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Bernhard Assekuranz Rahmenvertrag der Landesfischereiverbände: the policy wording in full
Haftpflicht-Rahmenvertrag der Landesfischereiverbände für Verband, Vereine, Vorstände, Fischereiaufseher und Gewässerpflege mit 10 Mio. Euro pauschal und weltweitem Schutz, Vereinsboote bis 5 kW eingeschlossen; das private Angeln des einzelnen Mitglieds ist nicht eigens geregelt.
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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 Rahmenvertrag
der Landesfischereiverbände.
Basics and limits of cover
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Limit for bodily injury | yes, up to EUR 10 million | „pauschal für Personen und/oder Sachschäden 10.000.000 €“ | Versicherungssummen, page 3 |
| Limit for property damage | yes, up to EUR 10 million | „pauschal für Personen und/oder Sachschäden 10.000.000 €“ | Versicherungssummen, page 3 |
| Limit for pure financial loss | yes, up to EUR 10 million | „für Vermögensschäden 10.000.000 €“ | Versicherungssummen, page 3 |
| Maximum per injured person (limit per victim) | not addressed | ||
| Liability deductible | yes, up to the sum insured | „für Schäden an gemieteten, gepachteten, geliehenen 10 %, mind. 50,00 €, max. 500,00 €“ | Selbstbeteiligungen, page 3 |
| Territorial scope worldwide or Europe (fishing holidays abroad) | yes | „Geltungsbereich Weltweit“ | Geltungsbereich, page 2 |
| Defence against unjustified claims | yes, up to the sum insured | „Prüfung der Haftpflichtfrage, Befriedigung der berechtigten und die Abwehr von …“ | Versicherungsumfang, page 2 |
| 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 | „Haftpflichtversicherung Rahmenvertrag für die Sportangler- und Fischereiverbände“ | Titel, page 1 |
| Membership in an angling club, fishing association or federation required | yes | „Generell gilt, dass nur solchen Unterverbänden, Vereinen und Mitgliedern …“ | A III, 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 | „sonstige Mitarbeiter der angeschlossenen Vereine, die von diesen nach den Bestimmungen …“ | A III 4, page 2 |
| Guest anglers with a day or guest permit | not addressed | ||
| Voluntary club officers: board, water warden, youth leader | yes | „Mitglieder von Vorstandschaften der angeschlossenen Vereine“ | A III 3, page 2 |
| Fishery wardens (sworn or voluntary) | yes | „der Fischereiaufseher während ihrer Tätigkeit für die mitversicherten Vereine und Verbände“ | D 2 a, page 21 |
| Club work at the water: stocking, bank maintenance, culling | yes | „aus der Durchführung von Maßnahmen zur Pflege und Erhaltung der versicherten Gewässer …“ | D 2 c, page 21 |
| Fishing competitions and casting sport | yes | „Wettbewerbe wie Königsfischen, Casting“ | Versicherte Risiken, page 1 |
| Fishing courses and guiding (non commercial) | yes | „Sitzungen, Tagungen, Zusammenkünfte, Seminare, Kurse, Exkursionen, Lehrgänge …“ | Versicherte Risiken, page 1 |
| Commercial fishing and paid guiding excluded | yes | „dies gilt aber ausdrücklich nicht für Berufsfischer aller Art“ | D 2, page 21 |
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 | „für Schäden an gemieteten, geliehenen beweglichen Sachen 100.000 €“ | Versicherungssummen, page 3 |
| Loss of third party keys (barrier, clubhouse, boathouse) | yes, up to EUR 5 million | „für den Verlust von Dienstschlüsseln 5.000.000 €“ | Versicherungssummen, page 3 |
| 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 EUR 10 million, excess EUR 2,000 | „pauschal für die Umweltbasis-Haftpflicht 10.000.000 €“ | Versicherungssummen, page 3 |
| 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 | not addressed | ||
| Disability benefit (basic sum) | not addressed | ||
| Progression for severe disability | not addressed | ||
| Hospital daily allowance or medical costs | not addressed | ||
| Search, rescue and recovery costs (water rescue, helicopter) | not addressed | ||
| Drowning and hypothermia count as accident | not addressed | ||
| 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 | not addressed | ||
| 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, Unterhaltung und Nutzung von Wasserfahrzeugen inkl. motorbetrieben Booten bis …“ | Versicherte Risiken, page 1 |
| 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 …“ | D 1, page 21 |
| 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 | yes | „Eine für diesen Personenkreis anderweitig bestehende Haftpflicht-Versicherung (z.B …“ | A IV 11.2, page 6 |
| Notice period for claims | yes | „Abweichend von den AHB sind alle Schäden unverzüglich an die Bernhard Assekuranzmakler …“ | 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) | yes | „Für Mitglieder und Vereine, die bereits im Vorjahr versichert waren, besteht auch für …“ | C, page 20 |
| 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 Haftpflichtversicherung für Fischereivereine Edition: Stand 01/2022 Original from the insurer (PDF, German)
- Haftpflichtversicherung Rahmenvertrag für die Sportangler- und Fischereiverbände (AHB AH0300 mit Besonderen Bedingungen) Edition: Rahmenvertrag 01.01.2008, AHB Bernhard 01.2009 Copy hosted by an intermediary, not by the insurer
Full text of the wording
The full text exists only in German.
It is printed on the German page for Bernhard Assekuranz Rahmenvertrag der Landesfischereiverbände
and available as plain text.
Volltext Bernhard Assekuranz Rahmenvertrag der Landesfischereiverbände Anglerversicherung · As text (Markdown) Bernhard Assekuranz Rahmenvertrag der Landesfischereiverbände Angler insurance