Terms and Conditions Travel insurance 2020
This insurance is valid throughout the world during the term of insurance. This includes areas the Ministry for Foreign Affairs advises against travel to. These terms and conditions are valid from 1 January 2020.
Document information
Type of document: Terms and Conditions
Valid from: 01/01/2020
Sender: Insurance Department
Pages in print: 19
4 General terms and conditions
4.1 Other insurance
With the exception of disability and death benefits, the insurance only covers damages/injury or costs if these cannot be covered by another policy.
4.2 Limitations period
The right to compensation expires three years after the date on which the damage/injury was incurred, if the claim has not been received by Kammarkollegiet before then. In the matter of liability cover, the date of the damage/injury is considered to be the date on which a claim is made against the traveller. In other cases, the date of the damage/injury is the date of the incident which is the basis of the insurance claim.
4.3 Reclamation
Where Kammarkollegiet has disbursed compensation in an insurance claim, it assumes the traveller's right in respect of another party that is liable for the damage.
4.4 Register of insurance claims, GSR
The company has the right to use an industry wide register of insurance claims – the ”GSR” - to register loss claims under this policy.