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From Watercraft Liability Insurance, Basis, AVB WSH Basis (1-2025nam). German law applies to the contract and the German wording alone is binding. This English text is a courtesy so that you can read what you are buying. It is not a contract document. Where the English and the German text differ, the German text decides: read this clause in German.
This number is a heading. The wording is in the numbers below it, which follow here in full.
A subsequent premium falls due, in accordance with the agreed payment frequency, at the beginning of the month or of the year, or at another agreed time. Payment counts as timely if it is initiated by the due date.
If a subsequent premium is not paid on time, you fall into default without a reminder. This applies only if you are responsible for the late payment. If you are in default with the payment of a subsequent premium, the insurer is entitled to demand compensation for the loss caused by the default.
If a subsequent premium is not paid on time, the insurer may request payment from you at your cost in text form (for example email, fax or letter) and set a payment deadline (a reminder). The payment deadline must be at least two weeks from receipt of the request for payment. The reminder is effective only if the insurer itemises, per contract, the outstanding amounts of premium, interest and costs, and points out the legal consequences (release from the obligation to pay, and the right to cancel).
If an insured event occurs after the payment deadline set in the reminder has expired, and at the time of the insured event you are in default with payment of the premium or of interest or costs, the insurer is released from the obligation to pay. German law applies to the contract. The German wording of the conditions alone is binding; this translation is provided for understanding only.
If you are in default with payment of the amounts owed, the insurer may, after expiry of the payment deadline set in the reminder, cancel the contract with immediate effect without observing a period of notice. The cancellation may be combined with the setting of the payment deadline. On expiry of the deadline the cancellation becomes effective if you are in default with payment at that time. The insurer must draw your attention to this expressly when cancelling.
The cancellation becomes ineffective if payment is initiated within one month of the cancellation. Where the cancellation was combined with the payment deadline, it becomes ineffective if payment is initiated within one month of the deadline expiring. The insurer's release from the obligation to pay under B-3.4 continues until payment is made.
1 If you are responsible for the premium not being collectable despite repeated attempts at collection, the insurer is entitled to cancel the SEPA direct debit mandate in text form (for example email, fax or letter). 2 In the cancellation the insurer will point out that you are obliged to transmit the outstanding premium to the insurer yourself. 3 Handling fees charged by banks for a failed direct debit collection are invoiced to you by the insurer.
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