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DHV Halterhaftpflicht für Motorschirme: the policy wording in full
Halterhaftpflicht für Motorschirme, Trikes und Fußstart-UL unter 120 kg Leermasse mit 2 oder 5 Mio. Euro Deckungssumme, Bergungskosten bis 2.500 Euro und Geltung in Europa.
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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 DHV Halterhaftpflicht für
Motorschirme.
Basics and aircraft
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Form of contract (individual policy, group or master policy through an association or club) | yes | „Ich beantrage die angekreuzte Versicherung über den Gruppen-Versicherungsvertrag des …“ | Antrag, page 1 |
| Statutory minimum cover met (Regulation (EC) 785/2004 and national aviation law) | not addressed | ||
| Paragliders and hang gliders covered | yes | „Mitversichert ist das Gerät bei Benutzung ohne Motor als dafür mustergeprüfter/s …“ | Bedingungen (Auszug), Halter-Haftpflichtversicherung, page 2 |
| Powered paragliders and powered hang gliders (paramotor, trike) covered | yes | „Halter- Haftpflicht-Versicherung für Motorschirme, Motorschirm-Trikes und Fußstart-ULs“ | Antrag, Leistungstabelle, page 1 |
| Ultralight and microlight aircraft up to 600 kg (three axis, gyrocopter, ultralight helicopter) covered | yes | „Motorschirm-Trikes und Fußstart-ULs (Minimum) < 120 kg Leermasse“ | Antrag, Leistungstabelle, page 1 |
| Gliders and motor gliders (including touring motor gliders) covered | not addressed | ||
| General aviation powered aircraft covered (with take off mass limit) | not addressed | ||
| Hot air balloons, gas balloons and airships covered | not addressed | ||
| 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) | yes | „Der Versicherungsschutz gilt auch für die weiteren Hängegleiter und Gleitsegel ohne …“ | Bedingungen (Auszug), Zusätzlich nur für Einzelpersonen, page 2 |
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 | yes, up to EUR 2 million | „Deckungssumme für Personen- und 2.000.000 € 5.000.000 € Sachschäden“ | Antrag, Leistungstabelle, page 1 |
| Strict liability of the operator covered (liability without fault) | yes | „Versichert ist die gesetzliche Haftpflicht als Halter des versicherten …“ | Bedingungen (Auszug), Halter-Haftpflichtversicherung, page 2 |
| Personal liability of the authorised pilot included | yes | „Mitversichert ist die gesetzliche Haftpflicht des Halters und des berechtigten Piloten …“ | Bedingungen (Auszug), Halter-Haftpflichtversicherung, page 2 |
| 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 | not addressed | ||
| Towing covered (winch launch, ultralight tow, aerotow, banner towing) | yes | „Mitversichert ist das Schleppen von Hängegleitern durch das versicherte …“ | Bedingungen (Auszug), Halter-Haftpflichtversicherung, page 2 |
| 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 | yes, up to EUR 2,500 | „Bergekostenversicherung je 2.500 € 2.500 € Bergungsfall (personenbezogen)“ | Antrag, Leistungstabelle, page 1 |
| Certificate of insurance for authorities, airfields or competitions (also in English) | not addressed |
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 | no | „Keine Übernahme von zusätzlich entstehenden Kosten für die Bergung des Luftsportgerätes“ | Bedingungen (Auszug), Bergungskostenversicherung, page 2 |
| 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) | yes, up to EUR 2,500 | „Die Bergungskosten-Versicherung besteht personenbezogen, also nur für das Mitglied …“ | Bedingungen (Auszug), Bergungskostenversicherung, page 2 |
| Accident benefit is credited against liability claims | not addressed |
Scope and use
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Geographical scope (home country, Europe, worldwide) | yes | „Die Deckung gilt bei Ultraleichtflugzeugen für Europa und kann auf vorausgehenden …“ | Bedingungen (Auszug), page 2 |
| USA and Canada included | no | „Die Deckung gilt bei Ultraleichtflugzeugen für Europa und kann auf vorausgehenden …“ | Bedingungen (Auszug), page 2 |
| Private and sporting use only (no commercial use) | not addressed | ||
| Training, familiarisation and supervised flights covered | yes | „sie darauf zurückzuführen sind, dass der Pilot keinen ordnungsgemäßen Luftfahrerschein …“ | Bedingungen (Auszug), Ausschlüsse, page 2 |
| Competitions and record attempts covered | not addressed | ||
| Aerobatics and acro flying covered | not addressed | ||
| Named pilots only (no open pilot clause) | none | „Mitversichert ist die gesetzliche Haftpflicht des Halters und des berechtigten Piloten …“ | Bedingungen (Auszug), Halter-Haftpflichtversicherung, page 2 |
| 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) | yes | „sie darauf zurückzuführen sind, dass der Pilot keinen ordnungsgemäßen Luftfahrerschein …“ | Bedingungen (Auszug), Ausschlüsse, page 2 |
| No cover without registration, type approval or airworthiness | yes | „bzw. für das Ultraleichtflugzeug keine ordnungsgemäße Musterprüfung bzw …“ | Bedingungen (Auszug), Ausschlüsse, page 2 |
| 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 | yes | „Schadenfälle sind unverzüglich - d.h. spätestens innerhalb 1 Woche - dem DHV …“ | Bedingungen (Auszug), page 2 |
Contract and deductible
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible in liability cover | none | „ohne SB 72,60 €/ Jahr 176,00 €/ Jahr mit 250 € SB“ | Antrag, Leistungstabelle, 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 um ein Jahr und weiter von Jahr zu Jahr …“ | Bedingungen (Auszug), page 2 |
| Seasonal contract, short term cover or premium refund for lay up | not addressed | ||
| Membership of an association or club required | yes | „Mit der Beendigung der Mitgliedschaft beim DHV endet automatisch auch der …“ | Bedingungen (Auszug), page 2 |
| 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 | „ohne SB 72,60 €/ Jahr 176,00 €/ Jahr“ | Antrag, Leistungstabelle, page 1 |
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
- Deutscher Hängegleiterverband e.V. (Gruppenvertrag für Mitglieder, Risikoträger HDI Global SE)
- Distribution
- direct from the insurer only
- UL-Haftpflicht: Versicherungsantrag Edition: Januar 2024 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 DHV Halterhaftpflicht für Motorschirme and available as plain
text.
Volltext DHV Halterhaftpflicht für Motorschirme Luftfahrtversicherung · As text (Markdown) DHV Halterhaftpflicht für Motorschirme Aviation insurance