Cancellation Insurance – Terms and Conditions
The insurance is a voluntary group insurance, covered by the insurance terms below. Nortic AB (Nortic), as the group representative, has entered into a group agreement with the insurer W. R. Berkley Insurance AG, Swedish Branch (org. no 516410-2070), a branch of W.R. Berkley Europe AG. Through the group agreement, all of Nortic's customers are group members and can choose to take out insurance according to these insurance terms.
1. Conditions for the insurance to be valid
The insurance must be taken out in direct connection with the booking of a ticket or event.
The person taking out the insurance (policyholder) must be at least 18 years old.
Policyholders and co-insured persons must be permanently resident within the EU at the time the insurance is taken out.
2. Who the insurance applies to
The insurance applies to the policyholder and the co-insured persons included in the booking and specified in the booking confirmation.
3. When the insurance applies
The cancellation insurance takes effect the day after the premium for the cancellation insurance has been paid. The insurance can be taken out for events starting within 12 months from the booking date.
The cancellation insurance ceases to be valid once the event starts.
4. What the insurance covers
The cancellation insurance reimburses prepaid costs for tickets/events due to an accident, acute illness, or death affecting the policyholder, any of the co-insured persons, or a close relative.
The cancellation insurance can also reimburse prepaid costs for tickets/events due to fire, flooding, or burglary at home, or a pet suffering from serious illness, which affects the policyholder or any of the co-insured persons and for this reason cannot reasonably participate in the event.
5. Exceptions and limitations
The cancellation insurance does not pay compensation:
If compensation can be obtained from another source according to general cancellation regulations, law, regulation, convention, guarantee, insurance, or damages.
for events canceled/postponed by the organizer or artist, or when an event is moved
in case of strike, bankruptcy, or government intervention
in cases of illness, ailment, or accident and the consequences thereof, or another event, which was known, announced, or had occurred before the insurance was taken out
in cases of illness or accident related to the use of alcohol, other intoxicants, sleeping pills, or narcotic substances
if the reason for the cancellation is a pandemic
for an event that the insured or co-insured or a close relative intentionally inflicted or incurred
in cases of incorrect purchase or purchase of duplicate tickets
in cases of separation or disagreement
in cases of bad weather
if the documents required to assess the insured's claim cannot be provided • for costs incurred in connection with booking/cancellation, such as service fees, options (e.g., the premium for this insurance), or travel expenses, or for medical visits, medical certificates, medical records, and similar
for season tickets or annual passes
6. Claim notification
Claims should be reported to Nortic as soon as possible, but no later than before the start of the event. Report is made via Nortic's cancellation form available on the website's Helpcenter. For questions, contact Nortic via the same Helpcenter. https://nortic.se/helpcenter
The following documents must be attached to the claim:
documentation showing cancellation costs for the arrangement
certificates confirming the date and reason for the cancellation, such as a medical certificate, police report, or similar.
The certificate issuer must have been contacted before the arrangement was supposed to start.
The decided compensation is paid to the policyholder.
7. Maximum compensation amount
The maximum compensation corresponds to the total amount for the booked event, but a maximum of 5,000 SEK per event.
8. Deductible
The insurance applies without a deductible.
9. Participation in claims adjustment
You must, to the extent possible, assist in resolving the incident as soon as possible. In particular, you must provide information and details that may be relevant to the claims adjustment. You must specifically answer the questions posed by the claims adjuster. If the insurer suffers damage due to your non-cooperation, your compensation will be reduced according to what is considered reasonable under the circumstances.
10. Incorrect information in connection with the claim
If you or anyone else requesting compensation after damage has, with intent or through gross negligence, incorrectly reported, concealed, or hidden anything of importance for assessing the right to compensation under this insurance, compensation can be reduced or completely withheld.
11. Double insurance
The insurance does not cover costs or compensation that has already been settled by another insurance company or credit card company. However, each insurance company is responsible to you as if the insurance company alone was responsible for the damage.
12. Force majeure
The cancellation insurance does not apply for cancellations in connection with nuclear processes, nuclear reactions, war, warlike events, civil war, revolution, acts of terror, epidemics, pandemics, rioting, or uprising. The insurance also does not cover cancellations resulting from government decisions.
13. Insurer
The insurer is W. R. Berkley Insurance AG, Swedish Branch (org. no 516410-2070), a branch of W.R. Berkley Europe AG.
W. R. Berkley Insurance AG, Swedish Branch
Birger Jarlsgatan 22
114 34, Stockholm
Tel: 08-410 337 00, email: berkley.sverige@wrberkley.com
14. Insurance Contracts Act
In addition to the insurance terms, the rules of the Insurance Contracts Act (SFS 2005:104) also apply.
15. If we do not agree
First – contact us at Nortic AB
If you are not satisfied with the decision in a case, you can always have the decision reviewed by first contacting Nortic AB to clarify any potential misunderstanding. You can also write to the complaints officer at the insurer's address
klagomalsansvarig@wrberkley.com and describe your case and request a review.
The National Board for Consumer Disputes (ARN)
If you have had your case reviewed and are still not satisfied, you have the option to contact the National Board for Consumer Disputes, which reviews complaints from private individuals free of charge.
Box 174, 101 23 Stockholm
Tel: 08-508 860 00
General court
An insurance dispute can, in most cases, also be tried by a general court.
The Swedish Consumers' Insurance Bureau
The Swedish Consumers' Insurance Bureau provides private individuals with independent and free guidance on pensions, insurance, and claims adjustment but does not resolve individual disputes.
Box 24215, 104 51 Stockholm
Tel: 0200-22 58 00
16. Personal data
Personal data is processed by both Nortic AB and Berkley, in accordance with the information on personal data processing provided by each company on its website (see nortic.se and berkleyforsakring.se). Contact us if you want the information sent to you.
17. Definitions
Acute illness and accidents
A sudden and unexpected significant deterioration of the existing health condition.
Policyholder
The person who has booked and paid for tickets/events and paid the premium for cancellation insurance in Nortic's booking system.
Doctor
The attending physician who must be licensed, qualified, and impartial.
Co-insured
Other ticket holders included in the policyholder's booking and specified in the booking confirmation.
Close relative
Spouse, partner, registered partner, children, stepchildren, foster children, siblings, parents, stepparents, grandparents, parents-in-law, grandchildren, son-in-law, daughter-in-law, brother-in-law, and sister-in-law. The parents and siblings of cohabitants and registered partners are considered equivalent to parents-in-law, brother-in-law, and sister-in-law in these terms.
Group agreement
The agreement between the insurer and the group representative regulating the insurance cover that group members can apply for. A valid group agreement is a prerequisite for the possibility of entering into individual insurance agreements according to these insurance terms.
Group representative
The party that has entered into the group agreement with the insurer, i.e., Nortic AB.