2.1.2 Co-insurance (A), Legal Expenses Insurance, Basis

Co-insured are:  your spouse or registered civil partner,  your unmarried or unregistered partner living with you in the same household,  the minor children of you and of your co-insured partner (including stepchildren, adopted children and foster children),  the unmarried adult children of you and of your co-insured partner (including stepchildren, adopted children and foster children). The children must not be living in a registered civil partnership. The co-insurance of adult children ends in any event at the point at which they first take up an occupation intended to be permanent and receive an income for it. It also ends when your adult child has completed training and claims social benefits (for example unemployment benefit, "Hartz IV"), All provisions of this legal expenses contract also apply to these co-insured persons. If a co-insured person requests cover, you may object. (Why may you object if a co-insured person requests cover? You are our policyholder and may, for example, decide whether we are to pay costs for co-insured persons.) Exception: you may not object in the case of your spouse or registered civil partner. Cover also exists for claims to which natural persons are entitled by law if you or a co-insured person has been injured or killed. (Example: if you are seriously injured in a traffic accident, your closest relatives have cover and can use it to assert maintenance claims against the other party to the accident. A "natural person" is a human being, as opposed to a "legal person", which is for example a GmbH, an AG or a registered association.) In traffic legal expenses cover the following also applies (V): German law applies to the contract. The German wording of the conditions alone is binding; this translation is provided for understanding only. Insured are all persons (co-insured persons) in their capacity as authorised drivers or authorised passengers of the insured watersports craft. (Authorised is every person who operates or uses the watersports craft with your consent.)