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Bernhard Assekuranz Verbandsschutz Landesverband Sächsischer: the policy wording in full
Verbandsschutz des Landesverbands Sächsischer Angler mit Vereinshaftpflicht über 10 Mio. Euro und Gruppenunfall für Vereinstätigkeit, dazu Rechtsschutz, Vertrauensschaden, Vermögensschadenhaftpflicht und D&O für den Verein; das individuelle Angeln ist in der Unfallversicherung ausgeschlossen.
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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 Verbandsschutz
Landesverband Sächsischer.
Basics and limits of cover
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Limit for bodily injury | yes, up to EUR 10 million | „Pauschal für Personen- und Sachschäden 10.000.000 €“ | 1. Haftpflichtversicherung, page 5 |
| Limit for property damage | yes, up to EUR 10 million | „Pauschal für Personen- und Sachschäden 10.000.000 €“ | 1. Haftpflichtversicherung, page 5 |
| Limit for pure financial loss | yes, up to EUR 1 million | „Die Versicherungssumme beträgt 1.000.000 Euro.“ | 5. Vermögenschadenhaftpflichtversicherung, page 9 |
| Maximum per injured person (limit per victim) | not addressed | ||
| Liability deductible | not addressed | ||
| Territorial scope worldwide or Europe (fishing holidays abroad) | yes | „Die Versicherung gilt weltweit, außer in Kriegsgebieten.“ | 1. Haftpflichtversicherung, Geltungsbereich, page 4 |
| 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 | „Die folgenden Seiten geben Ihnen einen kurzen Überblick über die wesentlichen Inhalte …“ | Vorwort, page 2 |
| Membership in an angling club, fishing association or federation required | yes | „Der Versicherungsschutz besteht für Mitglieder, solange sie im Landesverband oder einem …“ | Vorwort, page 2 |
| 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 | yes | „Kinder- und Jugendaktivitäten“ | 1. Haftpflichtversicherung, page 3 |
| Guest anglers with a day or guest permit | not addressed | ||
| Voluntary club officers: board, water warden, youth leader | yes | „Sämtliche Mitarbeiter im Haupt-, Neben- und Ehrenamt.“ | 1. Haftpflichtversicherung, Personenkreis, page 3 |
| Fishery wardens (sworn or voluntary) | not addressed | ||
| Club work at the water: stocking, bank maintenance, culling | yes | „Maßnahmen zur Pflege und Erhaltung der eigenen oder gepachteten Gewässer durch …“ | 1. Haftpflichtversicherung, Versicherungsumfang, page 4 |
| Fishing competitions and casting sport | yes | „Wettbewerbe wie Hegefischen und Casting“ | 1. Haftpflichtversicherung, page 3 |
| Fishing courses and guiding (non commercial) | yes | „Lehrgänge und Fortbildungen (ohne Praktika)“ | 1. Haftpflichtversicherung, page 3 |
| Commercial fishing and paid guiding excluded | not addressed |
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) | yes, up to EUR 100,000 | „Schäden an gemieteten, 100.000 € geliehenen beweglichen Sachen“ | 1. Haftpflichtversicherung, Versicherungssummen, page 5 |
| Loss of third party keys (barrier, clubhouse, boathouse) | yes, up to EUR 5 million | „Abhandenkommen von Dienstschlüsseln 5.000.000 €“ | 1. Haftpflichtversicherung, Versicherungssummen, page 5 |
| Damage to fish stocks or fishing rights of others (wrong stocking, pathogens) | not addressed | ||
| Water damage caused by groundbait, bait, oil or waste | yes, up to the sum insured | „aus der Lagerung von geringfügigen Mengen gewässerschädlicher Stoffe und Flüssigkeiten …“ | 1. Haftpflichtversicherung, Versicherungsumfang, page 4 |
| 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 50,000 | „für den Todesfall (Erwachsener) 50.000 €“ | 2. Unfallversicherung, page 6 |
| Disability benefit (basic sum) | yes, up to EUR 100,000 | „Invaliditätssumme 100.000 €“ | Versicherungssummen, page 2 |
| Progression for severe disability | yes | „Für Vollinvalidität 500.000 €“ | Versicherungssummen, page 2 |
| Hospital daily allowance or medical costs | yes, up to EUR 50 | „Krankenhaustagegeld mit verb. Genesungsgeld 50 €“ | 2. Unfallversicherung, page 6 |
| Search, rescue and recovery costs (water rescue, helicopter) | yes, up to EUR 30,000 | „Bergungskosten 30.000 €“ | 2. Unfallversicherung, page 6 |
| 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 | not addressed | ||
| 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) | none | „Besitz, Halten und Gebrauch von Wasserfahrzeugen inkl. motorbetriebenen Booten (bis …“ | 1. Haftpflichtversicherung, Versicherungsumfang, page 4 |
| Excluded without a valid fishing licence or permit | not addressed | ||
| Excluded for breach of closed season, size limits or illegal methods | yes | „Schäden durch Außerachtlassung von Gebrauchsanweisungen und behördlichen Vorschriften …“ | 1. Haftpflichtversicherung, Wichtige Ausschlüsse, page 5 |
| Sea, charter boat or offshore fishing excluded | not addressed | ||
| Spearfishing excluded | not addressed | ||
| Excluded under alcohol or drugs | not addressed | ||
| 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 2 |
| 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) | yes | „den entsprechenden Jahresbeitrag bezahlt haben“ | Vorwort, page 2 |
| Cancellable annually | not addressed | ||
| Short term cover for fishing holidays or day permits | not addressed | ||
| Cover ends when leaving the club or association | yes | „Der Versicherungsschutz besteht für Mitglieder, solange sie im Landesverband oder einem …“ | Vorwort, page 2 |
| Family or partner rate in one contract | not addressed |
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Policy wordings and provider
- Legal entity
- Bernhard Assekuranz (Assekuradeur, Risikoträger am Text prüfen)
- Distribution
- available through brokers
- Informationsblatt Gruppenunfallversicherung Landesverband Sächsischer Angler Edition: Stand 10/2022 Original from the insurer (PDF, German)
- Broschüre Versicherungen des Landesverbands Sächsischer Angler Edition: Stand 01/2023 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 Verbandsschutz Landesverband Sächsischer
and available as plain text.
Volltext Bernhard Assekuranz Verbandsschutz Landesverband Sächsischer Anglerversicherung · As text (Markdown) Bernhard Assekuranz Verbandsschutz Landesverband Sächsischer Angler insurance