Insurance broker / Horse liability insurance in Germany (Pferdehaftpflicht) / Policy wording archive
Uelzener Private Pferdehalter: the policy wording in full
Private Pferdehalter-Haftpflicht mit wählbarer Deckungssumme von 5, 10 oder 50 Mio. Euro, Fremdreitern, Reitbeteiligung, Tierhüter, Turnieren und Rennen, Deckakt, Forderungsausfall und Fohlen bis zum 24. Lebensmonat.
German market: tariffs for people living in Germany.
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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 Uelzener Private Pferdehalter.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Combined limit for bodily injury, property damage and financial loss | as stated in the policy schedule | „Wählbare Deckungssummen für Personen, Sach- und Vermögensschäden: 5 Mio. €, 10 Mio. € …“ | Leistungsübersicht, page 1 |
| Cap per injured person for bodily injury | yes, up to EUR 15 million | „15 Mio. € höchstens je Person bei Personenschäden“ | Fußnote 2, page 2 |
| 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, up to the sum insured | „Wählbare Selbstbeteiligung pro Leistungsfall: ohne, 150 € oder 300 €“ | Leistungsübersicht, page 1 |
| Territorial scope (home country, Europe, worldwide) and temporary stays abroad with the horse | yes | „Vorübergehende Auslandsaufenthalte ausgenommen USA, Kanada und US-Territorien“ | Allgemeine Leistungen, 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) | yes | „Baustein Best-Leistung gegen Mehrbeitrag versicherbar“ | Leistungsübersicht, page 2 |
| Update guarantee: future improvements apply to existing policies at no extra premium | yes | „Innovationsgarantie“ | Leistungsübersicht, page 2 |
Insured horses
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured species (horse, pony, donkey, mule, miniature horse) | yes | „Alle Pferde jeder Rasse und in jedem Alter sind versicherbar“ | Hinweise, page 2 |
| Foals of the insured mare covered free of charge, up to which age | yes | „Beitragsfreie Mitversicherung von Fohlen ab Geburt bis zum 24. Lebensmonat“ | Allgemeine Leistungen, page 1 |
| Several horses in one policy and discount from the second horse | yes | „Versichern Sie mehr als ein Pferd, reduziert sich der Beitrag pro Pferd, je mehr Pferde …“ | Beitragsnachlässe, page 2 |
| Minimum and maximum age of the horse at inception | no | „Alle Pferde jeder Rasse und in jedem Alter sind versicherbar“ | Hinweise, page 2 |
| 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) | yes | „Fremd- und Gastreiterrisiko“ | Versicherte Personen, page 1 |
| Bodily injury to the third party rider (fall from the insured horse) | not addressed | ||
| Riding share (regular co riders paying a contribution) covered | yes | „Reitbeteiligung inkl. Regressverzicht“ | Versicherte Personen, page 1 |
| Liability of the non professional minder (friends, neighbours, stable community) | yes | „Gesetzliche Haftpflicht des nicht gewerbsmäßigen Tierhüters“ | Versicherte Personen, page 1 |
| Bodily injury to the minder (the horse injures the person looking after it) | yes, up to the sum insured | „Ansprüche des nicht gewerbsmäßigen Tierhüters, bei Schäden durch das gehütete Pferd“ | Versicherte 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, up to the sum insured | „Flurschäden“ | Allgemeine Leistungen, page 1 |
| Unintended covering (costs for a third party mare) | yes, up to the sum insured | „Gewollter / ungewollter Deckakt“ | Allgemeine Leistungen, page 1 |
| Intended covering (damage during agreed breeding) | yes, up to the sum insured | „Gewollter / ungewollter Deckakt“ | Allgemeine Leistungen, 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, up to EUR 100,000 | „Stallungen, Reithallen und Weiden bis 100.000 €“ | Mietsachschäden, page 1 |
| Damage to borrowed or rented tack and riding equipment | not addressed | ||
| Damage to a borrowed or rented horse trailer or horse box | yes, up to EUR 100,000 | „Pferdetransportanhänger bis 100.000 €“ | Mietsachschäden, page 1 |
| 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 | „Turnierteilnahme“ | Veranstaltungen, page 1 |
| Horse races, endurance rides and flat races | yes | „Teilnahme an Pferderennen“ | Veranstaltungen, page 1 |
| 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) | yes | „Gewerbliche Nutzung des versicherten Pferdes bis zu einem Jahresumsatz von 22.000 €“ | Leistungsübersicht, 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, up to the sum insured | „Forderungsausfallversicherung bis zur Deckungssumme ab einer Forderungshöhe von 2.500 €“ | Allgemeine Leistungen, page 1 |
| Defence against unjustified claims including court and lawyer costs | yes | „Prüfung der Haftpflichtfrage, Zahlung berechtigter Schadenersatzverpflichtungen und …“ | Mitversicherte Leistungen, 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) | no | „keine Vorschriften zur Zaunhöhe“ | Weiderisiko, page 1 |
| 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) | yes | „Wenn Sie Ihr Pferd abgeben oder dieses verstirbt, informieren Sie uns bitte in Textform.“ | Hinweise, page 2 |
| 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.
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
- Uelzener Allgemeine Versicherungs-Gesellschaft a.G.
- Distribution
- not known
- Uelzener Pferdehalter-Haftpflicht Leistungsübersicht Edition: Leistungsübersicht DOC-43_0325_V01 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 Uelzener Private Pferdehalter and available as plain text.
Volltext Uelzener Private Pferdehalter · As text (Markdown) Uelzener Private Pferdehalter