AMI Assistance Cover - General conditions of insurance

1. INFORMATION REGARDING THE COMPANY

Information note to the Contracting Party
This Information note has the purpose of supplying all the preliminary information necessary to the Contracting Party to be able to sign the chosen insurance with complete understanding of grounds and soundness of judgement. It is issued in full respect of the provisions imparted by the ISVAP on the basis of the European Union regulations emanated to protect the consumer for the sector of insurance against damages and contained in the Italian ordinance of the Legislative Decree of 17 March 1995, n° 175.
This note is issued in Italy in the Italian language, unless the Contacting Party requests it in another language.

Corporate name and legal procedure of the company
Filo diretto Assicurazioni is a joint-stock company with its registered office in Italy.

Registered Office
Centro Direzionale Colleoni - Via Paracelso 14 - 20041 Agrate Brianza (Mi). Any possible change will be opportunely communicated in writing to the Contracting Party by the Company.

Authorisation to effect insurance policies
Is authorised to effect insurance policies by the decree of the Ministry of Industry and Commerce and Crafts of 20.10.1993 (Official Gazzette of 3.11.1993 n° 258).

2. INFORMATION REGARDING THE CONTRACT

Legislation applicable to the contract
The legislation applicable to the contract is Italian; the Parties anyway have the faculty, before concluding the contract, of choosing a different legislation, except for the limits deriving from the application of imperative national regulations and except for the prevalence of specific provisions relative to the obligatory insurance provided for by the Italian ordinance.
Our company proposes to apply Italian law to the contract that will be stipulated.
In any case, the application of regulations imperative to Italian law will apply.

Prescription of rights deriving from the contract
In conformity with art. 2952 c.c. the rights of the Insured Party (subject in whose interests the contract is stipulated) deriving from the contract are invalid by prescription a year from the day on which the fact of right is based.

Complaints regarding the contract
The Client who is dissatisfied with the service received can make his reasons known to the Company Directors who are in any case available to provideall useful clarifications, by telephoning on freephone 800 - 824079. In any case the Client has the faculty to lodge a complaint with:
ISVAP
Istituto di Vigilanza sulle Assicurazioni Private e di interesse Collettivo Divisione reclami e tutela del consumatore.
Via del Quirinale 21
00187 ROMA (ITALY)

In the case in which the Parties have chosen to apply to the contract a legislation other than the Italian, the competent organ will be that foreseen by the specific legislation. Il Contracting Party can anyway approach the ISVAP, which will facilitate the communications and the relations with the aforesaid foreign Watchdog body

3. INFORMATION IN THE COURSE OF THE CONTRACT

Should any variations occur, during the course of the contractual duration, inherent to the information concerning the contract, the Company undertakes to communice it opportunely to the Contracting Party, as well as to supply any necessary detail.

Warning
This note is a document which has only informational value.

B) LAW 675/96 PRIVACY INFORMATION TO THE INTERESTED PARTY- AGREEMENT TO THE PROCESSING OF PERSONAL GENERAL AND SENSITIVE MATERIAL

INFORMATION TO THE INTERESTED PARTY

In conformity with art. 10 of the law 31 December 1996 n°675 (below denominated law), and in relation to the personal data that concerns you and which make up the object of processing, we inform you of the following:

1) Purpose of data processing
The processing
a) it is aimed at the Company being able to complete, manage and carry out its contracts and at the management and settlement of damages exclusively regarding the exercise of its insurance activities, to which the Company is authorisedin conformity with the legal provisions in force ;
b) can also be directed at the effectuation on the part of the Company of commercial information and promotion of the Company's own insurance products.

2)Modality of data processing
The processing
a) is achieved by means of operazioni o complessi di operazione indicati all'art.1, comma 2, let. B) of the law:gathering; registration and organisation; elaboration, including modification, comparison/interconnection; use, including consultation, communication; conservation; cancellation/destruction; security/protection, including accessibility/confidentiality, integrality,safeguarding;
b) it is carried out also with the help of electronic or anyway automated means;
c) it is carried out directly by the organisation and by subjects external to this organisation, making up part of the distributive chain of the insurance sector, in a management capacity and/or employed with the processing as well as by the Company of services, in a management capacity (cfr. successive point 9) and/or employed with the processing.

