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A-4.1 Excluded accidents, Watercraft Accident Insurance, Basis
Clause A-4.1, Excluded accidents, 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:
There is no cover for the following accidents:
A-4.1.1 Accidents suffered by the insured person through disturbances of consciousness and through strokes, epileptic fits or other seizures that take hold of the whole body of the insured person. A disturbance of consciousness exists where the insured person's ability to perceive and react is impaired to such an extent that they are no longer equal to the demands of the specific dangerous situation. Causes of the disturbance of consciousness may be: an impairment of health, the taking of medicines, consumption of alcohol, consumption of drugs or other substances that impair consciousness. German law applies to the contract. The German wording of the conditions alone is binding; this translation is provided for understanding only. Exception: the disturbance of consciousness or the fit was caused by an accident event under A-1.3 for which cover exists under this contract. In these cases the exclusion does not apply.
A-4.1.2 Accidents that befall the insured person because they intentionally commit or attempt to commit a criminal offence.
A-4.1.3 Accidents caused directly or indirectly by events of war or civil war. Exceptions: 1 The insured person is surprised by events of war or civil war while travelling abroad. In this case the exclusion does not apply. This cover ends at the end of the 14th day after the beginning of a war or civil war on the territory of the state in which the insured person is staying. There is no cover when travelling into or through states on whose territory war or civil war already prevails, nor for persons who go to the crisis area in expectation of a possible war or civil war, on active participation in the war or civil war, for accidents caused by atomic, biological or chemical weapons. l when travelling into or through states on whose territory war or civil war already prevails, nor for persons who go to the crisis area in expectation of a possible war or civil war, l on active participation in the war or civil war, l for accidents caused by atomic, biological or chemical weapons. 2 Insured are the consequences of accidents through terrorist attacks committed outside the territories of the party waging war, and through violent clashes and civil unrest, where the insured person did not take part on the side of those causing the unrest. l terrorist attacks committed outside the territories of the party waging war, and through l violent clashes and civil unrest, A-4.1.4 Accidents that befall the insured person because they take part in motor vehicle racing events, including the associated practice runs, in which the aim is to reach maximum speeds.
A-4.1.5 Accidents suffered by the insured person as a professional diver or professional sportsperson.
A-4.1.6 Accidents suffered by persons whose occupation involves the maintenance and care of the boat (employees and paid boat attendants).
A-4.1.7 Accidents that befall the insured person because you or a legal representative brought them about intentionally.
A-4.1.8 Accidents caused directly or indirectly by nuclear energy.
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