EUROPÆISKE’S INSURANCE FOR HIRER OF HOLIDAY HOME
Cancellation and Household Contents Insurance
Policy Conditions No. 391 A - In compliance with the Danish Insurance Contracts Act.
As a lessee of one of this agency’s holiday homes you are automatically covered by the following
Cancellation and Household Contents Insurance taken out with Europæiske
1.0 Definitions
Please note that words written in italics in the Conditions are defined in section 4.8.
1.1 Scope of cover
The policy covers:
• Cancellation/curtailment of the lease/package tour in case of acute illness, injury or death
(cf. point 2) and
• Liability to pay compensation for damaged household contents (cf. point 3).
1.2 Who is covered by the policy?
The number of persons stated in the hiring agreement/booking confirmation, hereafter called
the Insured.
1.3 Period of cover
Cancellation (point 2):
The policy provides cover from the time of payment of the deposit/rental to the rental agency
until the commencement of the rental period/package tour.
Curtailment (point 2) and Liability for Damaged Household Contents (point 3):
The policy provides cover during the rental period/package tour. Irrespective of whether the
rental period for the same holiday home is divided into two or more rental periods there will
be no more than one insurance period.
2. CANCELLATION OR CURTAILMENT OF THE HIRING AGREEMENT
2.0 Sum insured
The price for the hiring of the holiday home/package tour exclusive of the insurance premium.
2.1 Which claims events are covered by the policy?
The Policy covers when the Insured is unable to commence or carry through the hiring agreement/
package tour, if one of the following events occurs:
a) death of the Insured or his/her spouse or cohabitee, parents, sister, brother or child, or
any serious, acute illness or injury suffered by such person which requires hospitalization,
confinement to bed or comparable treatment ordered by a physician.
b) fire or burglary at the Insured’s private residence or place of business immediately prior to
departure.
c) unexpected dismissal of the Insured or
d) the Insured´s commencement of a new job in connection with the unexpected dismissal,
which makes it impossible for the Insured to go on holiday during the rental period/the
duration of the package tour.
2.2 Which expenses are covered by the policy?
Cancellation
The insurance covers the portion of the rental payment to which the rental agency according
to the rental agreement is entitled when the holiday home/package tour is cancelled during
the insurance period.
Curtailment
The insurance covers the portion of the rental payment for the holiday home/package tour,
which remains unused, i.e. from the date the Insured departs from the holiday home.
2.3 Exclusions – section 4.1.
The Policy does not provide cover if the illness or injury giving rise to the cancellation/curtailment existed when the Policy was taken out.

2.4 Deductible
In the event of curtailment during the lease/the package tour the Insured shall pay a
deductible of 25 % of the remaining rental payment.
2.5 Special Provisions
In the event that the person who is the cause of the cancellation/curtailment has reached the
age of 75, Europæiske’s liability to pay compensation is limited to max. DKK 10,000 per hiring
agreement, regardless of whether the sum insured is higher.
2.6 Claims procedure
In case of any loss or damage, the Insured shall notify the rental agency immediately.
Illness/Injury/Death
It is a condition for Europæiske’s liability to pay compensation that the Insured procures a
medical certificate stating the diagnosis from the attending physician at the location/
destination and that the Insured upon request grants Europæiske’s physician access to all
relevant medical reports including information on previous ailments. In the event of curtailment
the Insured have to consult the physician at the location/destination before departure.
Fire or Burglary
In the event of fire or burglary the completed claims form shall be accompanied by a police
report.
Unemployment
In the event of unemployment a copy of the written notice must be submitted.
In the event of commencement of a new job a copy of the employment contract must be
submitted.
3 LIABILITY INSURANCE: HOUSEHOLD CONTENTS
3.0 Sum Insured
The Policy provides cover for the liability to pay compensation up to DKK 50,000 for damage
to the household contents caused during the period of cover.
Special private household contents are covered up to max. DKK 10,000 per insurance event.
3.1 Scope of cover
The Policy provides cover for the liability to pay compensation which the Insured, in accordance
with the terms of the hiring agreement, incurs as a result of damage caused during the
period of cover to the contents of the holiday home, including damage to window panes and
wash basins.
3.2 Exclusions – (cf. section 4.1.)
No compensation is paid for:
a) Ordinary wear and tear, scratches, smudging or gradual deterioration.
b) Theft committed by the Insured or by his/her guests.
c) Damage caused by dogs or other pets.
d) Bicycles and vessels, including windsurfers, rowing boats, canoes and kayaks, as well as their component parts.
e) Cosmetic damage to wash basins, including spas and whirlpools.
f) Damage to swimming pools and the water contained therein.