3) Data provision
Given the personal autonomy of the interested party, data provision can be:
a) obligatory based on law, community regulation or norm (e.g. for anti-recycling, Accident Registry office, Traffic Control Authority);
b) strictly necessary for the conclusion of new relationships or for the management and execution of juridical relationships in being or for the management and settlement of accidents;
c) optional with the aim of developing commercial informational and promotional activities of insurance products regarding the interested party himself.

4) Refusal to provide data
Any refusal on the part of the interested party to provide personal data
a) in the cases in which at point 3, lett. a) and b), leading to the impossibility of concluding or effecting the insurance contracts concerned or of managing or settling accidents;
b) in the case in which at point 3, lett. c), it does not lead to any consequences bearing on the juridical relationships in being or in the course of constitution, but precludes the possibility of effecting commercial informational and promotional activities of insurance products regarding the interested party.

5) Data communication
a) Personal data can be communicated - for the purposes stated at point 1, lett. a), and to be subjected to processing having the same aim or obligatorily required by law - to other subjects in the insurance sector, such as insured parties, coinsured parties and re-insured parties; agents, subagents, producers of the agency, insurance mediators and other channels of insurance contract acquisition (e.g. banks, SIM);lawyers, assessors and mechanics' workshops; Service companies to whom management of the settlement and payment of accidents is entrusted, as well as informatics and archiving service companies; associative bodies (ANIA) and syndicates in the insurance sector; ISVAP, Ministry of Industry, commerce and crafts, CONSAP, UCI, watchbody Commission of pension funds, Ministry of Labour and social welfare and other data bases with regard to which the communication dei of data is obligatory (e.g. Italian Central Registry Office of Accidents, Traffic and concessionary transport Control Authority);
b) In addition, personal data can be communicated, for the purpose of which point 1 lett. b), a Company belonging to the group (controlling, controlled and connected Company, also indirectly, in conformity to legal provisions in force).

6) Data diffusion
Personal data are not subject to distribution.

7) Transfer of data abroad
Personal data can be transferred anywhere in the world.

8) Rights of the interested party
Art. 13 of the Law confers on the interested party the exercise of specific rights, including that of obtaining from the proprietor confirmation of the existence or otherwise of his personal data and their availability in intelligible form; to be aware of the origins of the data, as well as of the logic and purpose on which their processing is based; to obtain the cancellation, transformation into anonymous form, or the blocking of data processed in violation of the law, as well as the updating, rectification or, if it is affected, the integration of the data; to oppose for legitimate reasons,the processing itself.

9) Processing owner
The owner of the processing is Filo diretto Assicurazioni S.p.A. with registered office at Agrate Brianza, Via Paracelso 14, in the person of the Legal advisor.

CONDITIONS OF INSURANCE

DEFINITIONS
The following precise significance is conventially attributed by the Parties to the expressions

