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Tropical Storm Eta
November 2nd, 2020

 
Tropical Storm Eta formed Saturday night, October 31, 2020 in the Atlantic. Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage.  For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after October 31, 2020.


Hurricane Zeta
October 27th, 2020

 
Tropical Storm Zeta strengthened into a hurricane Monday afternoon, October 26, 2020 in the Atlantic ocean. The national hurricane center indicates that Zeta made landfall as a hurricane along the coast of the Yucatan Peninsula of Mexico, just north of Tulum on Monday night. Currently, Zeta is about 25 miles north-northeast of Progreso, Mexico and 520 miles south of the mouth of the Mississippi river and is moving toward the northwest near 14 mph, and this general motion is forecast to continue today. Zeta should turn toward the north tonight, and a faster northward to north-northeastward motion is anticipated on Wednesday. On the forecast track, the center of Zeta will move over the central Gulf of Mexico tonight. Zeta is forecast to approach the northern Gulf Coast on Wednesday, make landfall within the hurricane warning area late Wednesday or Wednesday night, and move inland across the southeastern United States early Thursday. Maximum sustained winds are near 65 mph with higher gusts.  Zeta has weakened back into a tropical storm early this morning, but is forecast to re-strengthen while it moves over the southern Gulf of Mexico, and become a hurricane again later today.  Zeta is forecast to be at or near hurricane strength when it reaches the northern Gulf Coast late Wednesday.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage. For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after October 26, 2020.


Tropical Storm Zeta
October 25th, 2020

 
Tropical storm Zeta formed early Sunday morning, October 25, 2020 in the Atlantic ocean. The national hurricane center indicates that Zeta is about 275 miles south-southeast of the western tip of Cuba and 255 miles southeast of Cozumel, Mexico and is currently meandering or nearly stationary, However, a generally northwestward motion is expected over the next couple of days. On the forecast track, the center of Zeta will pass south of western Cuba early Monday and move near or over the northern Yucatan Peninsula or the Yucatan Channel late Monday, move into the southern Gulf of Mexico on Tuesday, and reach the central Gulf of Mexico by late Tuesday. Maximum sustained winds are near 40 mph with higher gusts. Strengthening is forecast during the next 48 hours, and Zeta could become a hurricane by the time it moves near or over the Yucatan Peninsula late Monday.
 
Currently, a tropical storm warning is in effect for Pinar del Rio, Cuba, Tulum to Rio Lagartos, Mexico and Conzumel, Mexico. A hurricane watch is in effect for Tulum to Rio Lagartos, Mexico and Cozumel, Mexico. Tropical Storm Conditions are expected in portions of the northern Yucatan Peninsula of Mexico Monday night and early Tuesday, with hurricane conditions possible and tropical storm conditions could occur over extreme western Cuba on Monday. Through Wednesday, heavy rainfall is expected from Zeta across portions of central and western Cuba, the Cayman Islands, Jamaica, the northeast Yucatan peninsula of Mexico, southern Florida and the Keys. This rainfall may lead to flash flooding in urban areas. In addition, Zeta could be at or just below hurricane strength when it approaches the northern Gulf Coast on Wednesday, and could bring some storm surge, rainfall, and wind impacts to areas from Louisiana to the Florida Panhandle.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage.  For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after October 25, 2020.


Hurricane Epsilon
October 22nd, 2020

 
Tropical Storm Epsilon strengthened into a hurricane Tuesday night, October 20, 2020 in the Atlantic ocean. The national hurricane center indicates that Epsilon is about 235 miles east-southeast of Bermuda and is moving toward the northwest near 7 mph. A turn toward the north-northwest is expected later today, followed by a northward motion tonight through Friday night, and an acceleration toward the northeast over the weekend. Maximum sustained winds have decreased to near 90 mph with higher gusts, some fluctuations in intensity are expected during the next couple of days, with weakening by early next week. Tropical storm conditions are expected intermittently on Bermuda through this evening, when Epsilon is forecast to make its closest approach east of the island. A tropical storm warning is in effect for Bermuda. Large swells generated by Epsilon are affecting Bermuda, the Bahamas, the Greater Antilles, and the Leeward Islands, and are expected to reach portions of the east coast of the United States and Atlantic Canada during the next few days. These swells are likely to cause life-threatening surf and rip current conditions.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage. For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after October 20, 2020.


Tropical Storm Epsilon
October 19th, 2020

 
Tropical storm Epsilon formed Monday morning, October 19, 2020 in the Atlantic ocean. The national hurricane center indicates that Epsilon is about 735 miles southeast of Bermuda. Currently, the storm is stationary and little overall motion is expected through tonight.  A slow west-northwestward to northwestward motion should begin on Tuesday, and this motion should continue through midweek. Maximum sustained winds are near 40 mph with higher gusts. Gradual strengthening is forecast during the next 72 hours, and Epsilon is forecast to be at or near hurricane strength by early Thursday. At this time, there are no coastal watches or warnings in effect and Epsilon poses no immediate threat to land.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage.  For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after October 19, 2020.


Tropical Storm Norbert
October 6th, 2020

 
Tropical storm Norbert formed Tuesday morning, October 6, 2020 in the Eastern Pacific ocean. Norbert is about 350 miles south-southwest of Manzanillo, Mexico and is moving toward the north near 2 mph. The storm is forecast to meander or be nearly stationary over the next few days. Maximum sustained winds are near 50 mph with higher gusts and some slow strengthening is possible over the next couple of days. At this time, there are no coastal watches or warnings in effect and Norbert poses no immediate threat to land.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage.  For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after October 6, 2020.


Hurricane Delta
October 5th, 2020

 
Tropical Storm Delta strengthened into a hurricane Monday evening, October 5, 2020 in the Atlantic ocean. The national hurricane center indicates that Delta is about 150 miles south-southwest of Negril, Jamaica and 220 miles south-southeast of Grand Cayman, moving toward the west-northwest near 8 mph, with a faster northwestward motion expected Tuesday through Wednesday night.  On the forecast track, the center of Delta is expected to pass southwest of the Cayman Islands early Tuesday, and approach the northeastern portion of the Yucatan peninsula and the Yucatan Channel Tuesday afternoon or evening.  Delta is forecast to move over the southern Gulf of Mexico Tuesday night or early Wednesday, and be over the south-central Gulf of Mexico on Wednesday and Wednesday night. Maximum sustained winds have increased to near 75 mph with higher gusts.  Additional rapid strengthening is expected during the next day or so, and Delta is expected to be a major hurricane when it nears the Yucatan Peninsula. Currently for Delta, a hurricane warning is in effect for Cuba province of Pinar del Rio, Tulum to Rio Lagartos, Mexico, and Cozumel. A hurricane watch is in effect for Cuban province of Artemisa and Isle of Youth. A tropical storm warning is in effect for the Cayman Islands including Little Cayman and Cayman Brac, in addition to, Isle of Youth. And lastly, a tropical storm watch is in effect for Cuba province of La Habana.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage. For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after October 5, 2020.


Tropical Storm Delta
October 5th, 2020

 
Tropical storm Delta formed Monday morning, October 5, 2020 in the Atlantic ocean. Delta is about 130 miles south of Negril, Jamaica and 270 miles southeast of Grand Cayman. The storm is moving toward the west-northwest near 9 mph, and this general motion should continue for the next day or so with a faster northwestward motion expected on Tuesday and Wednesday.  On the forecast track, the center of Delta is expected to move away from Jamaica later today, move near or over the Cayman Islands later tonight, and approach the Isle of Youth and western Cuba Tuesday afternoon or evening. Delta is forecast to move into the southeastern Gulf of Mexico Tuesday night or early Wednesday. Maximum sustained winds have increased to near 40 mph with higher gusts. Additional strengthening is expected during the next few days, and the tropical storm is expected to be a hurricane when it moves near or over western Cuba. Currently, a hurricane watch is in effect for Cuban provinces of Pinar del Rio and Artemisa, in addition to Isle of Youth. A tropical storm warning is in effect for the Cayman Islands including Little Cayman and Cayman Brac. And lastly, a tropical storm watch is in effect for Cuba province of La Habana.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage.  For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after October 5, 2020.


