Tag: EUR

Privacy Notice

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[vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” z_index=”” css=”.vc_custom_1551264429112{background-position: 0 0 !important;background-repeat: repeat !important;}” el_class=”stripes”][vc_column][vc_empty_space height=”15px”][/vc_column][/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” el_class=”ismobile” z_index=””][vc_column][vc_single_image image=”11″ img_size=”full” alignment=”center” onclick=”custom_link” qode_css_animation=”” link=”https://library.battleface.com/” el_class=”battleface-logo-left”][/vc_column][/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”grid” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” padding_top=”40″ padding_bottom=”60″ z_index=””][vc_column width=”1/4″ el_class=”notmobile”][vc_single_image image=”11″ img_size=”full” alignment=”center” onclick=”custom_link” qode_css_animation=”” link=”https://library.battleface.com/” el_class=”battleface-logo-left”][vc_raw_html]JTNDZGl2JTIwY2xhc3MlM0QlMjJ3cmFwcGVyLWJveCUyMiUzRSUzQ2lucHV0JTIwaWQlM0QlMjJrZXl3b3JkcyUyMiUyMHNpemUlM0QlMjIyNCUyMiUyMGNsYXNzJTNEJTIyaGlnaGxpZ2h0LWJveCUyMiUyMHBsYWNlaG9sZGVyJTNEJTIySGlnaGxpZ2h0JTIwdGV4dCUyMiUzRSUzQ2xhYmVsJTIwZm9yJTNEJTIyc3R1ZmYlMjIlMjBjbGFzcyUzRCUyMmZhJTIwZmEtc2VhcmNoJTIwaW5wdXQtaWNvbiUyMiUzRSUzQyUyRmxhYmVsJTNFJTNDJTJGZGl2JTNF[/vc_raw_html][vc_column_text]

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Privacy Notice

YOUR PERSONAL INFORMATION NOTICE

Who we are

We are Lloyd’s Insurance Company S.A. (hereafter referred to as “Lloyd’s Brussels”) found in the contract of insurance and/or in the certificate of insurance.

The basics

We collect and use relevant information about you to provide you with the insurance cover or the insurance cover that benefits you, and to meet our legal obligations and the obligations of others in the insurance chain.

This information includes details such as your name, address and contact details and any other information that we collect about you in connection with the insurance cover, or the cover from which you benefit. This information may include special categories of personal data details such as information about your health and any criminal convictions you may have.

In certain circumstances, we need your consent to process certain categories of information about you (including special categories of personal data details as mentioned above). Where we need your consent, we will ask you for it separately. You do not have to give your consent and you may withdraw your consent at any time by sending an e-mail to [email protected] (without however affecting the lawfulness of processing based on consent prior to its withdrawal). Nevertheless, if you do not give your consent, or you withdraw your consent, this may affect our ability to provide the insurance cover from which you benefit and may prevent us from providing cover for you or handling your claims.

The way insurance works means that your information may be shared and used by a number of third parties in the insurance sector (both inside and outside Belgium, and inside and outside the EU). For example, insurers, insurance agents or insurance brokers, reinsurers, loss adjusters, sub-contractors, regulators, law enforcement agencies, fraud and crime prevention and detection agencies and compulsory insurance databases. We will only disclose your personal information in connection with the insurance cover that is provided, and to the extent that it is needed or allowed by law.

We keep your personal details for no longer than is necessary in offering the insurance arranged or to comply with our legal or regulatory requirements.

Other people’s details you provide to Us

Where you provide us (or your insurance agent or insurance broker) with details about other people, you must ensure that this short form privacy notice is provided to them.

Want more details?

For more information about how we use your personal information please see our full privacy notice, which is available in the Privacy section of our website https://www.lloydsbrussels.com or in other formats on request.

Complaints, contacting us and the regulator, and your rights

You have rights in relation to the information we hold about you, including the right to access your information. If you wish to exercise your rights, discuss how we use your information or see a copy of our full privacy notice, please contact us or go to the Privacy section of our website https://www.lloydsbrussels.com where we have full details. Alternatively, you may contact the insurance agent or insurance broker that arranged your insurance at:[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=””][vc_column_inner][vc_column_text el_class=”contact-info”]battleface Insurance Services
Suite 24, 80 Churchill Square, Kings Hill,
West Malling, Kent, ME19 4YU
UK
E: [email protected][/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=”” el_class=”policy-copy”][vc_column_inner][vc_column_text]You have the right to lodge a complaint with the competent data protection authority, but we encourage you to contact us before doing so.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]