ABROAD: Europeand the World, Italy excluded.
ACCIDENT: the occurrence of a fact of damage for il for which a guarantee of insurance is given.
COMPANY: Filo Diretto Assicurazioni S.p.A.
ADMISSION: permanence in a medical institution that involves at least an overnight stay.
BAGGAGE: clothing, sports articles and aarticles for personal hygiene, photocineoptical material and the suitcase, bag, rucksack in which they are contained and that the Insured Partyis carrying with him on the journey.
BREAKDOWN: any unforeseen event occurring to the vehicle, with the exclusion of any act of ordinary maintenance, and such as to make impossible its use in normal conditions, that is the result of wear, defect or operating failure as well as of fire.
CONTRACTING PARTY: the subject stipulating the insurance or the physical or juridical person organising the holiday who has signed the policy, assuming the relative charges, on behalf of the Insured Party.
EUROPE: All the European states as well as: Algeria, Cyprus, Egypt, Canary Isles, Israel, Lebanon, Lybia, Madeira, Morocco, Syria, Tunisia, Turkey.
FRANCHISE: Part of the indemnified damage, expressed as a fixed sum, to be paid by the Insured Party.
HEAD OFFICE: the stucture of the Company functioning every day 24/24 hours, to organise and supply the assistance service provided for by the policy, on request of the Insured Party.
HOLIDAY: the touristic services sold by the Contracting Party to the Insured Party.
ILLNESS: any alteration in the state of health not due to injury.
INDEMNITY: the sum owed by the Company in the case of accident.
INJURY: the event, due to casuality, violent and external, producing objectively evident bodily lesions.
INSURANCE: is the insurance contract.
DAMAGE: damage sustained to baggagefor breakage , collision, banging into fixed objects or furniture.
INSURED PARTY: the subject whose interests are protected by the insurance or each person enrolled into an organised holiday by the Contracting Party and regularly communicated to the Company.
ITALY: the territory of the Italian Republic, the Vatican and the Republic of San Marino.
POLICY: the document proving the insurance.
PREEXISTING ILLNESS: any illness that is the expression or direct consequence of chronic pathological or preexisting situations prior to the start of the holiday.
PREMIUM: the sum owed by the Contracting Party to the Company.
THEFT: is the crime provided for by art. 624 of the criminal code, perpetrated by anyone possessing himself of anything moveable, subtracting it from its owner, to the profit of himself or others.
TOURISTIC SERVICES: flights, hotel accommodation, transfers, car rental and anything else sold by the Contracting Party to the Insured Party.
UNCOVERED AMOUNT:the sum that, for any accident, is borne by the Insured Party, on a percentage basis of the damage to be indemnified in contractual terms.

NORMS REGULATING THE INSURANCE IN GENERAL

OTHER INSURANCE
The Insured Party must communicate in writing to the Company the existence and the successive stipulation of other insurance for the same risk; in the case of accident the Contracting Party/Insured Party must notify all insured parties, indicating to each the names of the others, in conformity with the 1910 article of the Civil Code.

OBLIGATIONS OF THE INSURED PARTY IN CASE OF ACCIDENT
In the case of accident the Insured Party must give telephonic and written notification to the Company in conformity with art. 1913 of the Civil Code and according to the modality provided for the individual insurance condition. Not fulfilling this obligation could lead to the total or partial loss of the right to indemnity in conformity with the 1915 article of the Civil Code.

PROFESSIONAL SECRECY
Relative to accidents forming the object of this Insurance, the Insured Party liberates the doctors who have checked or treated him, after or before the accident, from their professional secrecy, with regard to the Company.

REFERRAL TO LEGAL NORMS
The insurance is regulated by Italian law. The Parties agree that any dispute arising out of the present contract will be subject to Italian jurisdiction

GENERAL INSURANCE CONDITIONS

VALIDITY, STARTING DATE AND DURATION OF THE GUARANTEES
The guarantees start from the first day of the holiday (that is from the starting date of the touristic services purchased) and end when the said services terminate, in any case at the sixtieth day from the start of the holiday.

TERRITORIAL EXTENSION
The insurance is valid in the Country or group of Countries where the holiday is taken and where the Insured Party has had the accident originating the right to the insurance service. In the case of holidays by aeroplane, train, coach or ship, from the departure station (airport, railway or other of the organised holiday) to that of arrival in Italy or abroad at the end of the journey.

EXCEPTIONS
Excluded from the insurance are any consequences/or events deriving, directly or indirectly from:

valid for all the guarantees:

POPULACE EVENTS
- riots, mass movements;
- curfew, closing of frontiers, reprisals, sabotage;
- terrorism, war, insurrection.

EVENTS CAUSED BY THE INSURED PARTY
- wilful intent, voluntary and premeditated acts by the Insured Party;
- alcohol and drug abuse;
- non-therapeutic use of narcotics and hallucinogenic drugs;
- mental illnesses psychological disturbances in general, including neurotic behaviour.
- suicide or attempted suicide.

