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Withdrawal policy

Right of withdrawal

You are entitled to withdraw your agreement to the contract within 14 days, without any obligation to state reasons, in text form (e.g. by letter, fax, e-mail).
The period starts with your receipt of the policy, the conditions of the contract including the General Conditions of Insurance, all further information as per Article 7 paras 1 and 2 of the German Insurance Contract Act in conjunction with Articles 1 thru 4 of the VVG Information Obligation Ordinance, and this withdrawal policy in text form, not, however, before the fulfilment of our obligations as per Articles 312e para 1 subpara 1 of the German Civil Code in conjunction with Article 246 (3) of the Implementation Act for the German Civil Code.
The withdrawal period can be safeguarded by sending the declaration of withdrawal in proper time. The declaration of withdrawal must be addressed to:
Klemmer International Versicherungsmakler GmbH
Am Sägbach 3 | D-83674 Gaißach nr. Bad Tölz, Germany
info@klemmer-international.com

Consequences of withdrawal

In the event of valid withdrawal, the insurance cover shall end and we shall – in the case that you have agreed to the insurance cover starting before the expiry of the withdrawal period – reimburse the portion of the premiums still due for the time of the contract following the receipt of the withdrawal. In this case we shall be entitled to withhold that portion of the premium due for the time up to the receipt of the declaration of withdrawal; this shall involve an amount that is calculated as follows:
Daily tariff: Number of days for which there was insurance cover, x agreed daily premium;
Monthly tariff: Number of days for which there was insurance cover, x 1/30 x agreed monthly premium;
in all cases, however, at least EUR 10.00.
Reimbursible premiums shall be returned without delay, at the very latest 30 days after receipt of the declaration of withdrawal. In the case that the insurance cover does not commence before the end of the withdrawal period, the consequence of the valid withdrawal shall be that received benefits must be returned and any financial advantages drawn (e.g. interest) must be ceded.

Special notes

Your right of withdrawal shall expire in the case that the contract, at your express wish, has been completely fulfilled both by you and by us before you have asserted your right of withdrawal.

End of the withdrawal policy

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