Insurance broker / Riding stable insurance / Policy wording archive Riding stables
R+V REITSPORT für Reit- und Pferdesportbetriebe: the policy wording in full
Besondere Bedingungen REITSPORT für Reit- und Pferdesportbetriebe auf Basis der AHB mit Betriebs-, Umwelt- und Produkthaftpflicht; Vermietung, Pensionspferde und Obhutsschäden (20.000 Euro) nur nach besonderer Vereinbarung.
German market: tariffs for people living in Germany.
Done in two minutes: your details are enough, we take care of the rest.
- Free for you, same price as going direct
- 4.97 out of 5 stars from 5,048 reviews
- On your side when you claim
Take out this policy through NAMMERT
You have already worked out with your AI what fits you.
All we need now are your details and a few answers.
We prepare your application with R+V.
- AI has advised
- 2Your details
- Application to R+V
Thank you, we have your application.
We prepare it with R+V and get back to you with the documents.
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 REITSPORT für Reit- und
Pferdesportbetriebe.
Basics and insured operation
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Dedicated riding stable product or module of a farm or business liability policy | yes | „REITSPORT - Besondere Bedingungen für Reit- und Pferdesportbetriebe“ | Titel, page 458 |
| Riding school with commercial riding lessons covered | yes | „entgeltlicher Vermietung der Reittiere an fremde Reittiernutzer im gewerblichen Umfang …“ | Teil II 2.05 Nr. 3, page 476 |
| Livery yard (boarding of third party horses) covered | yes | „Hüten von Pensionstieren (siehe auch Teil II, 3.09);“ | Teil II 2.05 Nr. 4, page 475 |
| Horse hire and unaccompanied rides | yes | „entgeltlicher Vermietung der Reittiere an fremde Reittiernutzer im gewerblichen Umfang“ | Teil II 2.05 Nr. 2, page 476 |
| 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, excess EUR 100 | „aus dem Halten, Hüten und Verwenden von Zuchttieren, nicht jedoch Deckhengsten, zum …“ | Teil II 2.04 Nr. 2, page 475 |
| Carriage driving and rides | yes | „Besitz und Verwendung von Kutschen, Schlitten und Planwagen zur Personenbeförderung …“ | Teil II 2.07 Nr. 9, page 477 |
| Riding holidays with accommodation and camps | yes | „aus der Bettenabgabe an Feriengäste (Ferien auf dem Bauernhof)“ | Teil II 2.08 Nr. 2, page 477 |
| Shows, competitions and clinics held by the operation | yes | „der Teilnahme an Ausstellungen, Märkten und Messen“ | Teil II 2.07 Nr. 6, page 465 |
Business liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Limit of indemnity for bodily injury and property damage | yes, up to the sum insured | „die gesetzliche Haftpflicht privatrechtlichen Inhalts des Versicherungsnehmers aus …“ | Teil I 1. Nr. 1, page 460 |
| Pure financial loss | yes, up to EUR 100,000 | „Vermögensschäden aus der Verletzung von Datenschutzgesetzen durch Missbrauch …“ | Teil II 3.05, page 480 |
| Keeper's liability for the operation's own horses including school horses | yes, up to the sum insured | „Mitversichert ist die Haltung von maximal zwei Pferden je Hektar.“ | Teil II 2.04 zu 1 und 2, page 475 |
| Liability as keeper of boarded and client horses | yes, up to the sum insured | „Hüten von Pensionstieren (siehe auch Teil II, 3.09);“ | Teil II 2.05 Nr. 4, page 475 |
| Claims of injured pupils and clients from riding activities | not addressed | ||
| Cover for liability assumed by contract (e.g. livery agreement) | yes, up to the sum insured | „aufgrund von so genannten Gestattungs- und Einstellungsverträgen“ | Teil I 3.04 Nr. 2, page 465 |
| Employed and freelance instructors and riders covered | no | „(nicht versichert ist jedoch das Reitlehrer-Risiko)“ | Teil II 2.05 Nr. 1, page 476 |
| Volunteers, trainees and part-loaners covered | yes | „sämtlicher übrigen Betriebsangehörigen (einschließlich Praktikanten, Hospitanten)“ | Teil I 2.01 Nr. 2, page 460 |