CATASTROPHIC EVENTS
- telluric motion, volcanic eruptions, flooding or other natural phenomena;
- atomic energy transformations or adjustments, natural or provoked, and the acceleration of atomic particles (nuclear fission or fusion, radioactive isotopes, accelerator machines, X-rays etc.).

valid for Assistance and Medical Expenses guarantees

ILLNESSES
- chronic states of illness exception made for unforeseen deterioration at the time of departure;
- expenses incurred during the holiday with the express purpose of undergoing medical or surgical treatment;
- mental illnesses and psychological disturbances in general including neurotic behaviour;

CRITERIA OF PAYMENT
The payment of what is contractually owed, is effectuated, on prior presentation of the original bills, slips and receipts duly paid. On request of the Insured Party the Company will return the aforementioned originals, with prior dating of the settlement and the amount paid thereon.
Whenever the Insured Party has presented the original bill, slip and receipt to a third party, to obtain reimbursement, the Company effectuate the payment of what is owed at the end of the present contract on prior demonstration of the expenses effectively incurred, net of the amount borne by the aforesaid third party. Reimbursements will always be made in Italy, in the circulating currency, at the average exchange rate of the weeks in which the expense was sustained by the Insured Party, calculated on the basis of the quotations of the Italian Office of Exchanges.

DISPUTES
The quantification of the damage will be carried out by the Company by means of direct agreement between the Parties or, inits absence, it will be established by two Assessors nominatedone per party. In the case of disagreementthey will elect a third assessor. If one of the two Parties does not nominate his own Assessor or fails to agree on a third assessor, the nomination will be made by the Chairperson of the Court under whose jurisdiction is the registered office of the Insured Party. Each of the Parties sustains the expense of its own Assessorand half of that of the Third Assessor. The decisions will be tyaken on a majority basis with dispensation from all legal formalities and are binding for the Parties, who agree from the start to renounce any appeal except in cases of violence, wilful intent, error or violationof the contractual pacts.

REIMBURSEMENT OF MEDICAL EXPENSES

OBJECT OF THE INSURANCE
Within the maximum limit per Insured Party of Euro 1,500.00 in Italy and Abroad medical expenses will be reimbursed incurred during the holiday, consequent on illness or injury happening in Italy or abroad during the period of validity of the guarantee relative to: medical fees, dental treatment following injury and within the limit of Euro 206.58, hospital admittance, surgical operations, medicines prescribed by a doctor.
In the case of hospital admittance following injury or illness to be indemnified within the terms of the policy the Head Office, on request of the Insured Party, will provide for the direct payment of the medical expenses. Any excess to the maximum sums provided for in the policy and the relative franchises will be borne by the Insured Party, who will have to provide for payment directly on the spot. For sums greater than Euro 1,032.91 the Insured Party must ask for authorisation from the Head Office.

Medical expenses incurred in Italy only for cases of injury occurring abroad will be reimbursed within the limit of Euro 516.45, as long as incurred within 60 days of the re-entry date.

FRANCHISE
For every accident an absolute Franchise of Euro 51.64 will be applied to be borne by the Insured Party.

ART. 3.3 - EXCEPTIONS
apart from the exceptions foreseen under the general conditions expenses for physiotherapeutic, nursing, thermal and slimming treatmentand for the elimination of physical congenital defects are excluded; as are expenses relative to spectacles, contact lenses, protheses and therapeutic equipment, those relative to operations and applications of an aesthetic nature. The insurance does not cover expenses incurred for voluntary abortion as well as services and therapies relative to fertility and/or sterility and/or impotence.

PERSONAL ASSISTANCE

OBJECT OF THE INSURANCE
The Company undertakes within the limits agreed in the policy, to make immediately available to the Insured Party, by means of Head Office staff and equipment, the service assured in the case in which the Insured Party finds himself in difficulty following the onset of an illness or an accident. The help can consist of financial or material assistance.

TELEPHONIC MEDICAL CONSULTATION
Whenever following illness or injury, it is necessary to ascertain the the state of health of the Insured Party, the Company will make available the Head Office Medical Service for the necessary contacts or checks to deal with the first aid.

SENDING A DOCTOR IN ITALY IN CASE OF URGENCY Whenever the Insured Party, on holiday in Italy, needs a doctor and cannot find one, the Company through Head Office makes available to the Insured Party, at night time (from 20 to 8) and 24/24 hours on Saturday and holidays, its own emergency doctor service which guarantees the availability of a general practitioner ready to intervene at the moment a request comes in. Calling Head Office and following an itial telephonic diagnosis with the internal emergency doctor, the Company will send the doctor requested free of charge. In the case di of not being able immediately to find a doctor and whenever the circumstancesmake it necessary, the Company, at its own expense, organises transfer of the patient by autoambulance to a first aid department.