Complaints notice Monaco

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[vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” z_index=”” css=”.vc_custom_1551264429112{background-position: 0 0 !important;background-repeat: repeat !important;}” el_class=”stripes”][vc_column][vc_empty_space height=”15px”][/vc_column][/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” el_class=”ismobile” z_index=””][vc_column][vc_single_image image=”11″ img_size=”full” alignment=”center” onclick=”custom_link” qode_css_animation=”” link=”https://library.battleface.com/” el_class=”battleface-logo-left”][/vc_column][/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”grid” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” padding_top=”40″ padding_bottom=”60″ z_index=””][vc_column width=”1/4″ el_class=”notmobile”][vc_single_image image=”11″ img_size=”full” alignment=”center” onclick=”custom_link” qode_css_animation=”” link=”https://library.battleface.com/” el_class=”battleface-logo-left”][vc_raw_html]JTNDZGl2JTIwY2xhc3MlM0QlMjJ3cmFwcGVyLWJveCUyMiUzRSUzQ2lucHV0JTIwaWQlM0QlMjJrZXl3b3JkcyUyMiUyMHNpemUlM0QlMjIyNCUyMiUyMGNsYXNzJTNEJTIyaGlnaGxpZ2h0LWJveCUyMiUyMHBsYWNlaG9sZGVyJTNEJTIySGlnaGxpZ2h0JTIwdGV4dCUyMiUzRSUzQ2xhYmVsJTIwZm9yJTNEJTIyc3R1ZmYlMjIlMjBjbGFzcyUzRCUyMmZhJTIwZmEtc2VhcmNoJTIwaW5wdXQtaWNvbiUyMiUzRSUzQyUyRmxhYmVsJTNFJTNDJTJGZGl2JTNF[/vc_raw_html][vc_column_text]

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[/vc_column_text][/vc_column][vc_column width=”3/4″ offset=”vc_col-lg-offset-0″ el_class=”right-panel”][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=””][vc_column_inner][vc_column_text]

COMPLAINTS NOTICE
Monaco

Complaint handling arrangements

Any complaint should be addressed in the first instance to:[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=””][vc_column_inner][vc_column_text el_class=”contact-info”]Service Manager
Operations Team
Lloyd’s Insurance Company S.A.
Bastion Tower
Marsveldplein 5
1050 Brussels
Belgium

Tel: +32 (0)2 227 39 40
E-mail: [email protected][/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=”” el_class=”policy-copy”][vc_column_inner][vc_column_text]Your complaint will be acknowledged, in writing, within 5 (five) business days of the complaint being made.

A decision on your complaint will be provided to you, in writing, within 8 (eight) weeks of the complaint being made.

The complaints handling arrangements above are without prejudice to your right to commence a legal action or an alternative dispute resolution proceeding in accordance with your contractual rights.

If you were sold this product online or by other electronic means and within the European Union (EU) you may refer your complaint to the EU Online Dispute Resolution (ODR) platform. Upon receipt of your complaint the ODR will escalate your complaint to your local dispute resolution service – this process is free and conducted entirely online. You can access the ODR platform on http://ec.europa.eu/odr.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=”” el_class=”policy-copy”][vc_column_inner][vc_column_text el_class=”serial”]07/07/2020
LBS0040A[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]

Complaints notice Estonia

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[vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” z_index=”” css=”.vc_custom_1551264429112{background-position: 0 0 !important;background-repeat: repeat !important;}” el_class=”stripes”][vc_column][vc_empty_space height=”15px”][/vc_column][/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” el_class=”ismobile” z_index=””][vc_column][vc_single_image image=”11″ img_size=”full” alignment=”center” onclick=”custom_link” qode_css_animation=”” link=”https://library.battleface.com/” el_class=”battleface-logo-left”][/vc_column][/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”grid” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” padding_top=”40″ padding_bottom=”60″ z_index=””][vc_column width=”1/4″ el_class=”notmobile”][vc_single_image image=”11″ img_size=”full” alignment=”center” onclick=”custom_link” qode_css_animation=”” link=”https://library.battleface.com/” el_class=”battleface-logo-left”][vc_raw_html]JTNDZGl2JTIwY2xhc3MlM0QlMjJ3cmFwcGVyLWJveCUyMiUzRSUzQ2lucHV0JTIwaWQlM0QlMjJrZXl3b3JkcyUyMiUyMHNpemUlM0QlMjIyNCUyMiUyMGNsYXNzJTNEJTIyaGlnaGxpZ2h0LWJveCUyMiUyMHBsYWNlaG9sZGVyJTNEJTIySGlnaGxpZ2h0JTIwdGV4dCUyMiUzRSUzQ2xhYmVsJTIwZm9yJTNEJTIyc3R1ZmYlMjIlMjBjbGFzcyUzRCUyMmZhJTIwZmEtc2VhcmNoJTIwaW5wdXQtaWNvbiUyMiUzRSUzQyUyRmxhYmVsJTNFJTNDJTJGZGl2JTNF[/vc_raw_html][vc_column_text]

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[/vc_column_text][/vc_column][vc_column width=”3/4″ offset=”vc_col-lg-offset-0″ el_class=”right-panel”][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=””][vc_column_inner][vc_column_text]

COMPLAINTS NOTICE
Estonia

Complaint handling arrangements

Any complaint should be addressed in the first instance to:[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=””][vc_column_inner][vc_column_text el_class=”contact-info”]Service Manager
Operations Team
Lloyd’s Insurance Company S.A.
Bastion Tower
Marsveldplein 5
1050 Brussels
Belgium

Tel: +32 (0)2 227 39 40
E-mail: [email protected][/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=”” el_class=”policy-copy”][vc_column_inner][vc_column_text]Your complaint will be acknowledged, in writing, within 5 (five) business days of the complaint being made.

A decision on your complaint will be provided to you, in writing, within 8 (eight) weeks of the complaint being made.

