
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ONLY THE CONTRACTS IN FRENCH ARE LEGAL. THE FOLLOWING DOCUMENTS HAS BEEN TRANSLATED FOR YOUR
INFORMATION ONLY.
3.2.2 Uninhabitable for a long period: professional removals
If the home is uninhabitable for more than thirty days and it is necessary to
move the furniture, either to a new residence, or to storage, or to any other
place where it will be secure, Mondial Assistance organises and pays for the
removal to this new residence or the storage warehouse, within a radius of fifty
kilometres of the home, up to a limit of €1000 including tax per claim.
This move must however be made within sixty days of the damage occurring.
3.3 Security of damaged premises
If the insured’s property has become vulnerable, we arrange and pay for
security for the home for a maximum period of forty-eight consecutive hours.
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ONLY THE CONTRACTS IN FRENCH ARE LEGAL. THE FOLLOWING DOCUMENTS HAS BEEN TRANSLATED FOR YOUR
INFORMATION ONLY.
Chapter IV
Emergency help after damage to the home
4.1 Emergency items
Where the damage has made the insured’s home uninhabitable and has
destroyed his/her personal effects, Mondial Assistance provides any clothes
and toiletry items that are urgently required, up to a limit of €305 including tax
per person, with a maximum of €1220 including tax per family.
In addition, if the policyholder has no financial means, Mondial Assistance
provides, as an interest-free loan, a maximum sum of €4574 including tax.
This sum is repayable within a period of three months, over which Mondial
Assistance has the right to seek recovery of the sum.
The insured authorises Mondial Assistance to deduct the loaned sum directly
from the amount settled for the claim.
4.2 Domestic Help
Mondial Assistance can also provide and pay for domestic help for the insured,
in order to help restore the home to habitable state, up to a limit of €229
including tax.
4.3 Call-outs
4.3.1 Emergency call-outs
Mondial Assistance operates 24 hours a day to look for and to provide
telephone numbers of repair companies within a radius of thirty kilometres of
the home, such as plumbers, carpenters, electricians, locksmiths, glaziers, etc.
Our service is limited to providing one or more telephone numbers: in no case is
Mondial Assistance able to recommend a company or become involved in any
issue relating to the quality of the work carried out by the repairer, or relating to
the speed of the call-out.
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ONLY THE CONTRACTS IN FRENCH ARE LEGAL. THE FOLLOWING DOCUMENTS HAS BEEN TRANSLATED FOR YOUR
INFORMATION ONLY.
4.3.2 Breakdown of household electrical appliances
In the event of a breakdown of a household electrical appliance, Mondial
Assistance arranges for a repairer to call out at the earliest opportunity, to repair
the appliance, or to offer a replacement where the breakdown requires a longterm repair.
In the case where a repair is not possible, the repairer shall advise the insured
over the choice of a new appliance.
In no case is Mondial Assistance able to become involved in any issue relating
to the quality of the work carried out by the repairer, or relating to the speed of
the call-out.
All costs are to be paid by the insured.
4.3.3 Broken locks
Mondial Assistance arranges for a locksmith to be called out at the earliest
opportunity, and pays for this call-out up to a limit of €77 including tax.
4.4 Replacement vehicle
If, following damage occurring at the home, the insured’s vehicle which was
present there and is damaged or destroyed, Mondial Assistance arranges and
pays for the towing and repair charges up to a maximum limit of €122 including
tax.
Mondial Assistance also provides for the insured, whose damaged vehicle is an
unroadworthy condition and requires towing, a category A replacement vehicle
for a maximum period of three days.
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ONLY THE CONTRACTS IN FRENCH ARE LEGAL. THE FOLLOWING DOCUMENTS HAS BEEN TRANSLATED FOR YOUR
INFORMATION ONLY.
Chapter V
Physical injury in the home
5.1 Transport to hospital
In the event of an accident in the home, in addition to the emergency services
that the insured must call as a priority, Mondial Assistance can also provide help
and advice:
• In providing a doctor (where there is no GP)
• In organising transport to hospital by ambulance, with any additional
payment to the Social Security Department or any other emergency service
• In the return home when the health of the insured allows.