INDICATION OF A DOCTOR ABROAD
When, following medical consultation (see "Telephonic medical consultation) the need for the Insured Party to undergo a medical check up, the Head Office will indicate a doctor in the area where the Insured Party is located compatibly with local availability.

ORGANISED MEDICAL TRANSPORT
The Head Office Medical Service, following illness or injury of the Insured Party, implying infirmity or injury not curable on the spot or that prevents continuation of the journey/or holiday, after consultation with the local doctor, and, if necessary/possible, with the family, will organise Trasport or medical re-entry. On the basis of the seriousness of the case, the Insured Party will be transported to the most suitable hospital for his state of health or taken home. The Head Office Medical Service will decide which means of medical transport to employ: -air ambulance - airline aeroplane -sleeping car - 1^st class cuccette - ambulance -other suitable means. Whenever the conditions make it necessary, the transport will be effected with accompanying medical staff and/or Head Office nurse.Re-entry from or to extra-European countries, excluding those of the Mediterranean basin, will be carried out exclusively by mainline aeroplane. The conditions are void whenever the Insured Party or members of his family, discharge themselves from treatment against the advice of the medical staff at the structure where the Insured Party has been admitted.

RE-ENTRY OF RELATIVES OR OF A TRAVEL COMPANION
In the case of medical Transport of the Insured Party, Transport of the corpse or Re-entry Rientro of a convalescent person, the Head Office will organise and the Company will bear the cost of (tourist classe aeroplane or 1st class train) of relatives or a travel companion as long as they are insured. The condition is valid whenever the Insured Party cannot use the travel tickets in his possession.

TRANSPORT OF THE CORPSE
In the case of death of the Insured Party in the course of his journey/or holiday, the Head Office will organise the transport of the corpse fulfilling the necessary formalities and bearing the necessary and indispensible expenses (post-mortem, documentation for transport of coffin) up to the burial place in the country of residence. In any case, excluded from the guarantee are expenses for funerary research, burial and possible recovery of the body.

JOURNEY OF A FAMILY MEMBER IN CASE OF HOSPITALISATION
In the case of hospital admission of the Insured Party superior to 5 days, the Head Office will organise and the Company will bear the expenses of a return ticket (tourist class flight or 1st class train) and the expenses of overnight stay up to a total of Euro 61.97 per day and for a maximum of di 10 days for a family member resident in the country of residence of the Insured Party. The condition will only be fulfilled whenever there is not already present on the spot another adult family member.

ASSISTANCE TO MINORS
Whenever following hospital admission, the Insured Partycannot look after minor children on holiday with him, the Head Office makes available to a family member or to another person designated by the Insured Party or possibly the spouse, a return ticket 1st class train or tourist class flight, to join the minors and tyake them home in Italy or abroad. The condition is only met whenever there is no adult family member already on the spot.

RE-ENTRY OF THE CONVALESCENT TRAVELLER
Whenever the state of health of the Insured Party prevents him from re-entering to his place of residence by the initially planned means the Head Office will organise and the Company will bear the cost of the re-entry ticket (1st class train or tourist class flight). The condition applies whenever the Insured Party cannot use the journey tickets in his possession.

PROTRACTION OF THE HOLIDAY
The Head Office will provide for the logistic organisation and the overnight stay caused by the protraction of the holiday owing to illness or injury to the Insured Party, when regular medical certification is presented the Company will bear the expenses of overnight stay for a maximum of 10 days and anyway within the limit of Euro 61.97 per day.

URGENT DESPATCH OF MEDICINES ABROAD
The Head Officewill provide for, whenever possible and in full respect of the regulations governing the transportation of medicines and only as a result of an accident or illness, the despatch to destination of medicines (registered in Italy) indispensable to the continuation of therapy already begun, in the case in which, the Insured Party cannot obtain the said medicines on the spot or obtain their equivalents. In any case the cost of the said medicines is borne by the Insured Party.