Should you remain dissatisfied with the final response or if you have not received a final response within 8 (eight) weeks of the complaint being made, you may be eligible to refer your complaint to the Consumer Protection Board in Estonia. The contact details are as follows:
[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=””][vc_column_inner][vc_column_text el_class=”contact-info”]Consumer Disputes Committee
Consumer Protection Board
Pronksi 12,
10117 Tallinn
Estonia

Tel: +372 6201 920
E-mail: [email protected] or [email protected]
Website: www.tarbijakaitseamet.ee/en/consumer-disputes-committee[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=”” el_class=”policy-copy”][vc_column_inner][vc_column_text]If you were sold this product online or by other electronic means and within the European Union (EU) you may refer your complaint to the EU Online Dispute Resolution (ODR) platform. Upon receipt of your complaint the ODR will escalate your complaint to your local dispute resolution service – this process is free and conducted entirely online. You can access the ODR platform on http://ec.europa.eu/odr.

The complaints handling arrangements above are without prejudice to your right to commence a legal action or an alternative dispute resolution proceeding in accordance with your contractual rights.[/vc_column_text][vc_column_text el_class=”serial”]07/07/2020
LBS0040A[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]

Complaints notice Finland

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[vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” z_index=”” css=”.vc_custom_1551264429112{background-position: 0 0 !important;background-repeat: repeat !important;}” el_class=”stripes”][vc_column][vc_empty_space height=”15px”][/vc_column][/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” el_class=”ismobile” z_index=””][vc_column][vc_single_image image=”11″ img_size=”full” alignment=”center” onclick=”custom_link” qode_css_animation=”” link=”https://library.battleface.com/” el_class=”battleface-logo-left”][/vc_column][/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”grid” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” padding_top=”40″ padding_bottom=”60″ z_index=””][vc_column width=”1/4″ el_class=”notmobile”][vc_single_image image=”11″ img_size=”full” alignment=”center” onclick=”custom_link” qode_css_animation=”” link=”https://library.battleface.com/” el_class=”battleface-logo-left”][vc_raw_html]JTNDZGl2JTIwY2xhc3MlM0QlMjJ3cmFwcGVyLWJveCUyMiUzRSUzQ2lucHV0JTIwaWQlM0QlMjJrZXl3b3JkcyUyMiUyMHNpemUlM0QlMjIyNCUyMiUyMGNsYXNzJTNEJTIyaGlnaGxpZ2h0LWJveCUyMiUyMHBsYWNlaG9sZGVyJTNEJTIySGlnaGxpZ2h0JTIwdGV4dCUyMiUzRSUzQ2xhYmVsJTIwZm9yJTNEJTIyc3R1ZmYlMjIlMjBjbGFzcyUzRCUyMmZhJTIwZmEtc2VhcmNoJTIwaW5wdXQtaWNvbiUyMiUzRSUzQyUyRmxhYmVsJTNFJTNDJTJGZGl2JTNF[/vc_raw_html][vc_column_text]

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[/vc_column_text][/vc_column][vc_column width=”3/4″ offset=”vc_col-lg-offset-0″ el_class=”right-panel”][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=””][vc_column_inner][vc_column_text]

COMPLAINTS NOTICE
Finland

Complaint handling arrangements

Any complaint should be addressed in the first instance to:[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=””][vc_column_inner][vc_column_text el_class=”contact-info”]Service Manager
Operations Team
Lloyd’s Insurance Company S.A.
Bastion Tower
Marsveldplein 5
1050 Brussels
Belgium

Tel: +32 (0)2 227 39 40
E-mail: [email protected][/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=”” el_class=”policy-copy”][vc_column_inner][vc_column_text]Your complaint will be acknowledged, in writing, within 5 (five) business days of the complaint being made.

A decision on your complaint will be provided to you, in writing, within 8 (eight) weeks of the complaint being made.

Should you remain dissatisfied with the final response or if you have not received a final response within 8 (eight) weeks of the complaint being made, you may be eligible to refer your complaint to the Financial Ombudsman Bureau or the Consumer Disputes Board. The contact details of these organisations are as follows:
[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=””][vc_column_inner][vc_column_text el_class=”contact-info”]Financial Ombudsman Bureau
Porkkalankatu 1
00180 Helsinki
Finland

Tel: +358 9 6850 120
Fax: +358 9 6850 1220
Email: [email protected]
Website: www.fine.fi/en/frontpage.html[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=””][vc_column_inner][vc_column_text el_class=”contact-info”]Consumer Disputes Board
Hämeentie 3
P.O. Box 306
00531 Helsinki
Finland

Tel: +358 29 566 5200
Fax: +358 29 566 5249
E-mail: [email protected]
Website: www.kuluttajariita.fi/en/index/kuluttaja-asiat/kuluttajaasiat/vakuutuksetjapankit.html[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=”” el_class=”policy-copy”][vc_column_inner][vc_column_text]If you were sold this product online or by other electronic means and within the European Union (EU) you may refer your complaint to the EU Online Dispute Resolution (ODR) platform. Upon receipt of your complaint the ODR will escalate your complaint to your local dispute resolution service – this process is free and conducted entirely online. You can access the ODR platform on http://ec.europa.eu/odr.

