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Unless otherwise stipulated, the Insured is obliged to declare all Losses for which he/she could claim compensation under this contract within 10 days of their occurrence at the latest, except in the case of Theft where the time limit is 5 days. Claims must be reported to AIG:

AIG Service Indemnisation

2AU - Tour CBX

1, Passerelle des Reflets

92400 Courbevoie

E-mail: sinistres.fr@aig.com

In the event of non-compliance with this obligation, the Insurer may, under the French Insurance Code, reduce the compensation in the proportion of the loss that this breach has caused it to suffer, unless the Insured justifies having been unable to file the claim within the time limits set as a result of a fortuitous event or Force majeure.

The Insured will receive a questionnaire to be returned, duly completed, accompanied in particular by supporting documents, the list of which will have been sent to him/her with the questionnaire.

In all cases, the Insured must provide the following documents:

• proof of validity of the Card,
• proof of payment using the Card,
• proof of the quality as an Insured,
• bank account details,
• insurance policy covering the Insured for the same Claim or sworn statement from the Insured specifying that he or she is not insured for this type of Claim, 

and, more generally, any documents that the Insurer considers necessary to assess the merits of the request for compensation.