Tropical Storm Gamma
October 5th, 2020

 
Tropical storm Gamma formed Friday evening, October 2, 2020 in the Atlantic ocean over the northwestern Caribbean sea.  Gamma made landfall near Tulum, Mexico on Saturday, October 3, 2020 slowly moving over the Yucatan Peninsula and into the southern Gulf of Mexico on Sunday, October 4, 2020. Currently, Gamma is about 165 miles east-northeast of Progreso, Mexico and 150 miles north-northwest of Conzumel, Mexico. Gamma is drifting toward the south-southwest near 2 mph and is forecast to gradually turn toward the southwest later today, and continue to move slowly in that direction through mid-week.  On the forecast track, the center of Gamma will continue to meander offshore of the northern Yucatan Peninsula and pass near or just offshore of the northern coast of the Yucatan Peninsula this evening and on Tuesday.  Gamma could possibly move inland along the northwest coast of the Yucatan Peninsula Tuesday night and Wednesday. Maximum sustained winds have decreased to near 45 mph with gradual weakening forecast during the next few days. At this time, there is a tropical storm warning in effect for north and west of Cancun to Dzilam, Mexico and a tropical storm watch is in effect for west of Dzilam to Campeche, Mexico.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage.  For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after October 2, 2020.


Hurricane Marie
October 1st, 2020

 
Tropical Storm Marie strengthened into a hurricane Wednesday afternoon, September 30, 2020 in the Eastern Pacific ocean. Marie is about 820 miles southwest of the Southern tip of Baja California and is moving toward the west-northwest near 17 mph, and this general motion with decreasing forward speed is expected to continue for the next few days. Maximum sustained winds have increased to near 105 mph, and rapid strengthening is forecast during the next day or so, with Marie expected to become a major hurricane by tonight or sooner. At this time, there are no coastal watches or warnings in effect and Marie poses no immediate threat to land.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage. For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after September 30, 2020.


Tropical Storm Marie
September 30th, 2020

 
Tropical storm Marie formed Tuesday afternoon, September 29, 2020 in the Eastern Pacific ocean. Marie is about 655 miles south-southwest of the southern tip of Baja California and is moving toward the west near 16 mph.  A westward to west-northwestward motion is expected through Friday. Maximum sustained winds have increased to near 65 mph with higher gusts and rapid strengthening is forecast, with Marie is expected to become a hurricane this evening or tonight.  Marie could then become a major hurricane by late Thursday. At this time, there are no coastal watches or warnings in effect and Marie poses no immediate threat to land.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage.  For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after September 29, 2020.


Tropical Storm Lowell
September 21st, 2020

 
Tropical storm Lowell formed Monday afternoon, September 21, 2020 in the Pacific ocean. Lowell is about 450 miles south-southwest of the Southern tip of Baja California and is moving toward the west-northwest near 16 mph, with this general motion expected to continue through Wednesday, followed by a turn toward the west Wednesday night. Maximum sustained winds are now near 45 mph with higher gusts.  Slow strengthening is anticipated during the next few days, and Lowell could be near hurricane strength by Wednesday or Wednesday night. At this time, there are no coastal watches or warnings in effect and Lowell poses no immediate threat to land.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage.  For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after September 21, 2020.


Tropical Storm Beta
September 21st, 2020

 
Tropical storm Beta formed Friday afternoon, September 18, 2020 in the Atlantic ocean. Beta is about 55 miles southeast of Port O’Connor, Texas and 75 miles south-southwest of Freeport, Texas and moving toward the west-northwest near 7 mph, with this general motion expected to continue today. A decrease in forward speed and a sharp turn to the north and northeast are expected on Tuesday.  On the forecast track, the center of Beta will continue to move toward the central coast of Texas and will likely move inland by tonight. Beta is forecast to remain close to the coast of southeastern Texas on Tuesday and Wednesday. Maximum sustained winds are near 50 mph with higher gusts and little change in strength is forecast before Beta reaches the Texas coast. Weakening is anticipated once Beta moves inland.
 
Currently, there is a Tropical Storm warning in effect for Port Aransas, Texas to Morgan City, Louisiana and a Tropical Storm watch in effect for Baffin Bay, to Port Aransas, Texas. A Storm Surge warning in also in effect for Port Aransas, Texas to Rockefeller Wildlife Refuge, Louisiana, including Copano Bay, Aransas Bay, San Antonio Bay, Matagorda Bay, Galveston Bay, Sabine Lake, and Lake Calcasieu. Swells generated by a combination of Beta and a cold front over the northern Gulf of Mexico will continue along the coasts of Louisiana and Texas during the next couple of days.  These swells are likely to cause life-threatening surf and rip current conditions. In addition, the combination of a dangerous storm surge and the tide will cause normally dry areas near the coast to be flooded by rising waters moving inland from the shoreline.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage.  For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after September 18, 2020.


Tropical Storm Wilfred
September 18th, 2020

 
Tropical storm Wilfred formed Friday morning, September 18, 2020 in the Atlantic ocean. Wilfred is about 630 miles west-southwest of the Cabo Verde Islands and is moving toward the west-northwest near 17 mph and this general motion is expected for the next few days. Maximum sustained winds are near 40 mph with higher gusts. Some slight strengthening is possible today, and weakening should start this weekend and continue into next week. At this time, there are no coastal watches or warnings in effect, and Wilfred poses no immediate threat to land.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage.  For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after September 18, 2020.


Hurricane Teddy
September 17th, 2020

 
Tropical Storm Teddy strengthened into a hurricane Wednesday morning, September 16, 2020 in the Atlantic ocean. Teddy is about 610 miles east-northeast of the Lesser Antilles and 1,155 miles southeast of Bermuda, and is moving toward the northwest near 12 mph, with this general motion forecast to continue for the next few days. Maximum sustained winds are near 120 mph with higher gusts.  Teddy is a category 3 hurricane and some additional strengthening is possible through tonight, however, a slow weakening trend is expected to begin over the weekend. At this time, there are no coastal watches or warnings in effect for Teddy, but, large swells generated by Teddy are expected to affect portions of the Leeward Islands, the Greater Antilles, the Bahamas, Bermuda and the southeastern United States late this week and into the weekend.  These swells could cause life-threatening surf and rip current conditions.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage. For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after September 16, 2020.


Tropical Storm Karina
September 15th, 2020

 
Tropical storm Karina formed Sunday morning, September 13, 2020 in the Pacific ocean. Karina is about 740 miles west of the Southern tip of Baja California and is moving toward the northwest near 10 mph, with this motion expected to continue for the next couple of days. A turn to the west and then toward the west-southwest is expected late this week. Maximum sustained winds are near 60 mph with higher gusts and some weakening is forecast during the next 48 hours. Gradual weakening should begin by tonight, and Karina is forecast to become a remnant low in two or three days. At this time, there are no coastal watches or warnings in effect, and Karina poses no immediate threat to land.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage.  For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after September 13, 2020.


