Insurance broker / Ski and winter sports insurance in Germany (rescue, piste liability, equipment, accident) / Policy wording archive Ski insurance
ARAG DSV GEAR Wintersportausrüstung: the policy wording in full
Ausrüstungsschutz über DSV aktiv beim Neukauf von Ski oder Snowboard: Bruch, Beschädigung, Verlust und Diebstahl am Wintersportort bis zum Kaufpreis, höchstens 2.500 Euro, mitgekauftes Zubehör bis 250 Euro, mit Wertstaffel nach Alter.
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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 GEAR
Wintersportausrüstung.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Type of cover (equipment, liability, rescue, accident, refunds or package) | yes | „Wintersportgeräte-Versicherungsschutz“ | Kopf, page 1 |
| Standalone winter sports policy (not only an add-on to travel, accident or contents cover) | yes | „DSV-Wintersportgeräte-Versicherungsschutz“ | B, page 1 |
| Cover only through a membership (ski association, alpine club, season pass or lift ticket) | yes | „Die Mitgliedschaft bei DSV aktiv mit dem Versicherungsschutz DSV GEAR kann nur …“ | A, page 1 |
| Cover for single days, a week or one season | no | „gilt der Versicherungsschutz zunächst für ein Jahr nach Beitritt beim DSV aktiv“ | A, page 1 |
| Territorial scope (home country, Europe, worldwide, only certain resorts) | yes | „Der Versicherungsschutz beginnt mit dem Eintreffen am Wintersportort bzw …“ | § 4, 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 | „Versichert ist das im Antrag gemäß Kaufbeleg näher bezeichnete Paar Ski/Snowboard mit …“ | § 1, page 1 |
| Family or partner can be included | not addressed |
Winter sports equipment
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for equipment | yes, up to EUR 2,500 | „max. 2.500 Euro für Wintersportgeräte und 250 Euro für das mitversicherte Zubehör“ | § 5 Nr. 1, page 1 |
| Skis or snowboard with bindings covered | yes, up to EUR 2,500 | „Versichert ist das im Antrag gemäß Kaufbeleg näher bezeichnete Paar Ski/Snowboard mit …“ | § 1, page 1 |
| Ski boots and poles covered | yes, up to EUR 250 | „Insoweit mit dem Kaufvorgang ein Helm, Ski-/Snowboardschuhe und/oder Stöcke …“ | § 1, page 1 |
| Helmet, protectors and avalanche gear (transceiver, probe, shovel, airbag) covered | yes, up to EUR 250 | „Insoweit mit dem Kaufvorgang ein Helm, Ski-/Snowboardschuhe und/oder Stöcke …“ | § 1, page 1 |
| Ski clothing covered | not addressed | ||
| Damage to rented equipment covered | not addressed | ||
| Breakage and damage covered | yes, up to EUR 2,500 | „plötzlich und gewaltsam eintretenden Bruch oder Beschädigung“ | § 2 Nr. 1 a, page 1 |
| Theft covered | yes, up to EUR 2,500 | „entstandenen Verlust oder Diebstahl“ | § 2 Nr. 1 b, page 1 |
| Simple theft without break-in (e.g. outside the hut or from the ski rack) | yes, up to the sum insured | „der Schaden tagsüber zwischen 6.00 und 22.00 Uhr (Ortszeit) eingetreten ist“ | § 2 Nr. 2 a, page 1 |
| Theft from the car or roof box | yes, up to the sum insured | „innerhalb eines ortsfesten Raumes oder verschlossenen Kraftfahrzeuges zurückgelassen wurde“ | § 2 Nr. 2 b, page 1 |
| Night-time clause (theft at night only from a locked room or vehicle) | yes | „das nicht benutzte Wintersportgerät in der übrigen Zeit (22.00 bis 6.00 Uhr) innerhalb …“ | § 2 Nr. 2 b, page 1 |
| Loss or leaving behind covered | yes, up to the sum insured | „entstandenen Verlust oder Diebstahl“ | § 2 Nr. 1 b, page 1 |
| Replacement at new value (purchase price) | yes | „bei Verlust oder Diebstahl des Wintersportgerätes nebst mitversichertem Zubehör den …“ | § 5 Nr. 1 b, page 1 |
