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A-1.4 Extended definition of accident, Watercraft Accident Insurance, Basis
Clause A-1.4, Extended definition of accident, from Watercraft Accident Insurance, Basis, AVB WSU Basis (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-1.4.1 Exertion of force. It also counts as an accident where the insured person, through increased exertion of force, German law applies to the contract. The German wording of the conditions alone is binding; this translation is provided for understanding only. 1 dislocates a joint of the limbs or the spine. Example: the insured person braces a heavy object and in doing so dislocates their elbow joint. 2 strains or tears muscles, tendons, ligaments or capsules of the limbs or the spine. Example: the insured person slips while boarding the boat and in doing so strains the muscles of the shoulder. The meniscus and intervertebral discs are neither muscles, tendons, ligaments nor capsules. They are therefore not covered by this provision. An increased exertion of force is a movement whose use of muscle goes beyond the normal activities of daily life. The individual physical condition of the insured person is decisive for assessing the use of muscle.
A-1.4.3 Further insured events., Accident Basis
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