An insurance policy always contains exclusions.
Certain exclusions apply to all insurance cover. This means that they are never covered by your travel insurance, regardless of the cover taken out (medical expenses, repatriation, civil responsibility, etc.).
Exclusions are a matter of common sense and insurers will never cover you in the following circumstances:
- if you acted recklessly or negligently;
- if you were under the influence of alcohol or drugs;
- if your claim is the result of deliberate action on your part (suicide, deliberate offence, brawl, etc.)
Because people may have less road sense when travelling, it is important to note that expenses incurred in connection with a motorcycle or bicycle accident (whether you were the driver or a passenger) will not be covered if you were not wearing a helmet, if the vehicle you were using is larger than 125 cm3 or if you do not have an appropriate permit.
When travelling in France and abroad, don’t forget that you are required by law to wear a helmet (even on a deserted island in Asia where rental companies do not require you to do so).
Extreme and dangerous sporting activities such as the following are not covered:
- mechanical or aerial sports, ski jumping, mountaineering , rock-climbing, climbing, potholing, BASE jumping, speed riding, motocross, skateboarding, extreme skiing, martial arts, etc;
- official competitive sports (that lead to a regional, national or international ranking) or training for a competition;
- record attempts
For more information, here are the sports that are covered by Cap Tempo Expat.
Our competitors also apply these exclusions. Other exclusions may also apply, so please check the general terms of your policy. Our exclusions always appear against a grey background so are easy to identify.
Our advisers are at your disposal to provide details of what your policy does not cover.
This answer only relates to: Cap Tempo Expat.