The complaints handling arrangements above are without prejudice to your right to commence a legal action or an alternative dispute resolution proceeding in accordance with your contractual rights. You are entitled to institute a claim in the district court of your place of residence in Finland if you are Finnish resident and a policyholder, insured or beneficiary under your insurance contract. Such claim may be instituted within three years after receiving a written information on the final response.[/vc_column_text][vc_column_text el_class=”serial”]07/07/2020
LBS0040A[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]

Complaints notice Latvia

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[vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” z_index=”” css=”.vc_custom_1551264429112{background-position: 0 0 !important;background-repeat: repeat !important;}” el_class=”stripes”][vc_column][vc_empty_space height=”15px”][/vc_column][/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” el_class=”ismobile” z_index=””][vc_column][vc_single_image image=”11″ img_size=”full” alignment=”center” onclick=”custom_link” qode_css_animation=”” link=”https://library.battleface.com/” el_class=”battleface-logo-left”][/vc_column][/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”grid” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” padding_top=”40″ padding_bottom=”60″ z_index=””][vc_column width=”1/4″ el_class=”notmobile”][vc_single_image image=”11″ img_size=”full” alignment=”center” onclick=”custom_link” qode_css_animation=”” link=”https://library.battleface.com/” el_class=”battleface-logo-left”][vc_raw_html]JTNDZGl2JTIwY2xhc3MlM0QlMjJ3cmFwcGVyLWJveCUyMiUzRSUzQ2lucHV0JTIwaWQlM0QlMjJrZXl3b3JkcyUyMiUyMHNpemUlM0QlMjIyNCUyMiUyMGNsYXNzJTNEJTIyaGlnaGxpZ2h0LWJveCUyMiUyMHBsYWNlaG9sZGVyJTNEJTIySGlnaGxpZ2h0JTIwdGV4dCUyMiUzRSUzQ2xhYmVsJTIwZm9yJTNEJTIyc3R1ZmYlMjIlMjBjbGFzcyUzRCUyMmZhJTIwZmEtc2VhcmNoJTIwaW5wdXQtaWNvbiUyMiUzRSUzQyUyRmxhYmVsJTNFJTNDJTJGZGl2JTNF[/vc_raw_html][vc_column_text]

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[/vc_column_text][/vc_column][vc_column width=”3/4″ offset=”vc_col-lg-offset-0″ el_class=”right-panel”][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=””][vc_column_inner][vc_column_text]

COMPLAINTS NOTICE
Latvia

Complaint handling arrangements

Any complaint should be addressed in the first instance to:[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=””][vc_column_inner][vc_column_text el_class=”contact-info”]Service Manager
Operations Team
Lloyd’s Insurance Company S.A.
Bastion Tower
Marsveldplein 5
1050 Brussels
Belgium

Tel: +32 (0)2 227 39 40
E-mail: [email protected][/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=”” el_class=”policy-copy”][vc_column_inner][vc_column_text]Your complaint will be acknowledged, in writing, within 5 (five) business days of the complaint being made.

A decision on your complaint will be provided to you, in writing, within 8 (eight) weeks of the complaint being made.

Should you remain dissatisfied with the final response or if you have not received a final response within 8 (eight) weeks of the complaint being made, you may be eligible to refer your complaint to the Consumer Rights Protection Centre or the Financial and Capital Markets Commission. The contact details of these organisations are as follows: [/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=””][vc_column_inner][vc_column_text el_class=”contact-info”]Consumer Rights Protection Centre
Brivibas Street 55
Riga
LV-1010
Latvia

Tel: +371 6545 2554
Fax: +371 6738 8634
E-mail: [email protected]
Website: www.ptac.gov.lv/en/content/consumer-protection-0[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=””][vc_column_inner][vc_column_text el_class=”contact-info”]Financial and Capital Market Commission
Kungu iela 1
Riga
LV-1050
Latvia

Tel: 67774800
E-mail: [email protected]
Website: www.fktk.lv/en/commission/about-us/2011-10-19-consumer-complaintshand.html[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=”” el_class=”policy-copy”][vc_column_inner][vc_column_text]If you were sold this product online or by other electronic means and within the European Union (EU) you may refer your complaint to the EU Online Dispute Resolution (ODR) platform. Upon receipt of your complaint the ODR will escalate your complaint to your local dispute resolution service – this process is free and conducted entirely online. You can access the ODR platform on http://ec.europa.eu/odr.

The complaints handling arrangements above are without prejudice to your right to commence a legal action or an alternative dispute resolution proceeding in accordance with your contractual rights.[/vc_column_text][vc_column_text el_class=”serial”]07/07/2020
LBS0040A[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]

