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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. ","text",{"type":300,"attrs":307,"content":308},{"textAlign":297},[309],{"text":310,"type":305,"marks":311},"1. 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Claim notification ",[493,495],{"type":313,"attrs":494},{"color":315},{"type":317},{"type":300,"attrs":497,"content":498},{"textAlign":297},[499,501,507],{"text":500,"type":305},"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. ",{"text":502,"type":305,"marks":503},"https://nortic.se/helpcenter",[504],{"type":505,"attrs":506},"link",{"href":502,"uuid":297,"anchor":297,"target":297,"linktype":28},{"text":508,"type":305},"  ",{"type":300,"attrs":510,"content":511},{"textAlign":297},[512],{"text":513,"type":305},"The following documents must be attached to the claim: ",{"type":300,"attrs":515,"content":516},{"textAlign":297},[517],{"text":518,"type":305},"documentation showing cancellation costs for the arrangement ",{"type":300,"attrs":520,"content":521},{"textAlign":297},[522],{"text":523,"type":305},"certificates confirming the date and reason for the cancellation, such as a medical certificate, police report, or similar. ",{"type":300,"attrs":525,"content":526},{"textAlign":297},[527],{"text":528,"type":305},"The certificate issuer must have been contacted before the arrangement was supposed to start. ",{"type":300,"attrs":530,"content":531},{"textAlign":297},[532],{"text":533,"type":305},"The decided compensation is paid to the policyholder. ",{"type":300,"attrs":535,"content":536},{"textAlign":297},[537],{"text":538,"type":305,"marks":539},"7. Maximum compensation amount ",[540,542],{"type":313,"attrs":541},{"color":315},{"type":317},{"type":300,"attrs":544,"content":545},{"textAlign":297},[546],{"text":547,"type":305},"The maximum compensation corresponds to the total amount for the booked event, but a maximum of 5,000 SEK per event.  ",{"type":300,"attrs":549,"content":550},{"textAlign":297},[551],{"text":552,"type":305,"marks":553},"8. Deductible ",[554,556],{"type":313,"attrs":555},{"color":315},{"type":317},{"type":300,"attrs":558,"content":559},{"textAlign":297},[560],{"text":561,"type":305},"The insurance applies without a deductible.  ",{"type":300,"attrs":563,"content":564},{"textAlign":297},[565],{"text":566,"type":305,"marks":567},"9. Participation in claims adjustment ",[568,570],{"type":313,"attrs":569},{"color":315},{"type":317},{"type":300,"attrs":572,"content":573},{"textAlign":297},[574],{"text":575,"type":305},"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. ",{"type":300,"attrs":577,"content":578},{"textAlign":297},[579],{"text":580,"type":305,"marks":581},"10. Incorrect information in connection with the claim  ",[582,584],{"type":313,"attrs":583},{"color":315},{"type":317},{"type":300,"attrs":586,"content":587},{"textAlign":297},[588],{"text":589,"type":305},"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.  ",{"type":300,"attrs":591,"content":592},{"textAlign":297},[593],{"text":594,"type":305,"marks":595},"11. Double insurance ",[596,598],{"type":313,"attrs":597},{"color":315},{"type":317},{"type":300,"attrs":600,"content":601},{"textAlign":297},[602],{"text":603,"type":305},"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.  ",{"type":300,"attrs":605,"content":606},{"textAlign":297},[607],{"text":608,"type":305,"marks":609},"12. Force majeure ",[610,612],{"type":313,"attrs":611},{"color":315},{"type":317},{"type":300,"attrs":614,"content":615},{"textAlign":297},[616],{"text":617,"type":305},"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. ",{"type":300,"attrs":619,"content":620},{"textAlign":297},[621],{"text":622,"type":305,"marks":623},"13. Insurer ",[624,626],{"type":313,"attrs":625},{"color":315},{"type":317},{"type":300,"attrs":628,"content":629},{"textAlign":297},[630],{"text":631,"type":305},"The insurer is W. R. Berkley Insurance AG, Swedish Branch (org. no 516410-2070), a branch of W.R. Berkley Europe AG. ",{"type":300,"attrs":633,"content":634},{"textAlign":297},[635],{"text":636,"type":305},"W. R. Berkley Insurance AG, Swedish Branch ",{"type":300,"attrs":638,"content":639},{"textAlign":297},[640],{"text":641,"type":305},"Birger Jarlsgatan 22 ",{"type":300,"attrs":643,"content":644},{"textAlign":297},[645],{"text":646,"type":305},"114 34, Stockholm ",{"type":300,"attrs":648,"content":649},{"textAlign":297},[650,652,658],{"text":651,"type":305},"Tel: 08-410 337 00, email: ",{"text":653,"type":305,"marks":654},"berkley.sverige@wrberkley.com",[655],{"type":505,"attrs":656},{"href":657,"uuid":297,"anchor":297,"target":297,"linktype":28},"mailto:berkley.sverige@wrberkley.com",{"text":659,"type":305}," ",{"type":300,"attrs":661,"content":662},{"textAlign":297},[663],{"text":664,"type":305,"marks":665},"14. Insurance Contracts Act ",[666,668],{"type":313,"attrs":667},{"color":315},{"type":317},{"type":300,"attrs":670,"content":671},{"textAlign":297},[672],{"text":673,"type":305},"In addition to the insurance terms, the rules of the Insurance Contracts Act (SFS 2005:104) also