Many daring holiday makers wrongly assume that they are covered by their standard travel insurance later to discover - more often than not when it is too late that hazardous pursuits were excluded within the small print.

Domicile: The usual place of living
Beneficiaries: Any person having a valid individual, family or Group Multisports Card Territory : World-wide
Duration of the guarantee: One year from the issuing date for annual Card, or period stated on the Multisports Card up to 12 months.
Scope of cover: Bodily accidents occurring in the practice of a sport

1. Civil liability
All financial liabilities resulting of accidents to third parties caused by yourself, the animals or objects being under your control are guaranteed during the duration of your coverage.
The maximum indemnification for any event borne by the Insurer will not exceed " € 762.245 for bodily damages, i.e. any corporal injury sustained by a person " € 76.224 for material or insubstantial damages, i.e. for accidental deterioration or destruction of material goods or of an animal and for any financial prejudice resulting from the loss of possession of a right.
A € 76 excess will be deducted from the amount of indemnification.

2.Curtailment
If following an accident or a serious illness the beneficiary has to suspend his stay and if a repatriation of the beneficiary is being organised or oblige him/her to stay in his/her room, then the Insurer will reimburse any non-used pass or lessons and rented equipment, prorata temporis, with a maximum of € 305.

B - Assistance guarantee

1. Medical transportation or repatriation
In case of accident or illness, the Assistance Company upon medical advice will organise and pay for the medical transportation of the sick or injured beneficiary to a hospital best equipped or specialised. According to the seriousness of the case, this transportation will be done by
o first class train or sleeping car,
o road ambulance, schedule airlines,
o medical plane.
According to the state of the patient, the Assistance Company will organise and pay for somebody of the party to accompany him/her.
Should the patient stay more than 7 days in the local hospital and if nobody can stay with him/her, then the Assistance Company will pay for a round trip ticket to somebody designated by the patient in order to stay with him/her.
When the patient is declared fit to travel, the Assistance Company will organise and pay for his/her return as well as the return of the person who stayed with him. In case of accident occurred to an insured with permanent residence outside Europe, the Assistance Company, after medical advice, organises and covers the transportation of the injured insured to the nearest hospital from the place of accident or more specialised or best equipped.

2.Return of travel companions
If the members of the party travelling with the patient and covered by the policy are not able to come back with the original means of transportation, the Assistance Company will organise and pay for their return back to their domicile.

3. Research expenses
If the beneficiary is reported missing or in case of bodily injury, the Insurer will cover up to € 30.490 per event, whatever the number of persons involved, the research and rescue expenses (including the usage of a helicopter) organised by civil or military rescuers or by a public or private specialised organisation.

4 .Emergency medical expenses
The Assistance Company will pay up to € 762 per person per trip in emergency medical expenses (medical fees and medicine ordered by a Doctor), following an illness or an accident of the Insured outside his/her country of origin. While subscribing the insurance policy, the insured can chose the limit of € 4.573 for emergency medical expenses with a € 76 deductible.

5. Transportation of mortal remains
The Assistance Company will organise and pay for the transport of the mortal remains of the beneficiary to the place of burial near his/her domicile, and for subsidiary expenses linked to the transport. Funeral expenses will be paid up to € 1.525 T.T.C. The Assistance Company will eventually pay for the return of the members of the family covered by the same policy.

6. Legal assistance
The Assistance Company will pay up to € 1.525 for legal fees of a lawyer should the beneficiary needs him if a legal action is brought against him. The facts for which the beneficiary will have to respond should not be subject to penal sanction from local authorities.
This guarantee will not cover any facts in relation with professional activity nor the custody of an automobile.

7. Advance of bail bond
Should the beneficiary be subject to the payment of a penal bail bond by local authorities, then the Assistance Company will advance the amount up to € 7.622 This amount will have to be reimbursed within one month following the invoice of the Assistance Company.

This policy shall not cover any damage or accident caused by one of the following events:
" Usage of drugs, narcotics or medicine not ordered by a doctor,
" Alcoholic state, intentional acts, non-respect of official prohibition
" Suicide or attempt to suicide, self-inflicted injury,
" Handling or maintaining war engines, arms including those used for hunting,
" Participation to bettings, crimes, fights (except in case of self defence),
" Any act of God by making impossible the fulfilment of this policy, and specially prohibition decided by local, national or international authorities,
" Civil or foreign wars, riots strikes, acts of terrorism or sabotage,
" any radioactive manifestation,
" Accidents resulting from the professional or paid practice of official competition organised by a Sport federation and for which a licence is requested, any training for these competition, and Civil Liability linked to these activities,
" Mountain climbing (over 6.000 meters), bobsleigh, dangerous animal hunting, flying sport (unless the appropriate additional premium bas been paid), skeleton, caving.
" This insurance does not cover damages and accidents occurred while practising a sport where a compulsory licence or insurance or permit (hunting, motor sport, etc) and is subject to the law in force while subscribing.
" The amateur participation to a "nature- adventure" raid is submitted to the prior approval of the Assistance company.
" Journeys abroad exceeding 3 consecutive months are excluded of the guarantees.

You must notify if there is more than one insurer covering the same class of risks as the present contract. When several insurances are taken out with no fraudulent purpose, each one shall be effective within the extend of the guarantee and in respect of the provisions of the French insurance "Code" (Art. L121.4).
In case of total or partial compensation, the Insurer is automatically surrogated for the rights and actions of the Insured on the portion of the compensated sums.

Any action resulting from the present agreement will be prescribed within two years after the event.

To ask for assistance
In case of need, the beneficiary should contact the assistance Alarm Centre of CORIS, before taking any action. Only the CORIS centre is entitled to organise the services.
" You can contact the CORIS Alarm Centre 24 hours a day
by telephone : (33) 01.53.05.30.56 - by fax : (33) 01.42.66.26.90
For any reimbursement, you should contact immediately
CICP Compagnie Internationale de Courtage et de Participations
8, rue Auber - 75009 PARIS
within five days. Should this delay be expired, your rights to indemnification could be rescinded if this delay caused a prejudice to the Insurance Company. Add to your declaration all acts, invoices, certificates in order to establish the materiality of the event for which you are covered.
"The guarantees offered by Carte Multisports are underwritten by some Underwriters of the LLOYD'S of LONDON. This association of Insurers with special statutes governed in France is ruled by the French Insurances Code, controlled in London by "H.M. Treasury Insurance Directorate", General Agent of the LLOYD'D OF LONDON Underwriter for their operations in France and in Monaco:
4, rue des petits Pères 75002 Paris.