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GDV Musterbedingungen Musterbedingungen: the policy wording in full
Unverbindliche Musterbedingungen des GDV für die Halter- und Luftfrachtführer-Haftpflicht, Fassung November 2021; Summen, Luftfahrzeuge und Selbstbeteiligung ergeben sich aus dem Versicherungsschein.
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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 GDV Musterbedingungen
Musterbedingungen.
Basics and aircraft
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Form of contract (individual policy, group or master policy through an association or club) | not addressed | ||
| 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 | not addressed | ||
| 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) | 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 | yes, up to the sum insured | „die gesetzliche Haftpflicht aus dem Gebrauch von Luftfahrzeugen wegen ... von Personen …“ | 2.1, page 1 |
| Strict liability of the operator covered (liability without fault) | yes | „gesetzlicher Haftpflichtbestimmungen privatrechtlichen Inhalts“ | 1, page 4 |
| Personal liability of the authorised pilot included | yes | „des Halters sowie aller Personen, die mit Wissen und Willen des Halters an der Führung …“ | 3.1.1, page 2 |
| Pure financial loss (without prior bodily injury or property damage) | yes, up to the sum insured | „die gesetzliche Haftpflicht wegen Vermögensschäden Dritter aus einem Schadenereignis …“ | Besondere Bedingungen, Einschluss von Vermögensschäden 1, page 10 |
| 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) | 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 | yes, up to the sum insured | „Dieser Ausschluss gilt nicht für Haftpflichtansprüche wegen Schäden durch Feuer …“ | 7.7.2, page 5 |
| Defence against unfounded claims plus search, rescue and recovery costs | yes, up to the sum insured | „Die Aufwendungen des Versicherers für Kosten werden nicht auf die Versicherungssumme …“ | 5.4, page 2 |
| 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) | yes, up to the sum insured | „die gesetzliche Haftpflicht aus der aus Vertrag geschuldeten Beförderung oder der …“ | 2.2, page 1 |
| 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 | no | „aus Schadenfällen von seinen Angehörigen, die mit ihm in häuslicher Gemeinschaft leben …“ | 7.11.1, page 4 |
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) | yes | „Eingeschlossen ist die gesetzliche Haftpflicht nach jeweils geltendem Recht wegen im …“ | 6.1.1, page 3 |
| USA and Canada included | no | „Für Versicherungsfälle in den USA, US-Territorien oder Kanada besteht – abweichend von …“ | 6.1.2, page 3 |
| Private and sporting use only (no commercial use) | not addressed | ||
| Training, familiarisation and supervised flights covered | not addressed | ||
| Competitions and record attempts covered | not addressed | ||
| Aerobatics and acro flying covered | not addressed | ||
| Named pilots only (no open pilot clause) | none | „aller Personen, die mit Wissen und Willen des Halters an der Führung und Bedienung der …“ | 3.1.1, 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 | „Haftpflichtansprüche, wenn der/die Führer des Luftfahrzeugs bei Eintritt des …“ | 7.4, page 4 |
| No cover without registration, type approval or airworthiness | yes | „Haftpflichtansprüche, wenn sich bei Eintritt des Schadenereignisses das Luftfahrzeug …“ | 7.2, page 3 |
| No cover or reduced cover for breach of aviation rules | yes | „entsprochen hat und/oder die behördlichen ... soweit erforderlich, nicht erteilt“ | 7.2, page 3 |
| Exclusion for alcohol, drugs or medication | not addressed | ||
| Exclusion of war, terrorism and hijacking in liability cover (clause AVN 48) | yes | „Haftpflichtansprüche wegen Schäden, die ... mit Kriegs- oder ... anderen feindseligen …“ | 7.8, page 4 |
| 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 | „Jeder Versicherungsfall ist dem Versicherer unverzüglich anzuzeigen, auch wenn noch …“ | 20.1, page 7 |
Contract and deductible
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible in liability cover | not addressed | ||
| Deductible in hull cover (fixed, percentage, higher in flight than on the ground) | not addressed | ||
| Contract term, renewal and notice period | yes | „Bei einer Vertragsdauer von mindestens einem Jahr verlängert sich der Vertrag um …“ | 14.2, page 6 |
| Seasonal contract, short term cover or premium refund for lay up | not addressed | ||
| Membership of an association or club required | not addressed | ||
| Subsidiarity (cover only where no other insurer pays) | not addressed | ||
| Insurer's right to cancel after a claim | yes | „Das Versicherungsverhältnis kann gekündigt werden, wenn vom Versicherer eine …“ | 16.1, page 6 |
| Rating factors (aircraft type, take off mass, seats, value, flying experience, use) | not addressed |
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
- Gesamtverband der Deutschen Versicherungswirtschaft e.V. (unverbindliche Musterbedingungen, kein Anbieter)
- Distribution
- not known
- Luftfahrt-Haftpflichtversicherungs-Bedingungen für Luftfahrzeughalter und Luftfrachtführer (LHB 2008) Edition: LHB 2008, Stand November 2021 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 GDV Musterbedingungen Musterbedingungen and available as
plain text.
Volltext GDV Musterbedingungen Musterbedingungen Luftfahrtversicherung · As text (Markdown) GDV Musterbedingungen Musterbedingungen Aviation insurance