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Every clause has its own address
These are the wordings of our boat insurance, published as text. A PDF can be downloaded, but it cannot be quoted or linked. Here every clause can be opened on its own: you can send it to someone and put it next to the same number in another tariff. 633 clauses are available in English, the full set of 638 in German.
German law applies; only the German wording is binding. The English text is a courtesy so that you can read what you are buying. It is not a contract document. Where the English and the German text differ, the German text decides.
Available in English
Watercraft Hull Insurance, Basis
AVB WSK Basis (5-2025nam), 23 clauses
- A-1 Subject matter of the insurance, Hull Basis
- A-2 Geographical scope, Hull Basis
- A-3 Scope of the insurance, Hull Basis
- A-4 Mitigation of loss, salvage and wreck removal costs, Hull Basis
- A-5 Exclusions, Hull Basis
- A-6 Causing the insured event, Hull Basis
- A-7 Insured value, Hull Basis
- A-8 Amount of the indemnity, Hull Basis
- A-9 Jet ski clause, Hull Basis
- A-10 Electric or hybrid boat clause, Hull Basis
- A-11 Private hiring out for up to 30 days in the insurance year, Hull Basis
- A-12 Hiring out for more than 30 days in the insurance year, commercial hiring out, Hull Basis
- A-13 Disposal of the insured item, Hull Basis
- B-1 Inception of cover, payment of the premium, Hull Basis
- B-2 Term and end of the contract, cancellation, Hull Basis
- B-3 Obligations, Hull Basis
- B-4 Increase in risk, Hull Basis
- B-5 Due date of the payment after an insured event, Hull Basis
- B-6 Premium adjustment and right of cancellation after a premium adjustment, Hull Basis
- B-7 Embargo provision, Hull Basis
- C-1 Declarations and notifications, change of address, Hull Basis
- C-2 Court and local jurisdiction, applicable law, Hull Basis
- C-3 Final provision, Hull Basis
Watercraft Hull Insurance, Basis Plus
AVB WSK Basis Plus (5-2025nam), 27 clauses
- A-1 Subject matter of the insurance, Hull Basis Plus
- A-2 Geographical scope, Hull Basis Plus
- A-3 Scope of the insurance, Hull Basis Plus
- A-4 Deductible, Hull Basis Plus
- A-5 Mitigation of loss, salvage and wreck removal costs, Hull Basis Plus
- A-6 Exclusions, Hull Basis Plus
- A-7 Causing the insured event, Hull Basis Plus
- A-8 Insured value, Hull Basis Plus
- A-9 Amount of the indemnity, Hull Basis Plus
- A-10 Jet ski clause, Hull Basis Plus
- A-11 Electric or hybrid boat clause, Hull Basis Plus
- A-12 Private hiring out for up to 30 days in the insurance year, Hull Basis Plus
- A-13 Hiring out for more than 30 days in the insurance year, commercial hiring out, Hull Basis Plus
- A-14 Additional machinery cover, Hull Basis Plus
- A-15 Motorboat and jet ski races, Hull Basis Plus
- A-16 No claims discount, Hull Basis Plus
- A-17 Disposal of the insured item, Hull Basis Plus
- B-1 Inception of cover, payment of the premium, Hull Basis Plus
- B-2 Term and end of the contract, cancellation, Hull Basis Plus
- B-3 Obligations, Hull Basis Plus
- B-4 Increase in risk, Hull Basis Plus
- B-5 Due date of the payment after an insured event, Hull Basis Plus
- B-6 Premium adjustment and right of cancellation after a premium adjustment, Hull Basis Plus
- B-7 Embargo provision, Hull Basis Plus
- C-1 Declarations and notifications, change of address, Hull Basis Plus
- C-2 Court and local jurisdiction, applicable law, Hull Basis Plus
- C-3 Final provision, Hull Basis Plus
Watercraft Liability Insurance, Basis
AVB WSH Basis (1-2025nam), 49 clauses
- A-1 Subject matter of the insurance, Liability Basis
- A-1.1 General watercraft liability, Basis
- A-1.2 Hired and chartered watercraft, Liability Basis
- A-2 Insured risk, Liability Basis
- A-3 Provisional cover for new risks, Liability Basis
- A-4 Benefits under the insurance, Liability Basis
- A-5 Required licence to operate, Liability Basis
- A-6 Exclusions, Liability Basis
- A-7 Losses abroad, Liability Basis
- A-8 Domestic insured events asserted abroad, Liability Basis
- A-8.1 The following claims remain excluded from cover:, Liability Basis
- A-8.2 Abweichend von A-13.1.4 werden folgende Kosten und Aufwendungen als Leistungen auf …, Liability Basis
- A-9 Damage to waters, Liability Basis
- A-10 Public law duties or claims for the remediation of environmental damage under the, Liability Basis
- A-10.4 Not insured, Liability Basis
- A-11 Limitation of the benefit, Liability Basis
- A-12 Assignment of claims, Liability Basis
- B-1 Inception of the insurance, Liability Basis
- B-2 Payment of the first or single premium, Liability Basis
- B-2.1 Due date of the first or single premium, Liability Basis
- B-2.2 Legal consequences of late payment of the first or single premium, Liability Basis
- B-2.3 Failed direct debit collection, Liability Basis