Tropical Storm Vicky
September 14th, 2020

 
Tropical storm Vicky formed Monday morning, September 14, 2020 in the Atlantic ocean. Vicky is about 350 miles west-northwest of the Cabo Verde Islands and is moving toward the northwest near 6 mph and this motion is forecast to continue into this afternoon. A turn toward the northwest is forecast tonight, with a west-northwestward motion expected on Tuesday and Wednesday. Maximum sustained winds have increased to near 45 mph with higher gusts with little change in strength expected during the next day or so.  Weakening is expected to begin by Tuesday night and Vicky is forecast to degenerate to a remnant low on Thursday. At this time, there are no coastal watches or warnings in effect and Vicky poses no immediate threat to land.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage.  For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after September 14, 2020.


Tropical Storm Teddy
September 14th, 2020

 
Tropical storm Teddy formed Monday morning, September 14, 2020 in the Atlantic ocean. Teddy is about 1,110 miles west of the Cabo Verde Islands and 1,405 miles east of the Lesser Antilles, and is moving toward the west-northwest near 14 mph. A continued west-northwestward motion is expected for the next day or two followed by a turn toward the northwest by mid-week. Maximum sustained winds have increased to near 40 mph with higher gusts and additional strengthening is anticipated. Teddy is forecast to become a hurricane in a couple of days. At this time, there are no coastal watches or warnings in effect, However, large swells generated by Teddy are expected to reach the Lesser Antilles and the northeastern coast of South America on Wednesday. These swells are likely to cause life-threatening surf and rip current conditions.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage.  For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after September 14, 2020.


Hurricane Sally
September 14th, 2020
 

Tropical Storm Sally strengthened into a hurricane Monday morning, September 14, 2020 in the Atlantic ocean. Sally is about 130 miles east-southeast of the mouth of the Mississippi river and 165 miles southeast of Biloxi, Mississippi and is moving toward the west-northwest near 7 mph. This general motion is expected to continue today, followed by a decrease in forward speed and a turn toward the northwest tonight and a northward turn sometime on Tuesday.  On the forecast track, the center of Sally will move over the north-central Gulf of Mexico today, approach southeastern Louisiana tonight, and make landfall in the hurricane warning area on Tuesday or Tuesday night. Afterward, Sally is expected to move slowly north-northeastward near the northern Gulf Coast through Wednesday. Sally looks to have rapidly strengthened with maximum sustained winds currently near 90 mph with higher gusts. Additional strengthening is forecast during the next day or so.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage. For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after September 14, 2020.



Hurricane Paulette
September 14th, 2020
 
Tropical Storm Paulette strengthened into a hurricane Saturday night, September 12, 2020 in the Atlantic ocean. Paulette is about 65 miles north of Bermuda and is moving toward the north near 14 mph, with this general motion continuing into the afternoon.  A turn toward the northeast is expected later tonight followed by a turn toward the east-northeast and an increase in forward speed Tuesday night through Friday morning. Maximum sustained winds are near 100 mph with higher gusts and additional strengthening through Tuesday night is likely as Paulette accelerates northeastward to east-northeastward. Gradual weakening is forecast to begin on Wednesday. A hurricane warning is in effect for Bermuda, and swells generated by Paulette are affecting portions of the Leeward Islands, the Greater Antilles, the Bahamas, Bermuda, and the east coast of the United States. These swells are likely to cause life-threatening surf and rip current conditions.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage. For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after September 12, 2020.



Tropical Storm Rene
September 8th, 2020

 
Tropical storm Rene formed Monday afternoon, September 7, 2020 in the Atlantic ocean. Rene is moving toward the west near 16 mph, and a motion toward the west to west-northwest is expected over the next two or three days.  On the forecast track, the center of Rene will move away from the Cabo Verde Islands later today. Maximum sustained winds are near 40 mph with higher gusts with little change in strength expected today, followed by gradual strengthening on Thursday and Friday.  Rene is forecast to become a hurricane in a couple of days and is also expected to produce tropical storm conditions across portions of the western Cabo Verde Islands for a few more hours. A tropical storm warning remains in effect for those islands and Rene will continue to bring locally heavy rainfall to portions of the western Cabo Verde Islands today.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage.  For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after September 7, 2020.


Hurricane Nana
September 3rd, 2020
 

Tropical Storm Nana strengthened into a hurricane Wednesday night, September 2, 2020 in the Atlantic ocean. Late Wednesday night, Nana made landfall as a small hurricane with winds near 75mph, on the coast of Belize between Dangriga and Placencia. Early Thursday morning, Nana weakened into a tropical storm and is currently moving toward the west near 15 mph, with a westward to west-southwestward motion expected through Friday night. The center of Nana will move over northern Guatemala and southeastern Mexico today and tonight, then move over the Gulf of Tehuantepec on Friday. Winds have decreased to near 45 mph and will continue to decrease in forward speed and Nana is expected to become a remnant low on Friday. All coastal watches and warnings have been discontinued for this storm, however, tropical storm conditions will continue near the center of Nana for a few more hours, and heavy rainfall with isolated maximum amounts as high as 3 to 6 inches could result in flash flooding in Guatemala and portions of southeastern Mexico.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage. For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after September 2, 2020.


Tropical Storm Nana
September 1st, 2020
 

Tropical storm Nana formed Tuesday morning, September 1, 2020 in the Atlantic ocean just south of Jamaica. Tropical storm Nana is about 120 miles south-southeast of Negril, Jamaica and about 685 miles east of Belize city. This storm is moving toward the west near 16 mph, and this general motion is expected to continue through Thursday.  On the forecast track, Nana will be moving near but north of the coast of Honduras on Wednesday and likely be approaching the coast of Belize on Thursday. Maximum sustained winds have increased to near 50 mph with additional strengthening forecast during the next 48 hours and Nana could become a hurricane just prior to landfall on Thursday.
 
A tropical storm watch is currently in effect for Northern Honduras, Roatan Island and the Bay Islands of Honduras, and Belize. A tropical storm watch may be required for portions of Guatemala and the southern Yucatan Peninsula later today. Nana is expected to produce rainfall accumulations of 2 to 4 inches across northern Honduras, Belize, and the southeast portion of the Mexican state of Quintana Roo. Swells generated by this system are affecting portions of the southern coast of Jamaica, and will continue into Wednesday morning. These swells are likely to cause life-threatening surf and rip current conditions.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage.  For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after September 1, 2020.  


Tropical Storm Omar
September 1st, 2020

 
Tropical storm Omar formed Tuesday afternoon, September 1, 2020 in the Atlantic ocean. Tropical storm Omar is about 225 miles east of Cape Hatteras North Carolina and is moving toward the east-northeast near 15 mph. This general motion is forecast through Wednesday, followed by a turn toward the east by Thursday.  On the forecast track, Omar will continue to move away from North Carolina. Maximum sustained winds have increased to near 40 mph with higher gusts, little change in strength is expected overnight, followed by weakening beginning on Wednesday night. Omar is expected to degenerate into a remnant area of low pressure by late Thursday. At this time, there are no coastal watches or warnings in effect for this storm and it poses no immediate threat to land.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage.  For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after September 1, 2020.  


Tropical Storm Iselle
August 26th, 2020

 
Tropical storm Iselle formed Wednesday afternoon, August 26, 2020 in the Eastern Pacific ocean. Iselle is about 680 miles southwest of the southern tip of Baja California and is moving toward the northeast near 5 mph and this motion is expected to continue through Friday. Maximum sustained winds are near 40 mph with little change in strength forecast during the next few days. At this time, there are no coastal warnings or watches and in effect for Iselle and it poses no immediate threat to land.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage.  For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after August 26, 2020.


