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ALTE LEIPZIGER Jagd-Haftpflichtversicherung: the policy wording in full
Jagd-Haftpflicht der Alte Leipziger nach den Besonderen Bedingungen H 51.1 mit Waffen auch außerhalb der Jagd, bis zu drei Jagdgebrauchshunden, Beizvögeln, Auslandsschutz und Umweltschadensversicherung bis 3 Mio. Euro.
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Everything about this policy
What the policy covers: 69 points, each with its clause
Quotes are shortened. The full German wording of each point is on the German page for ALTE LEIPZIGER Jagd-Haftpflichtversicherung.
Basics and limits
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Limit for bodily injury | not addressed | ||
| Limit for property damage | not addressed | ||
| Limit for financial loss | not addressed | ||
| Cap per injured person within the combined limit | not addressed | ||
| Annual aggregate limit | not addressed | ||
| Meets the statutory minimum for the hunting licence | not addressed | ||
| Deductible per claim | yes, up to the sum insured, excess EUR 1,000 | „Versicherungsnehmer von jedem Schaden eine Selbstbeteiligung von 1.000 EUR selbst zu …“ | Ziffer 5.1 f), page 2 |
| Worldwide cover (hunting abroad, hunting trips) | yes | „Eingeschlossen ist abweichend von Ziffer 7.9 AL-AHB die gesetzliche Haftpflicht wegen …“ | Ziffer 5.1 a), page 2 |
| Time limit on cover abroad | none | „die gesetzliche Haftpflicht wegen im Ausland vorkommender Versicherungsfälle“ | Ziffer 5.1 a), page 2 |
| Defence against unjustified claims and legal costs outside the limit | not addressed | ||
| Criminal bail or security abroad and at home | not addressed |
Insured persons and activities
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Hunting as holder of a valid licence | yes | „die gesetzliche Haftpflicht des Versicherungsnehmers aus erlaubter jagdlicher Betätigung.“ | Ziffer 1, page 1 |
| Hunting tenant or estate holder | not addressed | ||
| Guest hunter and permit holder | not addressed | ||
| Honorary gamekeeper | yes | „aus fahrlässiger Überschreitung von Rechten im Jagdschutz“ | Ziffer 2.3, page 1 |
| Beaters, dog handlers and helpers co-insured | yes | „als Dienstherr der im Jagdbetrieb beschäftigten Personen (z.B. Berufsjäger …“ | Ziffer 2.9, page 1 |
| Trainee hunters and licence candidates | not addressed | ||
| Organiser and leader of driven hunts | not addressed | ||
| Claims between hunting participants covered | not addressed | ||
| Falconry and keeping birds of prey | yes | „aus Halten und Führen (auch Abrichten und Ausbilden) von Beizvögeln“ | Ziffer 2.4, page 1 |
| Professional hunters or paid guiding covered | yes | „als Dienstherr der im Jagdbetrieb beschäftigten Personen (z.B. Berufsjäger …“ | Ziffer 2.9, page 1 |
Firearms and ammunition
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Lawful possession and use of firearms outside hunting | yes | „aus dem erlaubten Besitz und aus dem Gebrauch von Hieb-, Stoß- und Schusswaffen sowie …“ | Ziffer 2.1, page 1 |
| Sport and practice shooting, ranges | yes | „bei Teilnahme an Übungs- oder Preisschießen“ | Ziffer 2.1, page 1 |
| Use of firearm in self-defence | yes | „aus fahrlässiger Überschreitung der Notwehr“ | Ziffer 2.2, page 1 |
| Damage from lost or unlawfully used firearms of the insured | not addressed | ||
| Reloading ammunition for own use | yes | „beim nichtgewerbsmäßigen Wiederladen von Munition“ | Ziffer 2.1, page 1 |
| Signal and blank guns, finishing shots and tracking | not addressed |
Hunting dogs and other animals
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Number of hunting dogs co-insured | yes | „Beizvögeln und höchstens drei anerkannten Jagdgebrauchshunden, auch außerhalb der Jagd.“ | Ziffer 2.4, page 1 |
| Hunting dogs covered outside hunting | yes | „höchstens drei anerkannten Jagdgebrauchshunden, auch außerhalb der Jagd.“ | Ziffer 2.4, page 1 |
| Puppies and dogs in training without proof of fitness | yes | „gelten auch Jagdhundwelpen bis zu einem Alter von sechs Monaten mitversichert, ohne …“ | Ziffer 2.4, page 1 |
| Handling dogs owned by others | yes | „Sind mehr als drei Hunde eigene oder fremde vorhanden“ | Ziffer 2.4, page 1 |
| Waiver of contributory liability (animal risk) | not addressed | ||