- B-3 Payment of subsequent premiums, Liability Basis
- B-3.1 Due date of subsequent premiums, Liability Basis
- B-3.2 Default and damages, Liability Basis
- B-3.3 Reminder, Liability Basis
- B-3.4 Release from the obligation to pay after a reminder, Liability Basis
- B-3.5 Cancellation after a reminder, Liability Basis
- B-3.6 Payment of the premium after cancellation, Liability Basis
- B-3.7 Failed direct debit collection, Liability Basis
- B-4 Term and end of the insurance, cancellation, Liability Basis
- B-4.1 Term and end of the insurance contract, cessation of the insured interest, Liability Basis
- B-4.2 Cancellation, Liability Basis
- B-5 Obligations before conclusion of the contract, and before and after the occurrence of the, Liability Basis
- B-5.1 Pre contractual duty of disclosure, Liability Basis
- B-5.2 Obligations before the occurrence of the insured event, Liability Basis
- B-5.3 Obligations after the occurrence of the insured event, Liability Basis
- B-5.4 Legal consequences of a breach of obligation, Liability Basis
- B-6 Premium adjustment and right of cancellation after a premium adjustment, Liability Basis
- B-7 Embargo provision, Liability Basis
- C-1 Declarations and notifications, change of address, Liability Basis
- C-1.1 Form, competent office, Liability Basis
- C-1.2 Failure to notify a change of address or name, Liability Basis
- C-1.3 Limitation, Liability Basis
- C-2 Court and local jurisdiction, applicable law, Liability Basis
- C-2.1 Actions against the insurer, Liability Basis
- C-2.2 Actions against you, Liability Basis
- C-2.3 Applicable law, Liability Basis
- C-3 Final provision, Liability Basis
Watercraft Hull Insurance, Premium
AVB WSK Premium (1-2025nam), 28 clauses
- A-1 Subject matter of the insurance, Hull Premium
- A-2 Geographical scope, Hull Premium
- A-3 Scope of the insurance, Hull Premium
- A-4 Deductible, Hull Premium
- A-5 Mitigation of loss, salvage and wreck removal costs, Hull Premium
- A-6 Exclusions, Hull Premium
- A-7 Causing the insured event, Hull Premium
- A-8 Insured value = agreed value, Hull Premium
- A-9 Amount of the indemnity, Hull Premium
- A-10 Jet ski clause, Hull Premium
- A-11 Electric or hybrid boat clause, Hull Premium
- A-12 Private hiring out for up to 30 days in the insurance year, Hull Premium
- A-13 Hiring out for more than 30 days in the insurance year, commercial hiring out, Hull Premium
- A-14 Additional machinery cover, Hull Premium
- A-15 Motorboat and jet ski races, Hull Premium
- A-16 Performance guarantee, Hull Premium
- A-17 No claims discount, Hull Premium
- A-18 Disposal of the insured item, Hull Premium
- B-1 Inception of cover, payment of the premium, Hull
- B-2 Term and end of the contract, cancellation, Hull Premium
- B-3 Obligations, Hull Premium
- B-4 Increase in risk, Hull Premium
- B-5 Due date of the payment after an insured event, Hull Premium
- B-6 Premium adjustment and right of cancellation after a premium adjustment, Hull
- B-7 Embargo provision, Hull Premium
- C-1 Declarations and notifications, change of address, Hull Premium
- C-2 Court and local jurisdiction, applicable law, Hull Premium
- C-3 Final provision, Hull Premium
Watercraft Liability Insurance, Basis Plus
AVB WSH Basis Plus (01-2025nam), 60 clauses
- A-1 Subject matter of the insurance, Liability Basis Plus
- A-1.1 General watercraft liability, Basis Plus
- A-1.2 Hired and chartered watercraft, Liability Basis Plus
- A-1.3 Tenders, Liability Basis Plus
- A-1.4 Boat trailers, Liability Basis Plus
- A-1.5 Co-insured risks, Liability Basis Plus
- A-2 Insured risk, Liability Basis Plus
- A-3 Provisional cover for new risks, Liability Basis Plus
- A-4 Benefits under the insurance, Liability Basis Plus
- A-4.1 Cover comprises, Liability Basis Plus
- A-5 Required licence to operate, Liability Basis Plus
- A-6 Exclusions, Liability Basis Plus
- A-7 Losses abroad, Liability Basis Plus
- A-8 Domestic insured events asserted abroad, Liability Basis Plus
- A-8.1 The following claims remain excluded from cover:, Liability Basis Plus
- A-9 Damage to waters, Liability Basis Plus
- A-10 Public law duties or claims for the remediation of environmental damage under, Liability Basis Plus
- A-10.4 Not insured, Liability Basis Plus
- A-11 Financial loss, Liability Basis Plus
- A-11.2 Excluded are claims for losses, Liability Basis Plus
- A-12 Cover for uncollectable claims, Liability Basis Plus
- A-12.3 Conditions for the obligation to pay, Liability Basis Plus
- A-12.4 Failed attempt at enforcement, Liability Basis Plus
- A-12.5 Further conditions for the obligation to pay are that, Liability Basis Plus
- A-12.6 The following claims are not insured:, Liability Basis Plus
- A-13 Limitation of the benefit, Liability Basis Plus
- A-13.1 Maximum sums of cover per insured event and insurance year:, Liability Basis Plus
