ADAR+, a complete package of insurance cover to take the worry out of your holidays

Several people are going on the trip. Do we have to take out insurance for each person or for the rented accommodation?
Cabinet ALBINET : You take out insurance on the rented accommodation; you have to list the participants on the application form. Therefore, you only pay one single premium for all the participants.

Several families are expected to go on the trip. What happens if one of them cancels?
Cabinet ALBINET : The holiday rental is not cancelled and we will refund the amount paid by the absent family in proportion to the number of participants, therefore the other families will be still be able to enjoy the holiday.

Am I covered if I break the lounge table?
Cabinet ALBINET : Yes, within the limits of the cover (see table of cover), but you must pay the deductible, the amount of which is indicated in this table.

In the event of a cancellation, will my deposit be refunded?
Cabinet ALBINET : Yes, if a deposit was paid to the owner.

And what about if I have paid the whole rent?
Cabinet ALBINET : We will also refund the whole rent.

Does the insurance cover personal belongings?
Cabinet ALBINET : No. If you have valuables (jewellery, watches) and would like to insure them, contact your insurance company to take out comprehensive jewellery insurance covering the required region. This also applies to nomadic devices (laptops, smartphones, etc.)

What exactly is the ten-day period to take out the insurance?
Cabinet ALBINET : You must take out the insurance policy NO LATER THAN 10 DAYS AFTER paying the deposit and/or signing the rental agreement and at least 96 hours before the start of the rental period. After this period, only third-party liability will be covered.

If I am made redundant for economic reasons, am I covered in the event of cancellation?
Cabinet ALBINET : Yes.

Am I covered if I leave the tap on and cause a flood?
Cabinet ALBINET : Yes. You will be held responsible. The insurance company will pay for the damage caused in the rented accommodation, with a ceiling limit for damage due to water, fire and explosion of €1,500,000.

If my mother has to go to hospital when I am about to go on holidays, can I cancel the rental?
Cabinet ALBINET : Yes. The policy covers ascendants and descendants of the first degree, as well as son-in-laws, daughter-in-laws, brothers and sisters.

In the event of a natural disaster, like the eruption of a volcano, am I covered if I cancel the rental?
Cabinet ALBINET : No. Cancellations due to weather events related to the restriction or prohibition of air traffic are not covered by the policy.

If I rent several properties, can all the rented properties be included in the same policy?
Cabinet ALBINET : No. A policy has to be taken out for each rental.

If I don't have a hard copy of the rental agreement, will the insurance policy apply?
Cabinet ALBINET : It is compulsory to have a hard copy for rentals in France. This is not always the case for rentals abroad. For rentals in France, even if you do not have a written document, the agreements exchanged concerning the amount of rent, the type of property and the rental period are equivalent to a contract. Caution: under no circumstances can cash payments be allowed.

What happens if the holiday home was supposed to be 100 metres from the beach but in fact was at least 1 kilometre away?
Cabinet ALBINET : You should not take possession of the holiday rental for this reason and we shall refund your rent. We shall contact the owner and deal with the matter. We shall also pay for you to stay one night in a hotel.

I go to the indicated address of the holiday rental but find that there is no such address. There is nothing to rent and the houses in the area are occupied principal residences. Am I covered in the event of a cancellation?
Cabinet ALBINET : Yes. We shall refund the amount of rent you have paid. We shall also pay for you to stay one night in a hotel within the limit indicated in the cover table.

In case of an epidemic ; Am I covered in the event of cancellation?
Cabinet ALBINET : No. We are responding to your holiday stay refund claim relating to the travel and/or confinement restrictions and/or closure of neighbouring sites. These unprecedented events are neither insurable nor insured. We are therefore unable to act. The exceptional scale of the disruption which results from the prohibition, restriction and confinement measures taken by the public authorities are such as to justify a request for a postponement of the rental dates or termination of the said contract.