Insurance broker / Horse liability insurance in Germany (Pferdehaftpflicht) / Policy wording archive
degenia Pferd T22 T26 Premium: the policy wording in full
Mittlere Linie T26 mit bis zu 20 Mio. Euro, Pferdesport, Kutschfahrten, Deckakt, Forderungsausfall ab 500 Euro und Kaution bis 50.000 Euro; ausgelesen aus der Leistungsübersicht.
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Everything about this policy
What the policy covers: 57 points, each with its clause
Quotes are shortened. The full German wording of each point is on the German page for degenia Pferd T22 T26 Premium.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Combined limit for bodily injury, property damage and financial loss | yes, up to EUR 20 million | „Personen, Sach- und Vermögensschäden pauschal bis zu 10 Mio. EUR“ | Versicherungssummen, page 1 |
| Cap per injured person for bodily injury | yes, up to EUR 15 million | „bis zu 20 Mio. EUR bis zu 40 Mio. EUR, max. 15 Mio. EUR für max. 15 Mio. EUR für“ | Versicherungssummen, page 1 |
| Pure financial loss (without prior bodily injury or property damage) | not addressed | ||
| Annual aggregate limit for all claims in an insurance year | not addressed | ||
| Deductible per claim | not addressed | ||
| Territorial scope (home country, Europe, worldwide) and temporary stays abroad with the horse | yes | „Vorübergehender Auslandsaufenthalt außerhalb Europas unbegrenzt unbegrenzt unbegrenzt“ | Schäden im Ausland, page 2 |
| Provisional cover for new risks (for example another horse) until notified | yes, up to EUR 20 million | „Vorsorgeversicherung in Höhe der Versicherungssumme“ | Versicherungssummen, page 1 |
| Previous cover or best cover guarantee (better terms of the prior policy or of another insurer apply) | no | „Best-Leistungs-Garantie - -“ | Besondere Klauseln, page 3 |
| Update guarantee: future improvements apply to existing policies at no extra premium | yes | „Innovationsklausel/Künftige Bedingungsverbesserungen“ | Besondere Klauseln, page 3 |
Insured horses
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured species (horse, pony, donkey, mule, miniature horse) | yes | „Für Tiere, die unter die Definition eines Gnadenbrotpferdes ohne Beritt ohne Beritt …“ | Sonstige besondere Regelungen, page 1 |
| Foals of the insured mare covered free of charge, up to which age | yes | „Haltung von Fohlen der versicherten Stute nach Geburt bis zu 12 Monate bis zu 18 Monate …“ | Sonstige besondere Regelungen, page 2 |
| Several horses in one policy and discount from the second horse | not addressed | ||
| Minimum and maximum age of the horse at inception | not addressed | ||
| Stallions insurable (with or without surcharge) | not addressed | ||
| Third party horses borrowed or taken into care temporarily (trial, foster horse) | yes | „Reiter oder aus dem Führen fremder Pferde (subsidiärer Versicherungsschutz) -“ | Sonstige besondere Regelungen, page 2 |
| Therapy horse and use in riding therapy | not addressed |
Riders, minders and family
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Co-insured persons (spouse or partner, children, household members as keeper, rider or handler) | yes | „Ehepartner und eingetragener Lebenspartner des Versicherungsnehmers“ | Mitversicherte Personen, page 1 |
| Liability of third party riders (non professional riders using the horse with permission) | yes | „Berechtigte Reiter (Fremdreiter) oder Reitbeteiligte“ | Mitversicherte Personen, page 1 |
| Bodily injury to the third party rider (fall from the insured horse) | yes | „Ansprüche der Tierhalter/Mithalter gegen den Versicherungsnehmer -“ | Mitversicherte Personen, page 1 |
| Riding share (regular co riders paying a contribution) covered | yes | „Berechtigte Reiter (Fremdreiter) oder Reitbeteiligte“ | Mitversicherte Personen, page 1 |
| Liability of the non professional minder (friends, neighbours, stable community) | yes | „Tierhüter, sofern nicht gewerbsmäßig tätig“ | Mitversicherte Personen, page 1 |
| Bodily injury to the minder (the horse injures the person looking after it) | yes | „Ansprüche der Tierhüter gegen den Versicherungsnehmer“ | Mitversicherte Personen, page 1 |
| Claims between family members and co-insured persons | not addressed | ||
| Riding and handling by minors and liability for supervision | not addressed |
Damage caused by the horse
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Bodily injury to third parties (kick, bite, fall) including pain and suffering | not addressed | ||
| Injury to third party animals including vet costs | not addressed | ||
| Road accident caused by the escaped or ridden horse | not addressed | ||
| Damage to fields, meadows, paths and forests | yes | „Flurschäden oder Schäden durch tierische Ausscheidungen -“ | Sonstige besondere Regelungen, page 2 |
| Unintended covering (costs for a third party mare) | yes | „Schäden durch gewollten und ungewollten Deckakt -“ | Sonstige besondere Regelungen, page 1 |