Tropical Storm Hernan
August 27th, 2020

 
Tropical storm Hernan formed Wednesday afternoon, August 26, 2020 in the Eastern Pacific ocean. Hernan is about 125 miles south of Cabo Corrientes, Mexico, and about 390 miles southeast of the southern tip of Baja California and is moving toward the north near 5 mph. A turn toward the northwest is forecast by this afternoon, followed by a west-northwestward motion on Friday. The center of the storm, along with the strongest winds and heaviest rains, is expected to remain just offshore of the southwestern coast of Mexico. Currently, Maximum sustained winds are 45 mph with gusts up to 50 mph and little change in strength is forecast during the next day or so. A weakening trend is expected to begin by early Friday, and Hernan is forecast to become a remnant low Friday night. At this time, there are no coastal watches or warnings in effect for Hernan and it poses no immediate threat to land.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage.  For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after August 26, 2020.


Tropical Storm Marco
August 24th, 2020

 
Tropical Storm Marco formed Friday night, August 21, 2020 in the Atlantic. Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage.  For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after August 21, 2020.


Tropical Storm Genevieve
August 17th, 2020

 
Tropical Storm Genevieve formed Sunday afternoon, August 16, 2020 in the Pacific. Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage.  For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after August 16, 2020.


Tropical Storm Josephine
August 14th, 2020

 
Tropical storm Josephine formed Thursday morning, August 13, 2020 in the Atlantic ocean. Josephine is about 680 miles east-southeast of the northern leeward islands and moving toward the west-northwest near 17 mph. This general motion is expected to continue for the next couple of days followed by a turn toward the northwest late this weekend or early next week. Maximum sustained winds are near 40 mph with higher gusts and some additional strengthening is forecast during the next day or so. At this time, Josephine poses no immediate threat to land, and there are no coastal watches or warnings in effect. However, On the forecast track, the center of Josephine is expected to pass to the northeast of the leeward islands over the weekend.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage.  For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after August 13, 2020.


Hurricane Elida
August 11th, 2020


Tropical Storm Elida strengthened into a hurricane Monday, August 10, 2020 in the Pacific ocean. Elida Is about 250 miles southwest of the Southern tip of Baja California. Elida is moving toward the west-northwest near 14 mph, and this heading with a gradual decrease in forward speed is expected through Thursday. Maximum sustained winds are near 90 mph with higher gusts.  Some slight strengthening is possible this morning, but steady weakening is forecast to begin late this afternoon and continue into Thursday. At this time, there are no coastal watches or warnings in effect, however, swells generated by Elida are expected to affect portions of the coast of west-central Mexico and the southern Baja California peninsula during the next day or two.  These swells are likely to cause life-threatening surf and rip current conditions.
   
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage. For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after August 10, 2020.


Hurricane Isaias
July 31st, 2020
 

Tropical Storm Isaias strengthened into a hurricane Thursday night, July 30, 2020 in the Atlantic ocean. Currently, Isaias is about 365 miles south-southeast of Great Abaco Island and 295 miles Southeast of Nassau. Isaias is moving toward the northwest near 16 mph, and a general northwestward motion with some decrease in forward speed is expected for the day or so followed by a turn toward the north-northwest.  On the forecast track, the center of Isaias will continue to move near or over the Southeastern Bahamas today and is forecast to be near the Central Bahamas tonight, and move near or over the Northwestern Bahamas Saturday and near the east coast of the Florida peninsula Saturday afternoon through Sunday. Maximum sustained winds are near 75 mph with higher gusts.  Some strengthening is possible today and tonight, and Isaias is expected to remain a hurricane for the next few days. A hurricane warning is in effect for North of the Deerfield Beach to the Volusia-Brevard county line and a Hurricane warning has been put in place for the Northwestern and Southeastern Bahamas.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage. For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after July 30, 2020.


Tropical Storm Hanna
July 24th, 2020

 
Tropical Storm Hanna formed Thursday night, July 23, 2020 in the Gulf of Mexico. Hanna is around 260 miles east of Corpus Christi Texas and Port Mansfield Texas, with winds of 45 mph and moving toward the west-northwest near 9 mph, and this motion should continue today. A  turn toward the west is expected tonight, followed by a westward to west-southwestward motion through the weekend.  A tropical storm warning is in effect for the Mouth of the Rio Grande to San Luis Pass Texas and on the forecast track, the center of Hanna should make landfall along the Texas coast within the warning area Saturday afternoon or evening. Hanna is expected to bring heavy rains across portions of southern Texas. These rains could result in flash flooding and isolated minor to moderate river flooding. Maximum sustained winds have increased to near 45 mph with higher gusts. Gradual strengthening is expected until the tropical cyclone makes landfall. Steady weakening is expected after Hanna moves inland.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage.  For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after July 23, 2020.


Tropical Storm Gonzalo
July 22nd, 2020

 
Tropical Storm Gonzalo formed Wednesday, July 22, 2020 in the Atlantic ocean. Gonzalo is around 1,250 miles east of the southern Windward Islands, with winds of 45 mph and moving toward the west near 14 mph. A general westward motion at a faster forward speed is expected during the next few days. Maximum sustained winds have increased to near 50 mph with higher gusts.  Additional strengthening is forecast during the next couple of days, and Gonzalo is expected to become a hurricane by Thursday. There are no coastal watches or warnings in effect, however, Gonzalo is expected to move near or over the southern Windward Islands this weekend, and could bring direct impacts from winds and heavy rainfall.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage.  For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after July 22, 2020.


Hurricane Douglas
July 22nd, 2020


Tropical Storm Douglas strengthened into a hurricane Wednesday, July 22, 2020 in the Eastern Pacific ocean. Douglas is about 1,785 miles east-southeast of Hilo, Hawaii, and is forecast to turn west-northwest and increase speed by late Wednesday. Maximum sustained winds have increased to near 75 mph with higher gusts with additional strengthening expected over the next day or two.  Some weakening could begin on Friday once Douglas begins to move over cooler waters. At this time, there are no coastal watches or warnings in effect, but the forecast cone from the hurricane center shows the storm could approach the Hawaiian islands by the second half of this weekend, and there is an increasing chance that strong winds and heavy rainfall could affect portions of the state beginning on Sunday.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage. For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after July 22, 2020.


Tropical Storm Fay
July 10th, 2020

 
Tropical Storm Fay formed Thursday, July 9, 2020 in the Atlantic ocean just off the coast of North Carolina. Fay is moving toward the north near 12 mph. A northward to north-northeastward motion at a faster forward speed is expected over the next couple of days. The center of Fay is forecast to move near the mid-Atlantic coast this afternoon and evening and move inland over the mid-Atlantic and northeast United States tonight and Saturday. Currently, maximum sustained winds are near 60 mph with higher gusts. Little change in strength is forecast today while the center remains over water. Weakening should begin after the center moves inland, and Fay is expected to weaken to a tropical depression by early Saturday.
 
Tropical Storm warnings and watches are in effect for Fenwick Island Delaware to Watch Hill Rhode Island including Long Island and Long Island Sound and Southern Delaware Bay. Minor coastal flooding and isolated tornadoes are also possible, within those areas. Fay is expected to produce 2 to 4 inches of rain with isolated maxima of 7 inches along and near the track from Delaware into New Jersey, eastern Pennsylvania, southeast New York, and southern New England. The rain may result in flash flooding and urban flooding in areas with poor drainage where the heaviest amounts occur. Widespread river flooding is not expected at this time.
 
Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage.  For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after July 9, 2020.


Tropical Storm Edouard
July 6th, 2020

 
Tropical Storm Edouard formed Sunday night, July 5, 2020 over the far North Atlantic ocean. Edouard is currently moving toward the northeast near 37 mph and this motion is expected to continue for the next couple of days. Maximum sustained winds are near 45 mph with higher gusts and no significant change in strength is forecast before Edouard is forecast to become post-tropical later today. At this time, there are no coastal watches or warnings in effect for Edouard and it poses no immediate threat to land.

Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage.  For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after July 5, 2020.