Complaints notice Liechtenstein

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[vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” z_index=”” css=”.vc_custom_1551264429112{background-position: 0 0 !important;background-repeat: repeat !important;}” el_class=”stripes”][vc_column][vc_empty_space height=”15px”][/vc_column][/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” el_class=”ismobile” z_index=””][vc_column][vc_single_image image=”11″ img_size=”full” alignment=”center” onclick=”custom_link” qode_css_animation=”” link=”https://library.battleface.com/” el_class=”battleface-logo-left”][/vc_column][/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”grid” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” padding_top=”40″ padding_bottom=”60″ z_index=””][vc_column width=”1/4″ el_class=”notmobile”][vc_single_image image=”11″ img_size=”full” alignment=”center” onclick=”custom_link” qode_css_animation=”” link=”https://library.battleface.com/” el_class=”battleface-logo-left”][vc_raw_html]JTNDZGl2JTIwY2xhc3MlM0QlMjJ3cmFwcGVyLWJveCUyMiUzRSUzQ2lucHV0JTIwaWQlM0QlMjJrZXl3b3JkcyUyMiUyMHNpemUlM0QlMjIyNCUyMiUyMGNsYXNzJTNEJTIyaGlnaGxpZ2h0LWJveCUyMiUyMHBsYWNlaG9sZGVyJTNEJTIySGlnaGxpZ2h0JTIwdGV4dCUyMiUzRSUzQ2xhYmVsJTIwZm9yJTNEJTIyc3R1ZmYlMjIlMjBjbGFzcyUzRCUyMmZhJTIwZmEtc2VhcmNoJTIwaW5wdXQtaWNvbiUyMiUzRSUzQyUyRmxhYmVsJTNFJTNDJTJGZGl2JTNF[/vc_raw_html][vc_column_text]

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[/vc_column_text][/vc_column][vc_column width=”3/4″ offset=”vc_col-lg-offset-0″ el_class=”right-panel”][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=””][vc_column_inner][vc_column_text]

COMPLAINTS NOTICE
Liechtenstein

Complaint handling arrangements

Any complaint should be addressed in the first instance to:[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=””][vc_column_inner][vc_column_text el_class=”contact-info”]Service Manager
Operations Team
Lloyd’s Insurance Company S.A.
Bastion Tower
Marsveldplein 5
1050 Brussels
Belgium

Tel: +32 (0)2 227 39 40
E-mail: [email protected][/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=”” el_class=”policy-copy”][vc_column_inner][vc_column_text]Your complaint will be acknowledged, in writing, within 5 (five) business days of the complaint being made.

A decision on your complaint will be provided to you, in writing, within 8 (eight) weeks of the complaint being made.

Should you remain dissatisfied with the final response or if you have not received a final response within 8 (eight) weeks of the complaint being made, you may be eligible to refer your complaint to the Financial Market Authority. The contact details are as follows:
[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=””][vc_column_inner][vc_column_text el_class=”contact-info”]Financial Market Authority
Landstrasse 109
P.O. Box 279
9490 Vaduz
Liechtenstein

Tel: +423 236 73 73
Fax: +423 236 73 74
E-mail: [email protected]
Website: www.fma-li.li/en/client-protection/complaints.html[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=”” el_class=”policy-copy”][vc_column_inner][vc_column_text]If you were sold this product online or by other electronic means and within the European Union (EU) you may refer your complaint to the EU Online Dispute Resolution (ODR) platform. Upon receipt of your complaint the ODR will escalate your complaint to your local dispute resolution service – this process is free and conducted entirely online. You can access the ODR platform on http://ec.europa.eu/odr.

The complaints handling arrangements above are without prejudice to your right to commence a legal action or an alternative dispute resolution proceeding in accordance with your contractual rights.[/vc_column_text][vc_column_text el_class=”serial”]07/07/2020
LBS0040A[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]

Complaints notice Norway

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[vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” z_index=”” css=”.vc_custom_1551264429112{background-position: 0 0 !important;background-repeat: repeat !important;}” el_class=”stripes”][vc_column][vc_empty_space height=”15px”][/vc_column][/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” el_class=”ismobile” z_index=””][vc_column][vc_single_image image=”11″ img_size=”full” alignment=”center” onclick=”custom_link” qode_css_animation=”” link=”https://library.battleface.com/” el_class=”battleface-logo-left”][/vc_column][/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”grid” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” padding_top=”40″ padding_bottom=”60″ z_index=””][vc_column width=”1/4″ el_class=”notmobile”][vc_single_image image=”11″ img_size=”full” alignment=”center” onclick=”custom_link” qode_css_animation=”” link=”https://library.battleface.com/” el_class=”battleface-logo-left”][vc_raw_html]JTNDZGl2JTIwY2xhc3MlM0QlMjJ3cmFwcGVyLWJveCUyMiUzRSUzQ2lucHV0JTIwaWQlM0QlMjJrZXl3b3JkcyUyMiUyMHNpemUlM0QlMjIyNCUyMiUyMGNsYXNzJTNEJTIyaGlnaGxpZ2h0LWJveCUyMiUyMHBsYWNlaG9sZGVyJTNEJTIySGlnaGxpZ2h0JTIwdGV4dCUyMiUzRSUzQ2xhYmVsJTIwZm9yJTNEJTIyc3R1ZmYlMjIlMjBjbGFzcyUzRCUyMmZhJTIwZmEtc2VhcmNoJTIwaW5wdXQtaWNvbiUyMiUzRSUzQyUyRmxhYmVsJTNFJTNDJTJGZGl2JTNF[/vc_raw_html][vc_column_text]

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COMPLAINTS NOTICE
Norway

Complaint handling arrangements

Any complaint should be addressed in the first instance to:

[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=””][vc_column_inner][vc_column_text el_class=”contact-info”]Service Manager
Operations Team
Lloyd’s Insurance Company S.A.
Bastion Tower
Marsveldplein 5
1050 Brussels
Belgium

Tel: +32 (0)2 227 39 40
E-mail: [email protected][/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=”” el_class=”policy-copy”][vc_column_inner][vc_column_text]Your complaint will be acknowledged, in writing, promptly.

