Insurance broker / Horse liability insurance in Germany (Pferdehaftpflicht) / Policy wording archive
InterRisk Tierhalterhaftpflicht (Pferd): the policy wording in full
Tierhalterhaftpflicht XXL für Pferde, Kleinpferde, Ponys, Esel und Maultiere mit Reitbeteiligung, Turnieren, Kutschfahrten, Deckakt, Flurschäden, Mietsachschäden an Stall und Weide und Kaution bis 250.000 Euro.
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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 InterRisk Tierhalterhaftpflicht (Pferd).
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Combined limit for bodily injury, property damage and financial loss | as stated in the policy schedule | ||
| Cap per injured person for bodily injury | not addressed | ||
| Pure financial loss (without prior bodily injury or property damage) | yes | „Auch für reine Vermögensschäden besteht Versicherungsschutz“ | § 6, page 3 |
| 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 | not addressed | ||
| Provisional cover for new risks (for example another horse) until notified | yes | „Werden nach Abschluss der Versicherung weitere Hunde, Reit- oder Zugtiere angeschafft …“ | § 1 Nr. 2.2, page 2 |
| 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) | yes | „von Hunden sowie Reit- und Zugtieren (z.B. Pferde, Kleinpferde, Ponys, Maultiere, Esel).“ | § 1 Nr. 1.1, page 2 |
| Foals of the insured mare covered free of charge, up to which age | yes | „Bis zur Vollendung des ersten Lebensjahres stellen diese jedoch keine Risikoerweiterung …“ | § 1 Nr. 2.3, page 2 |
| Several horses in one policy and discount from the second horse | yes | „Sämtliche vorhandenen Tiere derselben Gattung müssen zur Beitragsberechnung angegeben …“ | § 1 Nr. 2.1, page 2 |
| 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) | yes | „Ihre Familienangehörigen, sonstige mit Ihnen in häuslicher Gemeinschaft lebende …“ | § 2 Nr. 1.1, page 2 |
| Liability of third party riders (non professional riders using the horse with permission) | yes | „Mitversichert ist die gesetzliche Haftpflicht von berechtigten Reitern sowie Inhabern …“ | § 2 Nr. 3.1, page 2 |
| Bodily injury to the third party rider (fall from the insured horse) | yes | „Haftpflichtansprüche der nach Nr. 2 und 3 versicherten Personen“ | § 2 Nr. 4 c), page 2 |
| Riding share (regular co riders paying a contribution) covered | yes | „Mitversichert ist die gesetzliche Haftpflicht von berechtigten Reitern sowie Inhabern …“ | § 2 Nr. 3.1, page 2 |
| Liability of the non professional minder (friends, neighbours, stable community) | yes | „Mitversichert ist die gesetzliche Haftpflicht von Personen, die im Auftrag des …“ | § 2 Nr. 2.1, page 2 |
| Bodily injury to the minder (the horse injures the person looking after it) | yes | „Haftpflichtansprüche der nach Nr. 2 und 3 versicherten Personen“ | § 2 Nr. 4 c), page 2 |
| Claims between family members and co-insured persons | yes | „untereinander sind mitversichert, soweit es sich handelt um: a) Personenschäden“ | § 2 Nr. 4, page 2 |
| 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 | „Mitversichert sind Haftpflichtansprüche gegen versicherte Personen wegen Flurschäden …“ | Erläuterungen zu § 1, page 5 |
| Unintended covering (costs for a third party mare) | yes | „Mitversichert sind Haftpflichtansprüche gegen versicherte Personen wegen Flurschäden …“ | Erläuterungen zu § 1, page 5 |
| Intended covering (damage during agreed breeding) | yes | „Mitversichert sind Haftpflichtansprüche gegen versicherte Personen wegen Flurschäden …“ | Erläuterungen zu § 1, page 5 |
| Environmental damage under environmental liability law (water, protected species) | yes | „die gesetzliche Pflicht öffentlich-rechtlichen Inhalts der versicherten Personen zur …“ | § 8 Nr. 1, page 4 |
