CAMPING CARD INTERNATIONAL (CCI) LIABILITY INSURANCE SCHEME 2018
To indemnify the Assured up to the amounts specified below against such sums as they shall become legally liable to pay in respect of claims arising from bodily injury or disease (fatal or non-fatal) occurring during the period of insurance to persons and/or damage to property caused by any accident occurring while the Assured is camping, caravanning or staying in rented accommodation or hotel away from his normal domicile, including the period between leaving his domicile for the purpose of camping, caravanning or staying in rented accommodation or hotel and his return thereto.
“Assured” is defined as: Any member of the camping section of Clubs or Associations affiliated to the Federation Internationale de Camping, Caravanning et Autocaravaning (AISBL) and his or her spouse to whom a valid Camping Card International has been issued, and also any person travelling with him or her in the same private vehicle, while camping with him or her. Number of people insured under any one camping card not to exceed eleven (11).
It is noted and agreed that whereas cover is provided for up to eleven (11) persons travelling in the same private vehicle, groups of cyclists, not exceeding eleven (11), travelling together in the same party and following exactly the same itinerary will be covered as if travelling in the same private vehicle.
In addition, if a member has to leave his party behind temporarily whilst returning home during the course of the holiday, he may leave the camping card in the care of his party and the cover provided by this insurance will continue as if the Card Holder were present.
It is understood and agreed that other members of camping sections of associations affiliated to the F.I.C.C. shall be considered as third parties for the purpose of indemnity hereunder.
Period of Insurance
The period of this insurance covers claims arising under all CCI issued up to the expiry date of the CCI held by the Club member. Any claim will be handled according to the terms of the contract in force in the year during which the Camping Card International was issued.
This insurance excludes the application of the Laws and any costs incurred in respect of any claim arising in United States of America and Canada or any territory where the Laws of United States of America and Canada might apply.
The amount of the indemnity shall not exceed:
EUR 1,800,000 in respect of any one accident or series of accidents arising out of one event in respect of bodily injury or disease and damage to property;
Unlimited in the aggregate in respect of all accidents occurring during any one period of insurance;
EUR 66,000 in respect of bodily injury only in respect of any one accident or series of accidents arising out of one event caused by the use of a windsurfer on sea or land or any unpowered small craft not exceeding 5 metres in length by an Assured;
This policy does not cover liability for: –
1) Bodily Injury or Disease or Damage to Property
a) directly or indirectly caused by any mechanically propelled vehicle, except motorised/self propelled campers and caravans provided such vehicles are being used in a manner not requiring coverage under any Road Traffic Act or Statutory Cover
b) directly or indirectly caused by any aircraft, ship, vessel, except windsurfer or any unpowered craft not exceeding 5 metres in length, or arising out of any work done therein or thereon or on behalf of the Assured, or the Club or Association;
c) arising out of food or drink poisoning or foreign or deleterious matter in food or drink;
d) arising out of the pollution of air, water or soil unless it can be demonstrably proved to have been caused as a direct result of a sudden specific and identifiable event occurring during the Period of Insurance;
e) WAR AND TERRORISM EXCLUSION ENDORSEMENT
Notwithstanding any provision to the contrary within this insurance or any endorsement thereto it is agreed that this insurance excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss.
(1) war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power or
(2) any act of terrorism.
For the purpose of this endorsement an act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government (s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.
This endorsement also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or any way relating to (1) and/or (2) above.
If the Underwriters allege that b y reason of this exclusion, any loss, damage, cost or expense is not covered by this insurance the burden of proving the contrary shall be upon the Assured.
In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain in full force and effect.
f) directly or indirectly occasioned by, happening through or in consequence of the organisation of any form of large scale entertainment where an entry fee is charged (but this shall not exclude small competitions staged for amusement or social camping or caravan rallies).
g) directly or indirectly caused whilst skiing.
2) Bodily Injury or Disease or Damage to Property sustained by any person arising out of and in the course of his employment
by the Camping Card International Holder under a contract of service or apprenticeship with the Camping Card International
3) Damage to property owned or occupied by or in the care, custody or control of an Assured.
4) Any act committed by the Assured with malicious intent, for instance:
a) damage to ground or crops caused by trampling or setting up tents;
b) indiscriminate disposal of garbage;
c) damage to underground water gas or electricity pipes or cables.
