Terms & conditions free insurance

Terms and conditions Camping Key Europe

Valid from January 1, 2020


Insurance provider for this insurance is Europæiske Rejseforsikring, A/S CVR no. 62 94 05 14, through Europeiska ERV Filial (hereinafter Europeiska ERV), org. no. 516410-9208. Supervisory authority is the Danish Finanstilsynet.

Europeiska ERV
Phone: +46 (0) 770-456 900. Visiting address:
Löfströms Allé 6 A, Box 1
SE-172 13 Sundbyberg, Sweden.


1. FOR WHOM THE INSURANCE APPLIES
The insurance has been taken out by ANWB
Leden – en Kampeerreizen B.V for their
customers as holders of a Camping Key Europe
Card.
“Card holder” is according to these conditions
understood to mean a person who holds a valid
Camping Key Europe Card.
“The insured” is understood to mean the card
holder and his family members and three (3)
accompanying children under 18 years who are
not the own children of the insured, accompanying
and staying together with the card holder during
the holiday trip.
The insurance applies to insured persons with
ordinary residence in Europe, Morocco or Turkey.

2. WHEN THE INSURANCE APPLIES
The insurance applies during holiday in the
camping park area, motor home site area, rental
houses area or hotel area in Europe, Turkey or
Morocco. Insured that has his ordinary residence
outside EU/EEA or Switzerland the insurance
does not apply in camping parks in the insured’s
country of residence.
Camping park area does also include “motor
home site area” for campers, rental cottage/-
house and hotel.
Camping park area/motor home site area,
cottage/house area and hotel is understood to
mean to be managed professionally and the area
to be well defined.
The insurance cover applies from the moment the
insured checks in at the camping park area,
cottage/house area, motor home site area or hotel
and continues for the rest of the stay. The insurance
cover expires the moment the insured checks out or
leave the camping park area, cottage/house area,
motor home site area or hotel.
The insurance covers only accidents/damages
that occur within the camping park area,
cottage/house area, motor home site area or
hotel area.
Accidents/damages outside the camping park
area, cottage/house area, motor home site area
or hotel area are only covered if they occur
during a leader-supervised activity organized by
the campsite, motor home or hotel.

Limitations
For compensation according to this insurance a
certificate is required from a representative
from the camping park area, cottage/house
area, motor home site area or hotel together
with the claim to the effect that the injury
occurred within or during a leader-supervised
activity organized by the camping park area,
cottage/house area, motor home site area or
hotel.


Exclusions
The insurance does not apply in areas where
the Swedish Ministry of Foreign Affairs has
issued a travel warning.

3. EXCESS
The insurance cover applies without excess
except for Third party liability. Under section 9
Liability coverage applies with an excess of 5 %
of the indemnity, however at a minimum of € 100
for each accident/damage applies.

GLOSSARY OF TERMS

Europe: “Europe” is understood to mean
Belarus, Bulgaria, Czech Republic, Hungary,
Poland, Republic of Moldova, Romania, Russian
Federation, Slovakia, Ukraine, Åland Islands ,
Channel Islands, Denmark, Estonia, Faeroe
Islands, Finland, Guernsey, Iceland, Ireland, Isle
of Man, Jersey, Latvia, Lithuania, Norway, Sark,
Svalbard and Jan Mayen Islands, Sweden, United
Kingdom of Great Britain and Northern Ireland,
Albania, Andorra, Bosnia and Herzegovina,
Croatia, Gibraltar, Greece, Holy See, Italy, Malta,
Montenegro, Portugal, San Marino, Serbia,
Slovenia, Spain, The former Yugoslav Republic of
Macedonia, Austria, Belgium, France, Germany,
Liechtenstein, Luxembourg, Monaco, Netherlands,
Switzerland.

Trip: A trip involving at least one overnight stay
away from the place of domicile.

Camping park area: A camping park that is
managed professionally. The area includes area
managed by the camping site.

Motor home site area: An area for motor
homes that is managed professionally and for
which the card holder has paid a fee to stay at
and includes the area managed by the motor
home site.

Rental house/cottage: A house or cottage
that the card holder has rented and paid for to
stay at and includes the area managed by the
house/cottage owner.

Area: Is understood to mean the area of the
camping park/motor home site, around the
rented cottage/house or hotel.

Hotel area: A hotel that is managed professionally and for which the card holder has paid a
fee to stay at. The area includes the area
managed by the hotel.

Accident: Is a bodily injury that the insured
sustains involuntarily as a result of a sudden
unforeseen external event which means extrinsic
violence to the body. The date when such injury
manifests itself, will be considered to be the
date of the accident.

Family member: Family member is understood
to mean spouse, cohabit and their own children
or grandchildren under 18 years. The card holder’s children shall be officially registered as
living at the same main address or with the
other parent. Cohabit is understood to mean a
person with whom the insured cohabit who is
equivalent to a spouse and officially registered
as living at the same main address.

Card holder: A person who holds a valid Camping Key Europe Card.
Insured: Card holder and any person who is
covered by the insurance of the card holder.

Co-insured: Any person who is covered by the
same insurance as the insured and who is
following the insured on the trip.

Ordinary residence: Ordinary residence is
understood to mean a place where a person lives
permanently for more than 183 days.

Close relative: Spouse/cohabit, children, stepchildren, siblings, parents, stepparents, grandparents, parents-in-law, grandchildren, son-inlaw, daughter-in-law, brother-in-law and sisterin-law. Parents and siblings to cohabit are covered as parents-in-law, brother-in-law and sisterin-law under these conditions.