| Water pollution, for example from manure | yes | „als Inhaber von Kleingebinden zur Lagerung gewässerschädlicher Stoffe bis 100 Liter/ …“ | § 7 Nr. 2, page 3 |
Rented and borrowed property
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Damage to rented boxes, stables, paddocks and riding halls | yes | „gemieteten, geliehenen, gepachteten oder geleasten a) Grundstücken (z.B. Weide …“ | § 5 Nr. 1.1, page 3 |
| Damage to borrowed or rented tack and riding equipment | yes, up to EUR 10,000 | „die gemietet, geliehen, gepachtet oder geleast wurden oder die Gegenstand eines …“ | § 5 Nr. 2.1, page 3 |
| Damage to a borrowed or rented horse trailer or horse box | yes | „Mitversichert sind Haftpflichtansprüche gegen versicherte Personen wegen Schäden an zu …“ | § 5 Nr. 1.3, page 2 |
| Damage to borrowed carriages and wagons | yes, up to EUR 10,000 | „die gemietet, geliehen, gepachtet oder geleast wurden oder die Gegenstand eines …“ | § 5 Nr. 2.1, page 3 |
| Gradual damage from pawing, chewing or urine | no | „Ausgeschlossen bleiben Haftpflichtansprüche wegen a) Abnutzung, Verschleiß und …“ | § 5 Nr. 1.4, page 3 |
Riding, sport and use
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Shows, equestrian events and competitions (participation and training) | yes | „Der Versicherungsschutz gilt auch für die private Teilnahme an Veranstaltungen (z.B …“ | § 2 Nr. 3.1, page 2 |
| Horse races, endurance rides and flat races | yes | „an Rennen und Turnieren (z.B. Hundeschlittenrennen oder Distanzritte)“ | Erläuterungen zu § 1, page 4 |
| Carriage driving (driving sport and private drives) | yes | „Gebrauch von durch Zugtiere (auch Hunde) gezogenen Schlitten, Kutschen und sonstigen …“ | § 4 Nr. 2.1, page 3 |
| Hunt riding, drag hunts and fox hunts | not addressed | ||
| Vaulting and private riding lessons | yes | „am Unterricht eines Hunde- oder Reitvereins oder eines gewerblichen Hundetrainers oder …“ | Erläuterungen zu § 1, page 5 |
| Transport of the horse (loading, travel in trailer, unloading) | yes | „versicherten Tierhalter aus dem privaten Besitz und Gebrauch von nicht …“ | § 4 Nr. 3, page 3 |
| Commercial or agricultural use (riding school, hiring out, livery, paid breeding) | not addressed | ||
| 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 | not addressed | ||
| Criminal or administrative defence costs after damage caused by the horse | not addressed | ||
| Criminal bail abroad | yes, up to EUR 250,000 | „stellen wir Ihnen den erforderlichen Betrag bis zur Höhe von 250.000 € zur Verfügung.“ | § 9, page 4 |
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) | yes | „Mitversichert sind Haftpflichtansprüche gegen versicherte Personen wegen Schäden beim …“ | Erläuterungen zu § 1, page 5 |
| Duties in the event of a claim (notification deadline, no admission without consent) | yes | „Die in § 8 der B62 genannten Folgen treten bei versehentlicher Obliegenheitsverletzung …“ | § 10, page 4 |
| 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) | yes | „sofern Sie nicht beweisen, dass die versicherten Personen weder vorsätzlich noch grob …“ | § 3 f), page 2 |
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
- InterRisk Versicherungs-AG Vienna Insurance Group.
- Distribution
- available through brokers
- InterRisk Versicherungsbedingungen Tierhalterhaftpflicht (B 69) Edition: B69, gültig ab 07.2013, Druck 06.26.3 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 InterRisk Tierhalterhaftpflicht (Pferd) and available as plain text.
Volltext InterRisk Tierhalterhaftpflicht (Pferd) · As text (Markdown) InterRisk Tierhalterhaftpflicht (Pferd)