tgv prem tickets

If you purchase TGV prem tickets w/ insurance are they refundable?How do you get a refund?

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The complete explanation can be found from the sncf website : voyages-sncf.com/info_resa/…cgv_assurance.pdf

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Are prem fares only for round trip travel to and from france or one way travel from france? Or can you get a prem TO france starting from a point outside of france? Thanks!

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