Impact Multisports covers your whole family for sporting activities throughout the year
Transport / Repatriation
Return of person accompanying the insured
Presence during hospitalisation
Accompaniment of children
Replacement driver
Early return in the event of hospitalisation of a family member
Transport of body
Cost of coffin or urn
Return of insured family members or carer
Assistance in case of incident at home
Advance of bail abroad
Payment of lawyers’ fees abroad
Sending urgent messages
Sending medicines to insured’s location
Complementary refund of medical expenses abroad
Dental emergencies
Medical expenses excess
Advance of hospital costs abroad
Search and rescue
Refund of unused facilities in case of cessation of a sporting activity on medical advice
Excess
Lump sum in the event of death
Lump sum in the event of permanent invalidity
Resulting from a covered sporting activity
Cost of physiotherapy equipment
Rental costs
Hunting dangerous animals, aerial sports, motor sports, skeleton, speleology, single-handed sailing and/or more than 60 nautical miles from the coast;
Consumption of drugs, any narcotic substance mentioned in the Public Health Code, medication and treatment not prescribed by a doctor;
The consequences of traffic accidents caused by the insured when under the influence of alcohol defined as the presence of alcohol in the blood in excess of the maximum level permitted by the regulations in force in the country where the accident occurs ;
The consequences of alcoholic states, intentional acts, fraudulent activity
Conscious failure by the insured to observe the laws and regulations in force in the State or location of the holiday;
Suicide or attempted suicide by the insured, self-harming;
Participation in wagers, crimes, fights (except in the case of legitimate defence);
Damage intentionally caused by the insured, on their instructions or with their complicity or abetment;
Handling or possession of engines of war or weapons including those used for hunting;
Any case of force majeure preventing the fulfilment of the contract, notably bans imposed by local authorities;
Civil of foreign war, riots, popular movements, strikes, acts of terrorism or sabotage;
Accident resulting from any nuclear fuel, radioactive product or waste, any device designed to irradiate or to explode by altering the atomic nucleus as well as their decontamination, whether in the country of departure, stopover or destination ;
Situations involving risk of infection in the context of an epidemic subject to quarantine or preventative or specific surveillance measures on the part of local and/or national health authorities in the country of origin;
An earthquake, volcanic eruption, tidal wave, flood or natural disaster except those covered by the provisions of law N° 86-600 of 13 July 1986 relating to the compensation of victims of natural catastrophes;
Harm constituting environmental damage suffered by such natural elements as the air, water, soil, flora and fauna, usage of which is common to all as well as corresponding aesthetic damage;
Accidents resulting from the practice of sports by the insured as part of an official competition organised by a sporting federation and for which a licence is issued and training is carried out with a view to competing;
Political problem resulting in a risk to personal safety;
Driving any vehicle when you are not in possession of the relative permit, licence or certificate.
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