PARIS PRIME RENTALS & ADAR
INSURANCE FOR RENTED HOLIDAY ACCOMMODATION YOUR
CONTRACT N° 160 101 330
UNDER THE FRENCH INSURERS CODE OF GOOD PRACTICE
This contract provides parties renting holiday
accommodation for a period of less than 90 days with
the benefits described below. The rented accommodation
must be located in France or in a country bordering
continental France.
SUBSCRIPTION
Insured Persons may benefit from the guarantees
offered by the ADR policy by signing the contract
for rental o holiday accommodation and paying the
ADAR premium that figures in the said rental contract
indicating the indemnities.
Other benefits, such as transportation may also be
provided, if they are included in the rental contract
and are covered by the premium. If the rental contract
is for several families, then cover for each family
corresponds to the portion paid. The rental contract
is not cancelled and the cover provided by ADAR corresponds
to the arithmetic portion of the affected family.
Il is necessary to provide ADAR or the agency, with
the name(s) of the joint policy holders.
GUARANTEES
1-Cancellation
The Insurer shall refund to the Insured Person all
sums paid as down payment and all contracted colts
in the event of the holiday being cancelled for any
of the follo-wing reasons:
a) Serious illness, serious injury or death of the
Insured Person or their spouse, their parents, their
children or any other person mentioned in the rental
contract. Serious illness or injury shall mean any
health problems that prevent the Insured Person from
leaving their place of residence or the hospital where
they are being treated on the date at which the period
of rental begins. Employees shall provi-de a doctor's
certificate for at least 8 consecutive days. Other
workers shall pro-vide a medical certificate stipulating
that they are unable to travel. Persons taking cures
shall also provide evidence that they are covered
by legal medical cover and that all expenses shall
be refunded without any revenue clause.
b) Accidental damage to the Insured Person's home,
second home or to a compa-ny belonging to the Insured
Person occurring before the date of departure and
requiring the presence of the Insured Person at the
scene of the damage on the date of departure.
c) Lay-off or relocation of the Insured Person or
their spouse, on the condition that they are notified
by their employer alter the beginning of the period
of insu-rance.
d) Road blocks or strikes that prevent the Insured
Person from reaching the rented accommodation by road
or by rail on the date of departure or during the
follo-wing 48 hours, as certified by the local authorities
of the district in which the holi-day accommodation
is located.
e) If the Insured Person is obliged to cancel or
curtail their holiday during the 48 hours preceding
or following the start of the period of rental because
the site is made inaccessible due to: pollution, floods,
fire, natural catastrophe or epide-mic. Under this
contract, these risks are considered to have occurred
when access is totally dosed by the local authorities
during the period of rental within a radius of 5 kilometres
from the site.
f) Compulsory administrative attendance by official
order.
g) Unavailability of the rented accommodation due
to an unforeseen event such as fire, storm damage,
Hoods or other natural phenomena.
2- Curtailment
In the event of curtailment for any of the reasons
mentioned under CANCELLATION in paragraph a), b) e)
f) and g), unused but contracted rental colts shall
be refunded, limited to 15 000 ¤.
3-Search and rescue
The Insurer shall refund all mountain and sea search
and rescue colts incurred by an official organisation
in searching for and rescuing Insured Person, their
spouse, parents or children, or any other persons
mentioned in the rental contract up to a limit of
3 050 euros.
4- Personal liability for material damage.
The Insurer shall cover
a) In the event of fire, explosion, lightning, floods:
material damage caused to pro-perly belonging to the
owner of the rented accommodation; material damage
cau-sed to neighbours or third parties; any resulting
loss, in rent or usage; in addition to any existing
holiday insurance.
This guarantee is limited to 1 525 000 euros.
b) Any accidental damage caused to: property included
in the inventory and loca-ted inside the rented accommodation;
any immovable property belonging to the owner of the
rented accommodation.
This guarantee is limited to 2 300 euros after deduction
of an excess of 45 euros.
EXCLUSIONS
The following are excluded from the guarantees defined
above:
Damage caused directly or indirectly by:
- Foreign wars: the Insured Person shall prove that
damage had other causes.
- Civil war: the Insurer shall prove that the damage
was caused by civil war.
-All direct or indirect effects of explosions, heat
release, or irradiation due to atomic transmutation
or radiation caused by the artificial acceleration
of particles.
- Any damage for which the Insured Person is not
liable.
- Any damage to the property of the Insured Person.
- Any damage to lights, fuses, electronic tubes,
cathode tubes, semiconductor crystals, heating resistors
and heating covers, any damage due to wear and tsar,
breakage or the workings of the damaged object.
- Theft of objects left in courtyards or gardens.
- Theft of objects Located in common areas shared
by various tenants or resi-dents, except in the case
of breaking and entering.
- Damage occurring when the premises containing
the insured objects are occupied by third parties
other than the tenant, his representatives or authorised
parties.
- Suicide.
- Pregnancy.
- Accidents and illnesses whose origin was known
prior to the period of insurance.
- Litigation or dispute regarding the description
or inventory.
- Redundancy or relocation of employers or associates.
PRESCRIPTION-SUBROGATION
Any action resulting from this contract shall be
subject to a prescription of two years as of knowledge
of the occurrence of the event causing the said action.
The Insurer has the right to claim against any person
responsible for damage suffered by the Insured Person
resulting in a claim.
INSURER
AXA Courtage, represented by Cabinet ALBINET, trademark
ADAR, public limited company with a capital of 200
000 euros - RCS Paris B 582 136 289. The complete
General Conditions REF 714 DA 5/4/1988 can be consulted
on request.
HOW TO MAKE YOUR CLAIM ?
You must inform your rental agency beforehand of
the cancellation.
Once you have received confirmation from your rental
organisation, you must send to ADAR all the documents
needed for your claim : medical certificate, hospital
certificate, notice of redundancy from your employer,
etc, at following address :
ADAR
- Service Sinistres -
5, cité de Trévise
75 009 PARIS France
Fax: +33 (0)1 48 01 84 83
Remember to include: your complete address, your
telephone numbers, the name of your rental agency,
your rental reference number, the start and end dates
of your holiday.
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