3.3 Assessment of compensation:
a) For totally damaged items, compensation is assessed in accordance with the following
principles: For items, which are less than 2 years old and were otherwise unblemished
prior to the occurrence of the damage, compensation is paid at the replacement cost of a
comparable new item. For items, which are more than 2 years old, the compensation is
assessed on the basis of the replacement cost of a comparable new item (antiques –
comparable second hand item), with a deduction of 10% per commenced year in
compliance with the age of the items. However, compensation for such items shall amount
to a minimum of 20 % of the replacement value (antiques to a minimum of 50 % of the
replacement cost).
b) Euroæiske can choose to have the damaged items repaired or to pay an amount
corresponding to the depreciation in value.
c) Europæiske is entitled, but not under any obligation, to replace the items in kind.
3.4 Admitting a claim
Europæiske is obliged to pay only such costs, which are incurred with its approval. The Insured’s
admission or payment of a claim shall not render Europæiske liable to pay compensation.
By admitting a claim, the Insured risks having to bear the costs himself/herself.
3.5 Claims procedure
In case of any loss or damage, the Insured shall notify the rental agency immediately. Subsequently,
documentation/a completed claims form shall be sent to the rental agency. The Insured
and the rental agency are under an obligation to provide all the information required to
assess the claim and to notify Europæiske of any policy taken out with another insurance
company.
4. GENERAL CONDITIONS
4.1 General exceptions
The Policy does not cover claims due to, arisen as a consequence of:
a) Liability for damage caused with intent or by gross negligence.
b) Alcohol- narcotic and/or abuse of medicine or
c) Self-induced intoxication and in the event that the Insured’s resultant condition was a contributor to the damage.
4.2 Sum Insured
The sums insured and part sums stated in the conditions for each individual cover limit Europæiske’s
liability to pay compensation in all insurance events occurring during the insurance
period/package tour.
4.3 Multiple Insurance
The policy does not cover expenses covered by any other insurance.
4.4 Recourse
If a claim is covered in pursuance of the present insurance, Europæiske enters into all the Insured’s
rights.
4.5 Insurance Complaints Board
If any dispute or controversy arises between the Insured and Europæiske in connection with
the insurance, and if a renewed appeal to Europæiske does not result in a satisfactory outcome,
the Insured may lodge a complaint with:
The Insurance Complaints Board, 2, Anker Heegaards Gade, DK-1572 Copenhagen V, Telephone:
+45 33 15 89 00 (between 10 a.m. and 1 p.m.).
Complaints to the Insurance Complaints Board shall be submitted on a special form, and the
Insured is charged a minor fee. The complaints form and giro transfer form for the payment of
the fee are obtainable from:
a) Europæiske’s head office
b) The Insurance Complaints Board
c) „Forsikringsoplysningen“ (a public insurance information service), Amaliegade 10, DK-
1256 Copenhagen K, Telephone: +45 33 13 75 55 (between 10 a.m. and 4 p.m.)
4.6 Legal venue
Proceedings against Europæiske Rejseforsikring A/S shall be brought before the Copenhagen
City Court or the Eastern Division of the Danish High Court, Copenhagen, Denmark. Disputes
arising from the present insurance shall be settled according to Danish legislation.
4.7 Stamp duty
 
Stamp duty shall be payable in accordance with section 70 of the Danish Stamp Duty Act.
4.8 Definitions
For the purposes of this insurance the below mentioned words shall be defined as follows:
Acute Illness
An acute illness entitled to cover under the terms of this policy is taken to mean a newly
occurring serious illness or an unexpected deterioration of an existing or chronic illness.
Household contents.
Articles belonging to the normal equipment of a private household including carpets. Buildings
and walls and fixtures are not household effects - however, kitchen tabeltops are considered
as household contents.
Special private household contents:
Antiques, tape recorders, record and cd-players or the like, tapes, records, compact discs and
mini discs, amplifiers, loudspeakers, works of art, paintings, music instruments, radio-, video
and television sets with accessories and Oriental rugs.
In the event of litigation, the original Danish version of the above conditions is the
solely valid version.
The insurance has been written with Europæiske Rejseforsikring A/S, 3,
Frederiksberg Allé, DK-Copenhagen V – Telephone. +45 33 25 25 25 (between 9
a.m. and 4 p.m.)
Fax +45 33 27 82 77 – e-mail address Esta dirección electrónica esta protegida contra spam bots. Necesita activar JavaScript para visualizarla .