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A-10 Jet ski clause, Watercraft Hull Insurance, Basis Plus
From Watercraft Hull Insurance, Basis Plus, AVB WSK Basis Plus (5-2025nam). 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.
If you have insured a jet ski and this is documented in your policy schedule or its endorsements, the following provisions apply by way of amendment to these conditions:
A-10.1 Deductible.
A-10.1.1 The provision under A-4.4 does not apply.
A-10.1.2 By way of derogation from A-4.3, the following applies: the deductible is always deducted.
A-10.2 Obligations before the occurrence of the insured event. At night (22:00 to 08:00) and during your permanent absence from the berth (including in winter storage), the jet ski must be secured against unauthorised use, for example by being placed in a locked room, building or property, secured with a safety line to a jet ski pontoon, or housed in a marina in a way protected against external interference. Permanent absence is a period during which use of the jet ski is interrupted for a longer time and separate securing measures are typically required by objective standards.
A-10.4 Exclusions.
A-10.4.1 By way of derogation from A-6.5, wilful and malicious damage to the jet ski by third parties is co-insured even where it is not stored on a fenced, locked site or in a locked building.
A-10.4.2 In addition to A-6, damage to the engine through water hammer is excluded from cover, unless the damage arose as a direct consequence of a collision of the jet ski with a fixed object.
A-10.4.3 In addition to A-6, damage to the hull of the jet ski is excluded so far as the damage does not restrict use for the intended purpose. (The German original has no A-10.3.)
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