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R+V AgrarPolice Allgemeine: the policy wording in full
Allgemeine Haftpflicht der R+V-AgrarPolice für landwirtschaftliche Betriebe mit Bausteinen für Reittierverleih, Pensionspferde, Obhutsschäden, Reitlehrer und Reitsättel, jeweils nur wenn vereinbart.
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Everything about this policy
What the policy covers: 63 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for R+V AgrarPolice Allgemeine.
Basics and insured operation
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Dedicated riding stable product or module of a farm or business liability policy | yes | „Versicherungsbedingungen zur R+V-AgrarPolice“ | Titel, page 1 |
| Riding school with commercial riding lessons covered | yes | „Verleih und Vermietung von Reittieren an fremde Reittiernutzer einschließlich der …“ | 2.4.6, page 56 |
| Livery yard (boarding of third party horses) covered | yes | „Hüten von Pensionspferden - teilweise abweichend von 1.29.1, 21.“ | 2.4.7, page 56 |
| Horse hire and unaccompanied rides | yes | „Verleih und Vermietung von Reittieren an fremde Reittiernutzer“ | 2.4.6, page 56 |
| Guided hacks and trail rides | not addressed | ||
| Therapeutic riding and vaulting | not addressed | ||
| Schooling and training of third party horses | not addressed | ||
| Horse breeding and stud services | yes | „dem Halten, Hüten und Verwenden von Zuchttieren einschließlich zwei Deckhengsten zum …“ | 2.4.4, page 55 |
| Carriage driving and rides | yes | „aus Halten, Hüten und Verwenden von Zugtieren zur entgeltlichen Personenbeförderung mit …“ | 2.4.11, page 57 |
| Riding holidays with accommodation and camps | not addressed | ||
| Shows, competitions and clinics held by the operation | not addressed |
Business liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Limit of indemnity for bodily injury and property damage | not addressed | ||
| Pure financial loss | not addressed | ||
| Keeper's liability for the operation's own horses including school horses | yes, up to the sum insured | „Mitversichert ist die Haltung von zehn Reitpferden (nicht jedoch Deckhengsten) für …“ | 2.4.2, page 56 |
| Liability as keeper of boarded and client horses | yes, up to the sum insured | „Hüten von Pensionspferden“ | 2.4.7, page 52 |
| Claims of injured pupils and clients from riding activities | not addressed | ||
| Cover for liability assumed by contract (e.g. livery agreement) | not addressed | ||
| Employed and freelance instructors and riders covered | yes | „die gesetzliche Haftpflicht von angestellten und/oder freiberuflichen als Reitlehrern …“ | 2.28, page 66 |
| Volunteers, trainees and part-loaners covered | yes | „dem unentgeltlichen Verleih sowie aus Reitbeteiligung.“ | 2.4.5, page 56 |
| Premises liability for yard, arena and pastures | not addressed | ||
| Damage by escaped horses (fencing, road traffic) | not addressed | ||
| Environmental liability and damage (manure, slurry, fuel oil) | not addressed | ||
| Self propelled machines and yard vehicles not subject to registration | not addressed | ||
| Damage to rented arenas, stables and show stalls | yes, up to the sum insured | „an gemieteten Pferdeboxen, Stallungen und Einfriedungen zu gemieteten Weiden/Pferdekoppeln“ | 2.13.4, page 60 |
| Cover abroad (shows, trail rides abroad) | not addressed |
Care, custody and third party horses
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Care and custody damage to boarded horses (injury, death) | yes, up to the sum insured | „Obhuts- und Bearbeitungsschäden an Pensionspferden/untergestellten Pferden und alle …“ | 2.17, page 63 |
| Limit per boarded horse | not addressed | ||
| Deductible for care and custody damage | not addressed | ||
| Damage to client horses during lessons and schooling | no | „Nicht versichert sind Obhuts- und Bearbeitungsschäden an Pferden anlässlich des …“ | 2.28, page 66 |