Tropical Storm Cristobal

June 2nd, 2020

Tropical Storm Cristobal formed Tuesday, June 2, 2020 in the Atlantic Ocean near the Gulf of Mexico. Cristobal is moving toward the south near 3 mph, and a turn toward the southeast and east is expected tonight and Wednesday, followed by a turn toward the north-northeast and north on Thursday night and Friday. On the forecast track, the center will cross the southern Bay of Campeche coast on Wednesday and move inland over eastern Mexico Wednesday night and Thursday, and move back over the Bay of Campeche Thursday night and Friday.

Maximum sustained winds are near 40 mph with higher gusts. Some increase in strength is possible until the center crosses the coast. Gradual weakening is forecast while the center remains inland, but re-strengthening is expected after Cristobal moves back over water Thursday night and Friday. Currently, there is a tropical storm warning in effect for the areas of Campeche to Puerto de Veracruz and tropical storm conditions are affecting the coast within portions of those areas.

Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage. For plans that do offer coverage for adverse weather and natural disasters, please note that there is no coverage for this specific storm under any plans purchased on or after June 2, 2020.


As of January 29, 2020, the Coronavirus (COVID-19) outbreak was considered a foreseeable event.

Consequently, any event(s) related to COVID-19 for all new travel policies purchased on or after January 29, 2020 may thereby be excluded in accordance with the terms and conditions of the Policy. In addition, our plans exclude losses due to a pandemic. There will be no coverage for this event for losses occurred on or after 03/11/2020, the date COVID-19 was formally declared a pandemic by the World Health Organization. Please note, our plans will not cover fear of travel, unless you purchased Trip Cancellation for Any Reason coverage. Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage. It is important to read your Description of Coverage/Policy confirmation documents carefully for coverage details applicable to your travel.


Coronavirus (COVID-19) Outbreak

The CDC is closely monitoring an outbreak of respiratory illness caused by a new coronavirus named 2019-nCoV, that was first detected in Wuhan, China. News about the Coronavirus is changing rapidly. The respiratory infection, which is closely related to SARS and MERS, has been spreading across China, and cases have been diagnosed in several other countries, including the United States. In the U.S., the CDC is reporting five confirmed cases from these states: Washington, Illinois, California and Arizona. In all cases so far, those patients had recently traveled to Wuhan, China. On January 27, 2020, the CDC issued a level three travel health notice, urging travelers to avoid non-essential travel to China.

Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage. For plans that do offer coverage for illness, please note that the Coronavirus outbreak event could be considered foreseeable under any plans purchased on or after January 29, 2020.

Terms & Conditions

Contents

I - Introduction

The « april-international.com » website has been designed to keep the public updated on the APRIL Group and to provide information on the various products and services proposed by APRIL International Companies.
These general terms set out the terms governing use of the « april-international.com » website and the various proposed services by Users.

Use of or access to the « april-international.com » website and the proposed services implies unconditional acceptance without reservation of these general terms of use.

Mr Étienne BOURDON is the Publishing Director of the « april-international.com » website.
The Publisher of the « april-international.com » website is: APRIL International, a French limited company incorporated as a “société anonyme” with share capital of EUR 56,037,800, registered with the Lyon Trade and Companies Registry under number 423 412 808, an insurance intermediary registered with ORIAS (French Register of Insurance Intermediaries) under number 09050456 (www.orias.fr) registered office: Immeuble l’Aprilium, 114 Boulevard Marius Vivier Merle, 69487 Lyon Cedex 03, France with the intra-community VAT number FR 59 423412808.
Contact: Florence GODINO

The « april-international.com » website is hosted by APRIL Technologies, a French Economic Interest Group with share capital of EUR 960,000, registered with the Lyon Trade and Companies Registry under number 419 399 480, registered office: Immeuble l’Aprilium, 114 Boulevard Marius Vivier Merle, 69439 Lyon Cedex 03, unless otherwise specified in Clause V in relation to each of the proposed Services.
Contact: Denis BOURDON

II - Definitions

Password / Username
Shall mean the confidential information, that Users must keep secret, which, when used together, allows Users to prove their identity and access customer-only areas.

User
Shall mean any person using one of the Services proposed by the Website.

Services / Offers
Shall mean the various services and commercial offers proposed by APRIL International Companies on the « april-international.com » website, as set out in Clause VI (Information on the Services proposed).

Website
Shall mean the website through which Users access the information and Services proposed by APRIL International Companies.

Companies
Shall mean APRIL International trading companies proposing their services and offers on the « april-international.com » website. A list of these companies is set out at the end of these general terms of use.

III - Protection of personal data

The regulations governing the protection of personal data may vary from one company to another. Consequently, these regulations are described in a paragraph specific to each Company. (See section XVIII and following of these general terms of use).

IV - Cookie policy 

You understand that, during visits to the Site, cookies may be placed on your terminal equipment. 

Definition: 
A cookie is a small file, usually consisting of letters and numbers, which is stored on an internet user's terminal equipment. It is used by the site to send information to the user's browser and allows the browser to send information back to the source site (e.g. session identifier, choice of language or date). 
 
Cookies enable status information to be stored, for the lifetime of that particular cookie,  when a browser accesses the various pages of a website or later returns to that website. 
Cookies are stored in the memory of your browser and each one generally contains: 
  • The name of the server from which the cookie was sent; 
  • The lifetime of the cookie; 
  • A value - usually a randomly generated unique number. 
The Internet server which sends the cookie uses this number to recognise you when you return to the site or browse between pages. Only the issuer of a cookie can read or modify the information it contains. 
 
There are two types of cookies, known as "session" cookies and "persistent" cookies:
  • "Session" cookies enable websites to track your activity during a browsing session. These "session" cookies disappear at the end of your browsing session and are therefore not stored for any longer than that. 
  • "Persistent" cookies are stored on your computer between browsing sessions and keep track of your preferences or activity on a site (or in some cases on different websites). "Persistent" cookies can be used for various purposes including remembering your preferences and choices when using a site. 
 
Cookies can also be classified under the following categories: "internal cookies", which are generated by the website you are browsing, or "third party cookies" which are generated by a website other than the one you are browsing. 
 
Cookies used on "april-international.com"sites: 
 

COOKIE NAME

COOKIE PURPOSE

__utma
This cookie is used to identify unique visitors to the site. It is updated after every page view.
__utmb
This cookie is used to track the user's visit to the site. This cookie expires if the user is inactive on the site for more than 30 minutes. The use of this cookie coupled with the "__utmc" cookie enables the tracking of visits (sessions) on a given site.
__utmc
This cookie works with the "__utmb" cookie to determine whether or not there are any new visits by the current unique visitor.
__utmz
This cookie stores all the information required to identify a traffic source. In this cookie the following information is stored: traffic source, the medium of this traffic source, the keyword entered if the user comes to the site via a search engine etc.
__utmv
Visitor segmentation
PAPVisitorId
Identifies the origin of visitors coming from the site of our partner, Expat Blog
s_cc
Ascertains if it is possible to create cookies on the browser.
s_sq
Keeps track of pages viewed using the mouse tracking tool, ClickMap (tracks clicks on each page).
s_vi
Identifies unique visitors.
s_cpm
Stores the e-marketing campaigns and channels that generated visits to the site by that particular browser.
s_fid
Identifies unique visitors if the "s_vi" cookie could not be created because of restrictions on the generation of cookies enforced by domains external to the application.
s_nr
Generated by an Omniture plugin making it possible to avoid the same segmentation information being recorded several times during tracking.
s_catcpm
Stores the sequence of traffic channels that generated visits to the site for a particular browser.

You can control cookies via your browser settings. While most browsers are set by default to accept the placing of cookies, you can, if you wish, choose to accept all cookies, reject them systematically or choose which ones you accept depending on the issuer. You can also set your browser to accept or reject cookies on a case-by-case basis before they are installed. You can also regularly delete cookies from your device via your browser. 

