Insurance broker / Horse liability insurance in Germany (Pferdehaftpflicht) / Policy wording archive
SV SparkassenVersicherung SV PrivatSchutz Komfort: the policy wording in full
SV PrivatSchutz Tierhalterhaftpflicht Komfort für Reit- und Zugtiere mit Fohlen bis zwölf Monate, Turnieren, unentgeltlichen Kutschfahrten und ungewolltem Deckakt; Schadenersatzausfall für Schäden durch fremde Hunde, Kaution bis 100.000 EUR, übriges Ausland fünf Jahre.
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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 SV SparkassenVersicherung SV PrivatSchutz Komfort.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Combined limit for bodily injury, property damage and financial loss | as stated in the policy schedule | „Einzelne Höchstersatzleistungen gelten nur im Umfang der vereinbarten Versicherungssummen.“ | A 6.1.1, page 2 |
| Cap per injured person for bodily injury | not addressed | ||
| Pure financial loss (without prior bodily injury or property damage) | yes | „Vermögensschaden (Schäden, die weder Personen- noch Sachschäden sind, noch sich aus …“ | A 1.1, page 1 |
| Annual aggregate limit for all claims in an insurance year | yes | „Sofern nicht etwas anderes vereinbart wurde, sind unsere Entschädigungsleistungen für …“ | A 6.1.2, page 2 |
| Deductible per claim | not addressed | ||
| Territorial scope (home country, Europe, worldwide) and temporary stays abroad with the horse | yes | „Bei einem vorübergehenden Aufenthalt im übrigen Ausland gilt je Deckungsstufe …“ | B 13, page 5 |
| Provisional cover for new risks (for example another horse) until notified | yes, up to EUR 10 million | „Der Versicherungsschutz für neue Risiken ist von ihrer Entstehung bis zur Einigung im …“ | A 3.3.2, page 1 |
| 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 | no | „In der Deckungsstufe Top gilt: Befristet für einen Zeitraum von fünf Jahren“ | B 14, page 5 |
Insured horses
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured species (horse, pony, donkey, mule, miniature horse) | yes | „Welcher besondere Versicherungsschutz besteht für Sie als Halter von Reit- und Zugtieren?“ | B 12, page 5 |
| Foals of the insured mare covered free of charge, up to which age | yes | „Versichert sind Hundewelpen und/oder Fohlen des im Versicherungsschein bezeichneten …“ | B 10.2, page 4 |
| 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 | yes | „Nicht versichert, aber gegen besondere Vereinbarung versicherbar, ist die gesetzliche …“ | B 9.2, page 3 |
| Liability of the non professional minder (friends, neighbours, stable community) | yes | „Mitversichert ist die gesetzliche Haftpflicht des Tierhüters, sofern er nicht …“ | B 9.1, page 3 |
| Bodily injury to the minder (the horse injures the person looking after it) | not addressed | ||
| Claims between family members and co-insured persons | no | „Ansprüche gegen Sie aus Schadensfällen Ihrer Angehörigen, die mit Ihnen in häuslicher …“ | A 7.12, page 3 |
| 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 | „Personenschaden (Tötung, Verletzung des Körpers oder Schädigung der Gesundheit von …“ | A 1.1, page 1 |
| 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 | „Versichert sind Haftpflichtansprüche aus ungewollten Deckakten.“ | B 10.1, page 4 |
| Intended covering (damage during agreed breeding) | not addressed | ||
| Environmental damage under environmental liability law (water, protected species) | yes, up to EUR 3 million | „Mitversichert sind öffentlich-rechtliche Pflichten oder Ansprüche zur Sanierung von …“ | B 10.4.1, page 4 |
| 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 | „Mietsachschäden an Pferdeboxen (gilt nur für die Deckungsstufe Top)“ | B 12.3, page 5 |
| Damage to borrowed or rented tack and riding equipment | no | „Ansprüche wegen Schäden an fremden Sachen und allen sich daraus ergebenden …“ | A 7.15, page 3 |
| Damage to a borrowed or rented horse trailer or horse box | no | „Ansprüche wegen Schäden an fremden Sachen und allen sich daraus ergebenden …“ | A 7.15, page 3 |
| Damage to borrowed carriages and wagons | no | „Ansprüche wegen Schäden an fremden Sachen und allen sich daraus ergebenden …“ | A 7.15, page 3 |
| 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 | „Versichert ist die Teilnahme an Reitturnieren, Geschicklichkeitswettbewerben (z. B …“ | B 12.2, page 5 |
| Horse races, endurance rides and flat races | not addressed | ||
| Carriage driving (driving sport and private drives) | yes | „Versichert ist die Durchführung von unentgeltlichen Kutschwagenfahrten.“ | B 12.1, page 5 |
| Hunt riding, drag hunts and fox hunts | not addressed | ||
| Vaulting and private riding lessons | yes | „Versichert ist die Teilnahme an Reitturnieren, Geschicklichkeitswettbewerben (z. B …“ | B 12.2, page 5 |
| Transport of the horse (loading, travel in trailer, unloading) | not addressed | ||
| Commercial or agricultural use (riding school, hiring out, livery, paid breeding) | no | „Nicht versichert ist die gewerbsmäßige Tierhaltung.“ | B 8, page 3 |
| 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 | „Versicherungsschutz besteht für den Fall, dass Sie oder Ihr Hund von einem fremden Hund …“ | B 11.3.1, page 5 |
| Defence against unjustified claims including court and lawyer costs | yes | „Der Versicherungsschutz umfasst die Prüfung der Haftpflichtfrage, die Abwehr …“ | A 1.2, page 1 |
| Criminal or administrative defence costs after damage caused by the horse | yes | „so tragen wir die gebührenordnungsmäßigen oder die mit uns besonders vereinbarten …“ | A 6.2.2, page 2 |
| Criminal bail abroad | yes, up to EUR 100,000 | „stellen wir Ihnen den erforderlichen Betrag bis zu 100.000 EUR in der Top- und …“ | B 13.1, page 5 |
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 | „Sie müssen uns jeden Versicherungsfall, auch wenn noch keine Schadenersatzansprüche …“ | A 5.2.1, page 2 |
| 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 | „Ansprüche aller Personen, die den Schaden vorsätzlich herbeigeführt haben.“ | A 7.7, page 3 |
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
- SV SparkassenVersicherung Gebäudeversicherung Aktiengesellschaft
- Distribution
- through tied agents
- Versicherungsbedingungen für den SV PrivatSchutz, Tierhalterhaftpflicht (SVPS TH) Edition: SVPS TH Fassung Januar 2022, 23-713-0122 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 SV SparkassenVersicherung SV PrivatSchutz Komfort and available as plain text.
Volltext SV SparkassenVersicherung SV PrivatSchutz Komfort · As text (Markdown) SV SparkassenVersicherung SV PrivatSchutz Komfort