Insurance broker / Horse liability insurance in Germany (Pferdehaftpflicht) / Policy wording archive
uniVersa Tierhalter-Haftpflicht (Pferd): the policy wording in full
uniVersa Tierhalter-Haftpflicht nach AHB mit B.1 für Reit- und Zugtiere mit nicht gewerbsmäßigem Hüter und Auslandsaufenthalt bis ein Jahr; Fremdreiter, Turniere und Mietsachschäden sind im Werk nicht eigens geregelt.
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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 uniVersa Tierhalter-Haftpflicht (Pferd).
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 ist bei jedem Versicherungsfall auf die …“ | AHB 6.1, page 6 |
| Cap per injured person for bodily injury | not addressed | ||
| Pure financial loss (without prior bodily injury or property damage) | yes | „Dieser Versicherungsschutz kann durch besondere Vereinbarung erweitert werden auf die …“ | AHB 2.1, page 5 |
| Annual aggregate limit for all claims in an insurance year | yes | „Sofern nicht etwas anderes vereinbart wurde, sind die Entschädigungsleistungen des …“ | AHB 6.2, page 6 |
| Deductible per claim | none | „Falls besonders vereinbart, beteiligt sich der Versicherungsnehmer bei jedem …“ | AHB 6.4, page 6 |
| Territorial scope (home country, Europe, worldwide) and temporary stays abroad with the horse | yes | „Bei vorübergehendem Auslandsaufenthalt bis zu einem Jahr: Eingeschlossen ist“ | B.1 3, page 15 |
| Provisional cover for new risks (for example another horse) until notified | yes, up to EUR 50,000 | „500.000 für Personenschäden und EUR 50.000 für Sachschäden“ | AHB 4.2, page 6 |
| 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 | „als Halter von Reit- und Zugtieren (Pferde, Kleinpferde, Ponys, Maultiere, Esel usw.).“ | B.1 2, page 15 |
| 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 | „gesetzliche Haftpflicht des Hüters, sofern er nicht gewerbsmäßig tätig ist.“ | B.1 2, page 15 |
| 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 …“ | AHB 7.5, 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 | „das einen Personen-, Sach- oder sich daraus ergebenden Vermögensschaden zur Folge hatte“ | AHB 1.1, page 5 |
| 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) | not addressed | ||
| Intended covering (damage during agreed breeding) | not addressed | ||
| Environmental damage under environmental liability law (water, protected species) | yes, up to EUR 500,000 | „Die Versicherungssumme und die Jahreshöchstersatzleistung betragen EUR 500.000 pauschal …“ | B.1 5.3, page 19 |
| 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 | „wenn der Versicherungsnehmer diese Sachen gemietet, geleast, gepachtet, geliehen, durch …“ | AHB 7.6, page 7 |
| Damage to borrowed or rented tack and riding equipment | no | „wenn der Versicherungsnehmer diese Sachen gemietet, geleast, gepachtet, geliehen, durch …“ | AHB 7.6, page 7 |
| Damage to a borrowed or rented horse trailer or horse box | no | „wenn der Versicherungsnehmer diese Sachen gemietet, geleast, gepachtet, geliehen, durch …“ | AHB 7.6, page 7 |
| Damage to borrowed carriages and wagons | no | „wenn der Versicherungsnehmer diese Sachen gemietet, geleast, gepachtet, geliehen, durch …“ | AHB 7.6, 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) | 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 | yes | „Der Versicherungsschutz umfasst die Prüfung der Haftpflichtfrage, die Abwehr …“ | AHB 5.1, page 6 |
| Criminal or administrative defence costs after damage caused by the horse | yes | „so trägt der Versicherer die gebührenordnungsmäßigen oder die mit ihm besonders …“ | AHB 5.3, page 6 |
| 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 unverzüglich anzuzeigen, auch wenn noch …“ | AHB 25.1, page 11 |
| 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 | „Bei einer Vertragsdauer von mindestens einem Jahr verlängert sich“ | AHB 16.2, page 9 |
| Special exclusions (for example intent, races, commercial use, injury to the rider, own property) | yes | „Versicherungsansprüche aller Personen, die den Schaden vorsätzlich herbeigeführt haben.“ | AHB 7.1, 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
- uniVersa Allgemeine Versicherung AG
- Distribution
- brokers and direct
- Bedingungen Haftpflichtversicherung SHB-955 (AHB mit Besonderen Bedingungen Tierhalter) Edition: SHB-955, AHB 11.2016 mit B.1 241-962 11.2016 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 uniVersa Tierhalter-Haftpflicht (Pferd) and available as plain text.
Volltext uniVersa Tierhalter-Haftpflicht (Pferd) · As text (Markdown) uniVersa Tierhalter-Haftpflicht (Pferd)