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Zurich Jagd-Haftpflicht: the policy wording in full
Jagd-Haftpflicht der Zurich mit Versicherungssumme bis 50 Mio. Euro, weltweitem Schutz, Waffen auch außerhalb der Jagd, bis zu drei Jagdgebrauchshunden und Laufzeiten von unter einem Jahr bis drei Jahren gegen Einmalbeitrag.
German market: tariffs for people living in Germany.
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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 Zurich Jagd-Haftpflicht.
Basics and limits
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Limit for bodily injury | yes, up to the sum insured | „Die Versicherungssumme kann bis zu 50 Millionen Euro betragen, die genaue Höhe …“ | Was ist versichert?, page 1 |
| Limit for property damage | yes, up to the sum insured | „Die Versicherungssumme kann bis zu 50 Millionen Euro betragen, die genaue Höhe …“ | Was ist versichert?, page 1 |
| 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 | yes | „Als Jäger müssen Sie nach dem Bundesjagdgesetz eine Haftpflichtversicherung …“ | Was ist versichert?, page 1 |
| Deductible per claim | not addressed | „Wenn eine Selbstbeteiligung vereinbart ist, wird diese bei jedem Versicherungsfall …“ | Was ist nicht versichert?, page 1 |
| Worldwide cover (hunting abroad, hunting trips) | yes | „Die Jagd-Haftpflichtversicherung gilt weltweit.“ | Wo bin ich versichert?, page 1 |
| Time limit on cover abroad | yes | „Auch wenn Sie während eines vorübergehenden Auslandsaufenthalts einen …“ | Wo bin ich versichert?, page 1 |
| Defence against unjustified claims and legal costs outside the limit | yes | „prüft gegen Sie geltend gemachte Haftpflichtansprüche, begleicht berechtigte …“ | Was ist versichert?, page 1 |
| 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 | „Versichert sind Schäden an fremden Personen oder Sachen, die bei der Jagd entstehen.“ | Was ist versichert?, page 1 |
| Hunting tenant or estate holder | not addressed | ||
| Guest hunter and permit holder | not addressed | ||
| Honorary gamekeeper | not addressed | ||
| Beaters, dog handlers and helpers co-insured | not addressed | ||
| 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 | not addressed | ||
| Professional hunters or paid guiding covered | not addressed |
Firearms and ammunition
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Lawful possession and use of firearms outside hunting | yes | „Schäden aus dem erlaubten Besitz oder Gebrauch von Hieb-, Stoß- und Schusswaffen oder …“ | Was ist versichert?, page 1 |
| Sport and practice shooting, ranges | not addressed | ||
| Use of firearm in self-defence | yes | „Schäden aus fahrlässiger Überschreitung des Notwehrrechts“ | Was ist versichert?, page 1 |
| Damage from lost or unlawfully used firearms of the insured | not addressed | ||
| Reloading ammunition for own use | not addressed | ||
| 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 | „Versichert sind auch Schäden, die als Halter von höchstens drei Jagdgebrauchshunden …“ | Was ist versichert?, page 1 |
| Hunting dogs covered outside hunting | not addressed | ||
| Puppies and dogs in training without proof of fitness | not addressed | ||
| Handling dogs owned by others | not addressed | ||
| 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 | not addressed |
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 | not addressed | ||
| Liability linked to road accidents with game | not addressed | ||
| Environmental damage under public law | not addressed | ||
| Water pollution damage | not addressed | ||
| Control of invasive species and ordered culls | not addressed | ||
| Drones for fawn rescue or game search | no | „Schäden zwischen Mitversicherten, Schäden durch den Gebrauch eines Kraft- … …“ | Was ist nicht versichert?, page 1 |
| Unregistered vehicles and boats on the ground | yes | „Zudem sind Schäden versichert, die als Halter oder Eigentümer kleiner Wasserfahrzeuge …“ | Was ist versichert?, page 1 |
| Sale of game meat from own hunting | not addressed | ||
| Damage to rented lodges or accommodation | no | „sowie Schäden an gepachteten oder geliehenen Sachen.“ | Was ist nicht versichert?, page 1 |
| Damage to borrowed or rented items | no | „sowie Schäden an gepachteten oder geliehenen Sachen.“ | Was ist nicht versichert?, page 1 |
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 | „Dazu gehören Schäden aus vorsätzlichen Handlungen, Schäden zwischen Mitversicherten“ | Was ist nicht versichert?, 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 | yes | „Im Schadenfall müssen Sie uns jeden Schadenfall unverzüglich melden“ | Welche vertraglichen Verpflichtungen habe ich?, page 2 |
| 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 | yes | „Der Einmalbeitrag gilt für die Dauer des gewählten Versicherungsschutzes, längstens …“ | Wann und wie zahle ich?, page 2 |
| Cancellable daily or annually | yes | „Bei einer Vertragsdauer von mindestens einem Jahr können Sie oder wir den Vertrag mit …“ | Wie kann ich den Vertrag kündigen?, page 2 |
| Short-term cover for hunting days or foreign guests | yes | „Bei einer Vertragsdauer von weniger als einem Jahr endet der Vertrag zum vorgesehenen …“ | Wann beginnt und endet der Versicherungsschutz?, page 2 |
| Provisional cover for new risks | not addressed | ||
| Continuation for survivors or after licence ends | 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
- Zurich Insurance Europe AG
- Distribution
- not known
- Jagd-Haftpflicht: einfache Übersicht Edition: Einfache Übersicht nach Barrierefreiheitsstärkungsgesetz, ohne Datum 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 Jagd-Haftpflicht and available as plain text.
Volltext Zurich Jagd-Haftpflicht · As text (Markdown) Zurich Jagd-Haftpflicht