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A-6 Exclusions, Watercraft Hull Insurance, Premium
Clause A-6, Exclusions, from Watercraft Hull Insurance, Premium, AVB WSK Premium (1-2025nam).
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-6.1 The following perils are excluded:
A-6.1.1 to A-6.1.5: same wording in Hull Basis, clause A-5
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, rats or mice; rust, oxidation, corrosion, osmosis or cavitation. For boats up to an age of 48 months, however, osmosis damage is co-insured; 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 during participation in motorboat races (including jet boat races) or in practice runs connected with them, unless another agreement has been made in the policy. For regattas of any kind, however, cover exists; during uses other than those named in the policy schedule.
A-6.4 to A-6.5: same wording in Hull Basis Plus, clause A-6
A-6.6: same wording in Hull Basis, clause A-5
A-6.7: same wording in Hull Basis Plus, clause A-6
A-6.8 In the case of theft, the agreed deductible is applied, unless the boat was demonstrably kept in a locked room, building or on an enclosed property.
A-6.9 Third party liability claims are in principle excluded from cover under these conditions.
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