Supplementary Property Insurance URA Terms and Conditions of Insurance, 1 July [Title 3]

Transcription

1 Supplementary Property Insurance URA Terms and Conditions of Insurance, 1 July 2011 [Title 3]

2 Page 2 (7) Contents 1 Take out insurance, scope and deductibles Insurance cover Notification of damage/loss... 7

3 Page 3 (7) 1 Take out insurance, scope and deductibles This insurance policy is a supplementary insurance to a URA Insurance policy. When this insurance is signed simultaneous as the URA insurance, the supplementation is specified in the confirmation of the other insurance (the main insurance). This insure has the same scope as the main insurance with regards to time, space and insured persons. No deductibles shall apply to this insurance.

4 Page 4 (7) 2 Insurance cover Damage to, or loss of, personal effects accompanying the insured or acquired by the insured during the stay abroad, will be compensated with an amount not exceeding the amount in SEK that has been agreed between the State authority and Kammarkollegiet and that is then stated in the insurance confirmation from Kammarkollegiet. This amount applies as a total for the employee and accompanying family members, as far as such exist. Loss of cash and documents of value is compensated with an amount not exceeding SEK 5,000. Jewellery and watches are compensated with an amount not exceeding SEK 10,000 per item. The compensation may be adjusted if the insured has been negligent. The same applies if the insured has not reported the loss or made efforts to limit the damage. The insurance does not apply to the following: 1. damage to, or loss of, cash, travel documents, articles made in whole, or in part, of precious metals, genuine pearls and precious stones, pocket phones, cameras or computers with accessories, electronic equipment, alcoholic beverages or other delicate or valuable property attractive to thieves, if such property has been left for transportation, registration or other form of storage. 2. functional failures that occur, unrelated to any external damaging event. 3. damage caused through wear and tear, superficial damage such as dents or scratches without substantial effect on usability. 4. damage or loss that can be compensated through other insurance, transportation companies, hotels, or similar. 5. damage to sports equipment while in use. 6. damage to, or loss of, a motor-driven vehicle, boat, aircraft, mobile home or trailer, goods in transit, or injury to or loss of an animal. 7. purchases or withdrawals made with the use of a stolen or lost banker s card. 8. Consequential damage arising due to the loss of baggage, such as the cost for a replacement lock, travel or telephone calls. Note Delicate articles and valuable property attractive to thieves should be carried as hand luggage. The traveller should be aware that

5 Page 5 (7) thefts from checked-in, locked suitcases are not unusual. Kammarkollegiet will assume title to lost property which Kammarkollegiet has replaced. If an article that has been replaced is found, the traveller shall notify Kammarkollegiet thereof as soon as possible. Instructions The traveller must produce evidence that the matter has been reported, as follows: Thefts shall be reported immediately to the local police authority. Thefts from a hotel shall also be reported to the hotel. Damage to, or loss of, transported baggage shall be reported to the transportation company. In the first instance, any liability of, undertakings by, or offers from, the hotel or transportation company shall be called upon and claimed against. The traveller must exercise normal caution, i.e. must handle and keep the property in a safe manner and otherwise do what is reasonably necessary to avoid being the victim of theft or other damage/loss. For example, to leave money in a hotel room or to leave property attractive to thieves in a car is usually regarded as negligence. In the case of negligence, the compensation will usually be reduced by one half, if circumstances do not show that the negligence was minor or of minor significance to the insured event. If the negligence has been particularly gross in nature, the right to compensation may be withheld completely. If the traveller has forgotten, lost or mislaid property an adjustment shall be made, which is normally 50 per cent. Compensation rules In the event of damage to property, the proven cost of repair will be reimbursed with an amount not to exceed the property s value prior to the damage. In the event of damage or loss, reimbursement will only be made if the traveller can prove ownership and damage or loss of the item. In the event of damage or loss that is not repairable, the market value of the property prior to the loss will be reimbursed. If an actual market value cannot be established, the value is calculated at replacement cost, less deductions for age and use. Deductions for age and use are 10 per cent per year, from the start of the second

6 year after purchase, up to a maximum of 70 per cent. For clothes, shoes and boots, deductions for age and use are 20 per cent per year, from the start of the first year after purchase, up to a maximum of 70 per cent. For consumable items such as cosmetics, perfume and hygiene articles, and for underwear, reimbursement is made for 50 per cent of the prices as new. Page 6 (7)

7 Page 7 (7) 3 Notification of damage/loss Forms for the notification of damage/loss are available on the Kammarkollegiet website: A notification of damage/loss must be signed by both the insured and State authority. In addition, the party requesting compensation shall: 1. in the event of theft, enclose proof, issued by the local police in the location where the loss occurred, that a report has been lodged; 2. in the event of injury, theft, or loss that has occurred during transportation or in a hotel, enclose proof, issued by the transportation company or the hotel, that a report has been lodged; 3. submit detailed requests for compensation and enclose original receipts or other vouchers; 4. if the same damage/loss is covered by other insurance, inform Kammarkollegiet thereof; 5. at the request of Kammarkollegiet, provide information and submit the documents that Kammarkollegiet requires to adjust the claim, and also co-operate so that the damaged property can be inspected. Instructions If the insured neglects undertakings in accordance with the terms and conditions of the Supplementary Property Insurance, reimbursement may be reduced or withheld in full.