4. WHAT IS COVERED BY THE INSURANCE

Damage/incident Maximum amount of compensation
Euro (€)
Accident insurance
Care and treatment costs due to accident
Dental expenses due to accident
Local travel expenses related to care and treatment
Additional costs of repatriation
Additional costs for the repatriation of the deceased,
necessary and reasonable costs alternatively funeral on site
Damaged property due to accident
Visiting a child in hospital (maximum 6 months) no
more than 1 family member
Rehabilitation and assistive technology
Unused part of camping-/cottage-/motor home or hotel
Necessary and reasonable costs
1,000/insured
Necessary and reasonable costs
Necessary and reasonable costs
2,500/insured
2,000/insured, 5,000/family
200/month
7,500/insured
2,500/insured
Lump sum at accident
Death
At medical disability 20-49 %:
0-64years
From the age of 65
At medical disability from 50 %
0-64 years
From the age of 65
2,500/insured
25,000/insured
10,000/insured
50,000/insured
10,000/insured
Liability Protection (private individual) -subsidiary
In case of bodily injury and / or damage
1,800,000/claim
Legal expenses
In case of bodily injury
7,500/claim


5. ACCIDENT INSURANCE

5.1 When the insurance applies
The insurance covers accidents that occur during
the stay within the camping park area. Camping
park area does also include “motor home site
area” for campers, rental cottage/house and
hotel.


5.2 What is an accidental injury?
Accidental injury means a bodily injury sustained
by the insured involuntarily as a result of a
sudden unforeseen external event which means
extrinsic violence to the body. Accident includes
bodily injury that has occurred through frostbite,
heatstroke or sunstroke. The date when such
injury manifests itself, will be considered to be
the date of the accident.

5.3 What is covered by the insurance
The insurance covers accidents that require
professional medical treatment and occur within
the camping park area, cottage/house area,
motor home site area or hotel area. If the
accident which requires professional medical
treatment occurred outside the camping park
area, cottage/house area, motor home site area
or hotel area are only covered if they occur
during a leader-supervised activity organized by
the campsite, motor home or hotel.
Compensation is paid by the insurance for
necessary and reasonable costs due to the accident not being covered by other according to
law, statute, convention, warranty, rescue subscriptions or agreement. The insurance does not
provide compensation if payment has been provided from other insurance.
Clothes and other property normally worn next
to the body being damaged due to accident
leading to professional medical or dental treatment are compensated under section 7. Additional costs for damaged property.
At accidental injury compensation is paid within
3 years of the accident to the insured who has
ordinary residence in EU/EEA or Switzerland and
is registered with the national social security
system. The insured shall at first hand use the
public health care. The aftercare does not apply
to persons with ordinary residence outside
EU/EEA or Switzerland.
For insured with ordinary residence outside
EU/EEA or Switzerland, the insurance does not
cover any costs or claims arising from the
insured’s country of residence.

5.4 Limitation
Compensation is paid on the condition that a
certificate from a representative from the camping park area, cottage/house area, motor home
site area or hotel together with the claim to the
effect that the injury occurred within or during a
leader-supervised activity organized by the
camping park area, cottage/house area, motor
home site area or hotel.

6. COSTS COVERED BY THE ACCIDENT
INSURANCE

6.1 Medical costs
The insurance covers necessary and reasonable
costs for medical care, medication, treatment
and assistive technology prescribed for the
healing of the injury.

6.2 Acute dental treatment due to accident
The insurance covers necessary and reasonable
costs for dental treatment due to accident and
done by qualified dental practitioner. Injuries
caused by biting and chewing are not regarded
as an accident.
For insured with ordinary residence in EU/EEA or
Switzerland and registered with the national
social security system, dental treatment due to
accident which has to be postponed according to
the dentist, may be covered if the treatment
starts within 3 years and ends within 5 years
from the date of the accident. The insured shall
at first hand use the public dental care. The
aftercare does not apply to persons with ordinary residence outside EU/EEA or Switzerland.

6.2.1 Maximum amount of compensation
The maximum amount of compensation is
€ 1,000 per insured and claim.

6.2.2 Limitations and security directives
• Costs for dental care exceeding € 500 must
be approved by TMP-access prior to treatment.
• The first visit to dentist must be done during the trip.
• All costs must be supported by receipts in
original.
If the insured does not follow the given instructions the compensation may be reduced or fully
denied.

6.2.3 Exclusion
Dental treatment not resulting from an accident.

6.3 Local travel in connection with medical
and dental care
If the insured needs to travel to get medical or
dental care, compensation will be paid for necessary and reasonable local travel costs to get
care and treatment prescribed by medical/dental
practitioner for the healing of the injury. Travel
with own car will be compensated with
€ 0.18/km. If the injured person is an insured
person under 12 years compensation for necessary local travel costs is also paid to one
adult co-insured.

6.4 Additional costs for return home
If a qualified medical practitioner at the place of
stay requires that the insured person returns
home on a date different to that scheduled,
compensation is paid for both necessary and
reasonable additional costs for the return home
or for the extension to the duration of the stay.

Both the need to return home and the way of
travelling or the extension of stay must be
prescribed by the medical practitioner.
Compensation will also be paid for necessary and
reasonable additional costs to a co-insured accompanying the insured to return home.

