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degenia Classic: the policy wording in full

Linie classic der degenia Jagdhaftpflicht T 11 mit bis zu drei Jagdhunden, Waffen auch außerhalb der Jagd, Vermögensschäden bis 100.000 Euro, Kaution bis 50.000 Euro, Forderungsausfall und Innovationsklausel.

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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 degenia Classic.

Basics and limits

Point	Rule	Wording (German)	Clause
Limit for bodily injury	not addressed
Limit for property damage	not addressed
Limit for financial loss	yes, up to EUR 100,000	„Für die Mitversicherung von Vermögensschäden bis zu Euro 100.000 je Schadenereignis …“	BB classic Ziffer 6, page 15
Cap per injured person within the combined limit	not addressed
Annual aggregate limit	no	„Eine Begrenzung der Entschädigungsleitung gemäß Ziff. 6.2 AHB (Maximierung) auf das …“	BB classic Ziffer 10, page 16
Meets the statutory minimum for the hunting licence	not addressed
Deductible per claim	not addressed
Worldwide cover (hunting abroad, hunting trips)	yes	„ist abweichend von Ziff. 7.9 AHB 2008 die gesetzliche Haftpﬂicht aus im Ausland …“	BB Ziffer 3 (2), page 15
Time limit on cover abroad	none	„ist abweichend von Ziff. 7.9 AHB 2008 die gesetzliche Haftpﬂicht aus im Ausland …“	BB Ziffer 3 (2), page 15
Defence against unjustified claims and legal costs outside the limit	yes	„Die Aufwendungen des Versicherers für Kosten werden nicht auf die Versicherungssummen …“	AHB Ziffer 6.5, page 4
Criminal bail or security abroad and at home	yes, up to EUR 50,000	„stellt der Versicherer dem Versicherungsnehmer den erforderlichen Betrag bis zu einer …“	BB Ziffer 3 (3), page 15

Insured persons and activities

Point	Rule	Wording (German)	Clause
Hunting as holder of a valid licence	yes	„die gesetzliche Haftpﬂicht des Versicherungsnehmers als Jäger, Jagdpächter und Jagdherr“	BB Ziffer 1, page 13
Hunting tenant or estate holder	yes	„die gesetzliche Haftpﬂicht des Versicherungsnehmers als Jäger, Jagdpächter und Jagdherr“	BB Ziffer 1, page 13
Guest hunter and permit holder	not addressed
Honorary gamekeeper	yes	„Förster, Forstbeamter, Forstaufseher, Berufsjäger, Jagdaufseher und Falkner“	BB Ziffer 1, page 14
Beaters, dog handlers and helpers co-insured	yes	„als Dienstherr der im Jagdbetrieb beschäftigten Personen.“	BB Ziffer 2 (7), page 14
Trainee hunters and licence candidates	not addressed
Organiser and leader of driven hunts	yes	„aus der Durchführung von Gesellschaftsjagden“	BB Ziffer 2 (6), page 13
Claims between hunting participants covered	not addressed
Falconry and keeping birds of prey	yes	„als Halter (auch Abrichter und Ausbilder) von Beizvögeln“	BB Ziffer 2 (4), page 14
Professional hunters or paid guiding covered	yes	„Förster, Forstbeamter, Forstaufseher, Berufsjäger, Jagdaufseher und Falkner“	BB Ziffer 1, page 14

Firearms and ammunition

Point	Rule	Wording (German)	Clause
Lawful possession and use of firearms outside hunting	yes	„Stoß- und Schusswaffen und Munition, auch außerhalb der Jagd“	BB Ziffer 2 (1), page 14
Sport and practice shooting, ranges	yes	„bei Teilnahme an Übungs- oder Preisschießen“	BB Ziffer 2 (1), page 14
Use of firearm in self-defence	yes	„des Notwehrrechts sowie aus vermeintlicher Notwehr in der versicherten Eigenschaft“	BB Ziffer 2 (2), page 14
Damage from lost or unlawfully used firearms of the insured	not addressed
Reloading ammunition for own use	yes	„beim nichtgewerbsmäßigen Wiederladen von Munition“	BB Ziffer 2 (1), page 14
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	„Frettchen und höchstens 3 brauchbaren oder sich nachweislich in jagdlicher Abrichtung …“	BB classic Ziffer 2 (4), page 14
Hunting dogs covered outside hunting	yes	„Der Versicherungsschutz gilt nicht nur für die Verwendung der Hunde bei der …“	BB Ziffer 2 (4), page 14
Puppies and dogs in training without proof of fitness	yes	„Jagdhundewelpen bis zu einem Alter von 6 Monaten mitversichert, ohne dass es des …“	BB Ziffer 2 (4), page 14
Handling dogs owned by others	yes	„Sind mehr als 3 Jagdhunde - eigene und fremde - vorhanden“	BB classic Ziffer 2 (4), page 14
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	„als Halter (auch Abrichter und Ausbilder) von Beizvögeln, Frettchen“	BB Ziffer 2 (4), page 14

