Purpose and Scope of the Insurance. Article 1 By this contract, in accordance with the law of 21 November 1989 and the following provisions, the company covers the civil liability incurred by the insured following an accident caused in Belgium by the named vehicle. Cover is also provided in the case of a claim which occurs in a country of the European Union, in the principalities of Andorra and Monaco, the Vatican City, Iceland, Croatia, Liechtenstein, Norway, San Marino, Switzerland, Morocco, Tunisia, Turkey, as well as in any country which the King designates pursuant to Article 3, § 1 of the law of 21 November 1989. If the accident occurs outside Belgian territory, the cover provided by the company is as stipulated by the legislation on statutory vehicle insurance of the state on whose territory the claim occurred. The application of such foreign law cannot, however, deprive the insured of the broadest cover granted by Belgian law. In the event the claim occurs on the territory of a country which is not a Member State of the European Union, and for the part of the cover exceeding that imposed by law on statutory insurance of the country in which the claim occurred, the exceptions, nullity and loss of rights applicable to the insured enabling the insurer to refuse indemnification of the insured also result in the insurer’s right to refuse to indemnify the wronged parties who are not nationals of a Member State of the European Union if such exceptions, nullity and loss of rights are caused by a factor which arose prior to the loss. The same exceptions, nullity and loss of rights may, under the same circumstances, result in the entire refusal of cover if the law of the country on whose territory the accident occurs does not stipulate that indemnification cannot be refused. Cover is provided for accidents on public highways or on public or private land.
Purpose and Scope of the Insurance. The purpose of this contract is to indemnify the Insured Person for his justified net loss corresponding to the costs, expenses, irrevocable financial engagements and/or stamps and/or net benefits and/or commission fees and/or sponsoring income and/or subsidies and/or merchandising income he will have sustained if the insured event is cancelled, postponed, abandoned or totally interrupted during the covered period, due to a cause beyond the Insured’s and/or the insured persons’ control. The Insurer shall also cover: - 20 % of the supplementary expenses reasonably and necessarily made by the Insured without the Insurer’s approval, in order to reduce the consequences of a loss, but only in as far as it is clearly evidenced that the loss was actually reduced, - 100 % of the supplementary expenses for remedial action specifically agreed upon with the Insurer as being reasonable expenses in order to attempt to prevent or reduce the consequences of a loss to a minimum. - The penalties laid down by the owners or the managers for failure to vacate the venue. This includes any actions for damages, expenses or compensation resulting from obligations in the context of the rental agreement, that can be evidenced against the Insured by the owners or the management of the venue because of the latter’s failure to vacate the venue upon expiration of the rental period. It is explicitly stipulated that cover is only granted in the cases specified in the schedule, pursuant to the terms and conditions laid down in the special agreements.
Purpose and Scope of the Insurance. The ING Cash Account insurance is linked to an account and can only be taken out once per account. In the event of the accidental death of one of the insured wherever it may occur in the world, ING Insurance guarantees the payment, at the request of ING, to the beneficiaries of an amount as stipu- lated in article 2. Will be considered as an accident: any event that occurs after the insurance’s effective date and that is caused by a sudden and accidental effect of a cause that lies outside the victim’s organism and that happened against his/her will. The insurer shall interpret this concept in accordance with the legal provi- sions governing work-related accidents or accidents on the way to work, where such legislation is applicable. The guarantee shall stand if death occurs within a period of a maximum of 24 months after the accident occurred and if the beneficiaries substantiate that the death can be ascribed directly to the said accident. This period is reduced to 45 days for the persons insured aged 70 and over on the day of the accident. Qualify as accidental death: • death by drowning; • death which occurred when attempting to save some- body’s life or property; • death by inhaling gas or as a result of the absorption of toxic substances. Do not qualify as accidental death: • death following an illness; • death which occurs during and/or following a medical or surgical operation, except that consecutive to an insured accident. Euthanasia Will also be covered by extension of the present contract: death of the insured party through euthanasia administered as a result of a serious or incurable illness that is caused directly by an accident that is covered in the present contract. Death as a result of euthanasia that does not comply with the present conditions is not covered.
