Policy documents in English

Company: Württembergische Versicherung AG. Product: watercraft liability insurance.

This information document is provided for information only and gives you a short overview of the insurance offered. The information is not exhaustive. You will find complete information in your contract documents (application, policy schedule, insurance conditions). Please read all the documents so that you are fully informed.

Liability: what sort of insurance is this?

We offer you watercraft liability insurance. It insures your legal liability arising from keeping, owning and using watercraft.

Liability: what is insured?

The purpose of watercraft liability insurance is to examine liability claims brought against you, to settle justified claims and to defend unjustified ones.

• Insured are losses in Germany and abroad for which you are liable as keeper, owner or through the use of a watercraft.

Cover requires that

• you use the watercraft essentially for private purposes;
• you are entitled to operate the watercraft (with the owner's consent and holding the required official permit);
• craft subject to registration are registered in Germany.

You can take out watercraft liability insurance in particular as the keeper of

• motorboats, jet skis, jetboards, e-foils or motor yachts (including those with auxiliary or outboard engines),
• sailing boats or sailing yachts.

Liability: how high is the sum insured?

Your sum insured per claim and per insurance year is stated in your policy schedule. Depending on the product variant, "Basis", "Basis Plus" or "Premium", and on your selection, the overall maximum sum insured is 10 million EUR, 25 million EUR or 50 million EUR. Per injured person we pay a maximum of 25 million EUR (Basis Plus and Premium).

Liability: what is not insured?

• Losses for which another insurer pays compensation.
• Losses in connection with motor vehicles and their trailers.
• Losses in connection with aviation and space travel.
• Losses caused intentionally.

Liability: are there any restrictions on cover?

There is no cover for

• the personal liability of a water skier or a kite surfer;
• boats subject to registration that are not entered in a German register.

Liability: where am I covered?

• Your cover applies worldwide.

Liability: what are my obligations?

The following duties apply, for example:

• Please give truthful and complete answers in the insurance application.
• Tell us whether, and in what way, the insured risk has changed.
• We may ask you to remove circumstances that present a particular danger.
• Notify us of every claim without delay, even if no claim for damages has yet been brought against you.
• You are obliged to avert or reduce the loss as far as possible and to support us with truthful loss reports when we investigate and settle the claim.

Liability: when and how do I pay?

You must pay the first or single premium without delay within 14 days of receiving the policy schedule, but not before the inception date stated in the schedule. When the further premiums are due is stated in the policy schedule. You can authorise us to collect the premium (SEPA direct debit or credit card) or pay by invoice. Depending on the payment frequency chosen, the premium falls due monthly, quarterly, half yearly or annually. If you choose payment by invoice, you cannot pay monthly.

Liability: when does the cover start and end?

Cover begins at the time stated in the policy schedule, provided you have paid the first or single premium on time. Otherwise cover begins when payment is made. If your contract runs for at least one year, it renews automatically for one year at a time.

Liability: how do I cancel the contract?

You or we may cancel the contract with effect from the end of the agreed term. Notice must be given at least three months beforehand. You or we may also cancel, for example after a claim, or if your insured risk ceases to exist for good, for instance because the watercraft has been sold. The contract then ends before the end of the agreed term.

German original: Informationsblatt zur Wassersport-Haftpflichtversicherung (WSH 01-2025), PDF. The German wording is the binding one.
English print version: Watercraft liability insurance, PDF. Every page of it repeats that the German wording alone is binding.

Company: Württembergische Versicherung AG. Product: watercraft hull insurance.

This information document is provided for information only and gives you a short overview of the insurance offered. The information is not exhaustive. You will find complete information in your contract documents (application, policy schedule, insurance conditions). Please read all the documents so that you are fully informed.

Hull: what sort of insurance is this?

We offer you watercraft hull insurance. It protects you against financial risks connected with your boat.

Hull: what is insured?

• Your boat is insured with all permanently installed parts, including the machinery and technical installations, the nautical equipment, the accessories, the inventory, masts, spars, standing and running rigging and sails.
• If applied for, cover also exists for the tender, the outboard engine, the boat trailer and watersports equipment.
• Insured is loss of or damage to the craft caused by storm, earthquake, fire, explosion, lightning strike and theft.

In the Basis Plus and Premium variants there is additional cover for

• accident involving the watercraft,
• stranding, capsizing, grounding, sinking,
• collision with fixed or floating objects,
• burglary,
• theft of parts connected to the craft,
• vandalism,
• breaking and bending of masts, spars and similar,
• tearing of sails.

