SPECIAL CONDITIONS No. 7103/092
MULTIINSURANCE MUSICAL INSTRUMENTS “PENTA“
1. PURPOSE AND SCOPE OF INSURANCE
On the basis of the general terms and conditions of this policy that does not contradict with the provisions agreed upon in this annex to special conditions, which prevail over those, the insurer guarantees conditions large objects described in the special conditions of the contract, but not intervene in trials, tours and concerts, during their stay and transport at any place or location within the national territory.
Through the timely notification, prior to the start of the journey, the coverage may be extended to other countries, through the appropriate additional premium.
2. MEANS OF TRANSPORTATION
Insured objects may be transported by any of the following means: motor vehicles, railway, aircraft and ship.
3. TYPE OF COVERAGE: SPACIOUS CONDITIONS
Through this type of coverage, the insurer guarantees the risks of loss or material damage to the property insured by any external cause, except for those that have their origin in any of the exclusions specified below:
3.1 Natural wear and tear, mechanical breakage, own Vice or damage caused by insects, deficiency, defect or failure of cases, bags, boxes or packaging intended for the carriage of instruments, poor maintenance, latent defect, gradual deterioration or depreciation, damage during the repair of the instrument with the exception of those caused by fire or explosion occurred at the place where the service is effected.
3.2. Corrosion, oxidation, atmospheric humidity and temperature influence.
3.3. Theft, misappropriation, hiding, transformation, loss or disappearance without justification, infidelity of the staff of the insurance policyholder or any person to whom it can trust or deposit the secured object-dependent, not being included in the last case the carriers from official agencies.
3.4. Delays, detours, impairments, travel disruptions and loss of market.
3.5.Damage caused by the electricity to the insured instrument, unless it is followed by fire and/or explosion, in which case we only cover loss or direct damage caused by the fire or explosion.
3.6. Broken pipes, electronic valves, lamps and other accessories made entirely or mainly glass.
3.7. Scratches, abrasions and chipping, except when they have their origin in a risk guarantee policy.
3.8. Theft insured objects, where there is no obvious signs of burglary or violence on the doors, windows or other access to the rooms or compartments where they are saved. In addition, also excluded assets deposited in motor vehicles when they remain unoccupied and unattended during:
3.8.1. The day, more than two consecutive hours.
3.8.2. Overnight, i.e. from 22 hours P.M. to 6 A.M. hour
4. APPRAISAL OF DAMAGES
In case of accident and express relationship with electronic musical instruments as well as equipment for sound and lighting, material and accessories, be justified according to the value in the market, in the moment before the accident, taking into account use, utilization, State of conservation that they been. Other similar use and performance characteristics will be taken as basis of assessment if there is no market.
5. COMMUNICATION OF CATASTROPHE
As soon as there is a claim, the insurance policyholder or insured must report this to the competent authorities of the place in which it has occurred, making the same record and making the communication to the insurer within the maximum period of seven days from the date in which it was known.
It makes the implementation of a franchise of 10 %, with a minimum of €30 and a maximum of EUR 180, the resulting amount will be deducted from the compensation that corresponds to each object insured in each accident.