A decision on your complaint will be provided to you, in writing, within 8 (eight) weeks of the complaint being received.

Should you remain dissatisfied with the final response or if you have not received a final response within 8 (eight) weeks of the complaint being received, or at any time after you have made the complaint to the party named above, you may be eligible to refer your complaint to the Complaints Board for Consumers in Banking and Finance Matters. The contact details are as follows: [/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=””][vc_column_inner][vc_column_text el_class=”contact-info”]Complaints Board for Consumers in Banking and Finance Matters (FinKN)
Postboks 53
Skøyen 0212
Oslo
Norway

Tel: +47 23 13 19 60 Fax: +47 23 13 19 70
E-mail: [email protected]
Website: www.finkn.no/[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=”” el_class=”policy-copy”][vc_column_inner][vc_column_text]If you were sold this product online or by other electronic means and within the European Union (EU) you may refer your complaint to the EU Online Dispute Resolution (ODR) platform. Upon receipt of your complaint the ODR will escalate your complaint to your local dispute resolution service – this process is free and conducted entirely online. You can access the ODR platform on http://ec.europa.eu/odr.

The complaints handling arrangements above are without prejudice to your right to commence a legal action or an alternative dispute resolution proceeding in accordance with your contractual rights.[/vc_column_text][vc_column_text el_class=”serial”]07/07/2020
LBS0040A[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]

Complaints notice Portugal

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[vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” z_index=”” css=”.vc_custom_1551264429112{background-position: 0 0 !important;background-repeat: repeat !important;}” el_class=”stripes”][vc_column][vc_empty_space height=”15px”][/vc_column][/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” el_class=”ismobile” z_index=””][vc_column][vc_single_image image=”11″ img_size=”full” alignment=”center” onclick=”custom_link” qode_css_animation=”” link=”https://library.battleface.com/” el_class=”battleface-logo-left”][/vc_column][/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”grid” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” padding_top=”40″ padding_bottom=”60″ z_index=””][vc_column width=”1/4″ el_class=”notmobile”][vc_single_image image=”11″ img_size=”full” alignment=”center” onclick=”custom_link” qode_css_animation=”” link=”https://library.battleface.com/” el_class=”battleface-logo-left”][vc_raw_html]JTNDZGl2JTIwY2xhc3MlM0QlMjJ3cmFwcGVyLWJveCUyMiUzRSUzQ2lucHV0JTIwaWQlM0QlMjJrZXl3b3JkcyUyMiUyMHNpemUlM0QlMjIyNCUyMiUyMGNsYXNzJTNEJTIyaGlnaGxpZ2h0LWJveCUyMiUyMHBsYWNlaG9sZGVyJTNEJTIySGlnaGxpZ2h0JTIwdGV4dCUyMiUzRSUzQ2xhYmVsJTIwZm9yJTNEJTIyc3R1ZmYlMjIlMjBjbGFzcyUzRCUyMmZhJTIwZmEtc2VhcmNoJTIwaW5wdXQtaWNvbiUyMiUzRSUzQyUyRmxhYmVsJTNFJTNDJTJGZGl2JTNF[/vc_raw_html][vc_column_text]

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COMPLAINTS NOTICE
Portugal

Complaint handling arrangements

Any complaint should be addressed in the first instance to:[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=””][vc_column_inner][vc_column_text el_class=”contact-info”]Service Manager
Operations Team
Lloyd’s Insurance Company S.A.
Bastion Tower
Marsveldplein 5
1050 Brussels
Belgium

Tel: +32 (0)2 227 39 40
E-mail: [email protected][/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=”” el_class=”policy-copy”][vc_column_inner][vc_column_text]Your complaint will be acknowledged in writing, within 5 (five) business days of the complaint being made. You will be informed of the date when the investigation is expected to be finished.

A decision on your complaint will be provided to you, in writing, within 20 (twenty) calendar days (or 30 (thirty) calendar days for exceptional or complex cases) of the complaint being received.

Should you remain dissatisfied with the final response or if you have not received a final response within 20 (twenty) calendar days (or 30 (thirty) calendar days for exceptional or complex cases) of the complaint being received, you may refer your complaint to an independent Customers’ Ombudsman in accordance with law in Portugal. Insurers providing insurance policies in Portugal must appoint an independent Customers’ Ombudsman in Portugal. The Ombudsman will review the complaint within 30 (thirty) calendar days of receipt (or 45 (forty five) calendar days in exceptional cases) and issue a recommendation accordingly.

Lloyd’s Insurance Company S.A. has appointed the following lawyer as its Ombudsman in Portugal: [/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=””][vc_column_inner][vc_column_text el_class=”contact-info”]Mr Gonçalo Vareiro
PACC.V, Sociedade de Advogados RL
Rua Braamcamp, n.º 6, 1.º Esq.
1250-050 Lisbon
Portugal

Fax: +351 213 802 629
E-mail: [email protected][/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=”” el_class=”policy-copy”][vc_column_inner][vc_column_text]You may also bring a complaint before the Authority for the Supervision of Insurance and Pension Funds (ASF). The contact details are below: [/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=””][vc_column_inner][vc_column_text el_class=”contact-info”]Authority for the Supervision of Insurance and Pension Funds (ASF)
Av. da República, 76
1600-205 Lisbon
Portugal

Tel: (351) 21 790 31 00
Fax: (351) 21 793 85 68[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=”” el_class=”policy-copy”][vc_column_inner][vc_column_text]If you were sold this product online or by other electronic means and within the European Union (EU) you may refer your complaint to the EU Online Dispute Resolution (ODR) platform. Upon receipt of your complaint the ODR will escalate your complaint to your local dispute resolution service – this process is free and conducted entirely online. You can access the ODR platform on http://ec.europa.eu/odr.

