Cancellation policy
You may cancel 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 in accordance with Section 7 (1) and (2) of the Insurance Contract Act in conjunction with Sections 1 to 4 of the VVG Information Duties Ordinance and this instruction in text form in each case, but not before we have fulfilled our obligations in accordance with Section 312 g (1) sentence 1 of the German Civil Code in conjunction with Article 246 Section 3 of the Introductory Act to the German Civil Code. The timely dispatch of the revocation is sufficient to comply with the revocation period. The revocation must 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 shall end and we shall refund to you the part of the premium attributable to the period after receipt of the revocation if you have agreed that the insurance cover shall commence 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 refunded immediately, at the latest 30 days after receipt of the revocation. If the insurance cover does not commence before the end of the revocation period, the effective revocation shall result in the return of benefits received and the surrender of benefits derived (e.g. interest).

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