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GDV Musterbedingungen Musterbedingungen -Kasko: the policy wording in full
Unverbindliche Musterbedingungen des GDV für die Luftfahrt-Kasko, Fassung November 2021; Versicherungssumme, Selbstbeteiligung und Kostengrenzen 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 -Kasko.
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 | not addressed | ||
| Strict liability of the operator covered (liability without fault) | not addressed | ||
| Personal liability of the authorised pilot included | not addressed | ||
| 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) | 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) | 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 | yes, up to the sum insured | „für jedes auf das Luftfahrzeug von außen einwirkende Schadenereignis, das ... Total …“ | 1.2, page 1 |
| Flight, taxiing and ground risks covered (all risks) | yes | „für jedes auf das Luftfahrzeug von außen einwirkende Schadenereignis“ | 1.2, page 1 |
| Ground risk only cover available (for example during winter lay up) | yes | „In der Stillliegekaskoversicherung umfasst der ... lediglich das Ruherisiko ... und …“ | 1.3, page 1 |
| Theft, burglary, robbery and vandalism | yes, up to the sum insured | „Im Fall von Entwendung oder Verschollenheit wird nicht vor Ablauf einer dreimonatigen …“ | 3.4, page 2 |
| Transport, rigging and derigging plus trailer (glider trailer, balloon trailer) | yes, up to the sum insured | „Straßentransporte von Segelflugzeugen, Motorseglern und Ballonen, ferner Transporte von …“ | 4.1.11, page 3 |
| Instruments, avionics, rescue system, harness and accessories included | yes, up to the sum insured | „Für Zusatzausrüstungen besteht ... nur nach besonderer Vereinbarung.“ | 1.1, page 1 |
| Agreed value (no objection of over insurance) | yes | „Bei vereinbartem Taxwert wird dieser ersetzt, soweit keine Überversicherung besteht.“ | 3.1.1, page 2 |
| Deduction new for old or actual cash value for partial losses | none | „Im Teilschadenfall ersetzt der Versicherer die schadenbedingten Aufwendungen für die …“ | 3.2.1, page 2 |
| Engine damage, mechanical breakdown and wear excluded | yes | „aus innerer Ursache am Triebwerk oder durch im Triebwerk oder Triebwerkschacht …“ | 4.1.6, page 3 |
| Salvage, transport and disposal costs after a hull loss | yes, up to the sum insured | „Suche, Bergung und Transport bis x % der Versicherungssumme je Luftfahrzeug“ | 3.2.1.1, page 2 |
| Waiver of reduction for gross negligence | no | „die auf Vorsatz oder grobe Fahrlässigkeit des Versicherungsnehmers zurückzuführen sind.“ | 4.1.9, page 3 |
| War, terrorism, confiscation and hijacking risks (hull war) insurable | no | „die zusammenhängen mit Kriegs- oder Bürgerkriegsereignissen, anderen feindseligen …“ | 4.1.1, page 2 |
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 | „Der Versicherungsschutz gilt weltweit für alle während der Versicherungsdauer …“ | 2, page 2 |
| USA and Canada included | yes | „Der Versicherungsschutz gilt weltweit für alle während der Versicherungsdauer …“ | 2, page 2 |
| 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) | yes | „das Luftfahrzeug durch andere als nach dem Versicherungsvertrag als berechtigt genannte …“ | 4.2.2, page 3 |
| 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 | „wenn der/die Führer des Luftfahrzeugs bei Eintritt des Schadenereignisses die …“ | 1.4.2, page 1 |
| No cover without registration, type approval or airworthiness | yes | „wenn sie sich bei Eintritt des Schadenereignisses in einem Zustand befunden haben, der …“ | 1.4.1, page 1 |
| No cover or reduced cover for breach of aviation rules | yes | „und/oder wenn ... Genehmigungen, soweit erforderlich“ | 1.4.1, page 1 |
| 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 | yes, up to the sum insured | „nimmt der Versicherer nur in Regress bei ... oder grobfahrlässiger“ | 4.1.9, page 3 |
| Deadline for reporting an accident or claim and notice to the authority | yes | „Jeder Schadenfall ist dem Versicherer oder der im Versicherungsschein bezeichneten …“ | 16.1, page 6 |
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) | yes, up to the sum insured | „Abzug der vereinbarten Selbstbeteiligung“ | 3.2.1, page 2 |
| Contract term, renewal and notice period | yes | „Bei einer Vertragsdauer von mindestens einem Jahr verlängert sich der Vertrag um …“ | 11.2, page 4 |
| 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) | yes | „wenn oder soweit eine Feuer- oder andere Sachversicherung leistungspflichtig ist.“ | 4.1.13, page 3 |
| Insurer's right to cancel after a claim | yes | „Das Versicherungsverhältnis kann gekündigt ... wenn der Versicherer eine Leistung nach …“ | 13.1, page 4 |
| Rating factors (aircraft type, take off mass, seats, value, flying experience, use) | 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
- Gesamtverband der Deutschen Versicherungswirtschaft e.V. (unverbindliche Musterbedingungen, kein Anbieter)
- Distribution
- not known
- Luftfahrt-Kaskoversicherungs-Bedingungen (LKB 2008) Edition: LKB 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 -Kasko and available
as plain text.
Volltext GDV Musterbedingungen Musterbedingungen -Kasko Luftfahrtversicherung · As text (Markdown) GDV Musterbedingungen Musterbedingungen -Kasko Aviation insurance