Insurance broker / Horse liability insurance in Germany (Pferdehaftpflicht) / Policy wording archive
Zurich PrivatSchutz Basis: the policy wording in full
PrivatSchutz Tierhalterhaftpflicht Basis für Pferde mit Fremdreitern, Reitbeteiligung, Turnieren, Kutschfahrten, Deckakt und Flurschäden; Summen, Selbstbeteiligung und Auslandsdauer laut Versicherungsschein.
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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 Zurich PrivatSchutz Basis.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Combined limit for bodily injury, property damage and financial loss | as stated in the policy schedule | „Es gelten die im Versicherungsschein oder dessen Nachträgen sowie in diesen Besonderen …“ | 3.1, page 1 |
| Cap per injured person for bodily injury | not addressed | ||
| 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 | „Es gelten die im Versicherungsschein oder dessen Nachträgen sowie in diesen Besonderen …“ | 3.1, page 1 |
| Territorial scope (home country, Europe, worldwide) and temporary stays abroad with the horse | yes | „bei einem Auslandsaufenthalt bis zu der im Versicherungsschein oder dessen Nachträgen …“ | 10.1, page 3 |
| 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) | 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 | „der privaten Haltung von Hunden, Reit- und Zugtieren (Pferde, Gnadenbrotpferde, Ponys …“ | 2.1, page 1 |
| Foals of the insured mare covered free of charge, up to which age | yes | „Der Versicherungsschutz endet, wenn sich die Hundewelpen oder Fohlen nicht mehr in …“ | 4.1, page 1 |
| 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 | yes | „aus der privaten Nutzung des versicherten Tieres zu therapeutischen Zwecken (gilt nicht …“ | 4.2 b., page 1 |
Riders, minders and family
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Co-insured persons (spouse or partner, children, household members as keeper, rider or handler) | yes | „Mitversichert ist die persönliche gesetzliche Haftpflicht der nicht gewerbsmäßigen …“ | 2.1, page 1 |
| Liability of third party riders (non professional riders using the horse with permission) | yes | „(Fremd-)Reiter (solange dies gelegentlich und unentgeltlich erfolgt)“ | 2.1, 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 | „Reitbeteiligungen sind auf gewisse Dauer angelegte Reitverhältnisse über die …“ | 3.1, page 1 |
| Liability of the non professional minder (friends, neighbours, stable community) | yes | „Mitversichert ist die persönliche gesetzliche Haftpflicht der nicht gewerbsmäßigen …“ | 2.1, page 1 |
| Bodily injury to the minder (the horse injures the person looking after it) | not addressed | ||
| 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 | „Mitversichert ist Ihre gesetzliche Haftpflicht wegen Haftpflichtansprüchen aus …“ | 3.2, page 1 |
| Unintended covering (costs for a third party mare) | yes | „aus gewolltem oder ungewolltem Deckakt des versicherten Tieres“ | 4.2 a., page 1 |
| Intended covering (damage during agreed breeding) | yes | „aus gewolltem oder ungewolltem Deckakt des versicherten Tieres“ | 4.2 a., page 1 |
| Environmental damage under environmental liability law (water, protected species) | yes | „Mitversichert sind abweichend von Ziff. 1 AHB 2017 öffentlich-rechtliche Pflichten oder …“ | 9.1, page 2 |
| 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 | „Des Weiteren sind auch Schäden an Offenställen und Pferdeboxen mitversichert.“ | 5.1, page 1 |
| Damage to borrowed or rented tack and riding equipment | no | „Schäden an gemieteten oder geliehenen beweglichen Sachen“ | 5.2, page 1 |
| Damage to a borrowed or rented horse trailer or horse box | no | „Schäden an Land-, Luft- und Wasserfahrzeugen“ | 5.2, page 1 |
| Damage to borrowed carriages and wagons | no | „Schäden an gemieteten oder geliehenen beweglichen Sachen“ | 5.2, page 1 |
| Gradual damage from pawing, chewing or urine | yes | „durch Ausscheidungen des versicherten Tieres“ | 4.2 c., page 1 |
Riding, sport and use
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Shows, equestrian events and competitions (participation and training) | yes | „Vorbereitung, Training und Teilnahme an Schauvorführungen, Turnieren und Rennen mit und …“ | 6.2, page 2 |
| Horse races, endurance rides and flat races | yes | „Vorbereitung, Training und Teilnahme an Schauvorführungen, Turnieren und Rennen mit und …“ | 6.2, page 2 |
| Carriage driving (driving sport and private drives) | yes | „Kutsch- und Schlittenfahrten (mit und ohne Fahrgäste); nicht versichert sind Schäden an …“ | 6.2, page 2 |
| Hunt riding, drag hunts and fox hunts | not addressed | ||
| Vaulting and private riding lessons | yes | „Teilnahme am Unterricht eines Reitvereins/ einer Reitschule;“ | 6.2, page 2 |
| Transport of the horse (loading, travel in trailer, unloading) | not addressed | ||
| Commercial or agricultural use (riding school, hiring out, livery, paid breeding) | no | „Bei Tierhaltung zu beruflichen, betrieblichen, gewerblichen o. dgl. Zwecken finden …“ | 1, page 1 |
| 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 | 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) | yes | „beim Reiten ohne Zaumzeug und/oder ohne Sattel bei versicherten Pferden (nicht …“ | 7.1, page 2 |
| 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) | 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 | „Vom Versicherungsschutz ausgeschlossen sind Ansprüche wegen Schäden, die Sie, eine …“ | 8.1, page 2 |
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
- Zurich Insurance Europe AG
- Distribution
- not known
- Besondere Bedingungen und Risikobeschreibungen für die PrivatSchutz Tierhalter-Haftpflicht (BBR-TH 2017) Edition: BBR-TH 2017, Fassung 07.2023 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 Zurich PrivatSchutz Basis and available as plain text.
Volltext Zurich PrivatSchutz Basis · As text (Markdown) Zurich PrivatSchutz Basis