Insurance broker / Ski and winter sports insurance in Germany (rescue, piste liability, equipment, accident) / Policy wording archive Ski insurance
Würzburger DAV Alpiner Sicherheits-Service: the policy wording in full
Alpiner Sicherheits-Service aus der DAV-Mitgliedschaft für Berg- und Wintersport weltweit: Such-, Rettungs- und Bergungskosten bis 25.000 Euro, Heilkosten nach Unfall im Ausland, Rücktransport, Sporthaftpflicht bis 6 Mio. Euro und Unfall mit bis zu 25.000 Euro bei Vollinvalidität.
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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 Würzburger DAV Alpiner
Sicherheits-Service.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Type of cover (equipment, liability, rescue, accident, refunds or package) | yes | „Allgemeine Versicherungsbedingungen für den DAV Alpiner Sicherheits-Service“ | Kopf, page 1 |
| Standalone winter sports policy (not only an add-on to travel, accident or contents cover) | no | „Versicherte Personen sind alle Mitglieder der Sektionen des Deutschen Alpenvereins e …“ | Teil A Ziffer 1, page 1 |
| Cover only through a membership (ski association, alpine club, season pass or lift ticket) | yes | „Versicherte Personen sind alle Mitglieder der Sektionen des Deutschen Alpenvereins e …“ | Teil A Ziffer 1, page 1 |
| Cover for single days, a week or one season | not addressed | ||
| Territorial scope (home country, Europe, worldwide, only certain resorts) | yes | „Der Versicherungsschutz gilt weltweit (außer bei Pauschalreisen außerhalb Europas …“ | Teil A Ziffer 2, page 1 |
| Off-piste skiing (freeride) covered | not addressed | ||
| Ski touring and ski mountaineering covered | yes | „Skitouren/Skibergsteigen“ | Teil A Ziffer 2.2, page 1 |
| Other winter sports (snowboard, cross-country, sledging, snowshoeing, skating) | yes | „Skifahren (alpin, nordisch, telemark); Snowboarden; Skitouren/Skibergsteigen …“ | Teil A Ziffer 2.2, 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 EUR 6 million | „Versicherungsleistungen je Schadenereignis: 6.000.000 EUR für Personenschäden und …“ | Teil B Ziffer 7, page 2 |
| Bodily injury in a collision on the piste | yes, up to EUR 6 million | „Versicherungsleistungen je Schadenereignis: 6.000.000 EUR für Personenschäden und …“ | Teil B Ziffer 7, page 2 |
| Damage to other people's equipment | yes, up to EUR 6 million | „Versicherungsleistungen je Schadenereignis: 6.000.000 EUR für Personenschäden und …“ | Teil B Ziffer 7, page 2 |
| Legal expenses or defence after a piste accident | not addressed | ||
| Liability only subsidiary to existing personal liability | yes | „nur dann, wenn der andere Privathaftpflicht-Versicherer bedingungsgemäß keinen …“ | Teil B Ziffer 4, page 2 |
| 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 25,000 | „Die Würzburger erstattet die von der versicherten Person geschuldeten notwendigen …“ | Teil A Ziffer 7.1, page 1 |
| Helicopter rescue covered | not addressed | ||
| Piste rescue and transport to the valley (sledge, ski patrol) | yes, up to the sum insured | „den Transport in das nächstgelegene Krankenhaus“ | Teil A Ziffer 7.1 c, page 1 |
| Rescue without accident (exhaustion, getting lost, weather, suspected emergency) | yes, up to EUR 25,000 | „Suchmaßnahmen, zum Auffinden von Personen, die mutmaßlich in Bergnot geraten sind“ | Teil A Ziffer 7.1 a, page 1 |
| Repatriation home or to a hospital at home | yes, up to the sum insured | „organisiert die Würzburger Assistance-Notrufzentrale den Rücktransport aus dem …“ | Teil A Ziffer 6.1, page 1 |
| Medical costs after a ski accident (doctor, hospital, also abroad) | yes, up to the sum insured | „Die Würzburger ersetzt die Aufwendungen für die im Ausland notwendige ärztliche Hilfe …“ | Teil A Ziffer 5.1, page 1 |
| Rescue and medical costs only subsidiary to other insurance | yes | „Die Leistung wird subsidiär erbracht“ | Teil A Ziffer 7.3, page 1 |
Accident
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Accidental death benefit | yes, up to EUR 5,000 | „Einmalige Kapitalleistung bei Unfall-Tod 5.000,– EUR“ | Teil C Ziffer 1.2, page 2 |
| Disability benefit after an accident | yes, up to EUR 25,000 | „Die Kapitalleistung beträgt maximal 25.000,– EUR bei Vollinvalidität (100 %).“ | Teil C Ziffer 1.1, page 2 |
| 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 | yes | „Teilnahme an Skiwettkämpfen und anderen Wettkämpfen, soweit nicht vom DAV veranstaltet“ | Teil A Ziffer 3.5, page 1 |
| 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, welche die versicherte Person vorsätzlich oder durch grob fahrlässiges …“ | Teil A Ziffer 3.4, page 1 |
| Exclusion for equipment left unattended | not addressed | ||
| Exclusion of wear, edge and base damage | not addressed | ||
| Exclusion of professional activity (instructor, guide) | yes | „sofern diese sportlichen Aktivitäten weder gegen Entgelt, noch ehrenamtlich im Auftrag …“ | Teil B Ziffer 1, 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 unverzüglich der Würzburger, Bahnhofstraße 11, 97070 Würzburg, anzuzeigen“ | Teil A Ziffer 8.4, 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 | „sofern zum Zeitpunkt des Unfalles oder der Bergnot der fällige DAV-Mitgliedsbeitrag …“ | Teil A Ziffer 1, 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.
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Policy wordings and provider
- Legal entity
- Würzburger Versicherungs-AG
- Distribution
- not known
- AVB DAV ASS Edition: AVB DAV ASS 2017 (08/12.19) Copy hosted by an intermediary, not by the insurer
- DAV ASS Leistungsübersicht Edition: DAV-ASS-2017-LÜ 06/01.17 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 Würzburger DAV Alpiner Sicherheits-Service and available as
plain text.
Volltext Würzburger DAV Alpiner Sicherheits-Service Skiversicherung · As text (Markdown) Würzburger DAV Alpiner Sicherheits-Service Ski insurance