5.2 Childminders and looking after pets following
hospitalisation
5.2.1 Child-minding at home
Where the insured is responsible for children (and infants) under the age of
fifteen years old, Mondial Assistance arranges and pays for a qualified
childminder at home for a maximum period of two days.
During this period, Mondial Assistance also pays for, where required, return
transport to school for the children.
Mondial Assistance also offers you the organisation and payment of either:
• Travel of the children (or infants) under fifteen years of age to the home of a
relative resident in Metropolitan France or Monaco
• Or return travel (by train in 1st class, or by air in economy class if this is the
only means of transport that can be used) for this relative to the insured’s
home in order to look after the children.
This service cannot be combined with the previous service.
5.2.2 Looking after pets
Where the insured has pets (dogs or cats), Mondial Assistance arranges for
them to be looked after at home or at an approved centre and contributes to the
costs up to a limit of €229 including tax.
As soon as you call, Mondial Assistance does everything it can to meet your
request as fast as possible.
However, we do need a maximum period of five hours from the opening times of
the approved child-minding and pet-minding networks.
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ONLY THE CONTRACTS IN FRENCH ARE LEGAL. THE FOLLOWING DOCUMENTS HAS BEEN TRANSLATED FOR YOUR
INFORMATION ONLY.
5.3 Home help
In the event of hospitalisation for more than twenty-four hours, Mondial
Assistance provides home help for the insured, up to a limit of €305 including
tax, spread over the seven calendar days following the return home.
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ONLY THE CONTRACTS IN FRENCH ARE LEGAL. THE FOLLOWING DOCUMENTS HAS BEEN TRANSLATED FOR YOUR
INFORMATION ONLY.
Chapter VI
Assistance with everyday life
6.1 Transmission of urgent messages
Mondial Assistance arranges to pass on, free of charge, and by the fastest
means available, urgent messages that have been sent to the insured who is
unable to receive them during a journey or is away, for example in the case of
hospitalisation; or any that the insured has to send to any person resident in
Metropolitan France or Monaco.
Generally, the resending of messages is subject to:
• A justified request
• A clear and explicit message to be passed on
• Precise details of the first name, surname and full address, and where
possible, the telephone number, of the person to be contacted.
Sending these messages to Mondial Assistance for retransmission is done at
the cost of the sender.
6.2 Broken locks and lost keys
In the event of loss or theft of keys, or if the locks have been damaged following
a break-in, Mondial Assistance arranges for the call-out of a locksmith at the
earliest opportunity, and pays for the call-out up to a limit of €77 including tax.
6.3 Breakdown repair/towing a vehicle from the home
If the insured’s vehicle is immobilised at home, following a breakdown or an
accident, Mondial Assistance arranges for a breakdown repair/tow truck so that
the vehicle can be repaired on site or towed to the nearest garage. Towing
costs, including lifting and crane charges required by the call-out, are paid by
the insured.
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ONLY THE CONTRACTS IN FRENCH ARE LEGAL. THE FOLLOWING DOCUMENTS HAS BEEN TRANSLATED FOR YOUR
INFORMATION ONLY.
Chapter VII
Useful everyday information
7.1 Allo Info
ALLO INFO is a general information service carried out by a team of
information providers who can answer any question relating to legal matters, as
well as any requests for information on practical life:
• Housing/accommodation
• Administrative formalities
• Taxes/tax system
• Justice/defence/appeals
• Salaries
• National insurance/benefits/pensions
• Education/training
• Public services
• Consumer rights
Some requests may need some research, a telephone appointment within fortyeight hours will then be made.
Our services are provided only by telephone: no information provided by our
specialists can be substituted for that provided by experts such as lawyers,
legal advisors, etc.
In no case can this information be confirmed in writing.