- A-14 Assignment of claims, Liability Basis Plus
- A-15 Search and assistance costs, Liability Basis Plus
- A-16 Security deposit, Liability Basis Plus
- B-1 Inception of the insurance, Liability Basis Plus
- B-2 Payment of the first or single premium, Liability Basis Plus
- B-2.1 Due date of the first or single premium, Liability Basis Plus
- B-2.2 Legal consequences of late payment of the first or single premium, Liability Basis Plus
- B-3 Payment of subsequent premiums, Liability Basis Plus
- B-3.1 Due date of subsequent premiums, Liability Basis Plus
- B-3.2 Default and damages, Liability Basis Plus
- B-3.3 Reminder, Liability Basis Plus
- B-3.4 Release from the obligation to pay after a reminder, Liability Basis Plus
- B-3.5 Cancellation after a reminder, Liability Basis Plus
- B-3.6 Payment of the premium after cancellation, Liability Basis Plus
- B-4 Term and end of the insurance, cancellation, Liability Basis Plus
- B-4.1 Term and end of the insurance contract, cessation of the insured interest, Liability Basis Plus
- B-4.2 Cancellation, Liability Basis Plus
- B-5 Obligations before conclusion of the contract, and before and after the, Liability Basis Plus
- B-5.1 Pre contractual duty of disclosure, Liability Basis Plus
- B-5.2 Obligations before the occurrence of the insured event, Liability Basis Plus
- B-5.3 Obligations after the occurrence of the insured event, Liability Basis Plus
- B-5.4 Legal consequences of a breach of obligation, Liability Basis Plus
- B-6 Premium adjustment and right of cancellation after a premium adjustment, Liability Basis Plus
- B-7 Embargo provision, Liability Basis Plus
- C-1 Declarations and notifications, change of address, Liability Basis Plus
- C-1.1 Form, competent office, Liability Basis Plus
- C-1.2 Failure to notify a change of address or name, Liability Basis Plus
- C-1.3 Limitation, Liability Basis Plus
- C-2 Court and local jurisdiction, applicable law, Liability Basis Plus
- C-2.1 Actions against the insurer, Liability Basis Plus
- C-2.2 Actions against you, Liability Basis Plus
- C-2.3 Applicable law, Liability Basis Plus
- C-3 Final provision, Liability Basis Plus
Watercraft Liability Insurance, Premium
AVB WSH Premium (01-2025nam), 63 clauses
- A-1 Subject matter of the insurance, Liability Premium
- A-1.1 General watercraft liability, Premium
- A-1.2 Hired and chartered watercraft, Liability Premium
- A-1.3 Tenders, Liability Premium
- A-1.4 Boat trailers, Liability Premium
- A-1.5 Co-insured risks, Liability Premium
- A-2 Insured risk, Liability Premium
- A-3 Provisional cover for new risks, Liability Premium
- A-4 Benefits under the insurance, Liability Premium
- A-4.1 Cover comprises, Liability Premium
- A-5 Required licence to operate, Liability Premium
- A-6 Exclusions, Liability Premium
- A-7 Losses abroad, Liability Premium
- A-8 Domestic insured events asserted abroad, Liability Premium
- A-8.1 The following claims remain excluded from cover:, Liability Premium
- A-8.2 Abweichend von A-13.1.4 werden folgende Kosten und Aufwendungen als Leistungen auf …, Liability Premium
- A-9 Damage to waters, Liability Premium
- A-10 Public law duties or claims for the remediation of environmental damage under, Liability Premium
- A-10.4 Not insured, Liability Premium
- A-11 Financial loss, Liability Premium
- A-11.2 Excluded are claims for losses, Liability Premium
- A-12.3 Conditions for the obligation to pay, Liability Premium
- A-12.4 Failed attempt at enforcement, Liability Premium
- A-12.5 Further conditions for the obligation to pay are that, Liability Premium
- A-12.6 The following claims are not insured:, Liability Premium
- A-12.7 Assignment of the claims against the party causing the damage, Liability Premium
- A-13 Limitation of the benefit, Liability Premium
- A-13.1 Maximum sums of cover per insured event and insurance year, Liability Premium
- A-14 Assignment of claims, Liability Premium
- A-15 Extended scope of cover (Premium), Liability
- A-15.2 Search and assistance costs, Liability Premium
- A-16 Security deposit, Liability Premium
- A-17 Performance guarantee, Liability Premium
- B-1 Inception of the insurance, Liability Premium
- B-2 Payment of the first or single premium, Liability
- B-2.1 Due date of the first or single premium, Liability
- B-2.2 Legal consequences of late payment of the first or single premium, Liability
- B-3 Payment of subsequent premiums, Liability
- B-3.1 Due date of subsequent premiums, Liability
- B-3.2 Default and damages, Liability Premium
- B-3.3 Reminder, Liability Premium
- B-3.4 Release from the obligation to pay after a reminder, Liability Premium
- B-3.5 Cancellation after a reminder, Liability Premium
- B-3.6 Payment of the premium after cancellation, Liability
- B-4 Term and end of the insurance, cancellation, Liability Premium
