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  Travel Insurance Glossary of Terms

When the following words and phrases appear in the policy document or booking confirmation, they have the meaning given below. These words appear in bold print.

A - G
H - M
N - S
T - Z
A - G

Accident

An unexpected event caused by something external and visible, which results in physical bodily injury, leading to total and permanent loss of sight, total and permanent loss of use of a limb or permanent disablement or death, within a year of the incident.

Area of cover

You will not be covered if you travel outside the area you have chosen, as shown on your booking
confirmation.

For all insurance (except Car rental excess insurance):

  • Extended Europe: Continental Europe, Mediterranean islands, Albania, Algeria, Andorra, Armenia, Austria, Azerbaijan, Azores, Balearic Islands, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland (Republic of), Isle of Man, Israel, Italy, Kosovo, Lapland, Latvia, Libya, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, Russia-West of Urals, San Marino, Serbia, Slovenia, Slovakia, Spain, Sweden, Switzerland, Tunisia, Turkey, Ukraine and the United Kingdom.
  • Worldwide: All countries in the world.

For Car rental excess insurance:

  • Extended Europe: Denmark, Continental Europe except Belarus, Mediterranean islands, the Channel Islands, Morocco, Algeria, Tunisia, Libya, Egypt, the Isle of Man, Turkey, Madeira, Canary Islands, the Azores, the Republic of Ireland, Iceland, Russia, Estonia, Latvia, Lithuania, UK, Moldova and Georgia.
  • Worldwide: All countries in the world excluding Afghanistan, Belarus, Cuba, Congo, Iran, Iraq, Ivory Coast, Liberia, North Korea, Burma (Myanmar), Sudan and Zimbabwe.

Business colleague

Anyone you work closely with, and whose unexpected absence from work means that a senior manager or director of your business needs you to cancel your trip.

Business equipment

Computer, television, fax and phone equipment (including mobile phones, PDAs) and any other equipment which is needed to carry out your business duties.

Business samples

Demonstration goods or samples of goods sold by your company.

Cash

Coins and notes that can legally be used as currency in any country.

Claims handler

Falck Global Assistance who provide medical assistance and process the claims on behalf of the insurer.

Couple

The main policyholder and his/her spouse, civil partner (including same-sex, in a common law relationship or who have co-habitated for at least 6 months) or fiancé(e), together in a domestic relationship residing at the same address.

Departure point

The airport, station or port where:

  • your outward trip to your destination begins;
  • any connecting or other pre-booked flights or other transport begins if your trip has more than one destination or connection; or
  • your return trip back home begins (including any connecting transport you take later).

Doctor

A legally qualified doctor who holds the necessary certification in the country they are currently practising in. This person must not be related to you or anyone you are travelling with.

Excess

The deduction we will make for the amount otherwise payable under this policy for each person insured, for each section, for each claim incident. For example a couple that both have personal belongings stolen from their bag and both incur a medical expense during the same journey, will have a total of four excesses deducted. Two of these will be for the two claims under section 8 – Personal belongings - and two of these will be for the two claims under section 1 (medical).

Family

One or two adults and all of their children (including foster children) aged up to 18. All members of the family must live at the same address (see the note below). Children may not travel independently but must travel with at least one adult named on the policy.

Note: If you are divorced or separated and your children do not live permanently with you they can still be covered under this policy.

Fragile items

China, glass, pottery or other fragile items that are likely to break easily.

Golf equipment

Golf clubs, golf bag, golf trolley and golf shoes.

H - M

Home

Where you normally live in Denmark.

Insurer

For all Sections (excluding Section 12):

AWP P&C S.A., Dutch branch, trading as Allianz Global Assistance Europe.

For End Supplier Failure Cover (Section 12):

Certain Underwriters at Lloyds.

Journey

See ‘trip’

Legal action

Work carried out by your lawyer in your defence.

Luggage

Clothes, footwear, toiletries and sports equipment (not including ski or snowboard equipment) and
any other items that you wear, use or carry that belong to you or that you are legally responsible
for that have been checked in to the transport provider.

Motor vehicle

Travel insurance with Gold cover:

A moped, motorcycle, car, light van or people carrier owned by a licensed rental company or agency, which you have agreed to hire from them according to the terms of your rental agreement. The vehicle must:

  • be no more than 10 years old and has no more than 9 seats;
  • not be a motor home, camper van, commercial vehicle, minibus, taxi or driving school vehicle;
  • be valued with a retail purchase price of less than DKK 550 000.

Car rental excess insurance only:

The vehicle owned by a licensed rental company or agency, which you have agreed to hire from them according to the terms of your rental agreement. The vehicle must:

  • be no more than 10 years old;
  • have no more than 9 seats;
  • not be more than 3500 kg overall weight;
  • not be a motor home, campervan, commercial vehicle, minibus, motorcycle or moped, taxi or driving school vehicle;
  • have a retail purchase price of less than DKK 550 000.
N - S

Pair or set

A number of items of personal belongings that belong together or can be used together (for example, matching necklace and earrings, photographic equipment or a set of golf clubs).

Period of insurance

Cancellation insurance cover begins on the date you purchased the insurance as shown on the
insurance confirmation email and ends when the first part of your pre-paid arrangements (e.g.
transport or accommodation) begins.

End supplier failure cover begins on the date you purchased the insurance (providing the additional
premium for this has been paid and is shown on the insurance confirmation email or you hold a
Silver or Gold policy) and ends once you take the final part of your pre/paid arrangement (e.g.
transport or accommodation).

Cover for Car rental excess insurance starts at the beginning of your rental period and finishes at the end of your rental period. All cover ends on the expiry date shown on your insurance confirmation email.