| Damage by hunting dogs on roads during the hunt | not addressed | ||
| Ferrets, birds of prey and horses used for hunting | yes | „aus Halten und Führen (auch Abrichten und Ausbilden) von Beizvögeln“ | Ziffer 2.4, page 1 |
Hunting ground, facilities and environment
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| High seats, feeders and other hunting facilities | not addressed | ||
| Hunting lodge as owner of premises | not addressed | ||
| Trapping and traps | not addressed | ||
| Damage by game to crops and forest excluded | yes | „Nicht versichert sind Wildschäden.“ | Ziffer 3.1, page 1 |
| Liability linked to road accidents with game | not addressed | ||
| Environmental damage under public law | yes, up to EUR 3 million | „Die Versicherungssumme und die Jahreshöchstersatzleistung betragen im Rahmen der …“ | Ziffer 7.3, page 2 |
| Water pollution damage | not addressed | ||
| Control of invasive species and ordered culls | not addressed | ||
| Drones for fawn rescue or game search | no | „Nicht versichert ist die Haftpflicht wegen Schäden, die der Versicherungsnehmer, ein …“ | Ziffer 3.3 (1), page 1 |
| Unregistered vehicles and boats on the ground | yes | „als Eigentümer, Halter oder Führer von Wasserfahrzeugen, nicht jedoch Motorbooten“ | Ziffer 2.8, page 1 |
| Sale of game meat from own hunting | yes, up to the sum insured | „wegen Personen- und Sachschäden Dritter (Produkt-Haftpflicht) aus dem in Verkehr …“ | Ziffer 2.7, page 1 |
| Damage to rented lodges or accommodation | not addressed | ||
| Damage to borrowed or rented items | not addressed |
Optional covers
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Personal accident cover for the hunter | not addressed | ||
| Cover for own firearms and optics | not addressed | ||
| Accident, death or vet costs of own hunting dog | not addressed | ||
| Legal expenses or claims recovery | not addressed | ||
| Spain: compulsory part under RD 63/1994 | not addressed | ||
| Spain: voluntary liability on top of compulsory part | not addressed |
Exclusions and obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| No cover when hunting without valid licence or permission | not addressed | ||
| Exclusion for alcohol or drugs | not addressed | ||
| Exclusion for breach of firearms law or safety rules | not addressed | ||
| Claims by relatives and co-insured excluded | yes | „gesetzliche Schadenersatzansprüche wegen Personenschäden von Angehörigen des …“ | Ziffer 4.3, page 1 |
| Exclusion or reduction for gross negligence | not addressed | ||
| Spain: no cover where damage is solely the victim's fault | not addressed | ||
| Subsidiary to other insurance | not addressed | ||
| Deadline for reporting a claim | not addressed | ||
| Better-terms or minimum standard guarantee | not addressed | ||
| Update clause for future improvements | not addressed |
Contract and proof
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Certificate for the hunting authority | not addressed | ||
| Minimum contract term | not addressed | ||
| Cancellable daily or annually | not addressed | ||
| Short-term cover for hunting days or foreign guests | not addressed | ||
| Provisional cover for new risks | yes, up to the sum insured | „gelten die vereinbarten Versicherungssummen auch für die Vorsorgeversicherung.“ | Ziffer 6, page 2 |
| Continuation for survivors or after licence ends | yes | „Für die Erben des Versicherungsnehmers besteht der bedingungsgemäße Versicherungsschutz …“ | Ziffer 4.2, 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
- Alte Leipziger Versicherung Aktiengesellschaft
- Distribution
- brokers and direct
- Besondere Bedingungen und Risikobeschreibungen zur Jagd-Haftpflichtversicherung (H 51, Fassung v1) Edition: H 22.9 Copy hosted by an intermediary, not by the insurer
- Besondere Bedingungen Jagd-Haftpflicht (H 51), ältere Ablage Edition: H 51.1, AL-AHB 2008 Copy hosted by an intermediary, not by the insurer
Full text of the wording
The full text exists only in German. It is printed on the German page for ALTE LEIPZIGER Jagd-Haftpflichtversicherung and available as plain text.
Volltext ALTE LEIPZIGER Jagd-Haftpflichtversicherung · As text (Markdown) ALTE LEIPZIGER Jagd-Haftpflichtversicherung