- B-4.1 Term and end of the insurance contract, cessation of the insured interest, Liability Premium
- B-4.2 Cancellation, Liability Premium
- B-5 Obligations before conclusion of the contract, and before and after the, Liability Premium
- B-5.1 Pre contractual duty of disclosure, Liability Premium
- B-5.2 Obligations before the occurrence of the insured event, Liability Premium
- B-5.3 Obligations after the occurrence of the insured event, Liability Premium
- B-5.4 Legal consequences of a breach of obligation, Liability Premium
- B-6 Premium adjustment and right of cancellation after a premium adjustment, Liability
- B-7 Embargo provision, Liability Premium
- C-1 Declarations and notifications, change of address, Liability Premium
- C-1.1 Form, competent office, Liability Premium
- C-1.2 Failure to notify a change of address or name, Liability Premium
- C-1.3 Limitation, Liability Premium
- C-2 Court and local jurisdiction, applicable law, Liability Premium
- C-2.1 Actions against the insurer, Liability Premium
- C-2.2 Actions against you, Liability Premium
- C-2.3 Applicable law, Liability Premium
- C-3 Final provision, Liability Premium
Watercraft Accident Insurance, Basis
AVB WSU Basis (1-2025nam), 84 clauses
- A-1 What is insured?, Accident Basis
- A-1.2 Territorial scope, Accident Basis
- A-1.3 Definition of accident, Basis
- A-1.4 Extended definition of accident, Basis
- A-1.4.2 Sonstige unfreiwillige Gesundheitsschäden, Accident Basis
- A-1.4.3 Further insured events., Accident Basis
- A-1.5 Restrictions on our obligation to pay, Accident Basis
- A-2.1 Permanent impairment benefit, Accident Basis
- A-2.1.1.2 Occurrence and medical determination of the permanent impairment. The permanent …, Accident Basis
- A-2.1.1.3 Geltendmachung der Invaliditätsleistung, Accident Basis
- A-2.1.1.4 Keine Invaliditätsleistung bei Unfalltod im ersten Jahr, Accident Basis
- A-2.1.2 Type and amount of the benefit., Accident Basis
- A-2.1.2.2 Assessment of the degree of permanent impairment, period for the assessment. The …, Accident Basis
- A-2.1.2.2.1 Gliedertaxe, Accident Basis
- A-2.1.2.2.2 Bemessung außerhalb der Gliedertaxe, Accident Basis
- A-2.1.2.2.3 Minderung bei Vorinvalidität, Accident Basis
- A-2.1.2.2.4 Degree of permanent impairment where several parts of the body or sensory organs are, Accident Basis
- A-2.1.2.2.5 Invaliditätsleistung bei Tod der versicherten Person, Accident Basis
- A-2.2 Death benefit, Accident Basis
- A-2.2.2 Art und Höhe der Leistung, Accident Basis
- A-2.3 Helmet bonus (applies only to the jet ski tariff), Accident Basis
- A-3 What happens if the consequences of an accident coincide with illnesses or, Basis
- A-3.1 Illnesses and infirmities, Accident Basis
- A-3.2 Contribution, Accident Basis
- A-4 What is not insured?, Accident Basis
- A-4.1 Excluded accidents, Basis
- A-4.2 Excluded damage to health, Accident Basis
- A-6 What must be observed after an accident (obligations)?, Basis
- A-7 What are the consequences of failing to observe obligations?, Accident Basis
- A-8 When do the benefits fall due?, Accident Basis
- A-8.1 Declaration on the obligation to pay, Accident Basis
- A-8.2 Due date of the benefit, Accident Basis
- A-8.3 Advance payments, Accident Basis
- A-8.4 Reassessment of the degree of permanent impairment, Accident Basis
- A-8.5 General notes on benefit claims, Accident Basis
- B1-1 Inception of cover, Accident Basis
- B1-2 Payment of the premium, insurance period, Accident Basis
- B1-2.2 Insurance period, Accident Basis
- B1-2.3 Insurance tax, Accident Basis
- B1-3.1 Due date of the first or single premium, Accident Basis
- B1-3.2 Our right of rescission in the event of default, Accident Basis
- B1-3.3 Our release from the obligation to pay, Accident Basis
- B1-4 Subsequent premium, Accident Basis
- B1-4.2 Default and damages, Accident Basis
- B1-4.3 Reminder, Accident Basis
- B1-4.4 Release from the obligation to pay after a reminder, Accident Basis
- B1-4.5 Cancellation after a reminder, Accident Basis
- B1-4.6 Payment of the premium after cancellation, Accident Basis
- B1-5 Payment procedure, Accident Basis
- B1-5.2 Failed collection, Accident Basis
- B1-6 Premium on early termination of the contract, Accident Basis
- B1-6.2 Premium or handling fee on withdrawal, rescission and avoidance, Accident Basis
- B2-1 Term and end of the contract, Accident Basis
- B2-1.2 Tacit renewal, Accident Basis
- B2-1.3 Contract term of less than one year, Accident Basis
- B2-1.4 Cancellation of contracts running for several years, Accident Basis
- B2-2 Cancellation after an insured event, Accident Basis
- B2-2.2 Cancellation by you, Accident Basis
- B2-2.3 Cancellation by us, Accident Basis
- B2-2.4 Cancellation where a need for long term care or a mental illness arises, Accident Basis
- B3-1 Duties of disclosure of you or your representative up to conclusion of the contract, Accident Basis
