Insurance broker / Ski and winter sports insurance in Germany (rescue, piste liability, equipment, accident) / Policy wording archive Ski insurance
ARAG DSV aktiv: the policy wording in full
Mitgliedschaft bei DSV aktiv in der Stufe BASIC mit Bruch- und Diebstahlschutz für eigene und gemietete Ski und Boards bis zum Kaufpreis (höchstens 10.000 Euro), Bergungskosten bis 10.000 Euro, Unfall, Krankenhaustagegeld, Haftpflicht bis 1 Mio. Euro und Rechtsschutz.
German market: tariffs for people living in Germany.
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Everything about this policy
What the policy covers: 66 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for ARAG DSV aktiv.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Type of cover (equipment, liability, rescue, accident, refunds or package) | yes | „Für Skifahrer und Snowboarder DSV BASIC im Überblick“ | Leistungsübersicht, page 1 |
| Standalone winter sports policy (not only an add-on to travel, accident or contents cover) | yes | „Für Skifahrer und Snowboarder“ | Leistungsübersicht, page 1 |
| Cover only through a membership (ski association, alpine club, season pass or lift ticket) | yes | „Einzelmitgliedschaft Partnermitgliedschaft (je Person) Familienmitgliedschaft (pro …“ | Jahresbeiträge, page 1 |
| Cover for single days, a week or one season | no | „Jahres- beiträge Einzelmitgliedschaft“ | Jahresbeiträge, page 1 |
| Territorial scope (home country, Europe, worldwide, only certain resorts) | yes | „Für Versicherte, deren ständiger Wohnsitz innerhalb Europas liegt, gilt der …“ | Fußnote 1, page 1 |
| Off-piste skiing (freeride) covered | not addressed | ||
| Ski touring and ski mountaineering covered | not addressed | ||
| Other winter sports (snowboard, cross-country, sledging, snowshoeing, skating) | yes | „Für Skifahrer und Snowboarder“ | Leistungsübersicht, page 1 |
| Family or partner can be included | yes | „Familienmitgliedschaft (pro Familie)“ | Jahresbeiträge, page 1 |
Winter sports equipment
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for equipment | yes, up to EUR 10,000 | „Erstattet wird bei Ski und Snowboards mit Bindung bis zur Höhe des Kaufpreises (max …“ | Fußnote 3, page 1 |
| Skis or snowboard with bindings covered | yes, up to EUR 10,000 | „Eigene und gewerblich gemietete Ski und Boards mit Bindung“ | Wintersportgeräte, page 1 |
| Ski boots and poles covered | yes, up to EUR 100 | „bei Skihelmen, Skistöcken und Skifellen bei DSV BASIC bis 100,–“ | Fußnote 3, page 1 |
| Helmet, protectors and avalanche gear (transceiver, probe, shovel, airbag) covered | yes, up to EUR 100 | „bei Skihelmen, Skistöcken und Skifellen bei DSV BASIC bis 100,–“ | Fußnote 3, page 1 |
| Ski clothing covered | not addressed | ||
| Damage to rented equipment covered | yes, up to the sum insured | „Eigene und gewerblich gemietete Ski und Boards mit Bindung“ | Wintersportgeräte, page 1 |
| Breakage and damage covered | yes, up to EUR 10,000 | „Diebstahl, Bruch oder Beschädigung“ | Wintersportgeräte, page 1 |
| Theft covered | yes, up to EUR 10,000 | „bei Diebstahl besteht zwischen 6 Uhr und 22 Uhr, auch vor der Skihütte“ | Fußnote 3, page 1 |
| Simple theft without break-in (e.g. outside the hut or from the ski rack) | yes, up to the sum insured | „bei Diebstahl besteht zwischen 6 Uhr und 22 Uhr, auch vor der Skihütte“ | Fußnote 3, page 1 |
| Theft from the car or roof box | yes, up to the sum insured | „zwischen 22 Uhr und 6 Uhr nur in einem ortsfesten Raum oder in einem verschlossenen …“ | Fußnote 3, page 1 |
| Night-time clause (theft at night only from a locked room or vehicle) | yes | „zwischen 22 Uhr und 6 Uhr nur in einem ortsfesten Raum oder in einem verschlossenen …“ | Fußnote 3, page 1 |
| Loss or leaving behind covered | not addressed | ||
| Replacement at new value (purchase price) | yes | „Der Versicherungswert beträgt im Jahr nach dem Tag der Anschaffung 100 %“ | Fußnote 3, page 1 |
| Deduction by age of the equipment (current value, yearly scale) | yes, up to the sum insured | „im 2. Jahr 80 %, im 3. Jahr 60 %, im 4. Jahr 40 % und ab dem 5. Jahr nach dem Tag der …“ | Fußnote 3, page 1 |
| Rental of replacement equipment after a claim | yes, up to EUR 25 | „Kosten für Mietski/-snowboard am auswärtigen Aufenthaltsort nach einem …“ | Wintersportgeräte, page 1 |
| Maximum per item or pair | yes, up to EUR 10,000 | „Erstattet wird bei Ski und Snowboards mit Bindung bis zur Höhe des Kaufpreises (max …“ | Fußnote 3, page 1 |