7.1 Allo Finance
ALLO FINANCE is a general information service carried out by Mondial
Assistance’s team of financial information providers who can answer any
question relating to financial or economic matters:
• Watchdog on financial products
Characteristics, how they work, terms and conditions, taxation and
distribution network:
! Stocks and shares
Shares, bonds, public prospectuses, personal savings plans,
investment certificates, Treasury bonds, etc.
! Savings and pension products
Pension savings plans, savings accounts, tax exempt savings
accounts, retirement savings plans, LEP, property savings plans,
company savings accounts, life insurance, etc.
! Property shares
The property market, property paper (property investment
companies, property companies, etc.), annuities, etc.
! Credit
Short-term credit, mortgages, car loans, etc.
! Bank services
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ONLY THE CONTRACTS IN FRENCH ARE LEGAL. THE FOLLOWING DOCUMENTS HAS BEEN TRANSLATED FOR YOUR
INFORMATION ONLY.
Overdrafts, value dates, cheques and bank cards, transfers, direct
debits, private transactions, etc.
• The economic and financial environment
! The financial market and its operators
The primary market, secondary market, forward market, spot
market, second-tier market, MONEP, MATIF, monitoring and
controlling authorities, brokers, etc.
! Economic company news
Mergers, shareholding, disengagement, increase in capital, direction
and strategies, etc.
! The company in brief and key figures
Capital, backers, managers, activity, turnover, production, added
value, gross operating profit, CIF, net profit, working capital, working
capital requirements, finances, net assets, etc.
! Economic and financial ratios
Cost of entering the market, investments, productivity, accounts
funding and structure, profitability, etc.
! Listings and backgrounds, glossary of banking and stock
market terms
Some requests may need some research, a telephone appointment within fortyeight hours will then be made.
Our services are provided only by telephone: no information provided by our
specialists can be substituted for that provided by experts.
In no case can this information be confirmed in writing.
7.3 Bien-être (Well-being)
BIEN-ÊTRE is a general information service provided by the doctors of
Mondial Assistance’s medical team who can answer any question relating
to medical matters, including the following areas in particular:
• Health
• Vaccinations
• Fitness
• Diets
• Childcare
The doctors can answer any question relating to the insured. The information
given will always be in accordance with the medical code of ethics
(confidentiality and respect for medical privacy).
This service is designed to listen, to inform and to advise, and in no case can it
replace your GP.
The information provided cannot be a substitute for a medical
examination and no prescriptions of any kind can be issued.
In addition, in the event of a medical emergency, your first action must be to call
your GP, the fire service or the ambulance service (SAMU 15).
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ONLY THE CONTRACTS IN FRENCH ARE LEGAL. THE FOLLOWING DOCUMENTS HAS BEEN TRANSLATED FOR YOUR
INFORMATION ONLY.
However, where needed, Mondial Assistance’s medical team is on hand 24/24
to give information and advice.
7.4 Childhood problems
If a child is upset with his/her schooling (held back at school, does not get on
with a teacher, etc.) or displays a rejection of his/her social environment (drugs,
runs away, depression, etc.), the doctors of Mondial Assistance’s medical team
can answer any question and provide appropriate educational and
psychological advice.
7.5 Job info
Mondial Assistance offers a number of initiatives and advice specific to the
insured who is seeking employment or training, and can provide information
relating to the job market.
7.6 Allo Bricolage (DIY)
ALLO BRICOLAGE is a general information service that can answer any
question relating to DIY matters, and in the following areas in particular:
• Repairs
• Maintenance work
• Home improvements
Chapter VIII
Exclusions
Apart from the exclusions stated in the text of this rider, Mondial Assistance
cannot be held liable for services not being provided or for delays in providing
services caused by all cases of force majeure making it impossible to provide
the services, prohibitions decided on by local authorities or strikes.
Mondial Assistance shall not operate in the case where the insured is
deliberately in breach of legislation in force in France.
The following are also excluded:
1. Suicide attempts
2. Conditions resulting from the use of drugs, non-prescription drugs and
alcohol
3. Accidents relating to the practice of a sport as part of an official competition
organised by a sporting association and for which a licence has been
issued.
4. The costs for mountain or sea rescue.
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