6.5 Unused part of camping fee
The insurance covers also part of the camping
site/motor home site hire, cottage hire or costs
for the hotel which remains up until the date of
the return home due to injury according to 6.4
with a total of € 2,500 per claim. No compensation will be paid for a return trip to the site
where the trip was interrupted.

6.6 Limitations and security directives to
section 6.4 and 6.5
• The extension of stay and the return home
must be approved by TMP-access prior to
the travel starts.
• The return home must be done with means
of transport approved in advance by TMPaccess.
• The reason for interruption of the travel or the
extension of stay must be certified by a
qualified medical practitioner with necessary
certificate.
• All costs/expenses must be supported by
receipts in original.
If the insured does not follow the given instructions the compensation may be reduced or fully
denied.

6.7 Repatriation of the deceased
If the insured deceases due to an accident outside
the domicile, the insurance compensates for
necessary and reasonable costs for repatriation of
the deceased alternatively funeral on site. TMPaccess also pays costs for such arrangements
being necessary for implementation of the
transport. Compensation for funeral on site is paid
with a maximum amount of € 2,500 per insured.

6.8 Visiting a child in hospital
If a child under the age of 18 sustains a claimable
accidental injury according to these insurance
terms and conditions and has to stay in hospital
outside the country of residence, compensation is
paid for necessary and reasonable costs for accommodation and travel for one family member
when this person visits the child in hospital
limited to € 200 per month during a maximum of
6 months.

6.9 Limitations and security directives to
section 6
Compensation is paid on the condition that a
certificate from a representative from the camping
park area, cottage/house area, motor home site
area or hotel together with the claim to the effect
that the injury occurred within or during a leadersupervised activity organized by the camping park
area, cottage/house area, motor home site area or
hotel.
• All care must be prescribed by treating
medical/dental practitioner where the care
and treatment is provided to the insured.
• Compensation for costs for phone calls to
and from others than TMP-access is limited
to € 10 per claim.
• All costs must be supported by receipts,
medical certificate, prescription or corresponding certificates in original.
• Treating and certificates rewarding medical/dental practitioner must be qualified and
knowable.
• If the costs are expected to exceed € 500, the
costs must be approved by TMP-access or by
its appointed representative in advance.
If the insured does not follow the given
instructions the compensation may be reduced
or fully denied.

6.10 Exclusions to section 6
Compensation is not paid for costs
• due to accident, decisively caused by the
influence of alcohol, other intoxicants, sedative-hypnotics or narcotics
• arising from the country of residence of the
insured with ordinary residence outside
EU/EEA or Switzerland
• for planned surgery and treatment and
possible complications afterwards
• due to pregnancy and arising after
pregnancy week 32
• due to preventive health care, vaccinations,
pregnancy check-up, routine dental care or
orthodontics
• due to suicide or attempted suicide
• for return home or other travel only due to
the fear of infection from the insured if the
insured by medical practitioner has been
advised against travelling
• resulting from loss of earnings
• due to an accident that has occurred due to
physical work performed as part of a trade
or profession
• for which compensation is available from
other sources in accordance with a law,
other statute, convention or liability for
damages
• if compensation has been paid from other
insurance
• due to injury the insured sustains while
taking part in sports, training, pre-advertised
sporting, adventure, expedition-like or other
hazardous activity not being regarded as
exercise or leisure of normal range or
intensity. Examples of hazardous activity
are:
• motor sport (speed competitions)
• deep sea diving (deeper than 30 m)
• sports including kicks and punches
• mountain, rock, ice or glacier climbing
• white water rafting.

7. ADDITIONAL COSTS FOR DAMAGED
PROPERTY

7.1 What is covered by the insurance
Compensation is paid for clothes and other property normally worn next to the body being
damaged due to accident being covered under
these terms and conditions.

7.2 Maximum amount of compensation
Compensation for damaged property or costs of
repair is paid at a maximum of € 2,000 per insured and claim, a maximum of € 5,000 per
family and claim.
Money and travel documents are compensated at a
maximum of € 100 per person or € 300 per family.
Mobile phone, personal digital assistant and
sunglasses are compensated at a maximum of
€ 100 per insured and claim.

7.3 Limitations and security directives
Compensation is paid on the condition that a
certificate from a representative from the camping park area, cottage/house area, motor home
site area or hotel together with the claim to the
effect that the injury occurred within or during a
leader-supervised activity organized by the
camping park area, cottage/house area, motor
home site area or hotel.
The insured must itemize the claim due to
damage. At a loss, the insured must verify the
value of the property and prove the ownership
of the property. Certificate, certificate from the
treating medical/dental practitioner, receipts etc.
may be necessary from the insured depending
on the claim.
If the insured does not follow the given
instructions the compensation may be reduced
or fully denied.

7.4 Exclusion
The insurance does not cover
• stamps, currency of value to collectors, manuscripts, drawings or valuable documents
• animals
• motor vehicles, caravans or other towed
vehicles, including equipment or accessories
• boats or similar “floating means of transport” (with the exception of windsurfing
boards)
• aeroplanes or other “aircrafts” accessories to
these. The insurance does not cover parts or
equipment to above mentioned vehicles or
crafts.
Compensation is not paid for
• superficial damages like dents, scratches or
likewise without affecting the usefulness
• costs arising in the country of residence of
the insured with ordinary residence outside
EU/EEA or Switzerland
• costs for which compensation is available
from other sources in accordance with a
law, other statute, convention or liability for
damages
• if compensation has been provided from
other insurance.