5) This policy is subject to the Radioactive Contamination and Explosive Nuclear Assemblies Exclusion Clause as follows:
This Policy does not cover: –
a) loss or destruction of or damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any consequential loss
b) any legal liability of whatsoever nature
Directly or indirectly caused by or contributed to by or arising from: –
i) ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel
ii) The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
6) Asbestos Exclusion 2003
It is agreed that this Policy shall not apply to liability for any claim arising in connection with
1) handling removal stripping out demolition storage transportation or disposal of asbestos and/or any other substance or compound that incorporates asbestos
2) surveying under the Control of Asbestos at Work Regulations 2002
It is further agreed that this Policy shall not apply to
a) liability directly or indirectly caused by or alleged to be caused by or contributed to in whole or in part by or arising from the inhalation and/or ingestion of or the existence of or exposure to asbestos and/or any other substance or compound that incorporates asbestos
b) liability which is a result of the removal from any building and/or structure of asbestos and/or any other substance or compound that incorporates asbestos as a consequence of an actual or alleged health hazard situation
c) any obligation to defend any claim or suit against the Assured alleging liability resulting from a) or b) above nor to Underwriters’ liabilities for Defence Costs arising therefrom.
7) This policy does not cover the first €70 in respect of claims arising from damages to rented accommodation or hotels.
Costs and Expenses
Underwriters agree to pay the costs and expenses incurred, with their written consent, in the defence of any such claim, provided always that, if a payment in excess of the amount of indemnity available under this policy has to be made to dispose of a claim, the Underwriters liability for such costs and expenses shall be such proportion thereof as the amount of indemnity available under this policy in respect of that claim bears to the amount paid to dispose of that claim.
Assured members shall give to the Association immediate notice in writing, with full particulars, of the happening of any occurrence likely to give rise to a claim under this policy, and of the receipt of any notice of any claim, and of the institution of any proceedings against the Assured member.
The Assured shall not admit liability for or offer or agree to settle any claim without the written consent of the Association or of the Underwriters, who shall be entitled to take over and conduct in the name of the Assured member for Underwriters’ benefit any claims for indemnity or damage or otherwise against any third party and shall have full discretion in the conduct of any negotiations and proceedings and the settlement of any claim. The Assured shall give to the Underwriters such information and assistance as the Underwriters may reasonably require.
All claims in respect bodily injury or disease must be referred to the F.I.C.C. without delay.
If any Assured shall make any claim knowing the same to be false or fraudulent as regards amount or otherwise, the cover hereunder shall be forfeited in respect of the Assured concerned.
Underwriters reserve the right to request a copy of the campsite, hotel or rented accommodation invoice for the full period of the stay.
PERSONAL ACCIDENT INSURANCE 2018
Cardholders and up to a maximum of 10 other Persons
From: 31st December 2017 00.01 Local Standard Time at the address of the Assured To: 31st December 2018 00.01 Local Standard Time at the address of the Assured. Both days inclusive, local standard time at the above address.
Sum Insured. Each Person:
EUR 25,000 Event Limit: EUR 1,800,000
BENEFIT PAYABLE IN RESPECT OF ACCIDENT 1. Death 100%; 2. Total and Irrecoverable loss of sight of both eyes: 100%; 3. Total and Irrecoverable loss of sight of one eye: 100%; 4. Loss of two limbs: 100%; 5. Loss of one limb: 100%; 6. Total and irrecoverable loss of sight of one eye and loss of one limb 100%; 7. Permanent Total Disablement: Not Covered; 8. Temporary Total Disablement: Not covered; 9. Temporary Partial Disablement: Not covered
Belgium; Territorial Limits: Worldwide; Territorial Limit: As per appendix A
Choice of Law & Jurisdiction: Disputes Clause
The proper and exclusive law of this Insurance shall be Belgian law. Any disputes between the Assured and Underwriters arising under or in connection with this Insurance policy shall be subject to the exclusive jurisdiction of the Belgian Courts
Recording, Transmitting and Storing Information: Miller Insurance Services LLP will maintain risk and claim data, information and documents which may be held on paper or electronically.
Documentation: This document details the contract terms entered into by the insurer(s) and constitutes the contract document. Any further documentation changing this contract agreed in accordance with the contract change provisions set out in this contract, shall form the evidence of such change.
