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A-3 Scope of the insurance, Watercraft Hull Insurance, Basis
Clause A-3, Scope of the insurance, from Watercraft Hull Insurance, Basis, AVB WSK Basis (5-2025nam).
German law applies; only the German wording is binding.
This English text is a courtesy so you can read what you buy, not a contract document.
Where the two differ, the German text decides:
A-3.1 Cover exists for total loss of or damage to the craft including its co-insured parts through the following events:
A-3.1.2 Natural forces such as storm and hail, lightning strike and earthquake. Storm is a weather related movement of air of at least force 8 on the Beaufort scale (wind speed 62 km/h). Hail is solid precipitation in the form of grains of ice. Lightning strike is the direct passage of lightning to property. Overvoltage, overcurrent or short circuit damage to electrical installations and devices may also be lightning damage. Earthquake is a naturally caused tremor of the ground triggered by geophysical processes inside the earth.
A-3.1.3 Fire and explosion. Fire means a fire with flames that arose without a hearth intended for it, or left such a hearth, and is able to spread under its own power. Explosion is a suddenly occurring release of force based on the tendency of gases or vapours to expand.
A-3.1.4 Insured is theft of the entire craft. Note on the numbering: the German original begins this list at A.3.1.2. There is no A-3.1.1.
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