| Intended covering (damage during agreed breeding) | yes | „Schäden durch gewollten und ungewollten Deckakt -“ | Sonstige besondere Regelungen, page 1 |
| Environmental damage under environmental liability law (water, protected species) | yes, up to EUR 3 million | „Sanierung von Umweltschäden gemäß USchadG Jahreshöchst- Jahreshöchst- Jahreshöchst …“ | Besondere Umweltrisiken, page 2 |
| Water pollution, for example from manure | yes, up to EUR 3 million | „Lagerung von gewässerschädlichen Stoffen aus Anlagen, bis zu 50 l/kg, bis zu 100 l/kg …“ | Besondere Umweltrisiken, page 2 |
Rented and borrowed property
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Damage to rented boxes, stables, paddocks and riding halls | yes, excess EUR 250 | „Schäden an Wohnräumen und sonstigen zu privaten Zwecken gemieteten Räumen in Gebäuden …“ | Mietsachschäden, page 1 |
| Damage to borrowed or rented tack and riding equipment | yes, up to EUR 5,000, excess EUR 100 | „Beschädigung, Vernichtung oder Abhandenkommen gemieteter bis zu 1.000 EUR² bis zu 5.000 …“ | Mietsachschäden, page 1 |
| Damage to a borrowed or rented horse trailer or horse box | yes, up to EUR 5,000, excess EUR 250 | „Beschädigung von gemieteten Tierfuhrwerken bis zu 5.000 EUR² bis zu 10.000 EUR² oder …“ | Mietsachschäden, page 1 |
| Damage to borrowed carriages and wagons | yes, up to EUR 5,000, excess EUR 250 | „Beschädigung von gemieteten Tierfuhrwerken bis zu 5.000 EUR² bis zu 10.000 EUR² oder …“ | Mietsachschäden, page 1 |
| Gradual damage from pawing, chewing or urine | yes | „Flurschäden oder Schäden durch tierische Ausscheidungen -“ | Sonstige besondere Regelungen, page 2 |
Riding, sport and use
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Shows, equestrian events and competitions (participation and training) | yes | „Ausübung von Pferdesport (z.B. Dressurreiten, Bodenarbeit, Wanderreiten) -“ | Sonstige besondere Regelungen, page 2 |
| Horse races, endurance rides and flat races | not addressed | ||
| Carriage driving (driving sport and private drives) | yes | „Verwendung der versicherten Tiere als Zugtiere bei privaten Fahrten mit eigener oder …“ | Sonstige besondere Regelungen, page 2 |
| Hunt riding, drag hunts and fox hunts | not addressed | ||
| Vaulting and private riding lessons | yes | „Schäden durch Voltigieren -“ | Sonstige besondere Regelungen, page 2 |
| Transport of the horse (loading, travel in trailer, unloading) | yes | „Besitz und Gebrauch von eigenen oder fremden Tiertransportanhängern, soweit diese nicht …“ | Sonstige besondere Regelungen, page 2 |
| Commercial or agricultural use (riding school, hiring out, livery, paid breeding) | yes | „Freiberufliche und wirtschaftliche Tätigkeit zur Gewinnerzielung bis zu 3.000 EUR bis …“ | Sonstige besondere Regelungen, page 2 |
| Private hobby breeding and rearing | not addressed |
Protection and defence
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Default cover: payment when another animal keeper cannot pay for the damage suffered by the insured | yes | „Forderungsausfalldeckung - 500 EUR ohne Mindestschaden Mindestschaden“ | Forderungsausfallrisiko, page 3 |
| Defence against unjustified claims including court and lawyer costs | yes | „Spezial-Schadenersatz-Rechtsschutz - bis zu 300.000 EUR bis zu 300.000 EUR“ | Forderungsausfallrisiko, page 3 |
| Criminal or administrative defence costs after damage caused by the horse | not addressed | ||
| Criminal bail abroad | yes, up to EUR 50,000 | „Behördliche Anordnung zur Hinterlegung einer Kaution - bis zu 50.000 EUR bis zu 200.000 …“ | Schäden im Ausland, page 2 |
Contract and duties
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Meets an official or municipal insurance requirement (in Spain for example municipal bylaws for equines) | not addressed | ||
| Duty regarding equine passport, chip, registration of the horse | not addressed | ||
| Duties regarding fencing and supervision (paddock, pasture fence) | not addressed | ||
| Duties when riding on public roads (riding badge, lights, helmet) | not addressed | ||
| Duties in the event of a claim (notification deadline, no admission without consent) | not addressed | ||
| Death, sale or replacement of the horse (end of contract or transfer) | not addressed | ||
| Term and cancellation (notice, daily cancellation, cancellation after a claim) | not addressed | ||
| Special exclusions (for example intent, races, commercial use, injury to the rider, own property) | not addressed |
Evaluated by NAMMERT from published policy wordings.
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Policy wordings and provider
- Legal entity
- degenia Versicherungsdienst AG (Assekuradeur)
- Distribution
- available through brokers
- Leistungsübersicht DEG-THV Pferd T26 Edition: T26 Leistungsübersicht, ohne Datum im Text 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 degenia Pferd T22 T26 Premium and available as plain text.
Volltext degenia Pferd T22 T26 Premium · As text (Markdown) degenia Pferd T22 T26 Premium