Hunting ground, facilities and environment

Point	Rule	Wording (German)	Clause
High seats, feeders and other hunting facilities	yes, up to the sum insured	„aus Besitz, Betrieb und Unterhaltung von jagdlichen Einrichtungen, wie Hochsitze …“	BB Ziffer 2 (8), page 14
Hunting lodge as owner of premises	yes, up to the sum insured	„aus Besitz, Betrieb und Unterhaltung von jagdlichen Einrichtungen, wie Hochsitze …“	BB Ziffer 2 (8), page 14
Trapping and traps	not addressed
Damage by game to crops and forest excluded	yes	„Ansprüche aus Wildschäden“	BB classic Ziffer 9 (3), page 3
Liability linked to road accidents with game	not addressed
Environmental damage under public law	not addressed
Water pollution damage	yes, up to the sum insured	„Besondere Bedingungen für die Versicherung der Haftpﬂicht aus Gewässerschäden - außer …“	BB Ziffer 8, page 16
Control of invasive species and ordered culls	yes	„aus dem erlaubten Bejagen und Erlegen von Tieren, die nicht dem Jagdrecht unterliegen“	BB Ziffer 2 (10), page 14
Drones for fawn rescue or game search	not addressed
Unregistered vehicles and boats on the ground	yes	„als Eigentümer, Halter oder Führer von Wasserfahrzeugen, nicht jedoch von Motorbooten“	BB classic Ziffer 2 (12), page 14
Sale of game meat from own hunting	yes, up to the sum insured	„wegen Personen- und Sachschäden Dritter (Produkthaftpﬂicht)“	BB Ziffer 2 (9), page 14
Damage to rented lodges or accommodation	no	„Schäden an fremden Sachen, die der Versicherungsnehmer gemietet, geliehen, gepachtet hat“	BB classic Ziffer 9 (4), page 17
Damage to borrowed or rented items	yes, up to EUR 4,000, excess EUR 100	„Die Höchstersatzleistung je Versicherungsfall ist begrenzt auf Euro 4.000.“	BB classic Ziffer 2 (14), page 14

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	yes, up to the sum insured	„Der Versicherer gewährt dem Versicherungsnehmer Versicherungsschutz für den Fall, dass …“	BB Ziffer 7 Forderungsausfall, page 15
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	„sind abweichend von Ziff. 7.5 (1) AHB 2008 gesetzliche Schadenersatzansprüche wegen …“	BB Ziffer 3 (1), page 14
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	yes	„Jeder Versicherungsfall ist, auch wenn noch keine Schadenersatzansprüche erhoben worden …“	AHB Ziffer 25.1, page 11
Better-terms or minimum standard guarantee	not addressed
Update clause for future improvements	yes	„Werden die dieser Versicherung zugrunde liegenden Bedingungen ausschließlich zum …“	BB Innovationsklausel, page 16

Contract and proof

Point	Rule	Wording (German)	Clause
Certificate for the hunting authority	not addressed
Minimum contract term	not addressed
Cancellable daily or annually	yes	„verlängert sich der Vertrag um jeweils ein Jahr, wenn nicht dem Vertragspartner …“	AHB Ziffer 16.2, page 9
Short-term cover for hunting days or foreign guests	not addressed
Provisional cover for new risks	yes, up to the sum insured	„den Betrag von EUR 1.000.000 für Personenschäden und EUR 500.000 für Sachschäden“	AHB Ziffer 4.2, page 3
Continuation for survivors or after licence ends	yes	„Für die Erben des Versicherungsnehmers besteht der bedingungsgemäße Versicherungsschutz …“	BB Erben, page 14

Evaluated by NAMMERT from published policy wordings.

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Policy wordings and provider

Legal entity: degenia Versicherungsdienst AG (Assekuradeur)
Distribution: available through brokers

Bedingungen Jagdhaftpflichtversicherung (JHV T11) Edition: Tarif T 11, Stand November 2011, AHB 2008 Stand 11.11 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 degenia Classic and available as plain text.

Volltext degenia Classic · As text (Markdown) degenia Classic