Insurance broker / Angler insurance in Germany (liability, accident and tackle) / Policy wording archive Angler insurance
Bernhard Assekuranz Bernhard LFV Baden-Württemberg Optimal: the policy wording in full
Gruppenunfall der Vereine im Landesfischereiverband Baden-Württemberg, Linie Optimal: Unfälle bei Vereinstätigkeit und Veranstaltungen mit 30.000 Euro Tod, 60.000 Euro Invalidität und 300 Prozent Mehrleistung bei Vollinvalidität, ohne Heilkosten.
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Everything about this policy
What the policy covers: 70 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Bernhard Assekuranz Bernhard LFV
Baden-Württemberg Optimal.
Basics and limits of cover
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Limit for bodily injury | not addressed | ||
| Limit for property damage | not addressed | ||
| Limit for pure financial loss | not addressed | ||
| Maximum per injured person (limit per victim) | not addressed | ||
| Liability deductible | not addressed | ||
| Territorial scope worldwide or Europe (fishing holidays abroad) | yes | „Weltweit, ausgenommen in Kriegsgebiete“ | Geltungsbereich, page 2 |
| Defence against unjustified claims | not addressed | ||
| Bail to avoid detention or seizure | not addressed | ||
| Standalone angler policy (not only as an add-on to personal liability or an association contract) | no | „Informationsblatt zur Vereinsgruppenunfallversicherung für den Landesfischereiverband …“ | Titel, page 1 |
| Membership in an angling club, fishing association or federation required | yes | „allen aktiven und passiven Vereinsmitgliedern“ | Versicherter Personenkreis, page 1 |
| Compulsory angler liability under regional law (Spain only) | not addressed | ||
| Voluntary cover above the compulsory limit (Spain only) | not addressed |
Insured persons and activities
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Spouse or partner and children insured when fishing | not addressed | ||
| Young and child anglers fishing on their own | not addressed | ||
| Guest anglers with a day or guest permit | not addressed | ||
| Voluntary club officers: board, water warden, youth leader | not addressed | ||
| Fishery wardens (sworn or voluntary) | not addressed | ||
| Club work at the water: stocking, bank maintenance, culling | yes | „Versichert sind alle Unfälle, die bei der Tätigkeit für die versicherte Organisation …“ | Versicherte Risiken, page 1 |
| Fishing competitions and casting sport | yes | „Mitversichert sind auch die Unfälle bei sportlichen Betätigungen“ | Versicherte Risiken, page 1 |
| Fishing courses and guiding (non commercial) | not addressed | ||
| Commercial fishing and paid guiding excluded | yes | „Festangestellte und hauptberufliche Mitarbeiter sowie auch Honorarkräfte, d.h. alle …“ | Wichtige Ausschlüsse, page 2 |
Liability when fishing
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Injuries caused by casting, hooks, weights or line | not addressed | ||
| Damage to banks, paths, jetties and third party property | not addressed | ||
| Damage to borrowed or rented items (tackle, hut, swim) | not addressed | ||
| Loss of third party keys (barrier, clubhouse, boathouse) | not addressed | ||
| Damage to fish stocks or fishing rights of others (wrong stocking, pathogens) | not addressed | ||
| Water damage caused by groundbait, bait, oil or waste | not addressed | ||
| Public law environmental damage (biodiversity) | not addressed | ||
| Spread of invasive species or diseases (live bait, wet gear) | not addressed | ||
| Own dog insured when fishing | not addressed | ||
| Bait boat, remote controlled sonar boat or drone | not addressed | ||
| Float tube and wading | not addressed | ||
| Night fishing with bivvy, barbecue and campfire (fire damage) | not addressed | ||
| Damage when driving on bank or field tracks, where not motor liability | not addressed |
Accident when fishing
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Death benefit | yes, up to EUR 30,000 | „Für den Todesfall 30.000 €“ | Versicherungssummen, page 2 |