Notice of Cancellation:
Provisions (Authority Provisions): Where (re)insurers have the right to give notice of cancellation, in accordance with the provisions of the contract, then to the extent provided by the contract, the Slip Leader is authorised to issue such notice on behalf of all participating (re)insurers; and (optionally) Any (re)insurer may issue such notice in respect of its own participation.
SCHEDULE OF BENEFITS (for each Insured Person):
This Insurance provides benefits in accordance with the Scale of Benefits specified in the Schedule of Insured Persons. The percentages specified in the Scale of Benefits below are % of the Capital Sum Insured applicable to the Insured Person.
Where the letters N.C. (NOT COVERED) are inserted no insurance is provided.
BENEFITS PAYABLE IN RESPECT OF ACCIDENT:
1. Death 100%; 2. Total and irrecoverable loss of sight of both eyes 100%; 3. Total and irrecoverable loss of sight of one eye 100%; 4. Loss of two limbs 100%; 5. Loss of one limb 100%; 6. Total and irrecoverable loss of sight of one eye and loss of one limb 100%; 7. Permanent Total Disablement (other than total and irrecoverable loss of sight of one or both eyes or loss of limb(s) Not Covered; 8. Temporary Total Disablement the amount specified in the Schedule of Insured Persons during such disablement for the Maximum Benefit Period specified in the Schedule of Insured Persons regardless of the number of Accidents commencing after the expiry of the Elimination Period specified in the Schedule of Insured Persons from the date on which the Insured Person first became disabled; 9. Temporary Partial Disablement the amount specified in the Schedule of Insured Persons during such disablement for the Maximum Benefit Period specified in the Schedule of Insured Persons regardless of the number of Accidents commencing after the expiry of the Elimination Period specified in the Schedule of Insured Persons from the date on which the Insured Person first became disabled.
BENEFITS PAYABLE IN RESPECT OF ILLNESS:
10. Total and irrecoverable loss of sight of both eyes N.C; 11. Permanent Total Disablement by paralysis N.C.; 12. Temporary Total Disablement the amount specified in the Schedule of Insured Persons during such disablement for the Maximum Benefit Period specified in the Schedule of Insured Persons regardless of the number of Illnesses commencing after the expiry of the Elimination Period specified in the Schedule of Insured Persons from the date on which the Insured Person first became disabled.
PLEASE NOTE THAT SEPARATE INSURANCE IS PROVIDED UNDER THIS POLICY FOR BODILY INJURY CAUSED BY AN ACCIDENT AND FOR ILLNESS. THIS INSURANCE ONLY RELATES TO THE BENEFITS OF THE POLICY WHICH ARE SHOWN IN THE SCHEDULE AS BEING INCLUDED AND FOR WHICH PREMIUM HAS BEEN PAID.
THE ASSURED MUST DISCLOSE TO THE UNDERWRITERS ALL FACTS, MATTERS AND CIRCUMSTANCES MATERIAL TO THIS INSURANCE, INCLUDING, BUT NOT LIMITED TO WHETHER THE INSURED PERSON ENGAGES IN ANY OCCUPATION, SPORT OR PASTIME OR OTHER ACTIVITY OF A HAZARDOUS NATURE.
We The Underwriters hereby agree with the Assured, to the extent and in the manner herein provided, that if the Insured Person: (a) sustains Bodily Injury caused by an Accident or (b) suffers Illness; we will pay to the Assured, or to the Assured’s Executors or Administrators, according to the Schedule of Benefits after the total claim shall be substantiated under this Insurance
Provided Always That: 1. (a) benefit shall not be payable under more than one of the items of the Schedule of Benefits in respect of the consequences of one Accident, except for any benefit payable hereunder in respect of Temporary Partial Disablement preceding or following Temporary Total Disablement, or of one Illness, and (b) no weekly benefit shall become payable until the total amount thereof has been ascertained and agreed. Where any payment is made for weekly benefit, the amount so paid shall be deducted from any lump sum subsequently payable in respect of the same Accident or Illness. 2. the total sum payable under this Insurance in respect of any one or more claims shall not exceed in all the largest benefit under any one of the items contained in the Schedule of Benefits. 3. if Item 1 of the Schedule of Benefits is not covered, then no claim shall be payable, other than for weekly benefits, in respect of any Accident which would have given rise to a claim for death had that item been covered. 4. if Item 1 of the Schedule of Benefits is covered and an Accident causes the death of the Insured Person within twelve months following the date of the Accident and prior to the definite settlement of the benefit for disablement provided for under Items 2 to 7 of the Schedule of Benefits, there shall be paid only the benefit provided for in the case of death. 5. no benefit shall be payable under Items 10 or 11 of the Schedule of Benefits should Illness cause the death of the Insured Person within twelve months of that Illness first manifesting itself.
