4.2 Further special rules of conduct and duties in traffic legal expenses cover (V), Legal Expenses Insurance, Basis

If we are to take on an insured event for you, the following conditions must be met:  The driver must hold the prescribed licence when the insured event occurs.  The driver must be entitled to operate the craft.  The watersports craft must be registered where required by law, and the boat trailer must have an insurance plate (a so called number plate). What happens if these conditions are breached? Then cover exists only for those insured persons who knew nothing of this breach, that is, persons who acted without fault or with no more than slight negligence. If the breach was grossly negligent, we are entitled to reduce our benefit according to the severity of the fault. (Example of "grossly negligent conduct": someone breaches the generally customary care to an unusually high degree.) If the insured person proves that their lack of knowledge was not grossly negligent, cover remains in place. Cover also remains in place in the following cases: The insured person or the driver proves that the breach was not the cause of  the occurrence of the insured event,  the establishment of the insured event, or  the scope of the benefit to be provided by us. 5 In which countries are you insured? (A)