A-4.1 Excluded accidents, Watercraft Accident Insurance, Premium

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 seizures or other convulsive seizures that affect the whole body of the insured person. A disturbance of consciousness exists where the insured person's ability to take in information and to react is impaired to such an extent that they are no longer able to cope with the demands of the specific dangerous situation. Causes of the disturbance of consciousness may be:  an impairment of health, German law applies to the contract. The German wording of the conditions alone is binding; this translation is provided for understanding only.  the taking of medication,  consumption of alcohol,  consumption of drugs or other substances that impair consciousness. Exception: The disturbance of consciousness or the seizure 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: same wording in Accident Basis, clause A-4.1

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 expires 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 on journeys 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, in the event of active participation in the war or civil war, for accidents caused by atomic, biological or chemical weapons. l on journeys 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 in the event of 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 caused by terrorist attacks committed outside the territories of the party waging war, and by violent clashes and civil unrest, where the insured person did not take part on the side of the instigators. l terrorist attacks committed outside the territories of the party waging war, and by l violent clashes and civil unrest, A-4.1.4 Accidents suffered by the insured person as a professional diver or professional athlete.

A-4.1.5 to A-4.1.6: same wording in Accident Basis, clause A-4.1

A-4.1.7 Accidents caused directly or indirectly by nuclear energy.