The use of cookies or similar technologies by all third-party websites providing advertising content is subject to their own cookie privacy policies. 

To manage cookies and your choices, configuration is different for each browser. This is described in the Help menu of your browser where you can find out how to change your cookie preferences. 

For example: 

However, please be aware that by setting your browser to reject cookies, some features, pages and sections of the website will not be accessible, for which the Companies will not be held responsible.

V - Username and Password

The Username and Password are strictly personal and confidential. Users are responsible for keeping them safe and secure and should not disclose them to any other person. Failing this, Users shall be liable for the consequences of the disclosure of their Username or Password or their use by third parties.
APRIL International and APRIL International companies may not be held liable for any consequences of a fraudulent or abusive use of the Username or Password.

Use of the Username and the unique Password at the same time constitutes proof of the User’s identity and the User’s consent to the processing of the transaction.
Information registered within APRIL International companies’ IT system also constitutes proof of the said transactions, vis-à-vis both APRIL International Companies and the User.

VI - Access to Products and Services on the « april-international.com » website

The Services and various Offers proposed by APRIL International companies may be consulted free of charge (excluding connection costs) by any User with Internet access. Any and all costs incurred in order to access the Services and the Offers, including hardware, software and Internet access costs, shall be borne exclusively by Users, who shall be solely responsible for ensuring that their IT equipment and Internet access work properly.

Certain Services and Offers proposed on the “april-international.com” website may be reserved to Users who already hold a policy with one of the APRIL International companies, after logging in using their Username and Password.

APRIL International reserves the right to refuse access to all or part of the Services and Offers, unilaterally and with no prior notice, to any User failing to comply with these general terms of use.

Where Users are asked to provide information, they undertake to provide accurate and up-to-date information.

Users undertake not to copy, modify or alter and not to attempt to copy, modify or alter in any manner whatsoever the content or the programming of the pages of the website through which the proposed Services and Offers can be accessed and used.

Users undertake to comply with any and all applicable regulations in the country in which they use the Services, and, in particular, undertake not to submit any defamatory or offensive, infringing, unlawful, inaccurate or falsified document, data or information that is contrary to public policy or is immoral or that has an adverse effect on the technical operation of the Websites or the Services.

APRIL International reserves the right to decline any request for access to the Services and/or the Offers proposed on the “april-international.com” website that is clearly contrary to public policy or is immoral and to bring legal proceedings against any User acting in such a way as to potentially breach these terms or the laws or regulations in force.

VII - Information on Products and Services available

VII – 1 / « Customer Access »

VII-1-a/ Description of the Customer Access

For the APRIL International Companies offering this Service, this Service allows Users to access their personal data relating to the management of their policies. By logging in to this area, Users can perform certain operations online and can, in particular, modify their personal data.

VII-1-b/ Access to the « Customer Access »

The regulations governing access to the « Customer Access » may vary from one company to another. Consequently, these regulations are described in a paragraph specific to each Company. (See section XVIII and following of these general terms of use).

VII-1-c/ Personal data

The personal data presented in the « Customer Access » was provided to the Companies by Users when they took out their insurance policy or during the term of the policy.
The Companies also use any and all information provided by Users via the « Customer Access » to register their requests for changes.

VII – 2 / « E-commerce and Products Service »

VII-2-a/ Description of the E-commerce Service

For the APRIL International Companies offering this Service, this Service allows Users to view insurance offers proposed by APRIL International Companies and, in certain circumstances, to buy some of the insurance policies offered directly online.
Users must be 18 years of age or older to take out insurance policies proposed by companies of the APRIL International Group.

VII-2-b/ Information on the Services and products

Information available on the Website is provided for general information purposes only and should not be treated as advice. The information presented is not in any way exhaustive. Despite updates to the content of the Website, APRIL International and the APRIL International Companies cannot be held liable for any changes in administrative or legal provisions occurring after publication. The User, whatever their place of residence, is considered to have visited the Website of their own accord to learn about the products and services offered there. Simulations presented on the Website are designed to give Users a rough estimate only. APRIL International companies reserve the right to modify and update this information, and the content of commercial offers, at any time and without prior notice.

VII-2-c/ Terms and conditions governing contact with an insurance intermediary/getting a quote/buying insurance online

When Users ask for a quote or buy insurance on the Website, they are asked to fill in a questionnaire containing personal data required for the processing of their application. The provision of this personal data is compulsory; without it, their applications cannot be examined. This data is also required to enable the User’s position to be assessed and to calculate the relevant charges. Insurance policies may be taken out on the basis of the information provided in the questionnaire where Users agree thereto. Accordingly, Users must ensure that they answer the questions honestly and accurately as in the event that incorrect information is given or information is withheld, the compensation payable could be reduced or cancelled under French insurance law.

Buying insurance online

In order to take out insurance online, Users must follow the instructions given at each step of the application process. Each step must be confirmed by Users in order to proceed to the next step. During the process, Users may at any time correct the information given by returning to the previous steps using the link provided. Once the process is complete, Users will receive a confirmation email at the email address provided during the buying process confirming that the insurance policy has been registered by the relevant APRIL International Company. This email contains a link granting access to all of the information relating to the User’s insurance policy, stored in a secure database that can be accessed from the « Customer Access ».

VII-2-d/ Right to cancel the insurance and procedure

The regulations and procedures governing the right to cancel may vary from one Company to another. Consequently, these regulations are described in a paragraph specific to each Company. (See section XVIII and following of these general terms of use).

VIII – Accessibility

The « april-international.com » website may be accessed 24 hours a day, 7 days a week. However, APRIL International reserves the right to close down or prevent access to all or part of the Website, in particular for maintenance purposes or pursuant to a court order and in the event of force majeure. APRIL International may not, under any circumstances, be held liable for any non-availability of the Website or the Services or for any total or partial interruption to the viewing of the pages of the Website. Users are responsible for checking that they have the tools and means of electronic communication, access rights given by APRIL International and the skills required for access to the Website and the Services.

IX – Property

The Website and the various pages of the Website allowing access to the proposed Services and any elements making up the Website and their pages and/or used for the operation of the proposed Services, in particular photographs, images, animation, software, interfaces, trademarks, logos, text, drawings, icons and illustrations (hereinafter referred to as the “Data”) are protected worldwide under industrial and intellectual property laws.
As a general rule, access to the Website and the proposed Services does not grant Users any rights in relation to the intellectual property rights in the Data, which remain the exclusive property of APRIL International or, where applicable, third party right holders.
Users are authorised to copy pages of the Website solely for their personal information and for strictly private use. In all other cases, Users are not authorised to copy, reproduce, display, modify, translate, create by-products from or distribute all or part of the Data or exploit or use it in any other manner other than for the purposes of the Service used.
Any unauthorised or unlawful use of the Data may incur the User’s civil and criminal liability under the laws in force.

X – Database

The proposed Services may use databases bringing together information relating to the data provided by users (hereinafter the « Database »).
These Databases are the exclusive property of the Companies.
In accordance with French law, Users of the Services undertake not to infringe APRIL International’s intellectual property rights in the Database and undertake, in particular, not to perform any substantial or regular extraction of the data and not to use the data other than for strictly private and non-commercial purposes.
Users undertake not to access the content of the Database other than via the relevant Service and in accordance with the terms and conditions governing the relevant Service.

XI – Limitation of Liability

APRIL International gives no warranty in relation to hypertext links allowing Users to access third party websites and does not in any way undertake to check these links or the content of the relevant third party websites. The inclusion of a link to a third party website shall not imply any endorsement by APRIL International of the third party website or the products and services that may be proposed on such websites. Accordingly, APRIL International disclaims all liability as regards the content or privacy policy of such third party websites.