| Damage to third party horses in own trailer | not addressed | ||
| Damage to boarders' tack and equipment | yes, up to the sum insured | „Beschädigung, Vernichtung oder Abhandenkommen von Einstellern zur Aufbewahrung …“ | 2.29, page 67 |
| Feeding errors and contaminated feed | not addressed | ||
| Transmission of disease between horses in the yard | not addressed | ||
| Loss of use and depreciation of a client horse | not addressed | ||
| Veterinary costs for an injured client horse | not addressed |
Arena, stables and contents
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Building cover for arena, stables and outbuildings | not addressed | ||
| Snow load and storm damage to arena roofs | not addressed | ||
| Further natural hazards (flood, heavy rain) | not addressed | ||
| Arena surface, kickboards and outdoor ring | not addressed | ||
| Horse walkers, solar and technical equipment | not addressed | ||
| Contents, tack room and feed stocks | not addressed | ||
| Theft from tack room and stables | not addressed | ||
| Replacement value and waiver of underinsurance | not addressed |
Horse stock and business interruption
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Own horses against fire, lightning and storm | not addressed | ||
| Livestock mortality cover for school horses (death, emergency slaughter) | not addressed | ||
| Death by electrocution (electric fence, wiring) | not addressed | ||
| Rescue, evacuation and emergency stabling of horses | not addressed | ||
| Business interruption (loss of livery and lesson income) | not addressed | ||
| Closure due to animal disease or official quarantine | not addressed |
Exclusions, deductible and obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| General deductible | not addressed | ||
| Requirement for riding helmet, body protector or equipment | not addressed | ||
| Required instructor qualification (licence, national federation) | yes | „Kein Versicherungsschutz besteht, sofern der Reitlehrer nicht mindestens eine …“ | 2.28, page 67 |
| Waivers or livery contract required | not addressed | ||
| Exclusion of racing, jumping or eventing | yes | „Halten und Hüten von Galopp- und/oder Trabrennpferden, Teilnahme an Pferderennen sowie …“ | 2.4.9, page 52 |
| Limit on number of horses or notice of every change | yes | „soweit laut Versicherungsschein/Nachtrag keine höhere Anzahl ausgewiesen ist.“ | 2.4.2, page 56 |
| Grossly negligent damage covered | not addressed | ||
| Claims between employees (workplace accidents) | not addressed |
Term and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Policy term and notice period | yes | „verlängert sich der Vertrag um jeweils ein Jahr, wenn nicht dem Vertragspartner …“ | AT 2.2, page 3 |
| Cancellation right after a claim | yes | „Das Versicherungsverhältnis kann gekündigt werden, wenn“ | AHB 11.1, page 13 |
| Automatic cover for new risks (new arena, new services) | yes, up to the sum insured | „Für Risiken, die für den Versicherungsnehmer nach Abschluss der Versicherung neu entstehen“ | 1.13.1, page 28 |
| Innovation clause (automatic upgrade to new terms) | not addressed | ||
| Defence against unfounded claims and criminal defence | yes, up to the sum insured | „Der Versicherungsschutz umfasst die Prüfung der Haftpflichtfrage, die Abwehr …“ | AHB 5.1, page 29 |
| Extraordinary risks via Consorcio de Compensación de Seguros (Spain only) | 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.
Please report errors, we correct them the same day.
Policy wordings and provider
- Legal entity
- R+V Allgemeine Versicherung Aktiengesellschaft
- Distribution
- through tied agents
- Versicherungsbedingungen zur R+V-AgrarPolice Allgemeine Haftpflicht Edition: KFM0726, HA AGRAR 01.03.2020 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 R+V AgrarPolice Allgemeine and available as plain text.
Volltext R+V AgrarPolice Allgemeine Reitbetrieb · As text (Markdown) R+V AgrarPolice Allgemeine Riding stables