Hull: how high is the sum insured?

Your individually agreed sum insured is stated in your policy schedule.

Hull: what is not insured?

• Losses caused intentionally by you, by the person operating the craft or by one of its occupants.
• Cash, valuables such as furs, jewellery, paintings, antiques and luxury items, items of sentimental value, musical instruments, and food, drink and tobacco.

Hull: are there any restrictions on cover?

Not every conceivable case is insured. Excluded from cover are, for example:

• war and warlike events;
• damage caused by the craft being unfit to travel or unseaworthy from the outset;
• loose objects of any kind being lost or going overboard;
• damage by rot, mould, woodworm, rats and mice;
• damage by rust, oxidation and corrosion;
• embezzlement or fraud.

Hull: where am I covered?

• Your cover applies in the cruising area documented in your policy schedule, and also in winter storage, at the berth, and while the craft is being hauled out and launched.

Hull: what are my obligations?

The following duties apply, for example:

• Please give truthful and complete answers in the insurance application.
• Tell us whether, and in what way, the insured risk has changed.
• We may ask you to remove circumstances that present a particular danger.
• You are obliged to avert or reduce the loss as far as possible and to support us with truthful loss reports when we investigate and settle the claim.

Hull: when and how do I pay?

You must pay the first premium no later than two weeks after receiving the policy schedule. When the further premiums are due is stated in the policy schedule. Depending on what has been agreed, that may be monthly, quarterly, half yearly or annually. You can transfer the premiums to us or authorise us to collect them from your account.

Hull: when does the cover start and end?

Cover begins at the time stated in the policy schedule, provided you have paid the first or single premium on time. Otherwise cover begins when payment is made. If your contract runs for at least one year, it renews automatically for one year at a time. Exception: you or we have cancelled the contract.

Hull: how do I cancel the contract?

You or we may cancel the contract with effect from the end of the agreed term. Notice must be given at least three months beforehand. You and we may also cancel the contract after a claim has occurred. The insurance then ends before the end of the agreed term.

German original: Informationsblatt zur Wassersportkaskoversicherung, PDF. The German wording is the binding one.
English print version: Watercraft hull insurance, PDF. Every page of it repeats that the German wording alone is binding.

Company: Württembergische Versicherung AG. Product: legal expenses insurance for watercraft.

This information document gives you a short overview of the essential content of the insurance offered. It is not exhaustive. Complete information is set out in the underlying contract information (application, policy schedule, insurance conditions). Please read all the documents so that you are fully informed.

Legal expenses: what sort of insurance is this?

We offer you legal expenses insurance as the owner or user of watercraft. It allows you to pursue your legal interests in the areas of life you have insured, depending on the tariff (traffic and/or renting).

Legal expenses: what is insured?

• Legal expenses insurance gives you cover matched to your needs, for example in the private, professional and traffic law spheres.
• Cover extends to types of benefit that address the main areas of law, for example damages law or traffic law.

Legal expenses: which costs do we pay?

• The statutory fees of your lawyer.
• Court and bailiff costs.
• Compensation for witnesses and experts called by the court.
• The opposing party's costs, where you are obliged to bear them.
• In out of court proceedings, the usual remuneration of technically qualified experts.
• The costs of a mediation.

Legal expenses: how high is the sum insured?

The agreed sum insured per claim is stated in your application or in your policy schedule.

Legal expenses: what is not insured?

• Depending on the tariff and the area of life, a waiting period is agreed: you have cover only for disputes whose cause arose after the waiting period expired.
• Where a dispute has several causes, you have cover only if the first cause arose after inception.

Legal expenses: are there any restrictions on cover?

We cannot insure every conceivable dispute. Otherwise we would have to charge a considerably higher premium. Legal expenses cover therefore does not extend to certain legal matters, for example:

• disputes arising from the financing of building land or buildings;
• disputes about patent or trade mark rights;
• disputes about the granting of loans, about gaming or betting contracts, or about prize notifications.

Legal expenses: where am I covered?

• You have cover where a court or authority in Europe, in the states bordering the Mediterranean, in the Canary Islands or on Madeira has legal jurisdiction and you pursue your legal interests there. This does not apply where an insured area of law (for example tax law protection) is limited to German courts.
• Under certain conditions you also have worldwide cover during a temporary stay abroad.

Legal expenses: what are my obligations?

