Glossary of Redion Insurance Terms

The assistance and trip-cancellation insurance policies offered by Redion Belgium (annual or temporary travel assistance contracts, or NoGo trip-cancellation cover) contain a lot of technical or insurance-specific terms.
A well-understood assistance contract means a more relaxed trip.
By knowing and understanding the terms used, you'll better understand your cover and feel more confident.

The sole aim of this short glossary is to make it easier for policyholders to understand the cover and clauses involved, without replacing the official definitions.
The explanations below are given for information purposes only. For exact, legally binding definitions, please refer to the General Terms and Conditions of the contracts.

A short glossary of the terminology used by Redion

Bodily injury

Physical injury caused by an external and unforeseen event.

Covered contingencies

A contingency is an unforeseeable event. The covered contingencies are listed as the reasons or unforeseen events covered by the trip-cancellation insurance policy.

Trip cancellation

Being unable to travel for a covered reason (illness, accident, etc.).

Assistance

Help provided in the event of a problem (illness, accident, breakdown, etc.) during your trip.

Mobility assistance

Help in the event of your vehicle breaking down or being involved in an accident.

Psychological support

Support following a traumatic experience during the trip.

Advance payment of costs

Direct payment by the insurer, so you don't have to pay the costs upfront yourself.

Beneficiary

The people named by the policyholder who benefit from the contract's cover. There can be several of them. They're listed in the Specific Terms.

CDW (Collision Damage Waiver)

An option offered by car rental agencies. It limits or removes the renter's financial liability for damage to the rented vehicle. Redion can step in to cover the excess left payable, under the applicable terms.

Calculating the benefit

The method used for reimbursement, based on the value and condition of items (luggage insurance).

Natural disaster

An unforeseeable, large-scale natural event that can prevent you from returning home and force you to extend your stay.
Tip: check your policy's General Terms and Conditions to see which natural disasters are covered.

Replacement driver

Providing a driver if you're no longer able to drive.

Claims

The department in charge of handling (requests for) reimbursement.

Trip compensation

Reimbursement of unused holiday days following an unforeseen event covered by your policy.

Complaints

The department in charge of handling complaints.

Specific Terms

A personalised document showing the beneficiaries' details and the cover taken out. It's given to the policyholder when the contract is taken out.

Cycle assistance

Assistance for bicycles or light mobility devices, included in our annual policies and valid in Belgium.

Waiting period

The waiting period before certain cover becomes active.

Breakdown assistance / Towing

Assistance in the event of a breakdown, accident, theft, flat battery, etc.

The difference between Assistance and Insurance

Assistance steps in during an emergency: breakdown, accident, illness, theft, etc. It organises and takes care of the practical help needed (repatriation, breakdown recovery, accommodation).

Insurance reimburses costs according to the specific conditions set out in the policy taken out.

Exclusions

Situations or events not covered by the policy.

Optional extensions

Cover you can add on top of the base policy (e.g. for business trips, luggage insurance, a higher reimbursement ceiling, etc.).

Medical expenses

Healthcare costs (abroad) covered by the policy (consultations, hospitalisation, etc.).

Excess

The amount you remain responsible for, not reimbursed by the insurer.

Cover

What your policy actually covers.

Immobilisation

An incident that leaves a vehicle unusable.

Redundancy

Loss of employment for economic reasons related to the company.

Illness

A sudden and unforeseeable change or deterioration in health, confirmed by a doctor, requiring medical care. Under trip-cancellation policies, an illness immediately makes it impossible to go ahead with the trip.

Cancellation option

Optional cover that lets you be reimbursed if you have to cancel your trip for a covered reason.

Tour operator / Rental company

The organisations you booked your stay or trip with.

Excluded countries

Countries or regions not covered by the assistance policy.

30-day waiting period (NoGo contract)

A 30-day period after taking out the NoGo contract. During this period, no cancellation cover can be activated, except if the contract is renewed or the trip is booked after this period.
This waiting period doesn't apply if the contract is taken out at the same time as the trip is booked.

Ceiling

The maximum amount covered by the insurer.

Time-barring

The deadline after which a claim for compensation is no longer valid.

Repatriation

An organised return to Belgium in the event of a serious medical or technical problem.

Early return

Returning to Belgium. This early return can be triggered by, among other things, the hospitalisation or death of a close relative, or a claim at your home.

Claim event

The event that triggers the cover (e.g. a hospitalisation).

Policyholder

The person who signs the contract and pays the premium.

Dangerous sports

Sporting activities that put the person practising them at risk. The danger may be due to the conditions in which the sport is practised, the person's lack of experience or knowledge, a lack of professional supervision, or careless or reckless practice.
Dangerous sports are among the exclusions.
See the definition and description given in the contract's exclusions for more detail.

Subrogation

The insurer's right to recover the amounts paid out from a liable third party.

Trip amendment

A change to the dates or conditions of the booked trip.

Relaying urgent messages

Help with sending important messages in an emergency.

Insured vehicle

The vehicle named in the contract, covered by the mobility cover.

Replacement vehicle

A temporary car provided if your vehicle is immobilised.

Replacement vehicle (category B or D)

A temporary car provided if the insured vehicle is immobilised.
Category B corresponds to "city car", "Economy" or "Compact" category with car rental companies.
Category D corresponds to "Standard" or "Premium" category with car rental companies.

Europe zone

The list of European countries covered by the Europe cover of annual contracts. Please note: not all of these countries offer technical cover for your vehicle!

A few frequently asked questions