7.5 Terms of valuation and compensation

7.5.1 Terms of compensation
Depending of the circumstances of the specific
claim, compensation may be paid as cash compensation according to the terms of valuation for
new or used property or costs of repair. TMPaccess decides the way of compensation and
where a purchase or repair shall be done.

7.5.2 Terms of valuation
Compensation is paid for a pure economic loss,
equivalent to the replacement price by the time
of the insurance case. This means that when the
property is damaged or lost the compensation
depends on the age, wear and tear, modernity
and usefulness.
As a pure economic loss the following is not
valuated:
• sentimental value
• loss of earnings
• value of own work that has gone into photos,
motion pictures, tape recordings, software,
models or similar or the value of own work
after the damage.

7.5.3 Schedule of valuation
The age deduction is calculated from the date of
purchase in % of the purchase price. The deduction is not exceeding 60 % if the property was
in working condition by the time of damage.

Property 1
year
2
year
3
year
4
year
Spectacles 0 % 20 % 40 % 60 %
Bicycle 0 % 20 % 40 % 60 %
Clothes and
other property
0 % 20 % 40 % 60 %
Watches
< € 500
0 % 20 % 40 % 60 %
Watches
> € 500
Valued at market price
Skins/furs
> € 1,000
Valued at market price
Gold/jewellery Valued at market price
Photo-/tape
recordings
Compensated with replacement
costs of raw material
Video/video
recorder
Radio/camera/
Accessories to
computers
Property older than 6 months is
compensated with 50 %. After
that deduction with 10 %/year
and maximum 60 %.

8. DISABILITY BENEFIT AND COMPENSATION IN THE EVENT OF DEATH

8.1 What is covered by the insurance
Compensation is paid for medical disability and
death due to accident that occurred during the
stay at the campsite.

8.2 Compensation in the event of death
At accidental injury occurring during the time of
insurance and leading to death within 3 years
from the time of damage, a lump sum is paid (in
this order) to the insured spouse, cohabit and
children or if there are no such beneficiaries to
legal heirs unless TMP-access has been notified
otherwise in written.
Compensation is paid with the insurance amount
for the event of death with € 2,500 per insured.
If a lump sum has been paid for medical disability from this insurance, the death benefit is
deducted with the disability compensation.

8.3 Medical disability benefit
Medical disability means a condition when there
after the acute illness is a lasting future reduction in the physical function without taken into
account the occupation of the insured, working
conditions or hobbies. The degree of disability
shall be determined on the basis of the injuries
and symptoms caused by the accident and which
can be objectively identified. Medical disability
also includes loss of internal organs.
For benefit to be paid, the degree of disability
must be at least 20 % or more and paid as a
lump sum amount equal to that part corresponding to the degree of disability. The benefit
is paid to the insured. Where the same accident
causes injury to several parts of the body,
compensation will be paid on the basis of a
calculated degree of disability of a maximum of
99 %. Benefit is paid as a lump sum amount
equal to that part corresponding to the degree
of disability
Entitlement to disability compensation shall exist
as soon as the definitive degree of disability has
been established, after at least one year has
elapsed since the accident. The compensation is
based on the lump sum of the insurance valid at
the time of damage.
Has the degree of disability been established
and the amount of compensation is higher than
the compensation in the event of death, the
compensation in the event of death is paid as
the difference between the compensation in the
event of death and the decided benefit of
disability.
At medical disability 20-49 %
Benefit is paid at degree of disability being
20-49 % and as a lump sum amount equal to
that part corresponding to the degree of
disability.
• For insured 0-64 years the lump sum at
degree of disability being 20-49 %, maximum € 25,000 per insured.
• For insured from 65 years the lump sum at
degree of disability being 20-49 %, maximum € 10,000 per insured.
At medical disability from 50 %
Benefit is paid at degree of disability being 50 %
or more and as a lump sum amount equal to that
part corresponding to the degree of disability.
• For insured 0-64 years the lump sum at degree of disability being 50 % or more maximum € 50,000 per insured.
• For insured from 65 years the lump sum at
degree of disability being 50 % or more
maximum € 10,000 per insured.

8.4 Entitlement to lump sum
• The insured has the right to disability a
lump sum if the accidental injury within 3
years causes disability and at least 12
months have elapsed since the accident.
• As soon as the definitive degree of disability
has been established, the disability lump
sum is been paid.
• Establishing of the definitive degree of
disability shall be done if possible within 3
years from the accident but can be postponed as long as it is necessary according
to medical experience or according to the
possibility of rehabilitation.
• The insured has the right to compensation if
the treatment is fully completed and the
definitive degree of disability has been established before 12 months have elapsed
since the accident.
• When the insured dies after the entitlement
to disability compensation comes into effect, the amount corresponding to the covered medical disability which was in place
before death shall be paid. When the
insured dies before the entitlement to
disability compensation comes into effect,
no disability compensation shall be paid.

8.5 Rehabilitation and assistive technology
for the healing of the injury

8.5.1 What the insurance covers
Over and above the disability lump sum being
paid and where the degree of disability has been
established to at least 20 %, compensation is
paid during no more than 3 years for assistive
technology, domestic help and other means in
order to alleviate the condition of disability and
where compensation is not available from other
sources in accordance with a law, other statute
or in case that another insurance already has
reimbursed the damage. Assistive technology,
domestic help and other means must be prescribed by a medical practitioner. In order for
compensation to be paid the insured must have
ordinary residence within the EU/EEA or
Switzerland and registered with the national social security system.
The aftercare does not apply to persons with
ordinary residence outside EU/EEA or Switzerland.
The maximum amount of compensation is
€ 7,500 per claim.