The following duties apply, for example:

• You must answer all questions in the application form truthfully and completely.
• Please speak to us if the details in your application or contract need to be changed.
• You must inform us and your lawyer fully and truthfully about the facts.
• You must agree cost incurring measures with us, so far as that is reasonable for you.
• You must report your legal expenses claim to us without delay.

Legal expenses: when and how do I pay?

You must pay the first premium no later than two weeks after receiving the policy schedule. When you have to pay the further premiums is stated in the policy schedule. Depending on what has been agreed, that may be monthly, quarterly, half yearly or annually. You can transfer the premiums to us or authorise us to collect them from your account.

Legal expenses: when does the cover start and end?

Cover begins at the time stated in the policy schedule, provided you have paid the first premium. Otherwise cover begins when payment is made. Does your contract run for at least one year? Then it renews automatically for one year at a time. Exception: you or we have cancelled the contract.

Legal expenses: how do I cancel the contract?

You may cancel the contract on any day. We may each cancel with effect from the end of the insurance year, but at the earliest as at the agreed expiry, giving three months' notice.

Where at least two insured events have occurred within twelve months and cover exists for them, you or we may cancel the contract early. You may also cancel if we wrongly refuse cover or increase the premium.

German original: Informationsblatt zur Rechtsschutzversicherung, PDF. The German wording is the binding one.
English print version: Legal expenses insurance, PDF. Every page of it repeats that the German wording alone is binding.

Company: Württembergische Versicherung AG. Product: watercraft accident insurance.

This information document is provided for information only and gives you a short overview of the insurance offered. The information is not exhaustive. You will find complete information in your contract documents (application, policy schedule, insurance conditions). Please read all the documents so that you are fully informed.

Accident: what sort of insurance is this?

We offer you watercraft accident insurance. It provides financial compensation for accidents suffered by occupants of the insured watercraft.

Accident: what is insured?

Insured are accidents suffered by the authorised occupants of the insured watercraft. An accident occurs, for example, where the insured person is injured because they trip, slip or fall. For this we offer in particular the following types of benefit:

• a single disability benefit for permanent impairment (for example restricted movement);
• payment of a death benefit in the event of accidental death;
• reimbursement of the cost of cosmetic surgery (not in the BASIS tariff);
• reimbursement of the cost of search, salvage and sea rescue operations and of returning the craft after an accident (PREMIUM tariff only).

Cover exists in principle for accidents causally connected with the use of the craft named in the policy, or with the use of its tenders and watersports equipment.

Accident: how high is the sum insured?

Your sum insured depends on the tariff variant chosen. Please take it from your policy schedule.

Accident: what is not insured?

• Illnesses.
• The cost of medical treatment.
• Accidents suffered by people whose occupation involves the maintenance and care of the boat (employees and paid boat attendants).

Accident: are there any restrictions on cover?

There is no cover for

• accidents caused by the consumption of drugs;
• accidents while intentionally committing a criminal offence;
• accidents caused by nuclear energy.

Where the consequences of an accident coincide with illness, benefits may be reduced.

Accident: where am I covered?

• You have worldwide cover.

Accident: what are my obligations?

The following duties apply, for example:

• Please give truthful and complete answers in the insurance application.
• Premiums must be paid on time and in full.
• After an accident you must see a doctor immediately and inform us about the accident.

Accident: when and how do I pay?

You must pay the first or single premium without delay after receiving the policy schedule, but not before the inception date stated in the schedule. If you have authorised us to collect the premium from your account, we do so at the time stated in the policy schedule. Depending on what has been agreed, that may be monthly, quarterly, half yearly or annually. You can transfer the premium to us (invoice) or authorise us to collect it from your account or your credit card.

Accident: when does the cover start and end?

Cover begins at the time stated in the policy schedule, provided you have paid the first or single premium on time. Otherwise cover begins when payment is made. If your contract runs for at least one year, it renews automatically for one year at a time. Exception: you or we have cancelled the contract.

Accident: how do I cancel the contract?

You or we may cancel the contract with effect from the end of the insurance year, but at the earliest as at the agreed expiry, giving three months' notice.

Cancellation after a claim: you and we may also cancel where a benefit has been paid or where you have brought an action against us for payment. The contract then ends before the end of the agreed term.

German original: Informationsblatt zur Wassersport-Unfallversicherung (WSU 1-2025), PDF. The German wording is the binding one.
English print version: Watercraft accident insurance, PDF. Every page of it repeats that the German wording alone is binding.