Given the technical problems that can be encountered with the Internet network, APRIL International cannot warrant that there will be no disruption to the proposed Services and shall not be liable for any interruptions, suspensions, malfunctioning or bugs affecting the Services or for the alteration, destruction or loss of data provided by Users. Users also acknowledge that the Service may be interrupted for maintenance.

Furthermore, APRIL International cannot be held liable for any problems accessing or using the Services arising from the malfunctioning or unavailability of the Websites through which Users access the proposed Services where these websites are under the responsibility of an entity other than APRIL International.

APRIL International reserves the right to temporarily or permanently modify or suspend all or part of the proposed Services, at any time and with no requirement to inform Users. APRIL International may not be held liable to Users or third parties in the event that the proposed Services are modified, suspended or shut down.

APRIL International and the APRIL International Companies shall not be liable for any direct or indirect loss of any kind arising from the content and/or use of the Website and/or the proposed Services or from access thereto, including, in particular but without prejudice to the generality of the foregoing, any operating losses, loss of programmes or data, any damage to or virus that may infect the IT equipment or any other property of Users of the Website or the Services.

XII – Force majeure

APRIL International and the APRIL International Companies shall not be liable for any loss, damage or harm arising from a force majeure event, as defined by the French courts.

XIII – Amendments to the terms of use of the Website and the Services

APRIL International reserves the right to amend all or part of the terms of use governing the Website or the proposed Services, at any time and with no requirement to inform Users.
Amendments shall take effect from the date they are published online.
Accordingly, Users are personally responsible for regularly reviewing the terms and conditions hereof. By continuing to use the proposed Services, Users automatically agree to any amendments made hereto.

XIV – Evidence

It is expressly agreed that any data, information, files and any other digital evidence exchanged between Users and APRIL International or stored by APRIL International, in particular in its databases or on its servers, shall constitute admissible, valid and binding evidence having the same probative value as a private agreement.
Users undertake not to challenge the admissibility, validity, binding nature or probative value of the above-mentioned electronic evidence or evidence in an electronic format, on account of the fact that it is « electronic ». Unless proved otherwise, this evidence shall be valid and binding in the same manner, on the same terms and with the same probative value as any document drawn up, executed or stored on paper.

XV – Language

Any inconsistency between the French version of this Website and versions in other languages shall be resolved solely by reference to the French version.

XVI – Severability

In the event that one or more of the provisions of these terms of use is considered to be invalid or held to be invalid under a law, regulations or a final court order issued by a court having jurisdiction, the other provisions shall remain in full force and effect.

XVII – Applicable law

These terms of use governing the Website and the proposed Services are governed by French law. Any dispute relating to the interpretation or performance of these terms of use or the performance of the proposed Services shall be referred to the court having jurisdiction in Lyon, France.

XVIII – Terms of use specific to APRIL International Expat

XVIII – 1/ Protection of personal data

The « april-international.com » website and the electronic processing of personal data arising from this Website have been declared to the CNIL, (the French data protection authority) by APRIL International Expat. APRIL International Expat uses the information provided to them by Users for the provision of the Services proposed on the Website, as set out in Clause VII (Information on the Services and Offers) and, where Users have agreed thereto, to provide Users with information on the various insurance policies and services marketed by the APRIL Group and partners of APRIL International Expat. Users may object at any time to the commercial use of their data by sending a letter to the address shown below or by replying to any email sent.

Contact form:
When Users ask to be put in contact with a partner insurance intermediary using the « Callback » or « Get a quote » form, Users authorise APRIL International Expat to pass on to the insurance consultant the information provided so as to enable contact to be made with Users to finalise their application.

Use of User email addresses:
For existing APRIL International Expat customers, the email address that they provided when they submitted their application or used to send emails to APRIL International Expat is liable to be retained and used by APRIL International Expat at a later date to propose services and commercial offers to Users.
For Users who are not yet APRIL International Expat customers, the company will ask for their consent prior to using their email address for commercial purposes.

Right of access and correction: 
Pursuant to French Data Protection and Freedom of Information legislation No. 78-17 of 6 January 1978 and EU Directive 95/46/EC of 24 October 1995 on the protection of personal data and privacy, Users are entitled to have access to their personal data held by APRIL International Expat for the purpose of the Services proposed on the Website and to have such data modified, corrected or deleted. In order to exercise these rights, Users should write to APRIL International Expat - 110 avenue de la République - 75011 PARIS France, specifying their postal address and enclosing a copy of proof of identity.

XVIII- 2/ Username and Password

If the Username or Password is lost or forgotten, Users should contact the April International Expat customer service department by emailing (info@aprilmobilite.com) or calling (+33) (0)1 73 02 93 93. A reminder will then be emailed to them.

XVIII- 3/ Access to the APRIL International Expat Customer Access:

This service is automatic for customers who have taken out a policy with a duration of at least 12 months.
To activate this service, when logging in for the first time, Users must:

  • enter the Username and Password which were emailed to them.
  • fill in an application form and read these terms and conditions.

On future visits, they will only need to enter the Username and Password.
Customers who have taken out policies with a duration of less than 12 months can request access to the « Customer Access » by sending an email to: ouverture.extranet@aprilmobilité.com .

XVIII-4 Right to cancel the insurance and procedure

In accordance with the French rules in force on distance selling, Users are entitled to cancel their insurance by letter sent by registered post with acknowledgement of receipt to APRIL International Expat at the address shown in the general policy terms and conditions provided when the policy was taken out, within fourteen (14) days of the date on which the insurance was taken out.
The policy will cease to apply on the date on which the cancellation letter is received and any premiums already paid will be refunded, other than those corresponding to the period of cover up until cancellation.
Users wishing to cancel their insurance in this way may use the following template:
« I, the undersigned, Mr/Mrs/Ms/Miss…………………………………. (first name, surname, address) hereby inform you that I wish to cancel my insurance policy “……………………….. (name of the policy) ” No………………………….(customer number shown on the insurance certificate or in the special terms and conditions) that I purchased online on ………………………………….
Signed in ……… on ……….… signature ……… »
In the event that any payments have already been made under a policy, it cannot be cancelled in this way.

Please note: Certain policies have a thirty (30) day cancellation period. Please check the general terms and conditions of the policy.

XIX - Terms and Conditions specific to April International Voyage

XIX - 1 / Protection of personal data

The website " april-international.com" and the computer processing of personal data from the website "april-international.com" have been declared to the French National Commission for Information Technology and Data Protection (CNIL) by April International Voyage. April International Voyage uses the information that the User provides in order to carry out the Services offered through the Website, as set out in section "VII - Information on Services and Offers" and - if the User has agreed - to inform him of the various offers of insurance or services sold by the April Group or partners of April International Voyage. Users may oppose, at any time, the commercial use of their data by sending a letter to the address below or by return email at the time of sending.

"Request for Information" form
When the User asks to be put in contact with an partner insurance broker using the "Request for information" form, the User authorises April International Voyage to notify the insurance consultant of the information entered so that the User can be contacted to finalise their policy.

Using the email address of the user:
If the User is a customer of April International Voyage, the electronic address provided on the application form or on using the messaging software may be stored and used at a later date by April International Voyage for providing services and commercial offers to the user.

If the User is not yet a April International Voyage customer, the company will ask the user for consent before using any email address for commercial purposes.

Right of access and rectification:
In accordance with the French data protection act (loi "informatique et libertés") no. 78-17 of 6 January 1978, and the European Directive 95/46/EC of 24 October 1995 on the protection of personal data and privacy, Users have the right to access, modify, rectify or delete data concerning them, held by April International Voyage as part of the Services offered through the Website, by sending a letter with a copy of their ID and indicating their postal address, to the following address: April International Voyage - 110 avenue de la République – 75011 PARIS - France.

