Your insurance is valid in Switzerland, in the Principality of Liechtenstein, in the countries of Europe, as well as in the non-European Mediterranean states and on the Mediterranean island states. Your insurance is not valid in the Russian Federation, Belarus, Georgia, Armenia, Azerbaijan, Kazakhstan and Iran. On the territory of Kosovo, the insurance does not apply to liability. In case of transportation by sea, the insurance coverage is not interrupted if the place of departure and destination are within the local validity.