This information document is provided for information only and gives you a short overview of the insurance offered. The information is not exhaustive. You will find complete information in your contract documents (application, policy schedule, insurance conditions). Please read all the documents so that you are fully informed.

Assistance: what sort of insurance is this?

Within watercraft hull insurance we offer you assistance services connected with the use of your watercraft.

Assistance: what is insured?

• Expenses in a distress at sea situation, for the rescue of third parties and for your own sea rescue, up to a total of 10,000 EUR per insured event and per insurance year.
• Travel and travel medical service:
  • general information such as holidays, national public holidays, information on entry and customs rules, climate information, health warnings, advice on vaccinations and so on;
  • guidance on medical care locally.
• Help after an accident and/or a breakdown of the insured watercraft, including help obtaining spare parts, and the organisation and payment of:
  • necessary overnight accommodation,
  • the journey home,
  • a replacement skipper,
  • returning the watercraft,
  • the cost of the journey home,
  • a security deposit abroad.
• Support in replacing or obtaining important documents.

Assistance: what is not insured?

• Losses caused intentionally by you, by the person operating the craft or by one of its occupants.
• All claims falling under the exclusions of the general insurance conditions for watercraft hull insurance on which these assistance services are based.

Assistance: are there any restrictions on cover?

Not every conceivable loss event is insured. There is no cover

• for losses caused by the service businesses acting on our instructions;
• so far as the beneficiary can claim compensation under another insurance contract;
• for assistance measures or services that have not been organised by us or agreed with us.

Assistance: where am I covered?

Your cover applies in the cruising area documented in your policy schedule for the watercraft hull insurance.

Assistance: what are my obligations?

The following duties apply, for example:

• Please give truthful and complete answers in the insurance application.
• Tell us whether, and in what way, the insured risk has changed.
• We may ask you to remove circumstances that present a particular danger.
• You are obliged to avert or reduce the loss as far as possible and to support us with truthful loss reports when we investigate and settle the claim.

Assistance: when and how do I pay?

You must pay the first premium no later than two weeks after receiving the policy schedule. When the further premiums are due is stated in the policy schedule. Depending on what has been agreed, that may be monthly, quarterly, half yearly or annually. You can transfer the premiums to us or authorise us to collect them from your account.

Assistance: when does the cover start and end?

Cover begins at the time stated in the policy schedule, provided you have paid the first or single premium on time. Otherwise cover begins when payment is made. If your contract runs for at least one year, it renews automatically for one year at a time. Exception: you or we have cancelled the contract.

Assistance: how do I cancel the contract?

You or we may cancel the contract with effect from the end of the agreed term. Notice must be given at least three months beforehand. You and we may also cancel the contract after a claim has occurred. The insurance then ends before the end of the agreed term.

German original: Informationsblatt Assistance Wassersport-Kaskoversicherung, PDF. The German wording is the binding one.
English print version: Assistance services, PDF. Every page of it repeats that the German wording alone is binding.

This is a statutory notice. Its German wording is the one that governs your right of withdrawal. Please read the German original before you rely on any deadline stated here.

Section 1: right of withdrawal, consequences of withdrawal, special notes

Right of withdrawal

You may withdraw your contractual declaration within a period of 14 days without giving reasons, in text form (for example by email). The withdrawal period begins once you have received, each in text form, the policy schedule, the contractual provisions including the general insurance conditions applicable to the contractual relationship, those in turn including the tariff provisions, this notice, the insurance product information document, and the further information listed in section 2.

Sending the withdrawal in good time is sufficient to meet the deadline. The withdrawal must be addressed to:

Württembergische Versicherung AG
W&W-Platz 1
70806 Kornwestheim
Email: info@nammert.com

Consequences of withdrawal

In the event of an effective withdrawal, cover ends and we refund to you the part of the premiums attributable to the period after receipt of the withdrawal, provided you agreed that cover should begin before the end of the withdrawal period.

In that case we may retain the part of the premium attributable to the period up to receipt of the withdrawal. That is the amount shown in the policy schedule, calculated pro rata according to the days on which the risk was carried. The insurer (we) must refund any amounts to be repaid without delay, at the latest 30 days after receipt of the withdrawal.

If cover does not begin before the end of the withdrawal period, the effect of an effective withdrawal is that benefits received must be returned and any benefits derived from them (for example interest) must be surrendered.

Special notes

Your right of withdrawal lapses where, at your express wish, the contract has been performed in full by both you and us before you exercised your right of withdrawal.

Section 2: list of the further information required for the period to start

With regard to the further information referred to in section 1, sentence 2, the information duties are set out individually below.

