Multisport: sportsman insurance
The following information intended for foreign clients gives a clear, succinct overview of the insurer's identity and the essential content of the insurance contract.
WHO IS THE INSURER?
The Insurance Company is SOGESSUR SA, Via Tiziano 32 20145 Milano (MI), Italia.
Multisport insurance is distributed by GBC Montagna S.r.l. Corso Magenta 69/A 20123 Milano (MI), Italia.
WHAT RISKS ARE COVERED BY THE INSURANCE AND WHAT IS THE SCOPE OF THE INSURANCE SERVICES?
Multisport is a multi-risk insurance product for amateur sport activities. The policy covers in case of damages involuntarily caused to third parties while practicing sports and provides assistance services in case of injury occurred while practicing sports, as indicated below.
All guarantees of the insurance are subsidiary to any insurance cover subscribed earlier by the insured/beneficiary and valid when the insurance is purchased. In such a case only the damages not already insured by the contract will be covered.
The risks insured and the scope of the insurance cover are stipulated in the General Insurance Conditions (available only in Italian), issued in accordance to the regulations of the Italian Insurance Authority, IVASS.
Benefits and services provided can include the following:
|Third party liability for personal injury
||€500.000 Excess 10% minimum €250
|Third party liability for damage to property
only in case of damage to persons as well
|€50.000 Excess 10% minimum €250
|Refund for unused subscriptions, lessons, sports equipment hire due to injury
|Search, aid and rescue expenses
|Emergency medical expenses
“Emergency medical expenses” refers exclusively to
expenses incurred immediately after the claim.
|Companion during hospitalization
|Repatriation for medical reasons
|Travel companions repatriation
|Advance bail payment
|Transportation of coffin
WHO IS INSURED?
The persons insured are the customers indicated in the policy subscribed or any other document or item proving that insurance cover was purchased.
WHAT ARE THE MAIN EXCLUSIONS?
Events that have already occurred at the time the ski-pass is issued, and those whose occurrence was manifest for the insured person at the time the ski-pass is issued.
Events connected with participation in dangerous acts or against regulations in full knowledge of the risks.
Events connected with pandemics and epidemics.
Participation in competitive events even as an amateur.
Mountain climbing over 6.000 metres, bobsleigh, hunting dangerous animals, motor and flying sports (unless the appropriate additional premium has been paid), skeleton sledding, potholing. Exclusively for the daily policies, motor and flying sports are not excluded if played with an instructor.
In case of downhill skiing activities the insurance is only valid in the event of request and intervention by the rescue services at the scene of the accident on the ski runs.
Assistance procedures and costs not ordered or not approved by the Insurer.
This list only indicates the most common exclusions. Other exclusions are stipulated in the General Insurance Conditions.
WHAT ARE THE OBLIGATIONS OF THE INSURED PERSON?
The insured person is bound to entirely respect his/her obligations as regards notification, legal or contractual information and the procedures to be followed (e.g. declaring losses promptly to the Isurer).
The insured person is bound to do everything in his/her power to limit the extent of the loss and help in elucidating its cause (e.g. authorizing third parties to remit documents, information and other elements needed to account for the loss to the Isurer).
Notify in any case to their previously existing insurers whose coverage was in force at the time when the policy was issued. Then he/she may send the final account statement from his/her insurers to the Isurer in order to apply for statement of any insurance claim which may not already have been covered.
The Isurer advises citizens from EU Member States who suffered an accident and need urgent transportation and treatment in hospital, that they can benefit of European Health Insurance Card (EHIC) policy agreements, presenting their EHIC document to the services providers. Then you may send to the Isurer the final account statement from the providers to enable any differences to be compensated.
In case of failure to comply with the above obligations, the Isurer will not be liable.
This list only indicates the most common obligations. Other obligations are stipulated in the General Insurance Conditions.
WHEN DOES THE INSURANCE PERIOD START AND END?
The insurance cover starts at 24.00 of the day indicated in the policy or the day of payment of the premium if subsequent and the cover ends at the date indicate in the policy.
The insurance is valid only if the policy, or any other document or item proving that insurance cover was purchased, indicates the premium was paid.
The insurance is only valid all over the world if subscribed by Italian citizen resident in Italy. In case the policy is subscribed by foreign citizen, territorial validity will be limited to sport activities performed in Italy.
HOW TO REPORT AN ACCIDENT OR SEND A REFUND CLAIM?
You can request the refund included in the benefits of your policy in case of injury, and/or report an accident causing damage to other persons and activate the third party liability coverage of you policy, following the instructions you find here.
To benefit from the coverages, you must send within 10 days (final deadline):
- the accident details or reimbursement claim;
- every item, invoice or certificate to prove what happened.
To benefit from “Companion during hospitalization”, “Repatriation for medical reasons”, “Travel companions repatriation”, “Advance bail payment”, “Transportation of coffin” you have to contact the operations center immediately, because it is the only one authorized to organize services (otherwise the Company is not required to pay damages, give refunds, or provide alternative services of any type by way of compensation).
You can contact the operations center 24 hours a day:
GBC Montagna S.r.l.
Tel.: +39 02 20564.450
HOW ARE PERSONAL DATA PROCESSED?
The Isurer processes data from contractual documents or arising from the execution of the contract and uses them notably to calculate the premium, define the risk, process cases giving rise to services, create statistics or for marketing purposes. These data are securely stored physically or electronically.
These data will be transmitted, if necessary, to interested third parties, including other insurers, authorities, lawyers, doctors and external experts. These data may also be processed to prevent any insurance fraud.
All details about personal data treatment are described in the General Insurance Conditions.
THIS ENGLISH TRANSLATION MAY BE USED FOR INFORMATION PURPOSE ONLY,
THE ITALIAN WORDING PREVAILS IN CASE OF LITIGATION
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