Cover for all sections (excluding Cancellation and End supplier failure) start at the beginning of
your trip(s) and finishes at the end of your trip(s). All cover starts on the date shown on the
insurance confirmation email and ends on the expiry date shown on the insurance confirmation
email, unless you cannot finish your trip as planned because of death, illness or injury or if your
booked transport is delayed and this cannot be avoided. In these circumstances, we will extend
cover free of charge until you can reasonably finish the trip.

Personal belongings

Luggage, clothes, valuables, sports equipment (not including ski or snowboard equipment) and any other items that you wear, use or carry that belongs to you or that you are legally responsible for.

Personal money

Cash, cards, tickets or vouchers which have a monetary value (for example phone-cards, gift vouchers, admission and travel tickets). These must all be held for private and not business purposes.

Relative

Your mother (in-law), father (in-law), step parent (in-law), sister (in-law), brother (in-law), wife, husband, son (in-law), daughter (in-law), step child, foster child, grandparent, grandchild, uncle, aunt, nephew, niece, cousin, partner (including common law and civil partnerships) or fiancé(e).

Rental period

The dates you have arranged to hire the motor vehicle, as confirmed on your rental agreement. A rental which is booked to last longer than 31 days is not covered.

Resident

A person who has their main home, and is registered with a doctor, in Denmark and has not spent more than six months abroad during the year before the policy was issued.

Ski equipment

This consists of skis, poles, boots, bindings, snowboards or ice skates.

Ski pack

Hired ski equipment, ski school fees and lift passes.

T - Z

Travelling companion

Any person who has booked to travel with you on your trip.

Trip

A trip that takes place during the period of insurance which begins when you leave home and ends when you get back home or to a hospital or nursing home in Denmark, whichever is earlier. If you purchase insurance after you leave home, the purchase must take place in Denmark prior to departure (e.g. at the airport). In this instance, the period of insurance will begin from the time you first board the transport taking you to your destination (aircraft, ferry etc). If your trip is within Denmark then you must purchase the cover before you leave your home for your policy to be valid.

  • For Single trip cover:
    • you will only be covered if you are aged 70 or under on the date your policy was issued.
    • a trip which is booked to last longer than 180 days is not covered.
    • any other trip which begins after you get back is not covered.
  • For Annual multi-trip cover:
    • you will only be covered if you are aged 70 or under on the date your policy was issued.
    • Bronze Policy
      • Cover is for trips of 31 days or less per trip only. We will not insure you for any part of a trip that exceeds 31 days in duration.
    • Silver Policy
      • Cover is for trips of 45 days or less per trip only. We will not insure you for any part of a trip that exceeds 45 days in duration.
    • Gold Policy
      • Cover is for trips of 60 days or less per trip only. We will not insure you for any part of a trip that exceeds 60 days in duration.
  • For Backpacker cover:
    • you will only be covered if you are aged between 17 and 35 on the date your policy
      was issued.
    • a trip which is booked to last longer than 18 months is not covered.
    • any other trip which begins after you get back is not covered.
  • For all policy cover types:
    • Trips within Denmark must be for at least 2 nights and have:
      • pre-booked transport or accommodation; or
      • be more than 30 km from your home (unless it involves a sea crossing).
    • You will only be covered for taking part in wintersports activities when the extra premium has
      been paid and this is shown on the insurance confirmation email.
    • You will only be covered for End supplier failure when the extra premium has been paid and
      this is shown on the insurance confirmation email or if you hold a Silver or Gold policy.

Unattended

Personal belongings that are not in your full view unless they are locked in the accommodation you are using on your trip or they are out of sight in the locked boot, locked roof box or in the glove compartment or covered luggage area of a locked motor vehicle.

Unemployment

Loss of permanent paid employment through no fault of your own, after continuously working with the same employer for at least six months.

Valuables

Jewellery, watches, items made of or containing precious metals, or precious or semi-precious stones, furs, binoculars, telescopes, computer games, any kind of photographic, audio, video, computer (including tablets and e-readers, memory sticks and cards), television, fax and phone equipment (including mobile phones), personal media players (including MP3s and MP4s), PDAs, satellite navigation equipment, electronic games, TVs and CDs, mini discs, DVDs, cartridges, video and audio tapes.

We, our, us

For all sections (except Section 12): Allianz Global Assistance Europe.
For End supplier failure insurance (Section 12): International Passenger Protection Limited

Winter sports

The following activities are covered if winter sports cover is shown on your insurance confirmation email during the period of insurance:

  • Skiing, snowboarding, big-foot skiing, cross-country skiing, glacier skiing, mono-skiing, sledging, snow blading and tobogganing.
  • Off piste skiing is covered when you are skiing within the ski area boundaries of a recognised ski resort and following ski patrol guidelines.

There is no cover for:

  • Bobsleighing, heli skiing, luging, ski acrobatics, ski flying, ski jumping, ski racing, ski stunting or
    snow cat skiing, any winter sports activity when performed against local authority warning or
    advice.

You, your, yourself, insured person

Each person shown on the booking confirmation, who the appropriate insurance premium has been paid for.

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Allianz Global Assistance Travel Insurance is underwritten by AWP P&C S.A. - Dutch Branch, trading as Allianz Global Assistance Europe with offices at Poeldijkstraat 4, 1059 VM Amsterdam, The Netherlands. Registered at the Netherlands Authority for the Financial Markets (AFM) Nº 12000535, Corporate Identification no 33094603

AWP P&C S.A. is authorised by Autorité de Contrôle Prudential in France and is regulated by the Danish Financial Supervisory Authority (Finanstilsynet) for the conduct of business in Denmark.