| Disability benefit (basic sum) | yes, up to EUR 60,000 | „Invaliditätsleistung 60.000 €“ | Versicherungssummen, page 2 |
| Progression for severe disability | yes | „Bei Vollinvalidität (Mehrleistung 300%) 180.000 €“ | Versicherungssummen, page 2 |
| Hospital daily allowance or medical costs | no | „alle Arten von Behandlungs- und Heilkosten“ | Wichtige Ausschlüsse, page 2 |
| Search, rescue and recovery costs (water rescue, helicopter) | yes, up to EUR 50,000 | „Für Bergungskosten 50.000 €“ | Versicherungssummen, page 2 |
| Drowning and hypothermia count as accident | yes | „Versichert ist auch der Tod durch Blitzschlag, Vergiftung (bei Kindern unter 10 …“ | Versicherte Risiken, page 1 |
| Tick bites (Lyme disease, TBE) and insect stings | no | „Infektionskrankheiten“ | Wichtige Ausschlüsse, page 2 |
| Eye injury by hook or line (eye in disability scale) | not addressed | ||
| Lightning and storms at the water | yes | „Versichert ist auch der Tod durch Blitzschlag“ | Versicherte Risiken, page 1 |
| Maximum age in the accident cover | not addressed |
Fishing tackle
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for tackle and accessories | not addressed | ||
| Theft at the water (including simple theft) | not addressed | ||
| Theft from a locked vehicle | not addressed | ||
| Breakage and damage (broken rod, reel damage) | not addressed | ||
| Loss by falling into the water | not addressed | ||
| Fish finder, bite alarms, camera and other electronics | not addressed | ||
| Compensation at replacement value instead of current value | not addressed | ||
| Tackle deductible | not addressed |
Exclusions and obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Fishing from a boat excluded (boat via own boat insurance) | not addressed | ||
| Excluded without a valid fishing licence or permit | not addressed | ||
| Excluded for breach of closed season, size limits or illegal methods | not addressed | ||
| Sea, charter boat or offshore fishing excluded | not addressed | ||
| Spearfishing excluded | not addressed | ||
| Excluded under alcohol or drugs | yes | „Unfälle, die durch Alkoholeinwirkung verursacht werden bzw. unter Medikamenten- oder …“ | Wichtige Ausschlüsse, page 2 |
| Benefit reduction for gross negligence | not addressed | ||
| Claims by co-insured persons and relatives excluded | not addressed | ||
| Subsidiary to personal liability, association contract or accident insurance | not addressed | ||
| Notice period for claims | yes | „Bei schwerwiegenden Verletzungen bzw. bei Todesfällen ist der Versicherungsmakler oder …“ | Unfallmeldungen und Obliegenheit im Schadenfall, page 3 |
| Best performance guarantee versus model terms | not addressed | ||
| Update clause (improvements apply automatically) | not addressed |
Contract and proof
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Proof of insurance for authority, club or inspection | not addressed | ||
| Contract term (year, calendar year, season) | not addressed | ||
| Cancellable annually | not addressed | ||
| Short term cover for fishing holidays or day permits | not addressed | ||
| Cover ends when leaving the club or association | not addressed | ||
| Family or partner rate in one contract | not addressed |
Evaluated by NAMMERT from published policy wordings.
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legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- Bernhard Assekuranz (Assekuradeur, Risikoträger am Text prüfen)
- Distribution
- available through brokers
- Informationsblatt Vereins-Gruppenunfallversicherung Landesfischereiverband Baden-Württemberg Edition: Stand 04/2022 Original from the insurer (PDF, German)
Full text of the wording
The full text exists only in German.
It is printed on the German page for Bernhard Assekuranz Bernhard LFV Baden-Württemberg Optimal
and available as plain text.
Volltext Bernhard Assekuranz Bernhard LFV Baden-Württemberg Optimal Anglerversicherung · As text (Markdown) Bernhard Assekuranz Bernhard LFV Baden-Württemberg Optimal Angler insurance