4.2 Further special rules of conduct / obligations in traffic legal expenses cover (V), Legal Premium

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 authorised to drive the craft.  The watersports craft must, where required by law, be registered, and the boat trailer must bear 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 means the persons acted without fault or with no more than slight negligence. If the breach was grossly negligent, we are entitled to reduce our payment in proportion 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 extent of the payment to be made by us. 5 In which countries are you insured? (A)