- B3-1.2 Legal consequences of a breach of the duty of disclosure, Accident Basis
- B3-1.2.2 Kündigung, Accident Basis
- B3-1.2.3 Vertragsänderung, Accident Basis
- B3-1.3 Period and form for exercising our rights, Accident Basis
- B3-1.4 Our duty to inform, Accident Basis
- B3-1.5 Exclusion of our rights, Accident Basis
- B3-1.6 Avoidance, Accident Basis
- B3-1.7 Lapse of our rights, Accident Basis
- B4-1 Declarations and notifications, change of address, Accident Basis
- B4-1.2 Failure to notify a change of address or name, Accident Basis
- B4-2 Authority of the insurance agent, Accident Basis
- B4-2.2 Declarations by us, Accident Basis
- B4-2.3 Payments to the insurance agent, Accident Basis
- B4-3 Limitation, Accident Basis
- B4-4 Court with local jurisdiction, Accident Basis
- B4-4.2 Actions against you, Accident Basis
- B4-5 Applicable law, Accident Basis
- B4-6 Embargo provision, Accident Basis
- B4-7 Insurance for the account of a third party, Accident Basis
- B4-7.2 Payment of the indemnity, Accident Basis
- B4-7.3 Knowledge and conduct, Accident Basis
- B4-8 Legal successors and other claimants, Accident Basis
- B4-9 Assignment and pledging of claims, Accident Basis
Watercraft Accident Insurance, Basis Plus
AVB WSU Basis Plus (1-2025nam), 86 clauses
- A-1 What is insured?, Accident Basis Plus
- A-1.2 Scope of application, Accident Basis Plus
- A-1.3 Definition of accident, Basis Plus
- A-1.4 Extended definition of accident, Basis Plus
- A-1.4.2 Other involuntary damage to health., Accident Basis Plus
- A-1.4.3 Further insured events., Accident Basis Plus
- A-1.5 Restrictions on our obligation to pay, Accident Basis Plus
- A-2.1 Permanent impairment benefit, Accident Basis Plus
- A-2.1.1.2 Onset and medical confirmation of the permanent impairment. The permanent …, Accident Basis Plus
- A-2.1.1.3 Geltendmachung der Invaliditätsleistung, Accident Basis Plus
- A-2.1.1.4 Keine Invaliditätsleistung bei Unfalltod im ersten Jahr, Accident Basis Plus
- A-2.1.2 Type and amount of the benefit., Accident Basis Plus
- A-2.1.2.2 Assessment of the degree of permanent impairment, period for the assessment. …, Accident Basis Plus
- A-2.1.2.2.1 Gliedertaxe, Accident Basis Plus
- A-2.1.2.2.2 Bemessung außerhalb der Gliedertaxe, Accident Basis Plus
- A-2.1.2.2.3 Minderung bei Vorinvalidität, Accident Basis Plus
- A-2.1.2.2.4 Invaliditätsgrad bei Beeinträchtigung mehrerer Körperteile oder Sinnesorgane, Accident Basis Plus
- A-2.1.2.2.5 Invaliditätsleistung bei Tod der versicherten Person, Accident Basis Plus
- A-2.2 Death benefit, Accident Basis Plus
- A-2.2.2 Art und Höhe der Leistung, Accident Basis Plus
- A-2.3 Helmet bonus (applies only to the jet ski tariff), Accident Basis Plus
- A-2.4 Costs of cosmetic operations, Accident Basis Plus
- A-2.4.2 Art und Höhe der Leistung, Accident Basis Plus
- A-3 What happens if the consequences of an accident coincide with illnesses or, Basis Plus
- A-3.1 Illnesses and infirmities, Accident Basis Plus
- A-3.2 Contribution, Accident Basis Plus
- A-4 What is not insured?, Accident Basis Plus
- A-4.1 Excluded accidents, Basis Plus
- A-4.2 Excluded damage to health, Accident Basis Plus
- A-6 What must be observed after an accident (obligations)?, Basis Plus
- A-7 What are the consequences of failing to observe obligations?, Accident Basis Plus
- A-8 When do the benefits fall due?, Accident Basis Plus
- A-8.1 Declaration on the obligation to pay, Accident Basis Plus
- A-8.2 Due date of the benefit, Accident Basis Plus
- A-8.3 Advance payments, Accident Basis Plus
- A-8.4 Reassessment of the degree of permanent impairment, Accident Basis Plus
- A-8.5 General notes in the benefit case, Accident Basis Plus
- B1-1 Inception of cover, Accident Basis Plus
- B1-2 Payment of the premium, insurance period, Accident Basis Plus
- B1-2.2 Insurance period, Accident Basis Plus
- B1-2.3 Insurance tax, Accident Basis Plus
- B1-3.1 Due date of the first or single premium, Accident Basis Plus
- B1-3.2 Our right of rescission in the event of default, Accident Basis Plus
- B1-3.3 Our release from the obligation to pay, Accident Basis Plus
- B1-4 Subsequent premium, Accident Basis Plus
- B1-4.2 Default and damages, Accident Basis Plus
- B1-4.3 Reminder, Accident Basis Plus
- B1-4.4 Release from the obligation to pay after a reminder, Accident Basis Plus
- B1-4.5 Cancellation after a reminder, Accident Basis Plus
- B1-4.6 Payment of the premium after cancellation, Accident Basis Plus
- B1-5 Payment procedure, Accident Basis Plus
- B1-5.2 Failed direct debit collection, Accident Basis Plus
- B1-6 Premium on early termination of the contract, Accident Basis Plus
- B1-6.2 Premium or handling fee on withdrawal, rescission and avoidance, Accident Basis Plus
- B2-1 Term and end of the contract, Accident Basis Plus