INTERPRETER AVAILABLE ABROAD
The Head Office in case of necessity consequent on hospital admission abroad or on judicial procedures for crimes happening abroad, and limited to countries where there are its own correspondents, will organise the availability of an interpreter and the Company will bear the cost up to a sum of Euro 1,032.91.

ADVANCE ON ESSENTIAL EXPENSES
Whenever the Insured Party has to sustain unforeseen expenses consequent on events of particular and proven seriousness, the Head Office will provide for "on the spot " payment of bills or for a cash advancxe to the Insured Party himself up to a sum of Euro 4,131.65 given adequate guarantees acceptable to the Head Office.It is understood that such an advance must be repaid to the Company after re-entry and, in any case, not later than 30 calendar days thereafter.

EARLY RE-ENTRY
The Head Office will organise and the Company will bear the cost of the ticket for re-entry brought forward (tourist class flight or 1^st class train) of the Insured Party, to his residence, following the death or imminent danger to life exclusively in the country of his residence of one of the following family members:spouse, son, daughter, brother, sister, parent, mother/father-in-law, son-in-law, daughter-in-law, grandparents, uncles and aunts and nephews and nieces up to 3rd degree of relationship,brothers- and sisters-in-law. In the case in which the Insured Party has to abandon the vehicle to re-enter early the Company will make available to the Insured Party an aeroplane or railway ticket to go successively to recover the vehicle. The service is operative whenever the Insured Party cannot use the tickets in his possession.

TELEPHONIC/TELEGRAPHIC EXPENSES
The Company will bear the cost of any documented expenses necessitated for the purpose of contacting the Head Office up to a sum of Euro 103.29.

TRANSMISSION OF URGENT MESSAGES
Whenever the Insured Party in a state of necessity cannot contact a person residing in Italy or abroad with an urgent message, the Head Office will arrange to send these messages.

EXPENSES OF ASSISTANCE, SEARCH AND RESCUE
In the case of injury, the search and rescue expenses are guaranteed up to a sum of Euro 1,549.37 per person on condition that the search is effectuated by an official body.

BAIL ADVANCE ABROAD
The Company will advance abroad, up to a sum of Euro 15,493.70 the bail established by the local authority to obtain provisional liberty for the Insured Party.Since this sum is solely an advance, the Insured Party will have to designate a person who, in Italy, will contemporaneously make the same sum available in a suitable current bank account in the name of the Company.In the case in which the bail is reimbursed by the laocal authority, the same sum must be immediately repaid to the Company which, in turn, will provide for the release of the above-mentioned bond. This guarantee is not valid for facts consequent on the dealing or trafficking of drugs or narcotics, as well as the participation of the Insured Party in political demonstrations and rallies.

EXCEPTIONS
Apart from the exceptions provided for by the General Conditions, the Company will not answer for expenses incurred by the Insured Party without authorisation on the patrt of the Head Office. Whenever the Insured Partydoes not make use of one or more services, the Company is not obliged to provide indemnity or alternative services by way of compensation. Infective illnesses are also excluded whenever the assistance is prevented byinternational health laws.

RESPONSABILITY
The Company declines responsability for delays or obstacles that may arise during the effectuation of Insurance services in the case of events already excluded in conformity with the General Conditions and particularly following: - local authority rules that prevent the insurance assistance provided for; - every casual or unforeseeable circumstance; - circumstances beyond control.

RESTITUTION OF TICKETS
The Insured Party is bound to hand over to the Company the unused travel tickets following services availed of.

BAGGAGE

OBJECT OF THE INSURANCE
The Company guarantees:

- the baggage of the Insured Party against risks of fire, robbery, theft, as well as loss and damage on the part of the carrier within the maximum limits per person of Euro 500.00 in Italy and abroad.
-within the aforesaid maxima, but anyway with the limit of Euro 309.87 per person, reimbursement of expenses for replacement/duplication of passport, identity card and driving licence for autovehicles and/or sailing licence as a result of the above-described events;
-within the above-stated maxima, but anyway with the limit of Euro 309.87 per person, reimbursement of documented expenses for the purchase of articles of primary necessity, incurred by the Insured Party following total loss of baggage or failure to deliver by the carrier after more than 12 hours after arrival at the destination of the of the Insured Party.