Information duties in all classes of insurance

The insurer (we) must provide you with the following information:

• the identity of the insurer and of any branch through which the contract is to be concluded; the commercial register in which the legal entity is registered and the associated registration number must also be stated;
• the address for service of the insurer and any other address relevant to the business relationship between the insurer and you; in the case of legal persons, associations or groups of persons, also the name of an authorised representative; where the notification is made by supplying the contractual provisions including the general insurance conditions, the information must be given in a highlighted and clearly presented form;
• the main business activity of the insurer;
• the essential features of the insurance benefit, in particular details of the nature, extent and due date of the insurer's performance;
• the total price of the insurance including all taxes and other price components, with the premiums to be shown individually where the insurance relationship is to comprise several independent insurance contracts, or, where an exact price cannot be stated, details of the basis of its calculation enabling you to verify the price;
• details of payment and performance, in particular of the premium payment method;
• information on how the contract is concluded, in particular on the inception of the insurance and of cover, and on the period for which the applicant is to be bound by the application;
• the existence or non existence of a right of withdrawal, together with the conditions, the details of exercising it, in particular the name and address of the person to whom the withdrawal must be declared, and the legal consequences of withdrawal including information on any amount you may have to pay in the event of withdrawal; where the notification is made by supplying the contractual provisions including the general insurance conditions, the information must be given in a highlighted and clearly presented form;
• information on the term of the contract, and on the minimum term of the contract;
• information on termination of the contract, in particular on the contractual cancellation conditions including any contractual penalties; where the notification is made by supplying the contractual provisions including the general insurance conditions, the information must be given in a highlighted and clearly presented form;
• the member states of the European Union whose law the insurer takes as the basis for establishing relations with you before the insurance contract is concluded;
• the law applicable to the contract, a contractual clause on the law applicable to the contract, or on the court having jurisdiction.

German original: Widerrufsbelehrung (WB 01-2025), PDF. The German wording is the binding one.
English print version: Notice of the right of withdrawal, PDF. Every page of it repeats that the German wording alone is binding.

Who are we?

You conclude the insurance contract with Württembergische Versicherung AG. We are your risk carrier, with its seat in Kornwestheim:

W&W-Platz 1
70806 Kornwestheim
Germany

Management board: Zeliha Hanning (chair), Dr Per-Johan Horgby, Alexander Mayer, Jens Wieland, Jürgen Wörner.
Chair of the supervisory board: Jürgen A. Junker.
Local court of Stuttgart, HRB 14327.

What is our main business activity?

The main business activity of our company is the insurance business.

Information about your contract

Where can you take your questions?

Do you need information, a confirmation, or a change to your contract? Just tell us what we can do for you:

• General questions: info@nammert.com
• Claims notifications: schaden@nammert.com
• Hotline: +49 (0) 3375 29 12 77

When is the insurance contract concluded?

The insurance contract comes into being through your application to conclude an insurance contract and our sending you the policy schedule (acceptance).

Which language governs the contract?

The insurance contract is governed by German law. We inform you and communicate with you in German at all times. That also applies to your insurance conditions. This is the insurer's own wording, and it is the reason why every translation on this page is a courtesy only.

Where can you enforce your claims in court?

For actions arising from the insurance contract against Württembergische Versicherung AG, the following courts have jurisdiction:

• the court at the seat of our company that is responsible for your contract;
• the court of your place of residence or, if you have no fixed residence, of your habitual abode.

Information on out of court complaint and redress procedures

Where can you address your complaints?

If you have reason to complain, we would be glad if you came to us first, so that we can put the problem right and learn from it. You reach the people who deal with this at beschwerde@wuerttembergische.de.

If, contrary to expectations, no agreement with us is possible, you may also turn to the competent supervisory authority:

Bundesanstalt für Finanzdienstleistungsaufsicht, insurance division
Graurheindorfer Straße 108
53117 Bonn

Or you address your complaint to the insurance ombudsman, who works independently, and free of charge for the consumer, as a conciliation body between insurance companies and customers:

Versicherungsombudsmann e. V.
Postfach 08 06 32
10006 Berlin
Tel. 0800 3696000
beschwerde@versicherungsombudsmann.de
www.versicherungsombudsmann.de

Separate notice under section 28(4) of the German Insurance Contract Act (VVG) on the consequences of breaching obligations after the insured event

Duties to give information and to explain

On the basis of the contractual agreements made with you, we may, after the insured event has occurred, require you to give us every piece of information necessary to establish the insured event or the extent of our obligation to pay (duties of information), and to enable us to examine our obligation to pay properly, in that you give us all details useful for clarifying the facts (duties of explanation). We may also require you to make documents available to us, so far as that can reasonably be expected of you.