XIX-2 / User ID and passcode

The account ID is the email address entered by the user during the application.
If the user loses or forgets their passcode, they can go to http://tarif-voyage.april-international.com/monespace and click on "Forgot your password?". The user gives the email address entered on the application form and the password will be automatically sent to this address.

XIX - 3 / Access to the April International Voyage Customer Account service:

This service is automatic for policyholders who have taken out a policy.
As soon as the policy has been validated, the policyholder will receive an email containing a username and password to access their account.
On subsequent uses, you only need to enter your user name and password.

XX - Terms and Conditions specific to April International Canada

XX - 1/ Protection of personal data

APRIL International Canada uses the information that the user provides to carry out the services offered through the site as set out in the section "VII - Information on Services and Offers" and to inform of the various insurance offers and services commercialized by APRIL Group or APRIL International Canada partners.  The user may refuse, at any time, the commercial use of their data by writing to the address mentioned below or by e-mail reply.  If the User is not yet an April International Canada client, the e-mail address will not be used for commercial purposes.

XX - 2/ Login and password

The ID account is the email address entered by the user during the online subscription.  In the case of lost or forgotten PIN code, the user can go to http://tarif-canada.april-international.com/monespace and click the button “Forgot your password?” The user indicates the e-mail address entered at time of purchase online and the password will be sent automatically to this address.

XX - 3/ Login to the Client Access of APRIL International Canada

This service is available to policyholders who have subscribed to certain contracts online.  Upon confirmation of the subscription, the insured will receive an username and password by e-mail to access their account.  On subsequent uses, the user needs only to enter the username and password.

XXI - Terms and Conditions specific to APRIL USA ASSISTANCE

XXI - 1/ Protection of personal data and Ownership of Informations

APRIL USA ASSISTANCE through this website may collect general, non-personally identifiable information, such date and times that the site is visited and the pages within the site that were accessed. This information is used to improve the website’s usability and overall customer experience. Personally identifiable information, such as name, address or policy information is collected only when voluntarily offered and is used solely for transacting a policy. This information is maintained in strict confidentiality between APRIL USA ASSISTANCE and its underwriters.

Any information, other than personal data or information, you transmit to APRIL USA ASSISTANCE via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of APRIL USA ASSISTANCE . Such information, other than personal data or information may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. APRIL USA ASSISTANCE is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to APRIL USA ASSISTANCE via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

All information collected, whether personally identifiable or non-personally identifiable, and whether relating to our partner agents or to our insured travelers, is used exclusively for APRIL USA ASSISTANCE’s internal purposes and is never disclosed to any non-affiliated third parties.

XXI - 2 Right to cancel the insurance and procedure

Users are entitled to cancel their insurance by email to or by letter sent by registered post with acknowledgement of receipt to APRIL USA Assistance at the address shown in the general policy terms and conditions provided, within fourteen (14) days of the date on which the insurance was taken out. The email or Cancellation letter should precise the policyholder name(s) & policy number(s).
The policy will cease to apply on the date on which the email or cancellation letter is received and any premiums already paid will be fully refunded.
In the event that any payments have already been made under a policy, it cannot be cancelled in this way.

XXII - Terms and Conditions specific to APRIL International UK

XXII - 1/ About us

APRIL International UK Limited (APRIL International UK or AIUK) of  Minster House, 42 Mincing Lane, London, EC3R 7AE, United Kingdom is an insurance intermediary and an appointed representative of APRIL MEDIBROKER LIMITED (No 304773) which is authorised and regulated by the Financial Conduct Authority (FCA).

APRIL International UK acts as agent for insurers in issuing accident and health (including life) insurance policies under the APRIL International brand. AIUK is the registered holder of the APRIL International UK trade mark.

Any references to “you” are to any person identified as an insured in any policy we issue or as a User. Any references to the your “insurances” or

“insurance policies” are solely to APRIL International UK insurances and insurance policies.

You can check AIUK’s name and address, and that we are included on the FCA’s Register of appointed representatives (as well as the details of our principal) , by visiting the FCA’s website www.FCA.org.uk or by contacting the FCA on 0207 066 9200.

The email address of our personnel is firstname.surname@april.com

XXII - 2/ Protection of personal data

The information you have provided will become part of the personal data held by APRIL International UK Limited and will be used for the provision and administration of insurance products and services.

APRIL International UK Limited may disclose your personal data to insurance companies and to their agents for underwriting, claims handling and fraud prevention purposes.

In addition, it may seek information from insurance companies to check the answers that you have provided. Full details of the APRIL International UK Limited’s processing of personal data appear in the register maintained by the United Kingdom’s Information Commissioner.

XXII - 3/ Complaints procedure

APRIL International UK’s objective is to provide its clients with a high level of service at all times. With the best of intentions the company accepts that there may be an occasion when you, as a customer, feel that this objective has not been met.

Should you have any reason to complain, in the first instance you should contact a Director at APRIL International UK providing your name, certificate number and full details of your concern. The contact details are:

April International UK
Minster House
42 Mincing Lane
London, EC3R 7AE
Tel: +44 (0) 203 418 0470
Email: info@april-international.co.uk

In the event that you remain dissatisfied and wish to file a formal complaint with the insurer of APRIL International UK, please follow the below instructions- full details of the complaints procedure is also detailed in your policy guide.

If the insurer on your certificate of insurance is CATLIN INSURANCE COMPANY (UK) LIMITED

You may refer the complaint to the Complaints Manager at Catlin Insurance Company (UK) Ltd. The address is:

Complaints Manager
Catlin Insurance Company (UK) Ltd.
20 Gracechurch Street
London, EC3V 0BG
Tel: +44 (0) 207 743 8487
Email: Catlinukcomplaints@catlin.com

Alternatively, if the insurer on your certificate of insurance is CATLIN UNDERWRITING AGENCIES LIMITED

You may refer the complaint to the Complaints Manager at Catlin Underwriting Agencies Limited.  The address is:

Complaints Manager
Catlin Underwriting Agencies Limited
20 Gracechurch Street
London, EC3V 0BG
Tel: +44 (0) 207 743 8487
Email: Catlinukcomplaints@catlin.com

If your policy is insured by CATLIN UNDERWRITING AGENCIES LIMITED you can if you wish refer your complaint to Lloyd’s. Lloyd’s will investigate the matter and provide a final response. Lloyd’s contact details are as follows:

Complaints
Lloyd’s
One Lime Street
London EC3M 7HA
Email: complaints@lloyds.com
Telephone: +44 (0) 20 7327 5693
Fax: +44 (0) 20 7327 5225

If should you are still dissatisfied with the insurers final response, you may, if eligible, refer your complaint to the Financial Ombudsman Service (FOS). The Financial Ombudsman Service is an independent service in the UK for settling disputes between consumers and businesses providing financial services. The FOS’s contact details are as follows:

Financial Ombudsman Service
Exchange Tower
London
E14 9SR
Email: complaint.info@financial-ombudsman.org.uk
Telephone: +44 (0) 300 1239 123
Website: www.financial-ombudsman.org.uk

If you purchased your insurance online, please note that you can, if you wish, also submit your complaint via the Online Dispute Resolution (ODR) Platform set up by the European Commission.  This service has been set up to help residents in the European Union (EU) who have purchased goods or services online, get their complaint resolved.  You can access the ODR Platform by clicking the following link:

http://ec.europa.eu/consumers/odr/

This does not affect your right to submit your complaint following the process above.  Please note that under current rules the European Commission will ultimately redirect your complaint to the Financial Ombudsman Services (FOS).

This complaints procedure is without prejudice to your right to take legal action.

Documentation DJM – July 2012 - Référence: ML INT 13-09/12