Cancellation policy

You can revoke your contractual declaration in text form (e.g. letter, fax, e-mail) within 14 days without stating reasons. The period begins after you have received the insurance policy, the contractual provisions including the general terms and conditions of insurance, the further information pursuant to § 7 (1) and (2) of the German Insurance Contract Act in conjunction with §§ 1 to 4 of the German Insurance Contract Act Information Duties Ordinance and this instruction, each in text form, but not before we have fulfilled our obligations pursuant to § 312 g (1) sentence 1 of the German Civil Code in conjunction with Article 246 § 3 of the Introductory Act to the German Civil Code
. Timely dispatch of the revocation is sufficient to comply with the revocation period. The revocation is to be sent to: BERNHARD Reiseversicherungsmakler GmbH, Mühlweg 2 b, 82054 Sauerlach or by fax to 0 81 04 / 89 17-53 or by e-mail to info@bernhard-reise.com

Consequences of revocation
In the event of an effective revocation, the insurance cover ends and we will refund the part of the premiums attributable to the period after receipt of the revocation if you have agreed that the insurance cover begins before the end of the revocation period. In this case, we may retain the part of the premium attributable to the period up to receipt of the revocation; this is an amount equal to the number of days on which insurance cover existed multiplied by 1/30 of the monthly premium. Amounts to be repaid will be reimbursed immediately, at the latest 30 days after receipt of the revocation. If the insurance cover does not begin before the end of the revocation period, the effective revocation has the consequence that any benefits received must be returned and any benefits derived (e.g. interest) must be surrendered.

Special information
Your right of revocation expires if the contract has been completely fulfilled by both you and us at your express request before you have exercised your right of revocation. - End of the cancellation policy