8.6 Limitation to section 8
For compensation a certificate is required from a
representative from the camping park area,
cottage/house area, motor home site area or
hotel together with the claim to the effect that
the injury occurred within or during a leadersupervised activity organized by the camping
park area, cottage/house area, motor home site
area or hotel.
The costs must be approved by TMP-access or
by its appointed representative in advance.

8.7 Exclusion to section 8
The following is no compensation paid for
• Injury resulting from infection with bacteria,
virus or other contagion.
• Injury where it may be supposed that the
event causing the injury was a result of the
injured being severe mentally ill or under
the influence of alcohol, other intoxicants,
sleeping medication or narcotics.
• Costs arising from the country of residence
of the insured with ordinary residence
outside EU/EEA or Switzerland.
• Suicide or attempted suicide, criminal act or
participation in a fight which cannot be
interpreted as self-defense.
• Injury due to physical work performed as
part of trade or profession.
• Injury resulting from the insured having
deliberately exposed himself to an evident
risk of injury.
• Costs for which compensation is available
from other sources in accordance with a
law, statute, convention, liability for damages.
• If expenses has been reimbursed from
other insurance.
• Accidental injury the insured sustains while
taking part in sports, training, pre-advertised sporting, adventure, expedition or
other hazardous activity not being regarded
as exercise or leisure of normal range or
intensity. Examples of hazardous activity
are:
• motor sport (speed competitions)
• deep sea diving (deeper than 30 m)
• sports including kicks and punches
• mountain, rock, ice or glacier climbing

9. LIABILITY COVERAGE (private individual)

9.1 What is covered by the insurance
The liability protection is subsidiary and applies
only if the insured does not have his own personal liability insurance.
The liability protection applies for insured in a
travelling capacity as a private individual. The
liability protection applies when someone hold the
insured liable to pay damages for bodily injury or
damage to property the insured caused someone
during the stay at a camping park/-motor home
site area, area around rented house or hotel. The
liability protection also applies for economic loss
directly due to compensable bodily injury and
property damage.

9.1.1 Limitation
In order to activate the liability coverage, a
certificate is required from a representative from
the camping park area, cottage/house area, motor
home site area or hotel together with the claim to
the effect that the injury occurred within or during a
leader-supervised activity organized by the camping
park area, cottage/house area, motor home site
area or hotel.

9.2 Commitment of the insurer
If the insured is held liable to pay for a damage
that may be covered by the insurance
• TMP-access investigate whether third party
liability exists for the insured.
• TMP-access negotiate with the party claiming
damages.
• TMP-access represent the insured in court
proceedings and will then also be responsible
for the legal costs involved.
• TMP-access pays the damages the insured is
held liable to pay.

9.3 Maximum amount of compensation
The maximum amount of compensation is
€ 1,800,000 per claim even if more than one person
covered by the insurance is liable to pay damages.
This amount also applies to more than one damage
caused by the same reason and at the same event.
Where the insured’s own personal liability insurance
has a limit (maximum compensation) less than
€ 1,800,000 the insurance covers the difference
between the insured’s personal liability insurance
maximum limit and € 1,800,000 if the insured’s
insurance company has paid the maximum
compensation to the insured.
The insurance cover applies with an excess of
€ 100.

9.4 Claim of third party liability
A damage that might lead to claim of compensation towards the insurer must be notified as
soon as possible to TMP-access.
If a claim of liability has been forwarded towards
the insured, the claim of compensation must be
forwarded to TMP-access immediately thereafter.

9.5 Obligation to disclose information
The insured has the obligation to disclose
documents and other information that might be
relevant for the claims handling to TMP-access
without delay. If the insured fraudulently states,
conceals or hides something being of importance
for the claims handling, the insurance does not
apply.

9.6 Measures of rescue
The insured shall by ability immediately avert
the damage or limit the damage already happened.
This means, among other things, that:
• the insured is obliged to limit the effects of
the event that could lead to third party
liability
• the insured shall be part of preserving the
right of recovery towards third party
• the safety regulations notified by TMPaccess are followed.

9.7 Interest
The insurance does not pay interest as a consequence of delay by the insured to fulfill the
terms and conditions of this insurance.

9.8 Summons
If the insured without authorization of TMPaccess admit his liability to damages, approve
the amount of damages or pays the damages,
this will not be binding for the insurer.
If there will be a court proceeding, the insured
must as soon as possible notify TMP-access and
follow the given instructions, otherwise the court
sentence will not be binding for the insurer.

