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

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. 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 draws 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 demands cover, you may object. (Why can you object if a co-insured person demands cover? You are our policyholder and may decide, for example, whether we should pay costs for co-insured persons.) Exception: you cannot object in the case of your spouse or registered civil partner. Cover also exists for claims to which natural persons are entitled by law where you or a co-insured person have been injured or killed. (Example: if you are seriously injured in a traffic accident, your next of kin 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”; that is, for example, a GmbH, an AG or an association.) In traffic legal expenses cover the following also applies (V): Insured are all persons (co-insured persons) in their capacity as authorised driver or authorised passenger of the insured watersports craft (authorised is any person who drives or uses the watersports craft with your consent.)