The complaints handling arrangements above are without prejudice to your right to commence a legal action or an alternative dispute resolution proceeding in accordance with your contractual rights.[/vc_column_text][vc_column_text el_class=”serial”]07/07/2020
LBS0040A[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]

PRE-CONTRACTUAL INFORMATION NOTICE – Malta

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PRE-CONTRACTUAL INFORMATION NOTICE
MALTA

Information about the insurer

The insurer of the offered insurance contract will be Lloyd’s Insurance Company S.A. which has its registered seat at Bastion Tower, Marsveldplein 5, 1050 Brussels, Belgium. Its legal form is a limited liability company.

The General Representative of Lloyd’s Insurance Company S.A. in Malta is: Louis Cassar Pullicino, General Representative for Malta, Lloyd’s Insurance Company S.A., c/o Ganado Advocates, 171 Old Bakery Street, Valletta, VLT 1455, Malta.

In Belgium, which is the home member state of Lloyd’s Insurance Company S.A., there is not an insurance guarantee scheme that protects policyholders in the event of the insolvency of the insurer. Lloyd’s Insurance Company S.A. is a member of the Malta Protection and Compensation Fund in respect of risks located in Malta underwritten under the right of establishment. In the eventuality of claims under such policies remaining unpaid due to the insolvency of the insurer, limited compensation may be available to the insured from the Fund. The Fund pays out if the insolvent insurer is struck off the Maltese register of insurers or the insolvent insurer is definitely wound up. Further details are available on the website of the Maltese Financial Services Authority at

www.mymoneybox.mfsa.com.mt/consumeradvice/insurance/protection-of-policyholders.

[/vc_column_text][vc_column_text el_class=”serial”]LBS0024
01/01/2019 [/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]

Additional information on your insurance (for policy duration for over one month)

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[vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” z_index=”” css=”.vc_custom_1551264429112{background-position: 0 0 !important;background-repeat: repeat !important;}” el_class=”stripes”][vc_column][vc_empty_space height=”15px”][/vc_column][/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” el_class=”ismobile” z_index=””][vc_column][vc_single_image image=”11″ img_size=”full” alignment=”center” onclick=”custom_link” qode_css_animation=”” link=”https://library.battleface.com/” el_class=”battleface-logo-left”][/vc_column][/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”grid” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” padding_top=”40″ padding_bottom=”60″ z_index=””][vc_column width=”1/4″ el_class=”notmobile”][vc_single_image image=”11″ img_size=”full” alignment=”center” onclick=”custom_link” qode_css_animation=”” link=”https://library.battleface.com/” el_class=”battleface-logo-left”][vc_raw_html]JTNDZGl2JTIwY2xhc3MlM0QlMjJ3cmFwcGVyLWJveCUyMiUzRSUzQ2lucHV0JTIwaWQlM0QlMjJrZXl3b3JkcyUyMiUyMHNpemUlM0QlMjIyNCUyMiUyMGNsYXNzJTNEJTIyaGlnaGxpZ2h0LWJveCUyMiUyMHBsYWNlaG9sZGVyJTNEJTIySGlnaGxpZ2h0JTIwdGV4dCUyMiUzRSUzQ2xhYmVsJTIwZm9yJTNEJTIyc3R1ZmYlMjIlMjBjbGFzcyUzRCUyMmZhJTIwZmEtc2VhcmNoJTIwaW5wdXQtaWNvbiUyMiUzRSUzQyUyRmxhYmVsJTNFJTNDJTJGZGl2JTNF[/vc_raw_html][vc_column_text]

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INFORMATION ON YOUR INSURANCE CONTRACT
Germany Notification

  1. Information on the insurer

    1. The insurer of the offered insurance contract will be
      Lloyd’s Insurance Company S.A
      Bastion Tower
      Marsveldplein 5
      1050 Brussels Belgium
      ———————-
      Legal form: Belgian limited liability company Seat: Brussels, Belgium
    2. You are concluding the insurance contract via an insurance intermediary or directly via a Lloyd’s Broker as intermediary. You may obtain the name and address of your insurance intermediary from your correspondence with the insurance intermediary.
    3. You may notify Lloyd’s Insurance Company S.A of a claim by contacting the following:
      Collinson Assistance Services
      3rd Floor, Development House,
      St Anne Street,
      Floriana, FRN 9010, Malta
      Tel: +44 (0)208 865 3054
      e-mail: [email protected]
    4. Lloyd’s Insurance Company S.A transacts non-life insurance and non-life reinsurance business.
    5. Lloyd’s Insurance Company S.A is subject to the supervision of:
      National Bank of Belgium
      Boulevard de Berlaimont 3
      1000 Brussels Belgium
    6. The tax number of Lloyd’s Insurance Company S.A. at the Federal Central Tax Office is 807/V20000025027.

