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
For all insurance (except Car rental excess insurance):
For Car rental excess insurance:
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.
Computer, television, fax and phone equipment (including mobile phones, PDAs) and any other equipment which is needed to carry out your business duties.
Demonstration goods or samples of goods sold by your company.
Coins and notes that can legally be used as currency in any country.
Falck Global Assistance who provide medical assistance and process the claims on behalf of the insurer.
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.
The airport, station or port where:
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.
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).
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.
China, glass, pottery or other fragile items that are likely to break easily.
Golf clubs, golf bag, golf trolley and golf shoes.
Where you normally live in Denmark.
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.
Work carried out by your lawyer in your defence.
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.
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:
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:
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.
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.
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.
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).
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.
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.
This consists of skis, poles, boots, bindings, snowboards or ice skates.
Hired ski equipment, ski school fees and lift passes.
Any person who has booked to travel with you on your 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.
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.
Loss of permanent paid employment through no fault of your own, after continuously working with the same employer for at least six months.
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
The following activities are covered if winter sports cover is shown on your insurance confirmation email during the period of insurance:
There is no cover for:
You, your, yourself, insured person
Each person shown on the booking confirmation, who the appropriate insurance premium has been paid for.
How can we help?
Millions of people rely on us! With 1 intervention every 2 seconds, Allianz Global Assistance is the worldwide leader in travel insurance and assistance services. With a range of cover for individuals, couples and families with Single Trip, Annual Multi-Trip, Backpacker and Winter Sports options: our global network will have you covered 24/7.
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.