Tickets and events
Tickets are usually non-refundable — if you fall ill, you lose the full price. The insurance reimburses it after deducting the 10% excess, and unlike insurance offered at the box office, you can take it out for a ticket you bought anywhere else. It costs 9% of the price, minimum CZK 26.
Work out your price
CZK 300CZK 500,000
One-off premium
CZK 224If you cancel, back up to
CZK 2,241We reimburse cancellation fees after deducting the 10% excess, or in full if the insured person is hospitalised or dies. The premium is 9% of the price, min. CZK 26.
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What you can insure
A 2-day festival ticket for CZK 2,490
The festival doesn’t refund tickets, so the loss is 100% of the price. Illustrative calculation.
Typical situations
You bought the ticket six months ago, and the day before you’re in bed with a fever. The organiser doesn’t refund anything.
A broken leg, a sprain or an operation — a four-day festival with camping simply isn’t possible.
You fail an exam and the faculty sets the resit for the exact day of the concert. The insurance covers that too.
Marathon entry fees are non-refundable. If an injury or illness stops you from starting, we reimburse it after deducting the 10% excess.
What the insurance covers
You fall ill or get injured so that you can’t go.
Family, a business partner, or the person you’re travelling with or staying with.
You have to look after someone close who isn’t travelling with you.
A pregnancy confirmed after the insurance was taken out, where the doctor advises against travelling.
Your dog or cat dies.
A witness summons, adoption or divorce proceedings during the trip.
You’re dismissed when you didn’t expect it.
A resit exam during the trip or shortly after it.
The car you were going to travel in can’t be driven after an accident.
Your documents are stolen in the last week before departure.
You or a family member become the victim of a crime.
A burglary, robbery or major natural damage where you live.
A public health officer orders you into quarantine just before departure.
A fire, flood or windstorm where you’re going.
Keep in mind
If the organiser cancels or postpones the event, they refund the ticket price. Cancellation insurance covers situations where you can’t go.
If you can’t go to the event, send the original cancelled tickets to the insurer at skody@colonnade.cz before it starts. Tickets sent after the event has started may reduce the payout.
When you claim, you provide proof of payment and a statement from the seller saying how much they won’t refund (or that tickets are non-refundable).
If you resell the ticket, this reduces your loss — the insurance only covers the amount you actually lose.
Stories
Tomáš, 24 · 3-day festival ticket + a camping spot
Tomáš had a ticket for a summer festival and a spot at the campsite. A week before the event, he broke his ankle playing football with friends and ended up in a cast. The festival doesn’t refund tickets, and he didn’t manage to resell his at the last minute.
Adéla, 23 · A concert ticket in Berlin + train
Adéla bought a ticket to see her favourite band and train tickets to Berlin. Three weeks before the concert, she failed an exam and the faculty set her resit for the exact day of the concert. Neither the concert ticket nor the train tickets could be refunded.
Eva, 35 · Entry to a marathon abroad + a non-refundable hotel
Eva had been training for the marathon for six months. A week before the race, her father died suddenly and the funeral fell on the day of the start. The trip was the last thing on her mind — the money didn’t matter at that moment, but the insurance paid it back.
The example scenarios are illustrative — we made up the names, stories and amounts to show how the insurance works. The actual payout is always decided by the insurer based on the policy terms and the documents provided.
Questions
Yes, that’s what our insurance is built on. It doesn’t matter whether you bought the ticket from the organiser, at an online box office or on the festival website — proof of payment is enough.
Yes. Add up the price of all the tickets and enter the insured persons (up to 10). The premium is calculated from the total amount.
Yes, if you add them to the insured amount. You can insure the ticket as well as related non-refundable services, such as a train and a hotel.
Ideally right when you buy. If the event starts within 30 days, the insurance must be taken out at the same time as you pay for the ticket. And it only covers events that occur after it’s taken out.
We reimburse the cancellation fees — the deposit paid in advance or the price the seller didn’t refund under its terms — after deducting the 10% excess. If you get nothing back for a CZK 2,000 ticket, you’ll receive CZK 1,800. If you cancel because the insured person is hospitalised or dies, no excess applies. Cancellation fees don’t include the premium, airport taxes or fees that can be recovered.
If there are more than 30 days until the trip starts, you can take out the insurance at any time. If you buy the trip 30 days or less before it starts, the insurance must be taken out at the same time as you pay for the trip. In all cases, it only covers events that occur after it is taken out.
Among other things: a change of plans (you don’t want to go, you’re afraid, you don’t get time off work), health problems that existed before the insurance was taken out (except a stabilised chronic illness), events under the influence of alcohol or drugs, injuries during races and competitions, or a trip being cancelled by the carrier or organiser — in that case they refund you.
All exclusions →Tell us what you’re insuring, how much it cost and when it starts. We’ll email you a quote quickly.