  2. Information on the offered performance

    1. Per the attached you are made an offer for an insurance contract including the general terms and conditions.The insurance contract is subject to German law unless the validity of another law has effectively been agreed upon between you and the insurer.Type, scope, due dates and performance by the insurer are included in the schedule and the insurance terms and conditions.
    2. The total price of the insurance including all taxes and other price elements are specified in the schedule.
    3. Other costs incurred, if any, are specified in the schedule and the insurance terms and conditions. For taxes, which are not settled by the insurer, please refer to your tax advisor.
    4. Details in respect of payment and the fulfilment of your payment obligations, in particular with view to the mode of the premium payments will be advised to you by your intermediary.
    5. Our offer for the conclusion of an insurance contract is time limited. The time limit will be advised to you by your insurance intermediary.
    6. For contracts on professional disability insurance and accident insurance with premium return please refer to the following information (insofar as monetary amounts are concerned, in Euro) contained in the terms and conditions of insurance: information on the amount of the costs calculated into the premium amount (acquisition costs as a lump-sum amount and the remaining costs already calculated as part of the annual premium stating the respective period of contract), on any other costs, the principles and criteria of calculation applied to the surplus determination and participation, cash surrender values, the minimum amount insured for a conversion into a premium-free or premium-reduced insurance, benefits arising from a premium-free or premium-reduced insurance, the extent, to which the cash surrender value and the premium-free or premium-reduced insurance is guaranteed, as well as any general information on the tax regulations applicable to this type of insurance

  3. Information on the contract

    1. The insurance contract becomes effective following your proposal upon receipt of the policy from the insurer.
    2. For the time of inception of the insurance cover please refer to the schedule and the insurance terms and conditions.
    3. The period of the offered contract is specified in the schedule.
    4. Prior to the lapse of the agreed period of contract you may cancel the insurance contract only on the grounds of legally stipulated reasons and where applicable, on the grounds of the reasons stipulated in the insurance terms and conditions.
    5. The entry of relations between you and the insurer for the purpose of concluding the insurance contract shall be subject to German law or the foreign law effectively agreed between you and the insurer even with regard to the period prior to the conclusion of the insurance contract.
    6. The law applicable to the contract and the competent court are specified in the insurance terms and conditions.
    7. The insured has declared their understanding of, and has requested for the contract of insurance to be provided in, the English language. The insured confirms they understand such contract and agree to be bound by its terms and conditions.

LBS0015 01/01/2019

REVOCATION INFORMATION
(Where the duration of the contract is for more than one month)

Right of revocation

You are entitled to revoke your contract declaration within 14 days in text form (e.g. by letter, fax or email) without needing to state any reasons.

The revocation period begins after you have received the insurance policy, the contractual stipulations including the general terms and conditions, all further information as per Art 7 paras 1 and 2 of the Insurance Contract Law in connection with Articles 1 to 4 of the Insurance Contract Law – Regulation on Information Duties/ VVG-InfoV, and this information respectively in text form, but however not prior to the fulfilment of our duties pursuant to Art. 312g para. 1 sentence 1 of the German Civil Code in connection with article 246 Art. 3 of the Introductory Act to the Civil Code.

In order to observe the revocation notice period the dispatch in time of the revocation is deemed sufficient.
The revocation is to be addressed to the Lloyd’s placing broker, or if you have concluded the contract via an authorised Lloyd’s coverholder to such authorised coverholder.

You may obtain the address of the Lloyd’s broker from the correspondence preceding the conclusion of the contract. The address of the authorised coverholder is featured on the face page of the insurance certificate.

Consequences of the revocation

n the case of an effective revocation insurance cover ends and we shall reimburse to you that part of the premium which attaches to the period following receipt of the revocation, provided you have agreed that the insurance cover incepts prior to the lapse of the revocation period. In this case we shall be entitled to keep the part of the premium, which falls upon the period until the receipt of the revocation, such amount being calculated as follows: number of days from the inception of insurance cover until receipt of the revocation, multiplied by the insurance premium specified in your insurance policy / insurance certificate and divided by the number of days, for which insurance premium must be paid. Where a monthly premium has been agreed, one month is calculated with 30 days, and where an annual premium has been agreed, one year is calculated with 360 days.

The amounts to be repaid shall be reimbursed immediately and at the latest 30 days following the receipt of the revocation. Where the insurance cover does not incept prior to the lapse of the revocation period, the effected revocation shall result in performances received and benefits drawn (e.g. interests) to be returned.

If you have effectively exercised your right of revocation pursuant to Article § 8 of the Insurance Contract Law (VVG), you will also no longer be bound to any contract connected with the insurance contract. A connected contract is deemed to exist where it has a reference to the contract that is being revoked and is related to any service by the insurer or a third party on the basis of an agreement made between the third party and the insurer. A contractual penalty must neither be agreed nor requested.

Special information

Your right of revocation shall lapse, where upon your express request the contract has been completely fulfilled by you and by us before you have exercised your right of revocation.

[Non-life Insurance Contracts in E-Commerce][/vc_column_text][/vc_column_inner][/vc_row_inner][vc_column_text el_class=”serial”]01/10/13
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