Pre-Contractual Information Document

Purpose of travel (MiTuCasa Tourist)

MiTuCasa Tourist insurance coverage is valid exclusively for trips undertaken for tourist and leisure purposes. All trips undertaken for work, study, professional training, volunteering, missions or any purpose other than tourism are excluded from coverage. The Insured forfeits the right to compensation if the claim occurs during a non-tourist trip.

Advised-against and high-risk countries

The insurance is NOT operative for trips to countries, regions or areas:

• For which the Italian Ministry of Foreign Affairs (Crisis Unit - www.viaggiaresicuri.it) has advised against traveling or staying
• For which competent government authorities have issued do-not-travel advisories
• In a state of declared or de facto war
• Subject to armed conflicts, civil wars, insurrections or uprisings
• With extreme deterioration of public security

Insured's obligation:

Before departure, it is mandatory to consult the www.viaggiaresicuri.it website of the Ministry of Foreign Affairs. Traveling to advised-against destinations results in the immediate forfeiture of all insurance coverage rights, with no obligation to refund the premium paid.

Maximum duration of stay abroad (MiTuCasa Tourist)

MiTuCasa Tourist insurance coverage is valid exclusively for trips and stays abroad not exceeding 30 consecutive days. Any claim occurring after the thirtieth day will not be covered by the policy.

Minimum distance from home (MiTuCasa Tourist)

The MiTuCasa Tourist guarantee applies exclusively to trips taking place more than 100 km from the Insured's place of residence or habitual domicile. Claims occurring within this radius are not covered by the policy.

Continuous stay abroad (MiTuCasa Tourist)

Maximum 30 consecutive days abroad. You are not insured for claims occurring after 30 days.

Age limits

MiTuCasa Insurance: Coverage is available exclusively to persons aged between 21 and 60 years (inclusive) at the time of subscription. The policy terminates automatically at the end of the booked stay, regardless of the age reached during the stay itself.

MiTuCasa Tourist: Coverage is available exclusively to persons aged between 21 and 60 years (inclusive) at the time of subscription. The policy terminates automatically when the Insured reaches their sixty-first birthday.

Subscription restrictions

You cannot subscribe if:

• The trip or stay has already begun
• You want to extend an already insured trip
• You want to increase the limits of an existing policy
• The territorial extension does not cover all destinations

Cash payments

Abroad: Maximum 1,000 in cash for medical expenses. Beyond that: bank transfer, card, or advance from assistance.

In Italy: Italian legal cash limits apply.

Scope: MiTuCasa vacation rentals in Rome and the surrounding province

Medical assistance: Italy, during the stay and travel to/from the property

Obligation to provide truthful, accurate and complete declarations.

False declarations may result in loss of the right to compensation and termination of the insurance policy (Arts. 1892, 1893, 1894 of the Italian Civil Code).

You may not:

• Subscribe to other similar policies to increase coverage limits
• Insure a trip or stay that has already begun
• Extend an already insured trip with another insurer
• Indicate a territorial extension that does not cover all destinations

Destination verification:

• Mandatory consultation of the Viaggiare Sicuri portal of the Ministry of Foreign Affairs (www.viaggiaresicuri.it) before each trip
• Do not travel to destinations for which a travel advisory has been issued
• Check for updates also during the stay in case of any new risk situations

Before each trip you are REQUIRED to:

1. Consult the Foreign Ministry of your country for travel advisories
2. Search for news on events in the last 12 months (protests, riots, coups, terrorism)
3. Verify that there have been no serious events that make the destination high-risk
4. Use common sense: if the area is notoriously dangerous - do NOT travel

Traveling to areas with known risks = total forfeiture of the right to compensation. See the "Destination Risk Assessment" section for full details.

Obligation to notify changes that increase the risk. Failure to do so may result in loss of the right to compensation (Art. 1898 of the Italian Civil Code).

You must:

• Notify in writing of the existence of other insurance policies (Art. 1910 of the Italian Civil Code)
• Comply with claim reporting deadlines
• Contact assistance before incurring expenses (except where impossible)
• Retain all documentation

Reporting deadlines:

• Assistance: Immediate contact at +39 378 066 4855
• Reimbursements: Within 10 days from end of stay/trip
• Theft/Robbery: Report to authorities within 24 hours

You may cancel within 60 days of payment or rejection of a claim, with 30 days' notice. Refund of the unused portion of the premium (net of taxes).

MiTuCasa may also cancel with the same notice period.

Procedure:

• The policy may be cancelled after at least one month from the activation date
• The Insured is required to pay at least two monthly installments (activation month + one subsequent month)
• 30 days' notice before the end of the second month
• Notification by email to [email protected]
• No penalty after the mandatory minimum period

Example: policy activated on January 1st, cancellation possible from March 1st with notice by January 31st.

Submit complaints regarding the contractual relationship or claims handling to:

MiTuCasa - Complaints Office

• Post: Via Example 123, 00100 Roma (RM)
• Email: [email protected]

MiTuCasa will respond within 45 days of receipt.

If unsatisfied or without a response within 45 days, you may contact:

IVASS - Consumer Protection Service
Via del Quirinale, 21 - 00187 Roma
PEC: [email protected]

In your complaint include:

• Name, surname, address and contact details
• The party you are complaining about
• Description of the reason for the complaint
• Copy of the complaint sent to MiTuCasa and any response received
• Supporting documents

Form available at www.ivass.it

Before resorting to the Courts:

Mediation:
Contact an Accredited Mediation Body (list available at www.giustizia.it - Law 98/2013)

Assisted negotiation:
Via a formal request by your attorney to MiTuCasa

Cross-border disputes:
You may activate the foreign system via FIN-NET at finance.ec.europa.eu

IRPEF (personal income tax) deduction:

For the sole case of death and/or permanent disability of not less than 5%, the portion of premium actually paid is deductible from gross tax at a rate of 19%, if not already deducted (letter f, paragraph I, Art. 15 TUIR).

Premium tax rates: