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AOPA-Germany Gruppenversicherung für Mitglieder: the policy wording in full
Gruppenvertrag für Mitglieder, der die Haftpflicht aus der Tätigkeit als Fluglehrer, Lehrberechtigter oder Prüfer mit 500.000 bis 4 Mio. Euro ohne Selbstbeteiligung deckt, nicht aber Schäden am Schulflugzeug.
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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 AOPA-Germany Gruppenversicherung
für Mitglieder.
Basics and aircraft
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Form of contract (individual policy, group or master policy through an association or club) | yes | „Gruppenfluglehrerhaftpflicht-Versicherung zwischen der AOPA und der Generali …“ | Was geschieht, wenn die Gruppenversicherung gekündigt wird, page 2 |
| Statutory minimum cover met (Regulation (EC) 785/2004 and national aviation law) | not addressed | ||
| Paragliders and hang gliders covered | not addressed | ||
| Powered paragliders and powered hang gliders (paramotor, trike) covered | not addressed | ||
| Ultralight and microlight aircraft up to 600 kg (three axis, gyrocopter, ultralight helicopter) covered | yes | „aerodynamisch gesteuerten Ultraleichtflugzeugen“ | Was ist versichert (Basisschutz), page 1 |
| Gliders and motor gliders (including touring motor gliders) covered | yes | „Motorseglern, - Segelflugzeugen“ | Was ist versichert (Basisschutz), page 1 |
| General aviation powered aircraft covered (with take off mass limit) | yes | „Motorflugzeugen (auch Turbine)“ | Was ist versichert (Basisschutz), page 1 |
| Hot air balloons, gas balloons and airships covered | yes | „Freiballonen“ | Was ist versichert (Basisschutz), page 1 |
| Parachutes and rescue systems covered | not addressed | ||
| Two seat and tandem aircraft covered | not addressed | ||
| Several or changing aircraft under one contract (for example all own wings) | not addressed |
Third party liability of the owner or operator
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Limit of third party liability for bodily injury and property damage outside the aircraft | not addressed | ||
| Strict liability of the operator covered (liability without fault) | not addressed | ||
| Personal liability of the authorised pilot included | yes, up to EUR 500,000 | „Versichert ist die gesetzliche Haftpflicht nach den jeweiligen luftfahrtrechtlichen …“ | Was ist versichert (Basisschutz), page 1 |
| Pure financial loss (without prior bodily injury or property damage) | not addressed | ||
| Liability when flying borrowed, rented or chartered aircraft | not addressed | ||
| Damage to the rented or borrowed aircraft itself | no | „Ausgeschlossen sind Haftpflichtansprüche wegen Schäden an dem der …“ | Was ist versichert (Basisschutz), page 1 |
| Towing covered (winch launch, ultralight tow, aerotow, banner towing) | not addressed | ||
| Collision with other aircraft in the air and on the ground | not addressed | ||
| Environmental and water damage (fuel, oil) and crop damage after an off field landing | not addressed | ||
| Defence against unfounded claims plus search, rescue and recovery costs | not addressed | ||
| Certificate of insurance for authorities, airfields or competitions (also in English) | yes | „Mit der Aufforderung zur Beitragszahlung erhalten Sie von der AOPA eine …“ | Erhalte ich eine Versicherungsbestätigung, page 2 |
Passenger liability and combined single limit
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Passenger liability (carrier liability towards passengers) | not addressed | ||
| Combined third party and passenger liability with one single limit (CSL) | not addressed | ||
| Cover per passenger or per seat (also in special drawing rights) | not addressed | ||
| Paid passenger flights covered (commercial tandem flights, sightseeing flights, paid balloon rides) | not addressed | ||
| Cost sharing flights and flights for club members covered | not addressed | ||
| Claims of co pilots, student pilots and relatives against the operator | not addressed |
Hull cover for the own aircraft
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Aircraft hull insurance included or available as an option | not addressed | ||
| Flight, taxiing and ground risks covered (all risks) | not addressed | ||
| Ground risk only cover available (for example during winter lay up) | not addressed | ||
| Theft, burglary, robbery and vandalism | not addressed | ||
| Transport, rigging and derigging plus trailer (glider trailer, balloon trailer) | not addressed | ||
| Instruments, avionics, rescue system, harness and accessories included | not addressed | ||
| Agreed value (no objection of over insurance) | not addressed | ||
| Deduction new for old or actual cash value for partial losses | not addressed | ||
| Engine damage, mechanical breakdown and wear excluded | not addressed | ||
| Salvage, transport and disposal costs after a hull loss | not addressed | ||
| Waiver of reduction for gross negligence | not addressed | ||
| War, terrorism, confiscation and hijacking risks (hull war) insurable | not addressed |
Accident cover for pilot and occupants
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Aviation accident insurance for pilot or occupants included or available | not addressed | ||
| Seat accident insurance for passengers (lump sum per seat) | not addressed | ||
| Disability benefit (basic sum, progression quoted) | not addressed | ||
| Death benefit | not addressed | ||
| Daily allowance, hospital allowance and medical expenses | not addressed | ||
| Search, rescue and recovery costs for persons (including helicopter rescue) | not addressed | ||
| Accident benefit is credited against liability claims | not addressed |
Scope and use
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Geographical scope (home country, Europe, worldwide) | not addressed | ||
| USA and Canada included | not addressed | ||
| Private and sporting use only (no commercial use) | not addressed | ||
| Training, familiarisation and supervised flights covered | yes | „Die erforderliche Ausbildungstätigkeit unter der Aufsicht eines hierfür amtlich …“ | Was ist versichert (Basisschutz), page 1 |
| Competitions and record attempts covered | not addressed | ||
| Aerobatics and acro flying covered | not addressed | ||
| Named pilots only (no open pilot clause) | not addressed | ||
| Minimum flying experience or age limit of the pilot required | not addressed |
Duties and exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| No cover without valid licence, rating or medical certificate (licence clause) | not addressed | ||
| No cover without registration, type approval or airworthiness | not addressed | ||
| No cover or reduced cover for breach of aviation rules | not addressed | ||
| Exclusion for alcohol, drugs or medication | not addressed | ||
| Exclusion of war, terrorism and hijacking in liability cover (clause AVN 48) | not addressed | ||
| Recourse of the insurer against pilot or operator after paying the injured party | not addressed | ||
| Deadline for reporting an accident or claim and notice to the authority | not addressed |
Contract and deductible
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible in liability cover | none | „Nein, im Rahmen der Gruppenfluglehrerhaftpflicht-Versicherung ist keine …“ | Muss ich im Schadenfall eine Selbstbeteiligung tragen, page 1 |
| Deductible in hull cover (fixed, percentage, higher in flight than on the ground) | not addressed | ||
| Contract term, renewal and notice period | yes | „Er verlängert sich mit dem Ablauf der Mitversicherungsdauer automatisch um ein Jahr und …“ | Wann beginnt und endet Ihr Versicherungsschutz, page 2 |
| Seasonal contract, short term cover or premium refund for lay up | yes | „Die Höhe des Beitrages hängt von der gewählten Versicherungssumme und im ersten …“ | Wie hoch ist der Beitrag, page 2 |
| Membership of an association or club required | yes | „Versichern können sich die Mitglieder der AOPA.“ | Welcher Personenkreis kann sich versichern, page 1 |
| Subsidiarity (cover only where no other insurer pays) | not addressed | ||
| Insurer's right to cancel after a claim | not addressed | ||
| Rating factors (aircraft type, take off mass, seats, value, flying experience, use) | yes | „Die Höhe des Beitrages hängt von der gewählten Versicherungssumme und im ersten …“ | Wie hoch ist der Beitrag, page 2 |
Evaluated by NAMMERT from published policy wordings.
Despite care, a value may be misread;
legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- AOPA-Germany, Verband der Allgemeinen Luftfahrt e.V. (Gruppenverträge für Mitglieder, Risikoträger am Text prüfen)
- Distribution
- direct from the insurer only
- Informationen zur Mitversicherung 2021, Gruppen-GFHV, Version 02/21 Edition: 01.02.2021 (Version 02/21) 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 AOPA-Germany Gruppenversicherung für Mitglieder and available
as plain text.
Volltext AOPA-Germany Gruppenversicherung für Mitglieder Luftfahrtversicherung · As text (Markdown) AOPA-Germany Gruppenversicherung für Mitglieder Aviation insurance