It is an event caused by a sudden external, violent and unpredictable cause, beyond the control of the Insured Person and the Beneficiary, which causes bodily injuries that can be clinically and objectively confirmed, permanent invalidity, temporary incapacity or death.
No, except if requested at Subscription and upon payment of an extra premium.
Velocipedes are an exclusion from this cover. However, the Velocipedes Module, which includes Velocipedes Third Party Liability, a much sought-after cover, may be taken out.
Yes, this Insurance is intended for the entire household.
Yes, because the risk is calculated according to the profession of the insured person.
Velocipedes are deemed to be those indicated in the following paragraphs, when used for daily transport or leisure purposes and identified in the Specific Conditions or Individual Certificate:
a) the velocipedes with two or more wheels, driven by the driver himself, by means of pedals or analogous devices, including scooters and skateboards without motor; b) the bicycles with auxiliary motor with a maximum continuous power of 1.0 kW, whose power is progressively reduced with the increase of speed and stopped if it reaches a speed of 25 km/h, or before, if the driver stops pedalling; c) scooters with electric motors and electric motorized, self-balancing and self-propelled riding devices or other similar means of circulation with motor, if they have a maximum continuous power of 0.25 kW and reach a maximum speed of 25 km/h.