A-6 Exclusions, Watercraft Hull Insurance, Basis Plus

A-6.1 The following perils are excluded:

A-6.1.1 war, civil war or warlike events, and the presence of instruments of war as a consequence of one of these perils;

A-6.1.2 the hostile use of instruments of war, irrespective of whether the use is connected with war, civil war or warlike events;

A-6.1.3 the use of chemical, biological or biochemical substances or of electromagnetic waves as weapons with an effect dangerous to the public, or the use of electronic means to cause harm, without regard to other contributing causes;

A-6.1.4 nuclear energy or other ionising radiation. Compensation for damage caused by nuclear energy is governed in the Federal Republic of Germany by the Atomic Energy Act. Operators of nuclear installations are obliged to German law applies to the contract. The German wording of the conditions alone is binding; this translation is provided for understanding only. provide cover and take out, among other things, liability insurance for that purpose;

A-6.1.5 strike, lockout, industrial unrest, terrorist or political acts of violence, irrespective of the number of persons involved, riot and other civil commotion;

A-6.1.6 confiscation, deprivation or other acts of sovereign authority.

A-6.2 We pay no compensation for losses caused by  the craft being unfit to travel or unseaworthy from the outset;  the craft being operated by an unqualified person and without holding the licence officially prescribed for the craft and/or for the cruising area;  loose objects of any kind being lost or going overboard;  design, manufacturing or material defects, and wear in ordinary use, in each case on the parts directly affected; any damage to or loss of insured items as a direct consequence of this is co-insured;  operational damage to machinery, which also includes direct short circuit damage and its consequential damage;  defective maintenance or a maintenance backlog;  rot, mould, woodworm, animal bite;  rust, oxidation, corrosion, osmosis or cavitation;  weather influences such as rain, snow, ice, heat, frost or the effect of the sun, unless they arose as a consequence of storm;  embezzlement or fraud;  breaches of official regulations, of the regulations of a transport undertaking, and damage through a court order or enforcement;  improper loading and securing during transport;  theft of loose parts that were not properly packed, covered and lashed down, or that were inside the watercraft while it was unlocked.

A-6.3 We further pay no compensation for losses arising  where the watercraft lies unmanned off an open coast for more than 48 hours and it is not ensured that the watercraft can be moved without delay if danger threatens;  during participation in motorboat races (including jet ski races) or in practice runs connected with them, unless another agreement has been made in the policy;  through participation in regattas. For club regattas, cover exists;  during uses other than those named in the policy schedule.

A-6.4 Not insured is damage to personal effects under clause A-1.2 and to boat trailers under clause A-1.3 b., so far as it was not caused by accident of the craft, by force majeure such as storm, lightning strike, earthquake, fire or explosion, or lost through theft.

A-6.5 We pay no compensation for theft, burglary or wilful and malicious damage to the watercraft by third parties where it is stored improperly ashore on an unenclosed, unlocked site or in an unlocked building. Waterside properties count as enclosed if only the water side is open.

A-6.6 We pay no compensation for theft of the trailer where it has not been protected against unauthorised uncoupling from the towing vehicle by an additional chain or steel cable and security lock, or by a comparable securing device available from specialist dealers. The same applies where, when the trailer is parked uncoupled, it has not been secured by a device available from specialist dealers against unauthorised coupling, or by a wheel clamp. German law applies to the contract. The German wording of the conditions alone is binding; this translation is provided for understanding only.

A-6.7 We pay no compensation for damage to the outboard engine where it has not been secured by a locking bolt or a comparable anti theft device, or stored in a locked building.

A-6.8 We pay no compensation for theft of the trailered boat where the trailer has not been secured against unauthorised coupling by a commercially available coupling lock. The boat must also be secured to the trailer by a chain or with a lock.

A-6.8 Indirect losses (diminution in value, impairment of racing capability, lost benefits of use and so on) are not compensated. For example, we make no compensation payment if you cannot use or hire out your craft because of a repair that takes a long time. (The German original numbers this clause A-6.8 a second time.) A-6.9 Third party liability claims are in principle excluded from cover under these conditions.