Operative time means the period of time during which an Insured Person leaves his or her domiciled address for the purpose of the camping, caravanning and Motor Caravanning or staying in a rented hotel whilst travelling to/from a camping site, including the period between leaving his or her domicile for the purpose of camping, caravanning and Motor Caravanning or staying in a hotel whilst travelling to/from a camping site and his/her return there to.
In addition, if a member has to leave his party behind temporarily whilst returning home during the course of the holiday. He/She may leave the Camping Card in the care of his party and the cover provided by this insurance will continue as if the Card Holder were present.
1. If during the period of this insurance the Insured Person is subject to the control of persons (or their associates) effecting a Hi-Jack and/or Kidnap, cover will continue beyond the expiry date of this insurance up to a further 12 months in all until the Insured Person has travelled directly from the place of his detention to his domicile or original destination.
In this Insurance: 1. ‘BODILY INJURY’ means identifiable physical injury which (a) is caused by an Accident, and (b) solely and independently of any other cause, except illness directly resulting from, or medical or surgical treatment rendered necessary by such injury, occasions the death or disablement of the Insured Person within twelve months from the date of the Accident. 2. ‘ACCIDENT’ means a sudden, unexpected, unusual, specific event which occurs at an identifiable time and place during the Period of Insurance. Accident shall also include disappearance. If the Insured Person is not found within twelve months of disappearing, and sufficient evidence is produced satisfactory to the Underwriters that leads them inevitably to the conclusion that the Insured Person has sustained Bodily Injury and that such injury has caused the Insured Person’s death, the Underwriters shall forthwith pay any death benefit, where applicable, under this Insurance, provided that the person or persons to whom such sum is paid shall sign an undertaking to refund such sum to the Underwriters if the Insured Person is subsequently found to be living. 3. ‘ILLNESS’ means sickness or disease of the Insured Person which first manifests itself during the Period of Insurance and occasions the total disablement of the Insured Person within twelve months after manifesting itself. 4. ‘TEMPORARY TOTAL DISABLEMENT’ means disablement which entirely prevents the Insured Person from attending to their business or occupation. 5. ‘TEMPORARY PARTIAL DISABLEMENT’ means disablement which prevents the Insured Person from attending to a substantial part of their business or occupation. 6. ‘PERMANENT TOTAL DISABLEMENT’ means disablement which entirely prevents the Insured Person from attending to any business or occupation for which they are reasonably suited by training, education or experience and which lasts twelve months and at the end of that period is beyond hope of improvement. 7. ‘LOSS OF A LIMB’ means permanent loss by physical separation of a hand at or above the wrist or of a foot at or above the ankle and includes permanent total and irrecoverable loss of use of hand, arm or leg. 8. ‘HI-JACK’ means that the control of a conveyance in which the Insured Person is travelling is involuntarily passed from the regular crew to a person or persons who has (have) used or threatened to use violent means to obtain such control. ‘KIDNAP’ means the illegal taking and holding captive of the Insured Person by persons who then demand specifically from assets of the Assured or the Insured Person a ransom as a condition of the Insured Person’s release.
This Insurance does not cover claims in any way caused or contributed to by: 1. war, whether war be declared or not, hostilities or any act of war or civil war; 2. the actual or threatened malicious use of pathogenic or poisonous biological or chemical materials; 3. nuclear reaction, nuclear radiation or radioactive contamination; 4. the Insured Person engaging in or taking part in armed forces service or operations; 5. the Insured Person engaging in flying of any kind other than as a passenger; 6. the Insured Person’s suicide or attempted suicide or intentional self-injury or the Insured Person being in a state of insanity; 7. venereal disease or Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex (ARC) or Human Immuno-deficiency Virus (HIV) howsoever these have been acquired or may be named; 8. the Insured Person’s deliberate exposure to exceptional danger (except in an attempt to save human life); 9. the Insured Person ‘s own criminal act; 10. the Insured Person being under the influence of alcohol or drugs; 11. pregnancy or childbirth; 12. neuroses, psychoneuroses, psychopathies or psychoses, anxiety, stress, fatigue or mental or emotional diseases or disorders of any type.