1. any obligation of you or Travel Companion assume under any agreement (except insurance collision Deductible).
2. rentals of trucks, campers, trailers, off-road or four wheel drive vehicles, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles.
3. any loss which occurs if you or Travel Companion are in violation of the rental agreement.
4. failure to report the loss to the proper local authorities and the rental car company.
5. damage to any other vehicle, structure or person as a result of a covered loss;
6. being under the influence of drugs or intoxicants, unless prescribed by a Physician;
7. riding or driving in any motor competition;
8. declared or undeclared war, or any act of war;
9. any unlawful acts, committed by you or a Traveling Companion (whether insured or not).

ALL CLAIMS: Report your claim as soon as possible to BerkelyCare. Provide the policy number, your travel dates, and details describing the nature of your loss. Upon receipt of this information, BerkelyCare will promptly forward you the appropriate claim form to complete.

Online: www.travelclaim.com

Phone: 1-(877) 846-8834 or 1-(516) 342-2720

Mail: BerkelyCare 300 Jericho Quadrangle, P.O. Box 9022, Jericho, NY 117533

Office Hours: 8:00 am - 10:00 pm ET, Monday - Friday; 9:00 am - 5:00 pm ET, Saturday

IMPORTANT: In order to facilitate prompt claims settlement upon your return, be sure to obtain as applicable: police reports or claims reports from the parties responsible for any loss, theft or damage.

Your Duties In The Event of Rental Car Damage-Related Loss:

1. Take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;
2. Report the loss to the appropriate local authorities and the rental company as soon as possible;
3. Obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;
4. Provide us all documentation such as rental agreement, police report and damage estimate.

This program was designed and administered for Expedia, Inc.’s clients by BerkelyCare^SM

IN CALIFORNIA: BerkelyCare^SM is a service mark of Aon Direct Insurance Administrators, CA Insurance License # 0795465.

IN ALL OTHER STATES: BerkelyCare^SM is a division of Affinity Insurance Services, Inc. in all states other than CA, except: AIS Affinity Insurance Agency, Inc. in MN and OK and AIS Affinity Insurance Agency in NY.

When Coverage Begins
All coverages will take effect on the later of: 1) the date the plan payment has been received by Expedia, Inc.; 2) the date and time you start your Covered Trip; or 3) 12:01 A.M. Standard Time on the Scheduled Departure Date of your Covered Trip.

When Coverage Ends
Your coverage automatically ends on the earlier of:

1. the date the Covered Trip is completed;
2. the Scheduled Return Date;
3. your arrival at the return destination on a round-trip, or the destination on a one-way trip;
4. cancellation of the Covered Trip covered by the plan.

In the certificate, “you”, “your” and “yours” refer to the Insured. “We”, “us” and “our” refer to the company providing the coverage. In addition certain words and phrases are defined as follows:

Actual Cash Value means purchase price less depreciation.

Covered Trip means 1) a period of travel away from Home to a destination outside your city of residence; the purpose of the Trip is business or pleasure and is not to obtain health care or treatment of any kind; the Trip has defined departure and return dates specified when the Insured enrolls; the Trip does not exceed 6 months; travel is primarily by “common carrier” and only incidentally by private conveyance.

Deductible means the amount, which must be incurred by you before benefits are paid under the plan. The Deductible is equal to the amount shown in the Schedule for each person insured.

Exotic Vehicle includes Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, BMW M Series, Bradley, Bricklin, Cosworth, Citroen, Clenet, De Lorean, Excalibre, Ferrari, Fiat, Iso, Jaguar, Jensen Healy, Lamborghini, Lancia, Lotus, Maserati, Morgan, Opel, Pantera, Panther, Pininfarina, Rolls Royce, Rover, Stutz, Sterling, Triumph, TVR, Yugo, Corvette, Mercedes Benz, Porsche, and MG.

Insured means an eligible person who arranges a Covered Trip and pays any required plan payment.

Insurer means Stonebridge Casualty Insurance Company.

Policy means the contract issued to the Policyholder providing the benefits specified herein.

Policyholder means the legal entity in whose name this Policy is issued, as shown on the benefit Schedule.

Repair Facility means a facility, which has been licensed or authorized to make vehicle repairs by the state in which it operates, and which has been approved by us to make repairs on your vehicle.

Schedule means the benefit schedule shown on the Certificate for each Insured.

Scheduled Departure Date means the date on which you are originally scheduled to leave on your Covered Trip.

Scheduled Return Date means the date on which you are originally scheduled to return to the point where the Covered Trip started or to a different final destination.

Scheduled Departure City means the city where the scheduled trip on which you are to participate originates.

Traveling Companion means persons whose name(s) appear(s)with you on the same Trip arrangement and who, during the Trip, will accompany you.

That means that you do not risk your rates going up on your personal auto insurance solely due to filing a claim with them.