- B2-1.2 Tacit renewal, Accident Basis Plus
- B2-1.3 Contract term of less than one year, Accident Basis Plus
- B2-1.4 Cancellation of contracts running for several years, Accident Basis Plus
- B2-2 Cancellation after an insured event, Accident Basis Plus
- B2-2.2 Cancellation by you, Accident Basis Plus
- B2-2.3 Cancellation by us, Accident Basis Plus
- B2-2.4 Cancellation where a need for long term care or a mental illness arises, Accident Basis Plus
- B3-1 Duties of disclosure on your part or on the part of your representative up to, Accident Basis Plus
- B3-1.2 Legal consequences of a breach of the duty of disclosure, Accident Basis Plus
- B3-1.2.2 Kündigung, Accident Basis Plus
- B3-1.2.3 Vertragsänderung, Accident Basis Plus
- B3-1.3 Time limit and form for exercising our rights, Accident Basis Plus
- B3-1.4 Our duty to inform, Accident Basis Plus
- B3-1.5 Exclusion of our rights, Accident Basis Plus
- B3-1.6 Avoidance, Accident Basis Plus
- B3-1.7 Expiry of our rights, Accident Basis Plus
- B4-1 Declarations and notifications, change of address, Accident Basis Plus
- B4-1.2 Failure to notify a change of address or name, Accident Basis Plus
- B4-2 Authority of the insurance agent, Accident Basis Plus
- B4-2.2 Declarations by us, Accident Basis Plus
- B4-2.3 Payments to the insurance agent, Accident Basis Plus
- B4-3 Limitation, Accident Basis Plus
- B4-4 Court of local jurisdiction, Accident Basis Plus
- B4-4.2 Actions against you, Accident Basis Plus
- B4-5 Applicable law, Accident Basis Plus
- B4-6 Embargo provision, Accident Basis Plus
- B4-7 Insurance for the account of a third party, Accident Basis Plus
- B4-7.2 Payment of the indemnity, Accident Basis Plus
- B4-7.3 Knowledge and conduct, Accident Basis Plus
- B4-8 Legal successors and other claimants, Accident Basis Plus
- B4-9 Assignment and pledging of claims, Accident Basis Plus
Watercraft Accident Insurance, Premium
AVB WSU Premium (1-2025nam), 82 clauses
- A-1 What is insured?, Accident Premium
- A-1.2 Scope of validity, Accident Premium
- A-1.3 Definition of accident, Premium
- A-1.4 Extended definition of accident, Premium
- A-1.4.2 Other involuntary damage to health., Accident Premium
- A-1.4.3 Tauchtypische Gesundheitsschäden, Accident Premium
- A-1.4.4 Unfälle bei Fahrtveranstaltungen, Accident Premium
- A-1.4.5 Further insured events., Accident Premium
- A-1.5 Limitations of our obligation to pay, Accident Premium
- A-2.1 Permanent impairment benefit, Accident Premium
- A-2.1.2 Type and amount of the benefit., Accident Premium
- A-2.2 Death benefit, Accident Premium
- A-2.2.2 Art und Höhe der Leistung, Accident Premium
- A-2.3 Helmet bonus (applies only to the jet ski tariff), Accident Premium
- A-2.4 Sea rescue costs, rescue costs and search costs, Accident Premium
- A-2.4.2 Art und Höhe der Leistung, Accident Premium
- A-2.5 Medical emergency costs abroad, Accident Premium
- A-2.5.2 Art und Höhe der Leistung, Accident Premium
- A-2.7 Costs of cosmetic surgery, Accident Premium
- A-2.7.2 Type and amount of the benefit. We reimburse proven, Accident Premium
- A-2.8 Performance guarantee, Accident Premium
- A-3 What happens if the consequences of an accident coincide with illnesses or, Premium
- A-3.1 Illnesses and infirmities, Accident Premium
- A-3.2 Contribution, Accident Premium
- A-4 What is not insured?, Accident Premium
- A-4.1 Excluded accidents, Premium
- A-4.2 Excluded damage to health, Accident Premium
- A-6 What must be observed after an accident (obligations)?, Premium
- A-7 What are the consequences of failing to observe obligations?, Accident Premium
- A-8 When do the benefits fall due?, Accident Premium
- A-8.1 Declaration on the obligation to pay, Accident Premium
- A-8.2 Due date of the benefit, Accident Premium
- A-8.3 Advance payments, Accident Premium
- A-8.4 Reassessment of the degree of permanent impairment, Accident Premium
- A-8.5 General notes in the event of a claim, Accident Premium
- B1-1 Inception of cover, Accident Premium
- B1-2 Payment of the premium, insurance period, Accident
- B1-2.2 Insurance period, Accident Premium
- B1-2.3 Insurance tax, Accident Premium
- B1-3.1 Due date of the first or single premium, Accident
- B1-3.3 Our release from the obligation to pay, Accident Premium
- B1-4 Subsequent premium, Accident
- B1-4.2 Default and damages, Accident Premium
- B1-4.3 Reminder, Accident Premium
- B1-4.4 Release from the obligation to pay after a reminder, Accident Premium
- B1-4.5 Cancellation after a reminder, Accident Premium
- B1-4.6 Payment of the premium after cancellation, Accident
- B1-5 Payment procedure, Accident Premium
- B1-5.2 Failed debit, Accident Premium
- B1-6 Premium on early termination of the contract, Accident
- B1-6.2 Premium or handling fee on withdrawal, rescission and avoidance, Accident
- B2-1 Term and end of the contract, Accident Premium
