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TICKET INSURANCE CONDITIONS
T-TI-20211-LT


PERSONS RELATED TO THE INSURANCE CONTRACT
1.    The insurer is If P&C Insurance AS filialas (hereinafter ‘If’), (registry code 302279548, address T.Narbuto str. 5, 08105 Vilnius).
2.    The policyholder is Nacionalinis bilietų platintojas UAB (registry code 302598528, address Bokšto str. 10-12, 01126 Vilnius), (hereinafter Bilietai.lt).
3.    The parties to the insurance contract are If and the Bilietai.lt.
4.    The insured person and the beneficiary is the ticket holder, whose ticket is covered by the ticket insurance. If the ticket holder transfers the ticket to another person, the ticket insurance shall be automatically transferred to the new ticket holder (new insured person).


VALIDITY OF THE INSURANCE
5.    The insurance cover is valid for the event noted on the ticket (hereinafter ‘event’). The Insurance cover can be added only together with the ticket purchase from the Bilietai.lt.
6.    The insurance cover will start at the moment of issue of the ticket. The insurance cover will end at the starting moment of the event.


COMPENSATION
7.    In case of the insurance event, If will compensate the total cost (incl. fees) noted on the unused ticket, except the insurance cost.
8.    In case of season card or serial ticket, the cost of the unused ticket is calculated by dividing the total cost with the number of events.
9.    The insurance coverage is limited to one ticket per insured person, regardless of the amount of tickets obtained.


INSURANCE EVENTS
10.    Insurance event is the inability of the insured person to attend in the event of the ticket, because of the following reason:
10.1.    death of the insured person or his/her family member occured up to 10 days before event;
10.2 diagnosed not earlier than 5 calendar days before the scheduled date of the event personal accident or sudden and accidental falling ill of the insured person or her/his child up to 12 years of age, requiring constant care and supervision of the insured person;
10.3.    damage, which takes place within 24 hours before the event and is exceeding 2000 euros, to the insured person’s home (house, apartment, home content) in Estonia caused by the fire, explosion, storm, hale, flood, water leaking from the pipes, theft, robbery, damage caused by the third parties, that inevitably requires insured person’s presence at home. The family members of the insured person are not considered to be as third parties;
10.4.    traffic accident of the car, taxi, bus etc on the way to the event;


EXCLUSIONS
11.    If will not pay the compensation if:
11.1.    there is no insurance event;
11.2.    the ticket can not be used because of the intent of the insured person;
11.3.    the insurance event resulted from the use of alcohol or narcotics by the insured person;
11.4.    the insured person misses the event due to the traffic jam, except in case mentioned in p 10.4;
11.5.    the policyholder or insured person presented false data during the claims handling;
11.6.    someone else has compensated the damage, f.g. the producer of the event returns the ticket cost;
11.7.    the ticket has been used to participate in the event;
11.8.    the occasion or circumstances preventing the participation in the event were known to the insured person before the obtaining of the ticket;
11.9.    the event is cancelled, postponed or the insured person’s ticket is cancelled because of the applied limitations or restrictions.


ACTIONS IN CASE OF INSURANCE EVENT
12.    The notice about Insurance event must be presented in the Bilietai.lt home page within 30 days from the insurance event.
13.    The following must be presented with the notice:
13.1.    insured ticket;
13.2.    medical certificate in case of illness or bodily injury, death certificate in case of death;
13.3.    police certificate or photo in case of traffic accident or damage to home.
14.    The additional proof and explanations must be presented upon the request of If.


RESOLUTION OF DISPUTES, SUPERVISION AND APPLICABLE LAW
15.    This insurance contract is governed by the laws of Lithuania.
16.    If the insured has comments or is dissatisfied with If's services, he / she can fill in the feedback form on the website www.if.lt/atsiliepimai, write e-mail to atsiliepimai@if.lt or by post to T. Narbuto str. 5, 08105 Vilnius. You can also apply to the Bank of Lithuania, which deals with disputes between consumers and insurance companies. Contacts of the Bank of Lithuania: ph. 8 800 50 500, el. E-mail info@lb.lt, Gedimino ave. 6, 01103 Vilnius, www.lb.lt
17.    If seeks to resolve any insurance disputes by way of negotiations. If no agreement is reached, the dispute will be settled in court. A claim must be submitted to If before the court is contacted.
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