Client zone

A conditional franchise is the amount up to which the insurer is not liable for damages.

A franchise deductible is the amount which the insurer deducts from the payment of damages.

Insurance excess is that part of the damages which the client is obliged to cover if it occurs.

• An all-risk policy covers events which have not been excluded in the agreement.
• Contrary to traditional policies, the scope of the insurer’s liability is not specified in the terms and conditions of insurance. Only risk exclusions for which damages are not awarded are indicated.
• The scope of insurance is broader than in traditional agreements. However, it is not as broad as the name might suggest.

In insurance nomenclature there are two concepts of civil liability: Tort civil liability and contract civil liability.

• Tort civil liability is liability for a tort, i.e. an action or omission to act (deliberate or not) as a result of which damage occurred but also an event, e.g. we run a repair and construction company. During the replacement of windows in a building, an old window falls from the scaffolding directly onto a car parked nearby. In such a situation, our company, as a building contractor, is obliged to redress damage under tort civil liability.
• Contract civil liability is liability for damage suffered as a result of failure to perform or improper performance of a given obligation (contract). E.g. analogically to the above example, all repairs related to the improper functioning of the installed windows arise from contract civil liability.

Please note that these two types of liability are treated differently by various insurance companies. Feel free to contact us to check the definitions and scope of liability in the General Terms and Conditions of Insurance.

• The European Health Insurance Card (EHIC) is a document which, since 1 January 2006, confirms our right to receive medical treatment in the following countries. The Card allows one to receive medical treatment in a given country in line with the same principles as its citizens.
• The EHIC is valid in the territory of other Member States of the European Economic Area and Switzerland. These are in particular: Austria, Belgium, Bulgaria, Cyprus, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Greece, Spain, Netherlands, Ireland, Iceland, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Germany, Norway, Portugal, Romania, Slovakia, Slovenia, Switzerland, Sweden, Hungary, Great Britain, Italy.
  Please note that EU legislation is also applicable in French territories: Guadeloupe, Martinique, Reunion and French Guiana, in Portuguese territories: Azores and Madeira and in Spanish territories: Majorca, Minorca, Ibiza and Canary Islands.
• EU legislation is not applicable in the case of: Denmark – in the territory of Greenland and Faroe Islands and for Great Britain – the Channel Islands: Jersey, Guernsey, Alderney, Herm and Sark, and the Isle of Man
• In the EFTA States, which is Iceland, Liechtenstein, Norway and Switzerland, the principles for receiving medical treatment are set out mainly in Regulation (EEC) 1408/71 of the Council 14 June 1971, Regulation (EEC) 574/72 of the Council of 21 March 1972 and Regulation (EC) 631/04 of the European Parliament and of the Council of 31 March 2004