Release from the obligation to pay

If, contrary to the contractual agreements, you intentionally give no information or untruthful information, or intentionally fail to make the required documents available to us, you lose your claim to the insurance benefit. If you breach these obligations through gross negligence, you do not lose your claim entirely, but we may reduce our payment in proportion to the severity of your fault. No reduction is made if you prove that you did not breach the obligations through gross negligence.

Despite a breach of your obligations to give information, to explain or to obtain documents, we remain obliged to pay so far as you prove that the intentional or grossly negligent breach was causal neither for establishing the insured event nor for establishing or determining the extent of our obligation to pay.

If you breach the obligation to give information, to explain or to obtain documents fraudulently, we are released from our obligation to pay in every case.

Note

Where the right to the contractual benefit belongs not to you but to a third party, that third party is likewise obliged to give information, to explain and to obtain documents.

Separate notice on the consequences of breaching the statutory duty of disclosure under section 19(5) VVG

So that we can examine your insurance application properly, you must answer the application questions truthfully and completely in accordance with section 19 VVG. You must also state circumstances to which you attach only minor importance.

Details you do not wish to give to the insurance intermediary must be provided without delay and directly to Württembergische Versicherung AG in text form. Please note that you put your cover at risk if you give incorrect or incomplete details. Further particulars of the consequences of a breach of the duty of disclosure are set out below.

What consequences may follow if the pre contractual duty of disclosure is breached?

Rescission and loss of cover. If you breach the pre contractual duty of disclosure, we may rescind the contract. This does not apply if you prove that there was neither intent nor gross negligence.

Where the duty of disclosure has been breached through gross negligence, we have no right of rescission if we would have concluded the contract even had we known the undisclosed circumstances, albeit on different terms.

In the event of rescission there is no cover. If we declare rescission after the insured event has occurred, we nevertheless remain obliged to pay if you prove that the circumstance not disclosed, or disclosed incorrectly, was causal neither for the occurrence or establishment of the insured event nor for establishing or determining the extent of our obligation to pay. Our obligation to pay does lapse, however, if you breached the duty of disclosure fraudulently.

On rescission we are entitled to the part of the premium corresponding to the contract period elapsed up to the point at which the declaration of rescission takes effect.

Cancellation. We cannot rescind the contract if you breached the pre contractual duty of disclosure only through simple negligence or without fault. In that case we may cancel the contract giving one month's notice.

Amendment of the contract. If we can neither rescind nor cancel because we would have concluded the contract even had we known the undisclosed risk circumstances, albeit on different terms, those other terms become part of the contract at our request.

If you breached the duty of disclosure negligently, the other terms become part of the contract retrospectively. If you breached the duty of disclosure without fault, the other terms become part of the contract only from the current insurance period.

If the amendment increases the premium by more than ten per cent, or if we exclude cover for the undisclosed circumstance, you may cancel the contract without notice within one month of receiving our notification of the amendment. We will point out this right in our notification.

Exercise of our rights. We may assert our rights of rescission, cancellation or amendment only in writing and within one month. The period begins at the point at which we learn of the breach of the duty of disclosure on which the right we assert is based. When exercising our rights we must state the circumstances on which we base our declaration. We may state further circumstances subsequently in support, provided the period under the first sentence has not expired for them.

We cannot rely on the rights of rescission, cancellation or amendment if we knew of the undisclosed risk circumstance or of the incorrectness of the disclosure.

Our rights of rescission, cancellation and amendment lapse five years after conclusion of the contract. This does not apply to insured events that occurred before this period expired. The period is ten years if you breached the duty of disclosure intentionally or fraudulently.

Representation by another person. If you are represented by another person when the contract is concluded, then as regards the duty of disclosure, rescission, cancellation, amendment of the contract and the cut off period for the exercise of our rights, both the knowledge and fraud of your representative and your own knowledge and fraud are to be taken into account. You can rely on the duty of disclosure not having been breached intentionally or through gross negligence only if neither your representative nor you is at fault through intent or gross negligence.

German original: Kundeninformationsblatt, PDF. The German wording is the binding one.
English print version: Customer information sheet, PDF. Every page of it repeats that the German wording alone is binding.