The list of all insured reasons for cancellation can be found in insurance terms and conditions. The most important reasons are:
- unexpectedly occurring serious illness, serious health consequences resulting from an accident or death of the insured person or family members. Family members shall be the spouse (or registered life partner or live-in partner in a joint household), the children (stepchildren, children-in-law, grandchildren, foster children, adopted children), the parents (step parents, parents-in-law, grandparents, foster parents, adopted parents), the siblings, stepsiblings and brothers-in-law and sisters-in-law of the insured person; in the case of registered life partner or live-in partner in a joint household also their children, parents and siblings.
- serious damage to your property at the place of residence as a result of act of God or criminal act of a third party
- loss of job without fault, as a result of notice of termination issued by the employer
- unexpectedly occurring serious illness, or serious physical injury caused by an accident, of a dog, cat or horse (pets) whose permanent owner is the insured, making your presence absolutely necessary
- neighbourly assistance by the insured in the event of a disaster
Who is authorised to cancel?
If an insured event occurs (e.g. a person falling sick), the following insured co-travellers can also cancel:
- family members of the insured person affected; Family members shall be the spouse (or registered life partner or live-in partner in a joint household), the children (stepchildren, children-in-law, grandchildren, foster children, adopted children), the parents (step parents, parents-in-law, grandparents, foster parents, adopted parents), the siblings, stepsiblings and brothers-in-law and sisters-in-law of the insured person; in the case of registered life partner or live-in partner in a joint household also their children, parents and siblings.
- a maximum of six further persons per insured event.