Insurance broker / Ski and winter sports insurance in Germany (rescue, piste liability, equipment, accident) / Policy wording archive Ski insurance
TravelSecure Ski- und Snowboardversicherung: the policy wording in full
Ausrüstungsversicherung für eigene Ski, Snowboards und Helm auf Reisen: Bruch, Straftat Dritter, Transportmittelunfall und Diebstahl tagsüber, Zeitwert nach Altersstaffel, höchstens 1.000 Euro je Person und 3.000 Euro je Familie.
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 TravelSecure Ski- und
Snowboardversicherung.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Type of cover (equipment, liability, rescue, accident, refunds or package) | yes | „Versichert gelten während des versicherten Zeitraumes die in Ihrem Eigentum …“ | Ziffer 3.1, page 4 |
| Standalone winter sports policy (not only an add-on to travel, accident or contents cover) | yes | „Versichert gelten während des versicherten Zeitraumes die in Ihrem Eigentum …“ | Ziffer 3.1, page 4 |
| 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 | „Den Versicherungsvertrag müssen Sie vor Reisebeginn abschließen.“ | Ziffer 1.2.1.1, page 2 |
| Territorial scope (home country, Europe, worldwide, only certain resorts) | yes | „Das bei Reiseantritt geplante Reiseziel muss mindestens 50 km Luftlinie von Ihrem …“ | Ziffer 1.1.3.2, page 2 |
| 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 gelten während des versicherten Zeitraumes die in Ihrem Eigentum …“ | Ziffer 3.1, page 4 |
| Family or partner can be included | yes | „Familien mit ständigem Wohnsitz in der Bundesrepublik Deutschland“ | Ziffer 1.1.1.2, page 2 |
Winter sports equipment
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for equipment | yes, up to EUR 1,000 | „auf insgesamt 1.000 EUR bei Einzelpersonen und 3.000 EUR bei Familien begrenzt“ | Ziffer 3.5, page 4 |
| Skis or snowboard with bindings covered | yes, up to EUR 1,000 | „die in Ihrem Eigentum befindlichen Skier und Snowboards (einschließlich Bindung und …“ | Ziffer 3.1, page 3 |
| Ski boots and poles covered | no | „Ski-Stöcke und sonstiges Zubehör“ | Ziffer 3.3, page 4 |
| Helmet, protectors and avalanche gear (transceiver, probe, shovel, airbag) covered | yes, up to the sum insured | „(einschließlich Bindung und Fangeinrichtung) sowie der Helm“ | Ziffer 3.1, page 4 |
| Ski clothing covered | not addressed | ||
| Damage to rented equipment covered | no | „geliehene oder gemietete Wintersportgeräte“ | Ziffer 3.3, page 4 |
| Breakage and damage covered | yes, up to EUR 1,000 | „bei plötzlich und gewaltsam eintretendem Bruch, Beschädigung oder Zerstörung“ | Ziffer 3.2.1.4, page 4 |
| Theft covered | yes, up to EUR 1,000 | „durch Diebstahl im Zeitraum zwischen 6 Uhr und 22 Uhr, auch vor der Skihütte.“ | Ziffer 3.2.1.5, page 4 |
| Simple theft without break-in (e.g. outside the hut or from the ski rack) | yes, up to the sum insured | „durch Diebstahl im Zeitraum zwischen 6 Uhr und 22 Uhr, auch vor der Skihütte.“ | Ziffer 3.2.1.5, page 4 |
| Theft from the car or roof box | yes, up to the sum insured | „Im Zeitraum vom 22 Uhr bis 6 Uhr jedoch nur dann, wenn die versicherten …“ | Ziffer 3.2.1.5, page 4 |
| Night-time clause (theft at night only from a locked room or vehicle) | yes | „Im Zeitraum vom 22 Uhr bis 6 Uhr jedoch nur dann, wenn die versicherten …“ | Ziffer 3.2.1.5, page 4 |
| Loss or leaving behind covered | no | „Verlieren, Hängen-, Liegen- und Stehenlassen“ | Ziffer 3.3, page 4 |
| Replacement at new value (purchase price) | no | „für verlorene oder zerstörte Sachen den Zeitwert“ | Ziffer 3.4 a, page 4 |
| Deduction by age of the equipment (current value, yearly scale) | yes, up to the sum insured | „80 % des Kaufpreises, wenn die versicherte Sache bei Schadeneintritt bis zu 2 Jahre alt …“ | Ziffer 3.4, page 4 |
| Rental of replacement equipment after a claim | yes, up to the sum insured | „Wir erstatten die Kosten für die Anmietung von Wintersportgeräten bis zur im …“ | Ziffer 3.2.2, page 4 |
| Maximum per item or pair | not addressed |
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 | „Haben Sie den Schaden grob fahrlässig herbeigeführt, können wir die Leistung kürzen.“ | Ziffer 1.4.3, page 3 |
| Exclusion for equipment left unattended | yes | „Verlieren, Hängen-, Liegen- und Stehenlassen“ | Ziffer 3.3, page 4 |
| Exclusion of wear, edge and base damage | yes | „Abnutzungsschäden (normaler Verschleiß)“ | Ziffer 3.3, page 4 |
| 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 | not addressed | ||
| Higher deductible or reduction after a previous claim | not addressed | ||
| Term and renewal (days, season, year, membership) | yes | „Der Versicherungsschutz besteht für den im Versicherungsschein genannten Zeitraum.“ | Ziffer 1.1.2, page 2 |
| 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.
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Policy wordings and provider
- Legal entity
- Würzburger Versicherungs-AG
- Distribution
- brokers and direct
- Allgemeine Versicherungsbedingungen für Spezialprodukte (AVB Spezialprodukte 09/2025), Abschnitt 3 Ski- und Snowboardversicherung Edition: AVB Spezialprodukte 09/2025 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- und Snowboardversicherung and available as
plain text.
Volltext TravelSecure Ski- und Snowboardversicherung Skiversicherung · As text (Markdown) TravelSecure Ski- und Snowboardversicherung Ski insurance