- B2-1.2 Tacit renewal, Accident Premium
- B2-1.3 Contract term of less than one year, Accident Premium
- B2-1.4 Cancellation of contracts running for several years, Accident Premium
- B2-2 Cancellation after an insured event, Accident Premium
- B2-2.2 Cancellation by you, Accident Premium
- B2-2.3 Cancellation by us, Accident Premium
- B2-2.4 Cancellation on the onset of a need for long term care or of mental illness, Accident Premium
- B3-1 Duties of disclosure on the part of you or your representative up to conclusion, Accident Premium
- B3-1.2.2 Kündigung, Accident Premium
- B3-1.2.3 Vertragsänderung, Accident Premium
- B3-1.3 Period and form for exercising our rights, Accident Premium
- B3-1.4 Our duty to inform, Accident Premium
- B3-1.5 Exclusion of our rights, Accident Premium
- B3-1.6 Avoidance, Accident Premium
- B3-1.7 Lapse of our rights, Accident Premium
- B4-1 Declarations and notifications, change of address, Accident Premium
- B4-1.2 Failure to notify a change of address or name, Accident Premium
- B4-2 Authority of the insurance agent, Accident Premium
- B4-2.2 Declarations by us, Accident Premium
- B4-2.3 Payments to the insurance agent, Accident Premium
- B4-3 Limitation, Accident Premium
- B4-4 Court of local jurisdiction, Accident Premium
- B4-4.2 Actions against you, Accident Premium
- B4-5 Applicable law, Accident Premium
- B4-6 Embargo provision, Accident Premium
- B4-7 Insurance for the account of a third party, Accident Premium
- B4-7.2 Payment of the indemnity, Accident Premium
- B4-7.3 Knowledge and conduct, Accident Premium
- B4-8 Legal successors and other claimants, Accident Premium
- B4-9 Assignment and pledging of claims, Accident Premium
Legal Expenses Insurance, Basis
ARB WRS Basis (1-2025nam), 43 clauses
- 2 What legal expenses cover do you have? (A), Basis
- 2.1 Who and what is insured? (A), Legal Basis
- 2.1.1 Insured areas of life (A), Legal Basis
- 2.1.2 Co-insurance (A), Legal Basis
- 2.2 In which areas of law are you insured (types of cover)? (A), Legal Basis
- 2.2.1 Damages legal expenses cover (V), Basis
- 2.2.2 Administrative legal expenses cover in traffic matters (V), Basis
- 2.2.3 Criminal legal expenses cover (V), Basis
- 2.2.4 Regulatory offences legal expenses cover (V), Basis
- 2.2.5 Legal advice by telephone (A), Basis
- 2.3 Scope of benefits (A), Legal Basis
- 2.3.1 Scope of benefits in Germany (A), Legal Basis
- 2.3.1.3 For traffic legal expenses cover the following applies (V):, Basis
- 2.3.2 Scope of benefits abroad (A), Legal Basis
- 2.3.2.2 For traffic legal expenses cover the following applies (V):, Basis
- 2.3.3 In addition, we provide the following in Germany and abroad:, Legal Basis
- 2.4 Conditions for the entitlement to cover, Legal Basis
- 3 What is not insured? (A), Legal Basis
- 3.1 Exclusions in time, Legal Basis
- 3.2 Exclusions as to content, Legal Basis
- 3.3 Limitation of our obligation to pay, Legal Basis
- 4 What must you observe? (A), Legal Basis
- 4.1 Conduct in the insured event, fulfilment of duties, Legal Basis
- 4.2 Further special rules of conduct and duties in traffic legal expenses cover (V), Basis
- 5.1 Where you have cover, Legal Basis
- 5.2 Where you have cover with restrictions, Legal Basis
- 6.1 Start of cover, Legal Basis
- 6.2 Duration and end of the contract, Legal Basis
- 7.1 Payment of premiums, Legal Basis
- 7.2 Insurance year, Legal Basis
- 7.3 Insurance tax, Legal Basis
- 7.4 Payment and consequences of late payment, first premium, Legal Basis
- 7.4.3 Rescission, Legal Basis
- 7.5 Payment and consequences of late payment, subsequent premium, Legal Basis
- 7.6 Timely payment under a SEPA direct debit mandate, Legal Basis
- 7.7 Premium on early termination of the contract, Legal Basis
- 7.8 Premium adjustment, Legal Basis
- 7.9 Change in material circumstances on which the premium is based, Legal Basis
- 8.1 Statutory limitation, Legal Basis
- 8.2 Limitation is suspended, Legal Basis
- 9.1 Applicable law, Legal Basis
- 9.2 Actions against the insurance company, Legal Basis
- 9.3 Actions against the policyholder, Legal Basis
Legal Expenses Insurance, Basis Plus
ARB WRS Basis Plus (1-2025nam), 43 clauses
- 2 Which legal expenses cover do you have? (A), Basis Plus
- 2.1 Who and what is insured? (A), Legal Basis Plus
- 2.1.1 Insured areas of life (A), Legal Basis Plus
- 2.1.2 Co-insured persons (A), Legal Basis Plus
- 2.2 In which areas of law are you insured (types of cover)? (A), Legal Basis Plus
- 2.2.1 Damages legal expenses cover (V), Basis Plus
- 2.2.3 Legal expenses cover in contract and property law (V), Basis Plus
- 2.2.4 Administrative legal expenses cover in traffic matters (V), Basis Plus
- 2.2.5 Criminal legal expenses cover (V), Basis Plus
- 2.2.6 Regulatory offences legal expenses cover (V), Basis Plus
- 2.2.7 Telephone legal advice (A), Basis Plus