| Deduction by age of the equipment (current value, yearly scale) | yes, up to the sum insured | „im 2. Jahr nach der Anschaffung 80 Prozent“ | § 5 Nr. 3, page 1 |
| Rental of replacement equipment after a claim | no | „Mietkosten für Wintersportgeräte“ | § 3 Nr. 1 g, page 1 |
| Maximum per item or pair | yes, up to EUR 2,500 | „max. 2.500 Euro für Wintersportgeräte und 250 Euro für das mitversicherte Zubehör“ | § 5 Nr. 1, page 1 |
Piste liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Liability sum insured | not addressed | ||
| Bodily injury in a collision on the piste | not addressed | ||
| Damage to other people's equipment | not addressed | ||
| Legal expenses or defence after a piste accident | not addressed | ||
| 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 | not addressed | ||
| Helicopter rescue covered | not addressed | ||
| Piste rescue and transport to the valley (sledge, ski patrol) | not addressed | ||
| Rescue without accident (exhaustion, getting lost, weather, suspected emergency) | not addressed | ||
| Repatriation home or to a hospital at home | not addressed | ||
| 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 | not addressed | ||
| Disability benefit after an accident | not addressed | ||
| Hospital daily allowance after a ski accident | not addressed | ||
| 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 | yes | „Schäden, die vorsätzlich oder grob fahrlässig herbeigeführt werden“ | § 3 Nr. 1 f, page 1 |
| Exclusion for equipment left unattended | yes | „Liegen-, Stehen- oder Hängenlassen, soweit der versicherte Gegenstand nicht mit Wissen …“ | § 3 Nr. 1 c, page 1 |
| Exclusion of wear, edge and base damage | yes | „Abnutzungsschäden, normalen Verschleiß (z.B. Skibeschädigungen am Belag, an Kanten …“ | § 3 Nr. 1 b, page 1 |
| Exclusion of professional activity (instructor, guide) | not addressed |
Obligations, deductible and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Police report required after theft | yes | „Bei Diebstahl ist der am Schadenort zuständigen Polizeibehörde unverzüglich Anzeige zu …“ | § 6 Nr. 3, page 1 |
| Deadline for reporting a claim | yes | „Schadenfälle sind unverzüglich zu melden.“ | C Nr. 3, page 2 |
| Proof of purchase required | yes | „den Originalanschaffungsbeleg, aus dem der Kaufpreis und der Anschaffungstag …“ | § 6 Nr. 1, page 1 |
| Damaged equipment must be kept or sent in | yes | „Nach einem regulierten Totalschaden gehen die Rechte an den Sachen auf den Versicherer …“ | § 7 Nr. 2 b, page 2 |
| Deductible in equipment cover | none | „Nach jedem Schadenfall gilt für alle weiteren im gleichen Versicherungsjahr“ | § 5 Nr. 2, page 1 |
| Higher deductible or reduction after a previous claim | yes, up to the sum insured | „Nach jedem Schadenfall gilt für alle weiteren im gleichen Versicherungsjahr und in den …“ | § 5 Nr. 2, page 1 |
| Term and renewal (days, season, year, membership) | yes | „Der Versicherungsschutz verlängert sich mit Ihrer Mitgliedschaft nach Ablauf des …“ | A, page 1 |
| Maximum age for taking out cover or benefits | not addressed |
Evaluated by NAMMERT from published policy wordings.
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Policy wordings and provider
- Legal entity
- ARAG Allgemeine Versicherungs-Aktiengesellschaft
- Distribution
- brokers and direct
- Merkblatt zum Versicherungsschutz DSV GEAR Edition: DSV GEAR Stand: 10.2026 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 GEAR Wintersportausrüstung and available as plain
text.
Volltext ARAG DSV GEAR Wintersportausrüstung Skiversicherung · As text (Markdown) ARAG DSV GEAR Wintersportausrüstung Ski insurance