Insurance

All the things that the Insured takes with him for his personal needs during the journey are ensured against theft, fire, robbery, failure to return and/or damages by the Carrier, as well as the luggage shipped by  transportation companies.

In case of air travel, it is reimbursable up to a maximum of € 100.00, with the insured limit of indemnity,  purchases incurred abroad as a result of delays beyond 12 hours in luggage delivery, with the airline evidence, are refundable too. The request must be documented by original invoices or purchase receipts.

The insurance covers the total or partial loss and damage up to the insured amount. The indemnity for total or partial loss and the damage of the insured items is calculated on their market value at the moment of the accident. If the insured items have suffered from a depreciation caused by use, or for other reasons, this will be fairly taken into account. In case of damage the reparation amount will be refunded, upon invoice presentation.

In case of damages suffered  at the Airport:

-                      Delivery failure or damage: do immediately the RIP (Property Irregularity Report) at "Lost and Found" airport office. Always forward a written complaint to the carrier;

-                      theft: regular written complaint to the airport police station.
In case of damages suffered in other circumstances:
write immediately a  complaint to the local police authorities. Always forward a written complaint with the reimbursement request to the responsible Carrier or the Hotelier.

 Limitations: Covered up to 50% of the insured cumulative  capital and the maximum compensation for each object or good cannot exceed the amount of € 50.00:
a) jewels, pearls, gemstones, watches and gold , platinum or silver items, furs and other valuables: these items are insurance covered only if worn or carried on;
b) cameras, radios, televisions, tape recorders, electronic equipment: these items are not covered by insurance if included in the luggage delivered to a transport company or entrusted to third parties (hoteliers, restaurateurs, etc.).. Photo or camera kits (camera, television camera, binoculars, lenses, flash, filters, batteries, bags, etc...) are considered as a single object.
In case of  third parties liability (carriers, hotels, etc...) Mondial Assistance compensation will happen after the Carrier or the hotelier compensation, net of the sum already compensated and only if the compensation above referred is smaller than the maximum insured.

Also  excluded:

a) Money in all its forms (bills, checks, traveller’s checks, credit cards, etc..), travel tickets, documents, securities and all kinds of collections, art objects, weapons in general, goods, professional equipment, mobile phones, personal computers, samples, films, magnetic tapes and compact discs, camping equipment, sporting equipment in general and helmets;

b) Damages caused, directly or not, by Authorities’ displays, by war, civil or military disorders, riots, strikes, mines, pillages and earthquakes, unless the Insured proves that the incident has no connection to the event;

c) Damages intentionally caused or due to the Insured strong negligence;

d) Damages caused by normal use, inherent defects, fluid leakage, moths, worms, bad/inadequate or inappropriate packaging, weather;

e) Breaking damages, due to an accident involving  transport means, external facts, burglary, robbery, assault with a deadly weapon, fire extinguishing or fire;
f) damages due to forgetfulness, mislay or loss of an object and fall of pearls or precious stones from their embedding;

g) Insured staff theft or damage;

h) theft of luggage left on motorcycles boards, mopeds and bicycles;

i) Car radios and music tapes, as well as fixed accessories and for service of any vehicle;

j) Goods bought during the trip.

k) luggage, objects left in the car, camper or caravan are insured only if placed in a place not visible from outside or in the locked luggage van, and if the vehicle is parked in a garage or in a supervised park which you have to pay to use.

Lombard Gate S.r.l. in collaboration with Borghini and Cossa Srl brokers and Mondial Assistance, an  insurance company specialized in tourism coverage policies, agreed to specific insurance policy terms and favourable conditions, that participants are obliged to arrange at the booking time.

The insurance premium is not separated from the individual travel cost, since it is integral part of it and non-refundable.
The considered guarantees are “Cancellation charges”. "Interassistance 24 hours ", "Luggage" and their related conditions are also fully contained in the insurance certificate that will be delivered, with other travel documents, before the departure.