Insurance broker / Ski and winter sports insurance in Germany (rescue, piste liability, equipment, accident) / Policy wording archive Ski insurance
TravelSecure Ski-Haftpflichtversicherung: the policy wording in full
Haftpflichtschutz der Würzburger für die Dauer der versicherten Reise einschließlich Sportausübung, Summe laut Versicherungsschein, nachrangig zu anderen Haftpflichtversicherungen, Mietsachschäden an der Unterkunft bis 30.000 Euro.
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 TravelSecure.
- AI has advised
- 2Your details
- Application to TravelSecure
Thank you, we have your application.
We prepare it with TravelSecure and get back to you with the documents.
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 TravelSecure
Ski-Haftpflichtversicherung.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Type of cover (equipment, liability, rescue, accident, refunds or package) | yes | „Allgemeine Versicherungsbedingungen für die Ski-Haftpflichtversicherung“ | Kopf, page 1 |
| Standalone winter sports policy (not only an add-on to travel, accident or contents cover) | yes | „Allgemeine Versicherungsbedingungen für die Ski-Haftpflichtversicherung“ | Kopf, page 1 |
| Cover only through a membership (ski association, alpine club, season pass or lift ticket) | not addressed | ||
| Cover for single days, a week or one season | yes | „Der Versicherungsschutz besteht für den im Versicherungsschein genannten Zeitraum …“ | Ziffer 4.1, page 1 |
| Territorial scope (home country, Europe, worldwide, only certain resorts) | yes | „Der Versicherungsschutz besteht weltweit für Versicherungsfälle, die während der …“ | Ziffer 4.1, 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 | „aus der Ausübung von Sport (ausgenommen die in Ziff. 3.4 genannten Sportarten)“ | Ziffer 1.1.3, page 1 |
| Family or partner can be included | not addressed |
Winter sports equipment
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for equipment | not addressed | ||
| Skis or snowboard with bindings covered | not addressed | ||
| Ski boots and poles covered | not addressed | ||
| Helmet, protectors and avalanche gear (transceiver, probe, shovel, airbag) covered | not addressed | ||
| Ski clothing covered | not addressed | ||
| Damage to rented equipment covered | not addressed | ||
| Breakage and damage covered | not addressed | ||
| Theft covered | not addressed | ||
| Simple theft without break-in (e.g. outside the hut or from the ski rack) | not addressed | ||
| Theft from the car or roof box | not addressed | ||
| Night-time clause (theft at night only from a locked room or vehicle) | not addressed | ||
| Loss or leaving behind covered | not addressed | ||
| Replacement at new value (purchase price) | not addressed | ||
| Deduction by age of the equipment (current value, yearly scale) | not addressed | ||
| Rental of replacement equipment after a claim | not addressed | ||
| Maximum per item or pair | not addressed |
Piste liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Liability sum insured | yes, up to the sum insured | „Versicherungsschutz gegen Haftpflichtrisiken des täglichen Lebens bis zur vereinbarten …“ | Ziffer 1, page 1 |
| Bodily injury in a collision on the piste | yes, up to the sum insured | „Schadenereignisse sind Tod, Verletzung oder Gesundheitsschädigung von Menschen …“ | Ziffer 1, page 1 |
| Damage to other people's equipment | yes, up to the sum insured | „Beschädigung oder Vernichtung von Sachen (Sachschaden)“ | Ziffer 1, page 1 |
| Legal expenses or defence after a piste accident | yes, up to the sum insured | „Der Versicherungsschutz umfasst die Prüfung der Haftpflichtfrage, die Abwehr …“ | Ziffer 2.1, page 1 |
| Liability only subsidiary to existing personal liability | yes | „Die Reisehaftpflichtversicherung gilt subsidiär“ | Ziffer 2.6, page 1 |
| Deductible in liability | yes, up to the sum insured | „Selbstbehalt von 20 %, mind. 50,-- EUR selbst zu tragen“ | Ziffer 1.1.6, page 1 |
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 | none | „Haftpflichtansprüche wegen Schäden die vorsätzlich oder durch arglistige Täuschung …“ | Ziffer 3.2, page 2 |
| Exclusion for equipment left unattended | not addressed | ||
| Exclusion of wear, edge and base damage | not addressed | ||
| Exclusion of professional activity (instructor, guide) | yes | „die Haftpflicht aus der Ausübung eines Berufes, Dienstes, Amtes“ | Ziffer 3.10, page 2 |
Obligations, deductible and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Police report required after theft | not addressed | ||
| Deadline for reporting a claim | yes | „den Schaden der Würzburger unverzüglich, unter Einreichung sämtlicher Unterlagen …“ | Ziffer 5.1.1 b, page 2 |
| Proof of purchase required | not addressed | ||
| Damaged equipment must be kept or sent in | not addressed | ||
| Deductible in equipment cover | not addressed | ||
| Higher deductible or reduction after a previous claim | not addressed | ||
| Term and renewal (days, season, year, membership) | yes | „Der Versicherungsschutz endet mit dem im Versicherungsschein angegebenen Zeitpunkt.“ | Ziffer 4.2, page 1 |
| Maximum age for taking out cover or benefits | 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
- Würzburger Versicherungs-AG
- Distribution
- brokers and direct
- Allgemeine Versicherungsbedingungen für die Ski-Haftpflichtversicherung (AVB SKI Haftpflicht 12/23) Edition: AVB SKI Haftpflicht 12/23 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 TravelSecure Ski-Haftpflichtversicherung and available as
plain text.
Volltext TravelSecure Ski-Haftpflichtversicherung Skiversicherung · As text (Markdown) TravelSecure Ski-Haftpflichtversicherung Ski insurance