LIMITATIONS
Being fixed the assured sums and the maximum reimbursable of Euro 361.51 per single object, reimbursement is limited to 50% for jewellery, precious stones, watches, furs and every other kind of precious object; photographic/cinematographic equipment, radio-television equipment and electronic equipment. Photographic/cinematographic accessories (lenses, filters, flash-guns, batteries and similar) are considered as a single item.

EXCEPTIONS
Apart from the exceptions provided for by the general conditions excluded from the guarantee is damage deriving from:
a) wilful intent, guilt, carelessness, negligence of the Insured Party, as well as oversight;
b) insufficient or inadequate packing, normal wear and tear, manufacturing defects and atmospheric events;
c) breakage and damage to baggage unless the consequence of theft, robbery, or caused by the carrier.;
d) theft of baggage contained inside a vehicle that was not regularly locked as well as theft of baggage placed inside motorvehicles or on external panniers. Si esclude inoltre il theft between the hours of 20 and 7 if the baggage is not aboard a locked vehicle in a supervised parking area;
e) money, credit cards, cheques, shares and collections, samples, documents, air tickets and any other type of travel document;
f) jewellery, precious stones, furs and any other kind of precious article left unattended;
g) goods purchased during the journey that are not justified by presentation of receipt;
h) goods which, other than articles of clothing, were consigned to a transport company, including the carrier airline;

COMPENSATION CRITERIA
Indemnity will be paid up to the amount of the sum insured on the basis of the value as new of the goods with proof of purchase (receipt) bought as new within three months before the damage, otherwise reimbursement will take account of devaluation and wear. For goods acquired during the holiday compensation will be paid only if the Insured Party can present proof of purchase.

OBLIGATIONS OF THE INSURED PARTY IN CASE OF THEFT
With penalty of forfeiting the right to indemnity, the Insured Party is obliged to report to the competent Authority requesting an authentic copy of the report. For damage occurred in airline transport, the report should be made at the appropriate airport office (P.I.R. - PROPERTY IRREGULARITY REPORT). For damage caused by another carrier a declaration released by the said carrier is necessary.

HOW THE INSURED PARTY SHOULD PROCEED IN CASE OF NECESSITY AND DOCUMENTATION NECESSARY TO OBTAIN REIMBURSEMENT

ASSISTANCE TO PERSONS

In the case of necessity during the journey/stay the Insured Party should contact the 24-hour Head Office.

Telephone: 39/0396899965
Telefax: 39/0396057533

Indicating:
- the reason for the call
- surname and name
- identification number
- the exact place where you are
- the telephone or telefax number where you can be contacted
- your home address

DOCUMENTATION TO SEND FOR REIMBURSEMENT:

A) MEDICAL EXPENSES:
1) The medical diagnosis certifying the pathology suffered, in case of hospital admittance copy of the hospital file.
2) The originals of the delle bills/receipts relative to the expenses incurred.
3) Medical prescription for any purchase of medicines with receipts of medicinespurchased.

B) BAGGAGE:
1) Authentic copy of report with the police stamp of the place where the fact took place, reporting the circumstances of the theft and the list of objects stolen, their value and dateof purchase.
2) Copy of claim to carrier or hotelier possibly responsible.
3) In the case of failure to deliver and/or damage of the whole baggage or a part of it handed to the carrier airline, original of the P.I.R (baggage irregularity report) effected immediately at the airport office and original of the aeroplane ticket (together with the baggage delivery stub).
4) Copy of the claim letter sent to the carrier airline with request for compensation and the letter of reply from the carrier.
5) Receipts, receiptys of goods bought or lost (in the absence of a list, date, place of purchaseand their value).
6) Justification of expenses of replacing identity documents when incurred.
7) Receipts for repair or declaration of irreparability of damaged goods on headed notepaper of licensee or sector specialist.

In the case of theft, in order that the Company can provide for settlement in the shortest possible time, the procedures listed in the Special Conditions of insurance must be respected and the obligations detailed there fulfilled.

The Company reserves the right to request any further documentation necessary for the correct evaluation of the reimbursement request.