- 2.3 Scope of benefits (A), Legal Basis Plus
- 2.3.1 Scope of benefits in Germany (A), Legal Basis Plus
- 2.3.1.3 For traffic legal expenses cover the following applies (V):, Basis Plus
- 2.3.2 Scope of benefits abroad (A), Legal Basis Plus
- 2.3.2.2 For traffic legal expenses cover the following applies (V):, Basis Plus
- 2.3.3 In addition, we provide the following in Germany and abroad:, Legal Basis Plus
- 2.4 Conditions for entitlement to cover, Legal Basis Plus
- 3 What is not insured? (A), Legal Basis Plus
- 3.1 Exclusions in time, Legal Basis Plus
- 3.2 Exclusions of content, Legal Basis Plus
- 3.3 Restriction of our obligation to pay, Legal Basis Plus
- 4.1 Conduct in the insured event / fulfilment of obligations, Legal Basis Plus
- 4.2 Further special rules of conduct / obligations in traffic legal expenses cover (V), Basis Plus
- 5.1 Here you have cover, Legal Basis Plus
- 5.2 Here you have cover with restrictions, Legal Basis Plus
- 6.1 Start of cover, Legal Basis Plus
- 6.2 Duration and end of the contract, Legal Basis Plus
- 7.1 Premium payment, Legal Basis Plus
- 7.2 Insurance year, Legal Basis Plus
- 7.3 Insurance tax, Legal Basis Plus
- 7.4 Payment and consequences of late payment / first premium, Legal Basis Plus
- 7.4.3 Rescission, Legal Basis Plus
- 7.5 Payment and consequences of late payment / subsequent premium, Legal Basis Plus
- 7.6 Timely payment under a SEPA direct debit mandate, Legal Basis Plus
- 7.7 Premium on early termination of the contract, Legal Basis Plus
- 7.8 Premium adjustment, Legal Basis Plus
- 7.9 Change in material circumstances of premium calculation, Legal Basis Plus
- 8.1 Statutory limitation, Legal Basis Plus
- 8.2 Limitation is suspended, Legal Basis Plus
- 9.1 Applicable law, Legal Basis Plus
- 9.2 Actions against the insurance company, Legal Basis Plus
- 9.3 Actions against the policyholder, Legal Basis Plus
Legal Expenses Insurance, Premium
ARB WRS Premium (1-2025nam), 45 clauses
- 2 What legal expenses cover do you have? (A), Premium
- 2.1 Who and what is insured? (A), Legal Premium
- 2.1.1 Insured areas of life (A), Legal Premium
- 2.1.2 Co-insurance (A), Legal Premium
- 2.2 In which areas of law are you insured (types of cover)? (A), Legal Premium
- 2.2.1 Damages legal expenses cover (V, M), Premium
- 2.2.2 Rental and property legal expenses cover (M), Premium
- 2.2.3 Cover in contract and property law (V), Legal Premium
- 2.2.4 Administrative legal expenses cover in traffic matters (V, M), Premium
- 2.2.5 Criminal legal expenses cover (V, M), Premium
- 2.2.6 Regulatory offences legal expenses cover (V, M), Premium
- 2.2.7 Legal advice by telephone (A), Premium
- 2.3 Scope of benefits (A), Legal Premium
- 2.3.1 Scope of benefits in Germany (A), Legal Premium
- 2.3.1.3 For traffic legal expenses cover the following applies (V):, Premium
- 2.3.2 Scope of benefits abroad (A), Legal Premium
- 2.3.2.2 For traffic legal expenses cover the following applies (V):, Premium
- 2.3.3 In addition, we provide the following in Germany and abroad:, Legal Premium
- 2.4 Conditions for entitlement to cover, Legal Premium
- 3 What is not insured? (A), Legal Premium
- 3.1 Exclusions in time, Legal Premium
- 3.2 Exclusions of content, Legal Premium
- 3.3 Limitation of our obligation to pay, Legal Premium
- 4.1 Conduct in the insured event / fulfilment of obligations, Legal Premium
- 4.2 Further special rules of conduct / obligations in traffic legal expenses cover (V), Premium
- 5.1 Here you have cover, Legal Premium
- 5.2 Here you have cover with restrictions, Legal Premium
- 7 When does your legal expenses insurance begin and end? (A), Premium
- 7.1 Start of cover, Legal Premium
- 7.2 Duration and end of the contract, Legal Premium
- 8.1 Payment of premium, Legal
- 8.2 Insurance year, Legal Premium
- 8.3 Insurance tax, Legal Premium
- 8.4 Payment and consequences of late payment / first premium, Legal
- 8.4.3 Rescission, Legal Premium
- 8.5 Payment and consequences of late payment / subsequent premium, Legal
- 8.6 Timely payment under a SEPA direct debit mandate, Legal Premium
- 8.7 Premium on early termination of the contract, Legal
- 8.8 Premium adjustment, Legal
- 8.9 Change in material circumstances of the premium calculation, Legal
- 9.1 Statutory limitation, Legal Premium
- 9.2 Limitation is suspended, Legal Premium
- 10.1 Applicable law, Legal Premium
- 10.2 Actions against the insurance company, Legal Premium
- 10.3 Actions against the policyholder, Legal Premium
German wording only
For these wordings there is no English version yet. We would rather say so than put up a translation nobody has checked: in a dispute, a translation that differs from the German text works against you. They are complete in German, clause by clause, and your broker or our office will walk you through any number you ask about.