Protection for hunters: Essential.
The hunting liability insurance from nextsure offers hunters comprehensive protection against the financial consequences of personal, property, and financial damage that may occur during hunting activities.
Legally required
Comprehensive Protection
Customised Rates
Why is hunting liability insurance legally required?
Protection of Third Parties
High Risks
Legal Obligation
Hunting Licence Requirement
What does hunting liability insurance cover?
The hunting liability insurance from nextsure is designed to cover a wide range of damages directly related to the practice of hunting. At its core, the protection includes personal injuries, property damage, and financial losses. Personal injuries may involve treatment costs, compensation for pain and suffering, or pension payments if third parties are injured or, in the worst case, killed due to hunting activities. Property damage refers to the damage or destruction of third-party property, such as agricultural crops, third-party vehicles, or damaged hunting stands. Financial losses are disadvantages suffered by third parties without a direct injury to a person or property, such as lost profits. An essential component often includes the co-insurance of certified hunting dogs during hunting operations. Similarly, damages caused by the permitted use of hunting weapons, as well as in many policies the loss of weapons or ammunition under certain conditions, are covered. For a precise overview of the benefits and exclusions, the individual insurance terms of your nextsure contract are decisive.
Your protection as a hunter
Core benefits of our hunting liability insurance
Personal injuries
Protection in the event of injury or death of third parties.
Property damage
Cover for damage to third-party property.
Property damage
Protection against financial disadvantages of third parties.
Hunting dogs
Including insurance for your trusty hunting companions in action.
Hunting Abroad
Insurance coverage even for many hunting trips.
Gun ownership
Liability for permitted weapons possession and use.
Wildlife damage
Wild damage caused by hunting.
Bad debt
Protection when the liable party is unable to pay.
Quick Help
Effortless claim reporting and digital processing.
Tailored insurance coverage for your hunting activities.
Safe on the Hunt
Calculate hunting liability insurance now!
Coverage amounts: What is important in hunting liability insurance?
The choice of an appropriate coverage amount is a critical aspect of your hunting liability insurance. While the law prescribes minimum coverage amounts – currently 500,000 euros for personal injuries and 50,000 euros for property damage – experience shows that these amounts often fall short in serious cases. Personal injuries, in particular, can quickly result in costs reaching millions. nextsure therefore strongly advises comprehensive coverage amounts of at least 5 million euros, ideally 10 to 15 million euros or more, for personal, property, and financial damages. Such an amount provides robust protection and minimises the risk of having to use your personal assets to cover significant claim events. When selecting a tariff, pay attention not only to the premium but above all to a coverage amount that suits the potential risk of your hunting activities and offers you financial security.
Hunting dogs in hunting liability insurance: What needs to be considered?
Hunting dogs are indispensable partners in hunting and, like any animal, can cause damage. Most hunting liability insurances include recognised working hunting dogs during hunting activities and training. However, it is crucial to check the exact terms of the contract: Is there a limit on the number of insured dogs? Are all breeds covered, or only specific hunting dog breeds? An important point is the distinction: Hunting liability usually only covers damage caused by the dog *in the context of hunting activities*. For damages your hunting dog causes in a private environment (e.g., during a walk without hunting context), you need a separate animal owner's liability insurance. nextsure provides comprehensive advice to ensure that your four-legged hunting companions are optimally insured and that there are no coverage gaps.
Overseas Hunting: Does the Insurance Coverage Apply Internationally?
Many hunters travel abroad for hunting. The question of the international scope of hunting liability insurance is therefore relevant. Numerous German hunting liability insurances offer coverage that is valid at least for hunting trips within Europe, and some policies even extend this protection worldwide. Nevertheless, a thorough examination of the insurance terms is essential. Pay attention to specific clauses regarding territorial scope, the maximum duration of the stay abroad, and whether certain types of hunting or destination countries might be excluded from standard coverage. For hunts in certain regions, particularly outside the European Union or involving specific forms of hunting, it may be necessary to take out additional foreign hunting insurance or travel insurance with integrated hunting protection. nextsure recommends early clarification before starting the hunting trip to ensure comprehensive insurance coverage.
