A-6 Exclusions, Watercraft Liability Insurance, Basis

A-6.1 Unless expressly provided otherwise in the policy schedule or its endorsements, the following special exclusions apply:

A-6.1.1 Not insured is the personal liability of the water skier and of the kite flier.

A-6.1.2 Not insured is liability for losses occurring during participation in motorboat races or during practice runs connected with them.

A-6.1.3 Not insured are liability claims against persons (you or any co-insured) who cause the loss through knowingly unlawful handling of flammable or explosive substances, or handling in breach of regulations or of other duties.

A-6.1.4 For losses in connection with motor vehicles and motor vehicle trailers, the following applies: 1 Not insured is liability for losses that you, a co-insured person or a person appointed or instructed by you cause through the use of a motor vehicle or a motor vehicle trailer. 2 Where under these provisions there is no cover for one insured person (you or a co-insured), that also applies to all other insured persons. 3 An activity carried out by the persons named in paragraph (1) of this clause on a motor vehicle or motor vehicle trailer is not use within the meaning of this provision if none of those persons is the keeper or possessor of the vehicle and the vehicle is not set in motion in the process.

A-6.1.5 For aviation and space travel losses, the following applies: 1 Not insured is liability for losses that you, a co-insured person or a person appointed or instructed by them cause through the use of an aircraft or spacecraft, or for which they are held liable as keeper or possessor of an aircraft or spacecraft. 2 Where under these provisions there is no cover for one insured person (you or a co-insured), that also applies to all other insured persons. 3 Not insured is liability arising from the design or construction, manufacture or supply of aircraft or spacecraft, or of parts of aircraft or spacecraft, so far as the parts were evidently intended for the building of, or installation in, aircraft or spacecraft; activities (for example assembly, maintenance, inspection, overhaul, repair, transport) on aircraft or spacecraft or their parts, namely for damage to aircraft or spacecraft, to the items carried in them, to the occupants, and all financial loss arising from that, and for other losses caused by aircraft or spacecraft. l the design or construction, manufacture or supply of aircraft or spacecraft, or of parts of aircraft or spacecraft, so far as the parts were evidently intended for the building of, or installation in, aircraft or spacecraft; l activities (for example assembly, maintenance, inspection, overhaul, repair, transport) on aircraft or spacecraft or their parts, namely for damage to aircraft or spacecraft, to the items carried in them, to the occupants, and all financial loss arising from that, and for other losses caused by aircraft or spacecraft.

A-6.2 Unless expressly provided otherwise in the policy schedule or its endorsements, the following are further excluded from the insurance:

A-6.2.1 Insurance claims of all persons who caused the loss intentionally.

A-6.2.2 Insurance claims of all persons who caused the loss by, in the knowledge of their defectiveness or harmfulness,  placing products on the market, or German law applies to the contract. The German wording of the conditions alone is binding; this translation is provided for understanding only.  performing work or other services.

A-6.2.3 Liability claims so far as they go beyond the scope of your statutory liability on the basis of a contract or of assurances given.

A-6.2.4 Liability claims  by you yourself, or by the persons named in clause A-6.2.5, against the co-insured persons;  between several policyholders under the same insurance contract;  between several co-insured persons under the same insurance contract.

A-6.2.5 Liability claims against you  arising from loss events involving your relatives who live with you in a common household or who belong to the persons co-insured under the insurance contract;  relatives being spouses, life partners within the meaning of the German Civil Partnership Act or of comparable partnerships under the law of other states, parents and children, adoptive parents and children, parents in law and children in law, step parents and step children, grandparents and grandchildren, siblings, and foster parents and foster children (persons connected with one another by a relationship similar to a family relationship and intended to last longer term);  by your legal representatives or carers, if you are a person lacking legal capacity, of limited legal capacity or under guardianship;  by your legal representatives, if you are a legal person under private or public law or an unincorporated association;  by your partners with unlimited personal liability, if you are a general partnership, limited partnership or civil law partnership;  by your partners, if you are a registered partnership company;  by your liquidators, compulsory administrators and insolvency administrators. On clauses A-6.2.4 and A-6.2.5: the exclusions under clause A-6.2.4 and clause A-6.2.5 b. to g. also extend to liability claims of relatives of the persons named there who live with them in a common household.

A-6.2.6 Liability claims for damage to third party property and all financial loss arising from it, where you hired, leased, rented, borrowed or obtained those items through unlawful interference, or where they are the subject of a special contract of safekeeping. On clause A-6.2.6: where the conditions of the exclusions in clause A-6.2.6 are met in the person of your employees, workers, staff, authorised representatives or agents, cover likewise ceases, both for you and for any persons co-insured under the insurance contract.

A-6.2.7 Liability claims for losses arising from the exchange, transmission and provision of electronic data, so far as they concern losses from  deletion, suppression, rendering unusable or alteration of data,  failure to record data or faulty storage of data,  disruption of access to electronic data exchange,  transmission of confidential data or information.

A-6.2.8 Liability claims for losses arising from infringements of personality rights or name rights.

A-6.2.9 Liability claims for losses arising from hostility, harassment, molestation, unequal treatment or other discrimination.