Piste liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Liability sum insured | yes, up to EUR 1 million | „Personen/Sachschäden 1.000.000,– €“ | Haftpflicht, page 1 |
| Bodily injury in a collision on the piste | yes, up to EUR 1 million | „Personen/Sachschäden 1.000.000,– €“ | Haftpflicht, page 1 |
| Damage to other people's equipment | yes, up to EUR 1 million | „Personen/Sachschäden 1.000.000,– €“ | Haftpflicht, page 1 |
| Legal expenses or defence after a piste accident | yes, up to EUR 50,000 | „Rechtsschutz Versicherungssumme 50.000,– €“ | Rechtsschutz, page 1 |
| Liability only subsidiary to existing personal liability | not addressed | ||
| Deductible in liability | not addressed |
Rescue, recovery and medical costs
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Search, rescue and recovery costs after an accident | yes, up to EUR 10,000 | „Bergungskosten bis 10.000,– €“ | Unfall, page 1 |
| Helicopter rescue covered | not addressed | ||
| Piste rescue and transport to the valley (sledge, ski patrol) | yes, up to the sum insured | „Ersttransport zum Arzt/Krankenhaus 100 %“ | Kranken, page 1 |
| Rescue without accident (exhaustion, getting lost, weather, suspected emergency) | not addressed | ||
| Repatriation home or to a hospital at home | yes, up to the sum insured | „Rücktransportkosten 100 %“ | Kranken, page 1 |
| Medical costs after a ski accident (doctor, hospital, also abroad) | not addressed | ||
| Rescue and medical costs only subsidiary to other insurance | not addressed |
Accident
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Accidental death benefit | yes, up to EUR 2,000 | „Todesfall 2.000,– €“ | Unfall, page 1 |
| Disability benefit after an accident | yes, up to EUR 10,000 | „Invaliditätsfall Grundsumme 5) 10.000,– €“ | Unfall, page 1 |
| Hospital daily allowance after a ski accident | yes, up to EUR 10 | „Krankenhaustagegeld (KHT) je Tag 10,– €“ | Kranken, page 1 |
| Cosmetic surgery after an accident | not addressed | ||
| Avalanche accidents expressly included | not addressed |
Lift pass, ski school and cancellation
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Refund of unused lift pass after accident or illness | not addressed | ||
| Refund of unused ski lessons or guides | not addressed | ||
| Refund of unused rental equipment | not addressed | ||
| Cancellation of the ski holiday or ski course before departure | not addressed | ||
| Benefit in case of lack of snow | not addressed | ||
| Benefit if lifts close due to storm or avalanche risk | not addressed | ||
| Replacement if the lift pass is lost or stolen | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of races, competitions and training | not addressed | ||
| Exclusion when skiing closed runs or at high avalanche danger | not addressed | ||
| Exclusion of heli-skiing, ski jumping or extreme descents | not addressed | ||
| Exclusion under alcohol or drugs | not addressed | ||
| Exclusion or reduction for gross negligence | not addressed | ||
| Exclusion for equipment left unattended | not addressed | ||
| Exclusion of wear, edge and base damage | not addressed | ||
| Exclusion of professional activity (instructor, guide) | not addressed |
Obligations, deductible and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Police report required after theft | not addressed | ||
| Deadline for reporting a claim | not addressed | ||
| Proof of purchase required | not addressed | ||
| Damaged equipment must be kept or sent in | not addressed | ||
| Deductible in equipment cover | none | „Selbstbeteiligung siehe4)“ | Wintersportgeräte, Fußnote 4, page 1 |
| Higher deductible or reduction after a previous claim | yes, up to the sum insured | „Nach einem Geräteschadenfall gilt für alle weiteren im gleichen Versicherungsjahr und …“ | Fußnote 4, page 1 |
| Term and renewal (days, season, year, membership) | yes | „Jahres- beiträge Einzelmitgliedschaft“ | Jahresbeiträge, page 1 |
| Maximum age for taking out cover or benefits | not addressed |
Evaluated by NAMMERT from published policy wordings.
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legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- ARAG Allgemeine Versicherungs-Aktiengesellschaft
- Distribution
- brokers and direct
- DSV BASIC Leistungsübersicht Edition: Stand: 10 | 2021 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 ARAG DSV aktiv and available as plain text.
Volltext ARAG DSV aktiv Skiversicherung · As text (Markdown) ARAG DSV aktiv Ski insurance