Insurance broker / Horse liability insurance in Germany (Pferdehaftpflicht) / Policy wording archive
Neodigital Pferdehalterhaftpflicht: the policy wording in full
Einfache Pferdehalterhaftpflicht (NEO S) mit Fremdreitern bei gelegentlicher unentgeltlicher Überlassung, ungewolltem Deckakt, Fohlen bis 6 Monate, echten Vermögensschäden und täglichem Kündigungsrecht, Mietsachschäden nur an Wohnräumen.
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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 Neodigital Pferdehalterhaftpflicht.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Combined limit for bodily injury, property damage and financial loss | as stated in the policy schedule | „Die Entschädigungsleistung des Versicherers für Personen- und Sachschäden ist bei jedem …“ | A1-5.1, page 5 |
| Cap per injured person for bodily injury | not addressed | ||
| Pure financial loss (without prior bodily injury or property damage) | yes, up to the sum insured | „Versichert ist die gesetzliche Haftpflicht des Versicherungsnehmers wegen …“ | A1-6.5.1, page 6 |
| Annual aggregate limit for all claims in an insurance year | yes, up to the sum insured | „Die Entschädigungsleistungen des Versicherers sind für alle Versicherungsfälle eines …“ | A1-5.2, page 5 |
| Deductible per claim | none | „Falls vereinbart, beteiligt sich der Versicherungsnehmer bei jedem Versicherungsfall an …“ | A1-5.4, page 5 |
| Territorial scope (home country, Europe, worldwide) and temporary stays abroad with the horse | yes | „wenn diese bei einem vorübergehenden Auslandsaufenthalt bis zu 5 Jahren, innerhalb der …“ | A1-6.4, page 6 |
| Provisional cover for new risks (for example another horse) until notified | yes, up to the sum insured | „Im Umfang des bestehenden Vertrags ist die gesetzliche Haftpflicht des …“ | A1-9.1, page 8 |
| 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 | „die gesetzliche Haftpflicht des Versicherungsnehmers als Halter von Reit- und Zugtieren …“ | A1-1, page 5 |
| Foals of the insured mare covered free of charge, up to which age | yes | „Mitversichert sind die Fohlen des versicherten Pferdes bis zu einem Alter von 6 Monaten.“ | A1-20NEO-17, page 11 |
| 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) | yes | „Versichert ist die gesetzliche Haftpflicht des nicht gewerbsmäßig tätigen Pferdehüters …“ | A1-2.1, page 5 |
| Liability of third party riders (non professional riders using the horse with permission) | yes | „ist die gesetzliche Haftpflicht des Fremdreiters bei gelegentlicher, unentgeltlicher …“ | A1-2-01NEO, page 10 |
| Bodily injury to the third party rider (fall from the insured horse) | yes, up to the sum insured | „Die Haftpflichtansprüche der Fremdreiter gegen den Versicherungsnehmer sind mitversichert.“ | A1-2-01NEO, page 10 |
| Riding share (regular co riders paying a contribution) covered | not addressed | ||
| Liability of the non professional minder (friends, neighbours, stable community) | yes | „Versichert ist die gesetzliche Haftpflicht des nicht gewerbsmäßig tätigen Pferdehüters …“ | A1-2.1, page 5 |
| Bodily injury to the minder (the horse injures the person looking after it) | not addressed | ||
| Claims between family members and co-insured persons | no | „aus Schadenfällen seiner Angehörigen, die mit ihm in häuslicher Gemeinschaft leben oder …“ | A1-7.4 (1), page 7 |
| 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 | yes, up to the sum insured | „das einen Personen-, Sach- oder sich daraus ergebenden Vermögensschaden zur Folge hatte“ | A1-3.1, page 5 |
| Injury to third party animals including vet costs | yes, up to the sum insured | „das einen Personen-, Sach- oder sich daraus ergebenden Vermögensschaden zur Folge hatte“ | A1-3.1, page 5 |
| 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, up to the sum insured | „Mitversichert ist die gesetzliche Haftpflicht des Versicherungsnehmers wegen Schäden …“ | A1-20NEO-11, page 11 |
| Intended covering (damage during agreed breeding) | not addressed | ||
| Environmental damage under environmental liability law (water, protected species) | yes, up to the sum insured | „Versichert sind – abweichend von A1-3.1 - den Versicherungsnehmer betreffende …“ | A2-1, page 8 |
| 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 | no | „Versichert ist die gesetzliche Haftpflicht des Versicherungsnehmers wegen …“ | A1-20NEO-02, page 11 |
| Damage to borrowed or rented tack and riding equipment | no | „Ausgeschlossen sind Ansprüche wegen Schäden an fremden Sachen und allen sich daraus …“ | A1-7.5, page 7 |
| Damage to a borrowed or rented horse trailer or horse box | no | „Ausgeschlossen sind Ansprüche wegen Schäden an fremden Sachen und allen sich daraus …“ | A1-7.5, page 7 |
| Damage to borrowed carriages and wagons | no | „Ausgeschlossen sind Ansprüche wegen Schäden an fremden Sachen und allen sich daraus …“ | A1-7.5, page 7 |
| 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) | not addressed | ||
| 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.“ | Produktinformationsblatt, page 18 |
| 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 | „die Abwehr unberechtigter Schadensersatzansprüche und“ | A1-4.1, page 5 |
| Criminal or administrative defence costs after damage caused by the horse | yes, up to the sum insured | „so trägt der Versicherer die gebührenordnungsmäßigen oder die mit ihm besonders …“ | A1-4.3, page 5 |
| 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 | „Jeder Versicherungsfall ist dem Versicherer innerhalb einer Woche anzuzeigen, auch wenn …“ | B3-2.2.2 (1), page 15 |
| Death, sale or replacement of the horse (end of contract or transfer) | yes | „Fällt ein versichertes Interesse nach dem Beginn der Versicherung vollständig und …“ | B2-1.5, page 13 |
| Term and cancellation (notice, daily cancellation, cancellation after a claim) | yes | „kann der Vertrag vom Versicherungsnehmer jederzeit mit Wirkung ab Zugang der Erklärung …“ | B2-2.6NEO, page 17 |
| Special exclusions (for example intent, races, commercial use, injury to the rider, own property) | yes | „Ausgeschlossen sind Ansprüche wegen Schäden an fremden Sachen und allen sich daraus …“ | A1-7.5, page 7 |
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
- Neodigital Versicherung AG
- Distribution
- brokers and direct
- Versicherungsbedingungen und Informationen zur Pferdehalterhaftpflichtversicherung (AVB Private PferdehalterHV, THV PFERD NEO S 2018) Edition: THV_PFERD_NEO_S_2018_V02 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 Neodigital Pferdehalterhaftpflicht and available as plain text.
Volltext Neodigital Pferdehalterhaftpflicht · As text (Markdown) Neodigital Pferdehalterhaftpflicht