Negligence and intent: What is covered?
In insurance law, and therefore also in hunting liability insurance, the distinction between negligence and intent is fundamental to the entitlement for benefits. Damage caused by the hunter's negligent actions is typically covered by insurance. Negligence arises when the required care in hunting operations is neglected. In cases of gross negligence – a particularly serious breach of the duty of care – insurers may reduce benefits depending on the policy. However, it is important to note: damages intentionally caused are generally excluded from insurance coverage. If damage occurs with knowledge and will, that is, intentionally, there is no obligation for the hunting liability insurance to provide benefits. The exact definitions and regulations pertaining to the various degrees of negligence and the consequences of intent are clearly and transparently detailed in the General Insurance Conditions (AVB) of your nextsure contract.
Digitale
Processing
Experts
Consultation
Faire
Tariffs
Excess: Sensible or not for hunting liability insurance?
The agreement of a deductible (also known as self-retention or franchise) in hunting liability insurance can lead to a reduction in the annual insurance premium. If you choose a plan with a deductible, you commit to bearing a pre-defined amount of costs yourself in the event of a claim before the insurance benefit kicks in. The key question is whether the premium savings achieved outweigh the risk of having to cover a part of the costs yourself in case of damage. A low or no deductible usually results in a higher premium, but offers full coverage for costs by the insurer (up to the coverage limit) in return. For hunters who statistically rarely cause damage and are willing to cover minor damages out of pocket, a deductible can be a worthwhile option to consider. nextsure enables you to transparently compare plans with and without deductible, allowing you to make the optimal decision for your risk tolerance and financial situation.
Cancellation and Change of Hunting Liability Insurance
Changing or cancelling hunting liability insurance requires careful planning to ensure continuous coverage, as this is a mandatory condition for the validity of the hunting licence. Regular cancellation is usually possible at the end of the agreed contract term, with a notice period—usually three months—that must be observed. If this deadline is missed, the contract is typically extended automatically for another year. An extraordinary right to cancel may exist, for example, after settlement of a claim by the insurer or in the event of a premium increase without a corresponding improvement in benefits. Before making a switch, it is essential to carry out a detailed comparison of the new provider's conditions. Ensure that the new policy seamlessly follows the old one to avoid coverage gaps. nextsure actively supports you in comparing rates and ensuring a smooth transition to more suitable insurance coverage.
Claim: How should I behave correctly?
In the event of an accident during your hunting activities, it is crucial to act calmly and correctly to avoid jeopardising your insurance cover and to enable prompt settlement by nextsure. The top priority is always to secure the accident or damage site and to provide immediate assistance to any injured persons, as well as informing the relevant authorities if necessary. Document the damage as precisely and comprehensively as possible: Take detailed photos or videos of the situation and the resulting damage, create a meaningful sketch of the events, and note the full names and addresses of any potential witnesses and the affected party(ies). Report the damage immediately – usually within one week – to your hunting liability insurance at nextsure. Important: Do not admit liability to third parties before discussing the incident with your insurer. Complete the damage report truthfully and in full. Our team is here to support you in the event of a claim.
Is hunting liability insurance really necessary?
The search for the optimal tariff for your hunting liability insurance should go beyond a mere price comparison. What matters is a balanced ratio of premium and scope of services that meets your individual needs as a hunter. Important comparison criteria include the amount of the agreed coverage for personal, property, and financial damage - nextsure recommends generous sums here. Also, check the conditions for co-insurance of hunting dogs, the territorial scope (for example, is hunting abroad covered?), and the regulations on deductibles. Other relevant aspects can include insurance cover for the loss of hunting weapons, participation in group hunts, or coverage of specific hunting risks. As a digital insurance portal, nextsure offers you transparent comparison calculators and expert online advice. Our goal is to provide you with tailored, comprehensive, yet affordable insurance cover, so you can pursue your passion as a hunter with the necessary security and peace of mind.