9.9 Exclusion
For insured with ordinary residence outside
EU/EEA or Switzerland, the insurance does not
cover costs or claims arising from the country of
residence of the insured.
The liability protection does not apply to:
• pure financial loss, economic damage caused without any connection to bodily injury
or property damage
• damage the insured accept liability to
beyond applicable tort law
• liability claims or costs arising from outside
EU/EEA or Switzerland
• damage that the insured has inflicted on a
close relative
• damage that the insured has inflicted on
someone being covered under the same
insurance
• damage connected to the insured’s exercise
of a trade or profession, official duties or
other gainful occupation
• damage to property that the insured has
acquired, rented or borrowed, or has any
connection with other than in a purely
temporary manner
• damage for which the insured may be held
liable as owner of a property or apartment
or as a holder of a leasehold
• damage for which the insured may be held
liable as owner, user or driver of
a) motor vehicle when the damage is caused
by the vehicle being in traffic. Note: The
exclusion does not apply to electric wheelchair
b) steam-, motor- or sailing boat, watercraft,
hovercraft or hydrocopter
c) aircraft, hot air balloons, paragliding, wind
glider, hang glider or similar craft.
• damage caused by the insured performing a
wilful misconduct or gross negligence being
punishable under the law
• damage the insured caused while exercising
his profession or official duties or other
economic activities
• nuclear damage the insured may be held
liable for according to nuclear liability act or
equivalent foreign law
• damage directly or indirectly caused by or
in connection to war, warlike events, civil
war, revolution, insurrection or riots
• costs for which compensation is available
from other sources in accordance with a
law, other statute, convention, insurance or
liability for damages.
• costs caused by ship or aircraft has to
change roadmap due to damage of the
insured.

10. LEGAL EXPENSES COVERAGE

10.1 What is covered by the insurance
The insurance applies for the insured as a
private individual for disputes arising during the
time for insurance coverage.
The insurance applies only for disputes which
are resolved within EU/EEA or Switzerland.
The insurance applies for disputes which may be
resolved at a district court or equivalent court/-
board or which, after having been resolved in
such a court, may be resolved by the court of
appeal or the Swedish Supreme Court or equivalent court/courts in the country where the defendant has his ordinary residence.
10.2 Maximum amount of compensation
The maximum amount of compensation at each
claim/dispute is € 7,500 per claim.
If more than one dispute arises, these shall be
deemed to be a single dispute if:
• the insured and any other insured person
are on the same side of a dispute
• more than one dispute are based on the
same event
• claims refer to essentially the same event or
circumstances.
10.3 Excluded disputes
The insurance does not apply to disputes
• that are connected to exercising profession
or official duties or other gainful occupation
• related to family law
• that concern financial measures which are
of an unusual nature or extent for a private
individual
• that concern personal financial guarantee
• that concern claim or demand transferred to
the insured
• that concern the insured in the capacity of
owner, user or driver of motor vehicle, caravan or other trailer, aircraft, steam boat,
motor boat, sail boat or water scooter
• that concern damages or other claim due to an
act carried out by the insured and given rise to
suspicion of or prosecution for a criminal
offence requiring intent for criminality
• if the insured does not show legitimate
interest in having the case resolved.
10.4 Costs covered by legal expenses
Compensation is paid for necessary and reasonable legal representation and legal costs as a
consequence of dispute and for which the
insured cannot get paid from public funds or the
opposite party.
The insured may get compensation for costs
listed below if they are necessary, reasonable
and justified in respect of the nature of the
dispute.
Compensation is payable for
• Costs for the insured´s legal representative’s fee and costs. The fee is paid for reasonable time taken.
• Costs for investigation prior to legal proceedings, provided that the investigation is
ordered by the insured’s legal representative.
• Legal costs the insured has been ordered to
pay to the opposite party or the state after
the court or arbitration has resolved the
dispute.
• Legal costs the insured has undertaken to
pay to the opposite party in the event of
settlement during legal proceedings if it is
evident that the court would have ordered
the insured to pay the legal costs with a
higher amount if the dispute had been
resolved.
• Costs for evidence in court or arbitration
proceedings.
• Administration fees in court.

10.5 Limitation
In order for the insurance to apply the insured
must be represented by a legal representative in
the dispute. The legal representative must be
suitable in respect of the insured’s place of
residence, the place where the dispute is being
resolved as well as the nature and scope of the
dispute. In case of the dispute to be heard
abroad the legal representative must be approved by TMP-access.
If compensation has been paid according to
above, the insurer assumes the right of the
insured to claim compensation from the opposite
party, state or other. The insured must assist in
preserving any right of recourse.
If the court has examined the legal representative’s fee in the case, the insurance will
pay no more than the fee determined by the
court.
In order to activate the legal expenses coverage
a certificate is required from a representative
from the camping park area, cottage/house
area, motor home site area or hotel together
with the claim to the effect that the damage
occurred within or during a leader-supervised
activity organized by the camping park area,
cottage/house area, motor home site area or
hotel.

10.6 Exclusions
Compensation is not paid for costs associated
with criminal cases or costs for disputes only to
be resolved in administrative courts. If the insured has been awarded compensation as
damages that are also to cover costs of lawyer,
the insurance does not cover these costs.
Compensation is not paid for costs for which
compensation is available from other sources in
accordance with a law, other statute, convention
or liability for damages.
Furthermore compensation is not paid for
• Own work, loss of income, travel and living
expenses or any other expenses incurred by
the insured or any other insured person.
• Execution of judgment, decisions or agreements.
• Costs that refers to family law
• Additional costs that arise if the insured
engages more than one legal representative
or changes legal representative.
• Costs for arbitrators.

11. GENERAL TERMS

11.1 Rescue obligation
When an insurance incident occurs or imminently
threatens to occur the insured must take action
by ability to prevent or reduce the damage and if
someone else is liable for damages, to preserve
the right the insurer may have against that party.
If the insured willfully neglected his obligations
according to first paragraph, the compensation
may be reduced concerning the insured based
on what is reasonable taking in consideration
the circumstances of the insured and other
circumstances.
The same applies if the insured has neglected his
obligations knowing that this means a significant
risk of damage incurring or otherwise by showing
gross negligence.

