Services that were not requested during the trip or that were not organised by us, or in agreement with us, do not give rise to any right to reimbursement or compensation after the event.
Meal and hotel expenses, except those specified in the terms and conditions of cover.
Damage caused intentionally by the Beneficiary and damage resulting from their participation in a crime, offence or brawl, except in cases of self-defence.
The amount of any convictions and their consequences.
The use of narcotics or drugs not prescribed by a doctor.
Participation as a competitor in a competitive sport or rally entitling the participant to a national or international ranking organised by a sports federation for which a licence is issued, as well as training for such competitions,
The professional practice of any sport.
Participation in competitions, endurance or speed events and their preparatory trials, aboard any land, water or air vehicle.
The consequences of failure to comply with recognised safety rules relating to the practice of any recreational sporting activity,
Expenses incurred after the return from the trip or the expiry of the cover.
Accidents resulting from your participation, even as an amateur, in the following sports: motor sports (regardless of the motor vehicle used), air sports, high-altitude mountaineering, bobsleigh, hunting dangerous animals, ice hockey, skeleton, combat sports, caving, snow sports involving international, national or regional rankings,
Deliberate failure to comply with the regulations of the country visited or participation in activities not authorised by the local authorities,
Official prohibitions, seizures or constraints by law enforcement authorities,
Use by the Beneficiary of air navigation equipment,
Use of military equipment, explosives and firearms,
Damage resulting from intentional or fraudulent misconduct on the part of the Beneficiary in accordance with Article L.113-1 of the Insurance Code,
Suicide and attempted suicide.
Epidemics and pandemics, pollution, natural disasters.
Civil or foreign war, riots, strikes, popular movements, acts of terrorism, hostage-taking,
The disintegration of the atomic nucleus or any irradiation from a source of energy of a radioactive nature.