apply. ",{"type":300,"attrs":675,"content":676},{"textAlign":297},[677],{"text":678,"type":305,"marks":679},"15. If we do not agree ",[680,682],{"type":313,"attrs":681},{"color":315},{"type":317},{"type":300,"attrs":684,"content":685},{"textAlign":297},[686],{"text":687,"type":305,"marks":688},"First – contact us at Nortic AB ",[689],{"type":690},"underline",{"type":300,"attrs":692,"content":693},{"textAlign":297},[694],{"text":695,"type":305},"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  ",{"type":300,"attrs":697,"content":698},{"textAlign":297},[699,705],{"text":700,"type":305,"marks":701},"klagomalsansvarig@wrberkley.com",[702],{"type":505,"attrs":703},{"href":704,"uuid":297,"anchor":297,"target":297,"linktype":28},"mailto:klagomalsansvarig@wrberkley.com",{"text":706,"type":305}," and describe your case and request a review. ",{"type":300,"attrs":708,"content":709},{"textAlign":297},[710],{"text":711,"type":305,"marks":712},"The National Board for Consumer Disputes (ARN) ",[713],{"type":690},{"type":300,"attrs":715,"content":716},{"textAlign":297},[717],{"text":718,"type":305},"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. ",{"type":300,"attrs":720,"content":721},{"textAlign":297},[722],{"text":723,"type":305},"Box 174, 101 23 Stockholm ",{"type":300,"attrs":725,"content":726},{"textAlign":297},[727],{"text":728,"type":305},"Tel: 08-508 860 00 ",{"type":300,"attrs":730,"content":731},{"textAlign":297},[732,738],{"text":733,"type":305,"marks":734},"www.arn.se",[735],{"type":505,"attrs":736},{"href":737,"uuid":297,"anchor":297,"target":297,"linktype":28},"http://www.arn.se",{"text":508,"type":305},{"type":300,"attrs":740,"content":741},{"textAlign":297},[742],{"text":743,"type":305,"marks":744},"General court",[745],{"type":690},{"type":300,"attrs":747,"content":748},{"textAlign":297},[749],{"text":750,"type":305},"An insurance dispute can, in most cases, also be tried by a general court.",{"type":300,"attrs":752,"content":753},{"textAlign":297},[754],{"text":755,"type":305},"The Swedish Consumers' Insurance Bureau ",{"type":300,"attrs":757,"content":758},{"textAlign":297},[759],{"text":760,"type":305},"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. ",{"type":300,"attrs":762,"content":763},{"textAlign":297},[764],{"text":765,"type":305},"Box 24215, 104 51 Stockholm ",{"type":300,"attrs":767,"content":768},{"textAlign":297},[769],{"text":770,"type":305},"Tel: 0200-22 58 00 ",{"type":300,"attrs":772,"content":773},{"textAlign":297},[774,780],{"text":775,"type":305,"marks":776},"www.konsumenternas.se",[777],{"type":505,"attrs":778},{"href":779,"uuid":297,"anchor":297,"target":297,"linktype":28},"http://www.konsumenternas.se",{"text":659,"type":305},{"type":300,"attrs":782,"content":783},{"textAlign":297},[784],{"text":785,"type":305,"marks":786},"16. Personal data ",[787,789],{"type":313,"attrs":788},{"color":315},{"type":317},{"type":300,"attrs":791,"content":792},{"textAlign":297},[793],{"text":794,"type":305},"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. ",{"type":300,"attrs":796,"content":797},{"textAlign":297},[798],{"text":799,"type":305,"marks":800},"17. Definitions ",[801],{"type":317},{"type":300,"attrs":803,"content":804},{"textAlign":297},[805],{"text":806,"type":305,"marks":807},"Acute illness and accidents ",[808],{"type":809},"italic",{"type":300,"attrs":811,"content":812},{"textAlign":297},[813],{"text":814,"type":305},"A sudden and unexpected significant deterioration of the existing health condition.  ",{"type":300,"attrs":816,"content":817},{"textAlign":297},[818],{"text":819,"type":305,"marks":820},"Policyholder ",[821],{"type":809},{"type":300,"attrs":823,"content":824},{"textAlign":297},[825],{"text":826,"type":305},"The person who has booked and paid for tickets/events and paid the premium for cancellation insurance in Nortic's booking system. ",{"type":300,"attrs":828,"content":829},{"textAlign":297},[830],{"text":831,"type":305,"marks":832},"Doctor ",[833],{"type":809},{"type":300,"attrs":835,"content":836},{"textAlign":297},[837],{"text":838,"type":305},"The attending physician who must be licensed, qualified, and impartial. ",{"type":300,"attrs":840,"content":841},{"textAlign":297},[842],{"text":843,"type":305,"marks":844},"Co-insured ",[845],{"type":809},{"type":300,"attrs":847,"content":848},{"textAlign":297},[849],{"text":850,"type":305},"Other ticket holders included in the policyholder's booking and specified in the booking confirmation. ",{"type":300,"attrs":852,"content":853},{"textAlign":297},[854],{"text":855,"type":305,"marks":856},"Close relative ",[857],{"type":809},{"type":300,"attrs":859,"content":860},{"textAlign":297},[861],{"text":862,"type":305},"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. ",{"type":300,"attrs":864,"content":865},{"textAlign":297},[866],{"text":867,"type":305,"marks":868},"Group agreement ",[869],{"type":809},{"type":300,"attrs":871,"content":872},{"textAlign":297},[873],{"text":874,"type":305},"The agreement between the insurer and the group representative regulating the insurance cover that group members can apply for. 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