11.2 Payment of compensation
Compensation is to be paid no later than one
month from when the insured reported the
event and provided the information necessary
for handling the claim. If the insured is entitled
to a certain amount, this should be paid as soon
as possible. The amount is to be adjusted
accordingly to the final compensation.
Compensation for property being repaired or
replaced is paid when the insured shows that the
property has been repaired or replaced.

11.3 Reduction of compensation at damage
If the insured willfully causes the insurance
event, no compensation is paid from the
insurance concerning the insured. The same
applies in so far the insured willfully has worsened the consequences of an insurance event.
If the insured through gross negligence has
caused an insurance event or worsened its consequences, the compensation may be reduced
concerning the insured based on what is
reasonable taking in consideration the circumstances of the insured and other circumstances.
The same applies if the insured otherwise must be
presumed to have acted knowing that this means
a significant risk of a damage incurring.

11.4 Safety directives
If the insured at the insurance event has neglected to follow a safety regulation according to
the insurance conditions or an act the conditions
refer to, the compensation from the insurance
may be reduced concerning the insured based
on what is reasonable taking in consideration
the connection of the consequence and the
incurred damage, the intent or the negligence
that has been and the other consequences.
Safety regulation means a regulation about specific way of acting or arrangements meant to
prevent or limit damage or certain qualifications
of the insured or his employee or other assistant.

11.5 When reduction is not to be done
Compensation is not reduced according to this
section due to
1. the negligence is being minor,
2. acting by someone being severe mentally
disturbed or under the age of twelve years, or
3. acting meant to prevent damage on person or
property in an emergency when the action was
justifiable.
The regulations of reduction do not apply to the
liability insurance for damage caused or worsened
through gross negligence or by violation of the
rules of safety regulations and rescue obligation
concerning the damaged person.

11.6 Terms at other specific cases

11.6.1 Aviation accident
In the event of an accident during a flight,
compensation is only paid if the insured was a
passenger on an aircraft of designated nationality. Passenger is considered to be only such
person on board who do not have or perform a
task related to the flight.

11.6.2 War damages
The insurance does not apply to damage
connected to war, warlike events, civil war,
revolution, insurrection or riots. The insurance
applies however if the insured is staying in the
affected area at the time for the outbreak and
the damage occurs within 14 days from the
outbreak of the disturbances. The insured is not
allowed to participate in the warlike events or
act as a reporter or similar.

11.6.3 Damage to or loss of property due to war
damage
Compensation for damage to or loss of property
is paid with up to half of the current maximum
amount. The same limitation applies if the property of the insured is confiscated, left behind or
lost at evacuation or detention.

11.6.4 Nuclear damages
Compensation is not paid if the damage is
caused directly or indirectly by nuclear process
(nuclear reaction, e.g. nuclear fission, nuclear
fusion or radioactive disintegration

11.7 Limitation period
Any person who wishes to claim insurance
compensation or other insurance protection
must initiate action within 10 years from the
date the condition according to the insurance
terms entitles to such protection takes effect.
If the action is not initiated within this time limit
entitlement to compensation is lost.
If the person who wishes insurance protection
has submitted the claim to the insurance
company within the time limit as specified in the
first section, the time limit is at least six months
to initiate action from the date when TMP-access
declared that it has passed a final decision
regarding compensation.

11.8 Force majeure
The insurance does not apply to loss that may
occur if the claims investigation, repairs or payment of compensation is delayed due to war,
warlike events, civil war, revolution, insurrection
or riots or due to natural disaster, actions by
public authorities, strikes, lockout, blockade or
similar actions.

11.9 General exclusion
Compensation is not paid for costs for which
compensation is available from other sources in
accordance with a law, other statute, convention
or liability for damages.
The insurance does not apply to damage due to
illegal action by the insured, the insured’s
beneficiary or legal heir.
Insurance protection, obligation to pay compensation or provide a benefit or service shall only
be granted insofar and as long as it is not in
conflict with economic, trading or financial sanctions or embargo decided by European Union or
Sweden being directly applicable to the parties
of the agreement.
This shall also apply to economic, trading or
financial sanctions or embargo adopted by USA
in-sofar it is not in conflict with European or
Swedish law.

11.10 Double insurance and recovery
If the same interests have been insured against
the same risk with several insurance companies,
each insurance company is liable to the insured
as if that company alone has provided the
insurance. However, the insured is not entitled
to higher compensation in total from the companies than is equivalent to the damage. If the
total of the liability amounts exceeds the damage, the liability is divided between the insurance companies in proportion to the amount of
their liability.
The insurance company assumes the right to
recover compensation that has been paid from
whoever is responsible for the damage, to the
extent that compensation has been paid.

11.11 Right of recourse
The insurance company assumes the insured’s
right to claim damages due to the damage,
insofar this is covered by the insurance and has
been compensated by the company.

11.12 Applicable law and court of competent jurisdiction
Swedish law shall apply to this insurance contract.
Disputes regarding this insurance contract or
these insurance conditions shall be resolved by
Swedish court. This also applies to damage occurred abroad.

11.13 Other legislation
The insurance is governed by Swedish law and
jurisdiction. In addition to the insurance conditions the provisions of the Swedish Insurance
Contracts Act SFS 2005:104 (FAL) apply.

