Glossary – Insurance terms from A to Z

A caregiver is a person who looks after a minor or dependent relative of the insured person who is travelling with or not travelling with the insured person. The caregiver is considered a risk person in the travel cancellation insurance.

Vehicle assistance is an insurance policy for travelling with your own car within Germany and Europe. It offers protection and support in the event of breakdowns, accidents & theft:

• Assistance at the scene of the damage
• Payment of towing costs
• Delivery of spare parts
• Motor vehicle shipping
• Travel expenses if the trip cannot be continued

With HanseMerkur, vehicle assistance forms part of the car, bus and train

A claim or insured event is when the insured risk occurs and the insurer's obligation to pay benefits is triggered. This can be, for example, an unexpected and serious illness in the case of travel cancellation insurance before the start of the trip, but also the loss of luggage in the case of travel luggage insurance.

In the event of a claim, please refer to the information on our website. There we will also give you tips on what to do in the . We also give you further tips for

Your insurance cover begins as follows:

• Travel cancellation insurance: with conclusion of the insurance policy
• Travel health insurance: when you leave the country (cross the border) in which you have your place of residence
• Other insurance policies: at the start of the journey

The journey is deemed to have begun as soon as you enter the booked and insured means of transport or the booked and insured property.

The insurance confirmation is a confirmation from the insurer that proves the insurance cover and contains all contractual details. This is valid until the policyholder receives his final insurance certificate. For some insurance companies, the confirmation of insurance also counts as the insurance certificate.

The term is the period during which a travel insurance policy is valid. It, therefore, denotes the period of validity. You can find more information on the term on the insurance product pages, in the insurance terms and conditions or in your insurance confirmation.