Content Disclaimer

All details and information found on this website have been investigated and checked by competence. exclusive. e.k. or by a third party. No responsibility is assumed for editorial or clerical errors. Every attempt has been made to ensure the information contained herein is valid at the time of publication. Despite its due care and attention, however, data may have changed in the meantime. Therefore, competence. exclusive. e.k. and any third party assume no liability for the accuracy, completeness and up-to-dateness of the information provided. competence. exclusive. e.k. reserves the right to make additions and amendments to the information provided. The website www.traveller-care.com is aimed at providing information and possibility to instantly submit an insurance application for any person planning temporary journeys up to 12 months worldwide. It also provides further information regarding travelling. The information provided on the website is solely for individual education and understanding of insurance and other issues. Do not act or rely upon any of the resources and information available on or from the website without seeking professional financial, insurance, tax and legal advice relating to your own particular situation. In regards to any insurance products you should download and carefully read the appropriate Insurance Terms and Conditions provided by the insurance company before submitting coverage. In case of doubt you should contact the insurance provider and ask for entire clarification.

Use of Links

competence. exclusive. e.k. assume no liability for the accuracy, completeness and up-to-dateness of the information provided in external websites and service providers accessed through hyperlinks. In providing these links, competence. exclusive. e.k. does not in any way endorse the contents of these other websites.


The content and design of the website www.traveller-care.com is subject to German copyright law. Unless expressly permitted by law (Par 44a UrhG [German] copyright law), every form of utilizing, reproducing or processing works subject to copyright protection on our web pages requires the prior consent of the respective owner of the rights. Individual reproductions of a work are allowed only for private use, so must not serve either directly or indirectly for earnings. Unauthorized utilization of copyrighted works is punishable (Par 106 UrhG [German] copyright law). Any use of published content of this page is subject to prior written confirmation of Claus Edam, competence. exclusive. e.k.

Governing law and jurisdiction

Any and all disputes arising out of or in connection with this website shall be governed exclusively by the laws of the Federal Republic of Germany. Place of jurisdiction is the registered office of competence. exclusive. e.k.


Your personal data (e.g. title, name, house address, e-mail address, phone number, bank details, credit card number) are processed by us only in accordance with the provisions of German data privacy laws. The following provisions describe the type, scope and purpose of collecting, processing and utilizing personal data. This privacy policy applies only to our web pages. If links on our pages route you to other pages, please inquire there about how your data are handled in such cases.

Inventory data

(1) Your personal data, insofar as these are necessary for this contractual relationship (inventory data) in terms of its establishment, organization of content and modifications, are used exclusively for fulfilling the contract. For applications to be submitted, for instance, your name, address, DOB, medical condition, bank details must be relayed to the insurance provider.
(2) Without your explicit consent or a legal basis, your personal data are not passed on to third parties outside the scope of fulfilling this contract. After completion of the contract, your data are blocked against further use. After expiry of deadlines as per tax-related and commercial regulations, these data are deleted unless you have expressly consented to their further use.

Web analysis with Google Analytics

This website uses Google Analytics, a web analysis service of Google Inc. (Google). Google Analytics uses cookies, i.e. text files stored on your computer to enable analysis of website usage by you. Information generated by the cookie about your use of this website is usually transmitted to a Google server in the United States and stored there. In case of activated IP anonymization on this website, however, your IP address is previously truncated by Google within member states of the European Union or in other states which are party to the agreement on the European Economic Area. Only in exceptional cases a full IP address is transmitted to a Google server in the United States and truncated there. On behalf of this website's owner, Google will use this information to evaluate your use of the website, compile reports about website activities, and provide the website's operator with further services related to website and Internet usage. The IP address sent from your browser as part of Google Analytics is not merged with other data by Google. You can prevent storage of cookies by appropriately setting your browser software; in this case, however, please note that you might not be able to fully use all functions offered by this website. In addition, you can prevent data generated by the cookie and relating to your use of the website (including your IP address) from being collected and processed by Google, by downloading and installing a browser plug-in from the following link: http://tools.google.com/dlpage/gaoptout?hl=en

This website uses Google Analytics with the extension "anonymizeIP()", IP addresses being truncated before further processing in order to rule out direct associations to persons.

Information about cookies

(1) To optimize our web presence, we use cookies. These are small text files stored in your computer's main memory. These cookies are deleted after you close the browser. Other cookies remain on your computer (long-term cookies) and permit its recognition on your next visit. This allows us to improve your access to our site.
(2) You can prevent storage of cookies by choosing a "disable cookies" option in your browser settings. But this can limit the functionality of our Internet offers as a result.

Social plug-ins from Facebook

We use social plug-ins from facebook.com, operated by Facebook Inc., 1601 S. California Ave, Palo Alto, CA 94304, USA. The plug-ins can be recognized by way of the Facebook logo or the supplement "Facebook Social Plug-in". For example, if you click on the "Facebook" button or leave a comment, the relevant information is transmitted directly from your browser to Facebook and stored there. Furthermore, Facebook makes your likes public for your Facebook friends. If you are logged into Facebook, it can assign the invocation of our page directly to your Facebook account. Even if you are not logged in or don't have a Facebook account, your browser sends information (e.g. which web pages you have called up, your IP address) which is then stored by Facebook. For details about handling of your personal data by Facebook and your related rights, please refer to the data privacy policy of Facebook: http://www.facebook.com/policy.php. If you do not want Facebook to map data collected about you via our websites to your Facebook account, you must log out of Facebook before you visit our webpages.

Social plug-ins from Twitter

With Twitter and its Retweet functions, we use social plug-ins from Twitter.com, operated by Twitter Inc. 795 Folsom St., Suite 600, San Francisco, CA 94107. If you use Retweet, the websites visited by you are announced to third parties and associated with your Twitter account. Details about handling of your data by Twitter as well as your rights and setting options for protecting your personal information can be found in Twitter's data privacy policy: http://twitter.com/privacy


According to [German] Federal Data Protection Act you have a right to free-of-charge information about your stored data, and possibly entitlement to correction, blocking or deletion of such data. Inquiries can be directed to the following email address: cedam@ce-expat.com

Governing law and jurisdiction

Any and all disputes arising out of or in connection with this website shall be governed exclusively by the laws of the Federal Republic of Germany. Place of jurisdiction is the registered office of competence. exclusive. e.k.

Source: gesetze-im-netz.de, twiggs translations and eRecht24