11.14 Personal data processing and
disclosure of information
Europeiska ERV values your privacy. We will only
use your personal data for the purposes for which
you give it to us. We will retain your data for the
duration required by our operational purposes.
Europeiska ERV will only disclose your personal
data to other organizations where we have your
permission to do so, or where we are required to
do so by regulation. You also have the right to
request, in writing and without cost, information
from us about the information we have on you
and how it is used. You can also notify Europeiska
ERV in writing if you do not want your personal
data to be processed for purposes that concern
direct marketing.
You have the right to ask us to delete the
personal data. Please note that in some cases
when you make such a request of personal data,
we may not be able to honour your request as
this may result in us not being able to fulfil our
legal obligations or if there is a minimum
statutory period of time for which we have to
keep your personal data. If this is the case then
we will let you know our reasons.

The address is:
Europeiska ERV, Dataskyddsombudet, Box 1,
172 13 Sundbyberg, Sweden.

Requests for correction of personal ID numbers
can be made to the same address.
In the event of a claim, Europeiska ERV is entitled
to disclose the information received from the
insured and/or policyholder to Europeiska ERV’s
international network, including our central
control unit and service offices. Furthermore,
Europeiska ERV can request to seek information
on your state of health and treatment from the
physicians and hospitals that have treated you.
Europeiska ERV
may request that you sign a so-called ”medical
release” giving Europeiska ERV the right to
request medical information.

12. APPLICATION FOR COMPENSATION
Action in the event of damage
Any damage that occurs during the stay at the
campsite must be reported to the reception of
the campsite as soon as possible. A claim form
may be ordered there.

The claim form should be sent to:
TMP-access Claims Department
TMP-access AB
Sveavägen 159
SE-113 46 Stockholm, Sweden
Telephone: +46 (0) 8 – 540 804 40
Email: skadeavdelning@tmp-access.se

All notifications of claims must be itemized and
the documents needed to settle the claim such as
purchase receipts or medical certificates etc.
must accompany the claim form. The claim form
must also contain an exhaustive report of the
circumstances under which the damage occurred.
If there is any other insurance applicable for the
same damage, details of this insurance must be
included with the claim form. Any damaged items
must be kept so they may be inspected.
If these rules and other instructions issued in
connection with claims handling are not followed,
the compensation for the damage may be
reduced according to the rules prevailing in the
industry.
In case of emergency
In case of accident or other events where
immediate help is requested, contact Europeiska
ERVs assistance company Europeiska ERV Alarm
+46 (0) 770-456 899.

Dispute regarding the value of the claim
For a claim related to personal property, the
terms of valuation presented in these conditions
shall apply at firsthand. In the event that the
value is disputed, a certificate shall be sought
from a valeur. The valeur shall be authorized by
Swedish Chamber of Commerce or similar European organization. The cost of such a valuation
to the insured will be € 50 plus 10 % of any
excess amount but not to exceed half of the
valuer’s fee. If the valuer arrives to a higher
amount than that decided by TMP-access, the
full cost of valuation will be paid.

ADVISORY AND REVIEW SERVICES
OUTSIDE TMP-ACCESS
If you are not satisfied with the compensation,
you should initially request a review from
whoever settled your claim. There may perhaps
be some misunderstanding or new circumstances
may have arisen. If you still are unsatisfied the
adjuster shall review your case. In any other
cases there are below options.

The National Board for Consumers
Complaints
The Swedish Consumers’ Insurance Bureau
(Konsumenternas försäkringsbyrå)
The Bureau is run jointly by the insurance
companies, the Swedish Financial Supervisory
Authority (Finansinspektionen) and the Swedish
Consumer Agency (Konsumentverket). The
function of the Bureau is to provide advisory
services and assistance, free of charge, concerning different insurance matters to private individuals (consumers), and to certain persons in
trade and industry.

Address: Box 24215 (Karlavägen 108),
SE-104 51 STOCKHOLM, Sweden,
Telephone: +46 (0) 200-22 58 00.
The Personal Insurance Board
(Personförsäkringsnämnden)

This board will, in its capacity as a consumer
advisory board, provide statements of expert
opinion at the request of the policyholder in disputes between the policyholder and the insurance
company in respect of health-, accident- and life
insurance.

Address: Box 24067 (Karlavägen 108),
SE-104 50 Stockholm, Sweden
Telephone: +46 (0) 8-522 787 20

The Board for Bodily Injury Liability Insurance
Review claims handling questions regarding
compensation due to bodily injury within liability
insurance and other insurance not being motor
insurance.

Address: Box 24067 (Karlavägen 108),
SE-104 50 Stockholm, Sweden,
Telephone +46 (0) 8-522 787 20

The National Board for Consumer
(Allmänna reklamationsnämnden, ARN)
The Board reviews complaints from private
individuals, including matters relating to
insurance. Such reviews are free of charge.

Address: Box 174,
SE-101 23 STOCKHOLM, Sweden
Telephone: +46 (0) 8-508 860 00

Court of law
Even if your case has been reviewed by any of
the aforementioned boards, you may approach a
court of law. Assistance costs connected with a
court hearing can be obtained through:
• State legal aid which can provide a means-test
contribution to litigation costs.
• The majority of homeowner’s comprehensive
policies include a legal expenses clause that the
policyholder can use in case of disputes which
can be referred to a court.