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