Insurance broker / Horse liability insurance in Germany (Pferdehaftpflicht) / Policy wording archive
die Bayerische Komfort: the policy wording in full
Pferdehalterhaftpflicht Komfort mit weltweitem Schutz, Deckschäden, Reitveranstaltungen und Mietsachschäden; ausgelesen nur aus dem Produktinformationsblatt, Summen laut Versicherungsschein.
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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 die Bayerische Komfort.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Combined limit for bodily injury, property damage and financial loss | as stated in the policy schedule | „Die Höhe der vereinbarten Versicherungssummen können Sie Ihrem Antrag oder auch Ihrem …“ | Was ist versichert?, page 1 |
| Cap per injured person for bodily injury | not addressed | ||
| 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 | yes | „Wenn Sie eine Selbstbeteiligung vereinbart haben, ist diese bei jedem Versicherungsfall …“ | Gibt es Deckungseinschränkungen?, page 1 |
| Territorial scope (home country, Europe, worldwide) and temporary stays abroad with the horse | yes | „Die Pferdehalterhaftpflichtversicherung gilt weltweit. Auch wenn Ihr Pferd während …“ | Wo bin ich versichert?, page 1 |
| Provisional cover for new risks (for example another horse) until notified | not addressed | ||
| Previous cover or best cover guarantee (better terms of the prior policy or of another insurer apply) | not addressed | ||
| Update guarantee: future improvements apply to existing policies at no extra premium | not addressed |
Insured horses
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured species (horse, pony, donkey, mule, miniature horse) | not addressed | ||
| Foals of the insured mare covered free of charge, up to which age | not addressed | ||
| 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) | not addressed | ||
| 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) | not addressed | ||
| Liability of third party riders (non professional riders using the horse with permission) | not addressed | ||
| Bodily injury to the third party rider (fall from the insured horse) | not addressed | ||
| Riding share (regular co riders paying a contribution) covered | not addressed | ||
| Liability of the non professional minder (friends, neighbours, stable community) | yes | „die auf Ihr Pferd zurückzuführen sind und für die Sie als Halter oder von Ihnen …“ | Was ist versichert?, page 1 |
| Bodily injury to the minder (the horse injures the person looking after it) | not addressed | ||
| 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 | not addressed | ||
| Unintended covering (costs for a third party mare) | yes | „Deckschäden“ | Was ist versichert?, page 1 |
| Intended covering (damage during agreed breeding) | yes | „Deckschäden“ | Was ist versichert?, page 1 |
| Environmental damage under environmental liability law (water, protected species) | not addressed | ||
| Water pollution, for example from manure | not addressed |
Rented and borrowed property
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Damage to rented boxes, stables, paddocks and riding halls | yes | „Mietsachschäden“ | Was ist versichert?, page 1 |
| Damage to borrowed or rented tack and riding equipment | yes | „Schäden an geliehenen Sachen“ | Was ist versichert?, page 1 |
| Damage to a borrowed or rented horse trailer or horse box | not addressed | ||
| Damage to borrowed carriages and wagons | not addressed | ||
| Gradual damage from pawing, chewing or urine | not addressed |
Riding, sport and use
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Shows, equestrian events and competitions (participation and training) | yes | „Schäden während Teilnahme in Reitveranstaltungen“ | Was ist versichert?, page 1 |
| Horse races, endurance rides and flat races | not addressed | ||
| Carriage driving (driving sport and private drives) | not addressed | ||
| Hunt riding, drag hunts and fox hunts | not addressed | ||
| Vaulting and private riding lessons | not addressed | ||
| Transport of the horse (loading, travel in trailer, unloading) | not addressed | ||
| Commercial or agricultural use (riding school, hiring out, livery, paid breeding) | no | „gewerblich oder landwirtschaftlich gehaltene Tiere, die über eine gesonderte …“ | Was ist nicht versichert?, page 1 |
| 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 | not addressed | ||
| Defence against unjustified claims including court and lawyer costs | yes | „gegen Sie geltend gemachte Haftpflichtansprüche zu prüfen, berechtigte Ansprüche zu …“ | Was ist versichert?, page 1 |
| Criminal or administrative defence costs after damage caused by the horse | not addressed | ||
| Criminal bail abroad | not addressed |
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) | yes | „Zeigen Sie uns jeden Schadenfall unverzüglich an, auch wenn gegen Sie noch keine …“ | Welche Verpflichtungen habe ich?, page 1 |
| Death, sale or replacement of the horse (end of contract or transfer) | not addressed | ||
| Term and cancellation (notice, daily cancellation, cancellation after a claim) | yes | „Ebenfalls können Sie und wir nach dem Eintritt eines ersatzpflichtigen Schadenfalles …“ | Wie kann ich den Vertrag kündigen?, page 2 |
| Special exclusions (for example intent, races, commercial use, injury to the rider, own property) | yes | „wegen vorsätzlicher Handlungen, durch den Gebrauch eines versicherungspflichtigen …“ | Gibt es Deckungseinschränkungen?, page 1 |
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.
Please report errors, we correct them the same day.
Policy wordings and provider
- Legal entity
- BA die Bayerische Allgemeine Versicherung AG
- Distribution
- brokers and direct
- Pferdehalterhaftpflichtversicherung Informationsblatt zu Versicherungsprodukten Komfort (333027) Edition: B 333027 (05.23), Komfort 2023 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 die Bayerische Komfort and available as plain text.
Volltext die Bayerische Komfort · As text (Markdown) die Bayerische Komfort