| Premises liability for yard, arena and pastures | yes, up to the sum insured | „als Eigentümer, Besitzer, Mieter, Pächter, Leasingnehmer, Nutznießer sowie aus der …“ | Teil II 2.01 Nr. 1.a, page 472 |
| Damage by escaped horses (fencing, road traffic) | yes, up to the sum insured | „durch mitversicherte Tiere anlässlich des grenzüberschreitenden Ausreitens oder des …“ | Teil I 3.05 Nr. 1 f), page 465 |
| Environmental liability and damage (manure, slurry, fuel oil) | yes, up to the sum insured | „wegen Personen und Sachschäden durch Umwelteinwirkung, wenn diese Umwelteinwirkung …“ | Teil IV 1.1, page 484 |
| Self propelled machines and yard vehicles not subject to registration | yes, up to the sum insured | „selbstfahrenden Arbeitsmaschinen bis 20 km/h Höchstgeschwindigkeit“ | Teil II 2.02 Nr. 5, page 474 |
| Damage to rented arenas, stables and show stalls | yes, up to EUR 1 million | „wegen Schäden an gemieteten (nicht geleasten) Gebäuden und/oder Räumen“ | Teil II 3.03 Nr. 1, page 478 |
| Cover abroad (shows, trail rides abroad) | yes | „bis zu einem Jahr im europäischen Ausland“ | Teil I 3.05 Nr. 1 e), page 465 |
Care, custody and third party horses
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Care and custody damage to boarded horses (injury, death) | yes, up to EUR 20,000 | „Obhuts- und Tätigkeitsschäden an Pensionstieren und alle sich daraus ergebenden …“ | Teil II 3.09, page 482 |
| Limit per boarded horse | yes, up to EUR 20,000 | „Die Ersatzleistung beträgt (sofern in der Wagnisbeschreibung keine abweichende …“ | Teil II 3.09, page 467 |
| Deductible for care and custody damage | EUR 100 | „Selbstbeteiligung des Versicherungsnehmers an jedem Schaden 10 Prozent, mindestens 100“ | Teil II 3.09, page 475 |
| Damage to client horses during lessons and schooling | yes, up to the sum insured | „Obhuts- und Tätigkeitsschäden an Pensionstieren“ | Teil II 3.09, page 458 |
| Damage to third party horses in own trailer | no | „an fremden Tieren anlässlich der Beförderung mit Kraftfahrzeugen aller Art“ | Teil II 3.07 Nr. 4 c), page 481 |
| Damage to boarders' tack and equipment | yes, up to EUR 30,000 | „wegen Beschädigung und Verlust von fremden Sachen“ | Teil II 3.07, page 480 |
| 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) | not addressed | ||
| Waivers or livery contract required | not addressed | ||
| Exclusion of racing, jumping or eventing | yes | „der Teilnahme an Pferderennen sowie Trainingsvorbereitungen hierzu.“ | Teil II 2.05 Nr. 5, page 471 |
| Limit on number of horses or notice of every change | yes | „Sind insgesamt mehr als zwei Pferde je Hektar vorhanden, so wird für jedes weitere …“ | Teil II 2.04 zu 1 und 2, page 476 |
| Grossly negligent damage covered | not addressed | ||
| Claims between employees (workplace accidents) | no | „Ausgeschlossen sind Haftpflichtansprüche aus Personenschäden, bei denen es sich um …“ | Teil I 2.01, page 461 |
Term and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Policy term and notice period | not addressed | ||
| Cancellation right after a claim | not addressed | ||
| 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 …“ | Teil I 3.01 Nr. 1, page 463 |
| Innovation clause (automatic upgrade to new terms) | not addressed | ||
| Defence against unfounded claims and criminal defence | not addressed | ||
| 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
- R+V Firmenkunden Agrar Verbraucherinformation mit REITSPORT, Besondere Bedingungen für Reit- und Pferdesportbetriebe (ab Seite 458) Edition: BB REITSPORT Ausgabe Juli 2011 in KFA0124 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 REITSPORT für Reit- und Pferdesportbetriebe and available
as plain text.
Volltext R+V REITSPORT für Reit- und Pferdesportbetriebe Reitbetrieb · As text (Markdown) R+V REITSPORT für Reit- und Pferdesportbetriebe Riding stables