Legal disclaimer / Data protection

Dear Customer,

This sheet contains important information on us and our consulting, market and information fundamentals, the insurers with whom we cooperate, on the relevant Complaints and Supervisory Bodies, on your right of revocation and questions on distance contract rights and consumer information for insured parties. Please read this information carefully. If you have any questions, please contact us. We shall be happy to assist you.


Obligatory Details - who we are

Bavaria AG
Bonded insurance Broker for
Yacht- and Aviationinsurance
Südliche Münchner Str. 15
D-82031 Grünwald/Munich

Entry in the Commercial Register of Munich District Court: HRB 199772
Chairwoman of the Board of Directors:
Chief Executive Officer (CEO) Sandra Ahrabian, née Krautgartner
Member of the Board Directors: Chief Sales Officer (CSO) Markus Wolf
Power of attorney: Authorized Office Barbara Eyring
Supervisory Board:
Chairman of board Dr. Darius Ahrabian, Member of board Dr. Jörg Ritter, Frank Multerer
Fon: +49/(0)89/693923-0,
Fax: +49/(0)89/693923-99/-98
E-Mail: info@bavaria-yacht.de, info@bavaria-air.de

We are active as independent insurance brokers with a licence under § 34 d, para. 1 of the Industrial Code. The responsible supervisory body is the Industrie- und Handelskammer für München und Oberbayern (Chamber of Industry and Commerce for Munich and Upper Bavaria), Max-Joseph-Straße 2, 80333 München, www.muenchen.ihk.de There are no participations in and by insurance companies or parent compa¬nies of an insurance company. We are registered with the responsible authority and correspondingly entered in the brokerage register under the registration number D-PV7B-6NX74-00. The registration in the register can be monitored as follows: Deutscher Industrie- und Handelskammertag (DIHK) e.V., Breite Straße 29, 10178 Berlin, Telefon 0180-500-585-0 (14 cents/per min from the German fixed network, there can be deviations for mobile telephone networks), www.vermittlerregister.info

Consulting, Market and Information Bases - how we work

We have specialised in yacht insurances and observe this market continuously. We wish to fulfil the wishes and needs of our customers rapidly, efficiently and to the satisfaction of both parties. Most of our employees are themselves water sports enthusiasts who use their experience and specialist knowledge to offer you fair and high-value insurance solutions.
BAVARIA has as the specialist broker pre-selected from the market and offers exclusively own products developed with the insurers. Thereby we agree in part also the involvement of several insurers or insurance consortia, who share the risk to varying degrees. These shares can differ according to the size and use of the vehicle involved and be restructured annually.
We cooperate currently with the following insurers:

Allianz SE, Königinstraße 28, 80802 München, Germany
AXA Corporate Solutions Assurance, 4, rue Jules Lefebvre, 75426 Paris Cedex 09, France
DBV Winterthur Versicherung AG, Frankfurter Straße 50, 65178 Wiesbaden, Germany
Esa EuroShip Assekuradeurgesellschaft mbH, Friedrichsplatz 2, 74177 Bad Friedrichshall, Germany
Generali Versicherung AG, Adenauerring 7, 81737 München, Germany
HDI-Gerling Industrie Versicherung AG, Riethorst 2, 30659 Hannover, Germany
KRAVAG-Logistic Versicherungs AG, Heidenkampsweg 102, 20097 Hamburg, Germany
Mannheimer Versicherung AG, Augustaanlage 66, 68165 Mannheim, Germany
Nationale Suisse, Querstraße 8 - 10, 60322 Frankfurt
ROLAND Rechtsschutz-Versicherungs-AG, Deutz-Kalker Straße 46, 50679 Köln, Germany
R+V Allgemeine Versicherung AG, Kreuzberger Ring 17, 65205 Wiesbaden, Germany
UNIQA osiguranje d.d., Savska cesta 106, 10000 Zagreb, Croatia
Victoria Versicherung AG, Victoriaplatz 1, 40198 Düsseldorf, Germany
Wiener Städtische Versicherung AG, Schottenring 30, Postfach 80, 1011 Wien, Austria

The new brokering law obliges us to provide formalised consulting and documentation. We document on a running basis all the relevant processes for your insurance. A documentation of routine cases and standard processes does not take place, so that the bureaucratic additional effort is kept as low as possible. So that we can continue to act in this manner, we would request you to signify your agreement with our procedure. With your agreement, you assist us to continue to provide you with the specialist consulting which both you and we value.

Complaints Agency and Supervisory Bodies

We attach great importance that you are satisfied with our services. Should this on any occasion not be the case, please raise the matter with us so that we can initiate a remedy.
Otherwise the following arbitration agencies can be approached for an out-of-court settlement of the dispute:
Versicherungsombudsmann e.V., Postfach 08 06 32, 10006 Berlin,
www.versicherungsombudsmann.de
Ombudsmann Private Kranken- und Pflegeversicherung, Kronenstraße 13, 10117 Berlin,
www.pkv-ombudsmann.de
The responsible supervisory body for the insurers is:
Bundesanstalt für Finanzdienstleistungsaufsicht (BAFin), Graurheindorfer Straße 108, 53117 Bonn, www.bafin.de

Consumer Information

The respective insurance conditions are the basis for the insurance contract. The Law of the Federals Republic of Germany is applied to the insurance relationship. The contract language matches the language in which the insurance certificate is issued. In cases of doubt, the contract language is German.
The insurance begins respectively to the targeted commencement date, at the earliest, however, at the point in time of the receipt by us of the application for insurance.
The duration of the contracts is 1 year. They are extended respectively by a further year unless at the latest three months before expiry of the respective insurance year, a termination notice in writing is received.

Right of Revocation

You may revoke your contractual declaration within two weeks without the specification of reasons in text form (e.g. fax, letter or e-mail). The right of revocation does not exist for contracts for provisional cover. The deadline begins on the day after your insurance certificate, the contractual provisions, including our General Terms and Conditions and the contract conditions and information as per § 7m para. 2 of the Insurance Contact Act and this guidance have been received in text form. Further details are contained in the sheet Legal Information. In electronic correspondence the revocation period does not begin until we have fulfilled the applicable additional obligations for this marketing method in accordance with § 312 e, para. 1 of the German Civil Code (means of correction of entry errors, confirmation of the application). To keep to the revocation deadline, the sending in due time of the revocation notice suffices. The revocation notice is to be sent to:

Bavaria AG Spezialmakler für Yacht- und Luftfahrzeugversicherungen
P.O. Box/Postfach 1455
82028 Grünwald
Germany
Fax: +49/(0)89/693923-99/-98
E-Mail: info@bavaria-yacht.de, info@bavaria-air.de

Consequences of Revocation

In the event of a valid revocation, your insurance protection ends and we reimburse you the part of your premium apportioned to the period after receipt of your revocation notice.
That part of your premium apportioned to the period until the receipt of your revocation notice can be retained by us if you have agreed that the insurance protection begins before the expiry of the revocation notice. If you have not issued your agreement or the insurance protection begins after the expiry of the revocation period, the payments received by both sides are to be reimbursed.
We reimburse premiums to you immediately at the latest 30 days after receipt of the revocation notice.

Special Indicators to the Right of Revocation

Your revocation period is excluded if the contract was fulfilled on both sides at your express wish before you exercised your right of revocation. If you revoke a substitute contract, your original contract continues to exist.
Your revocation period is excluded if the contract was fulfilled on both sides at your express wish before you exercised your right of revocation. If you revoke a substitute contract, your original contract continues to exist.
The right of revocation does not exist for contracts with a duration of less than one month and for contracts for provisional cover.
state: 01/08

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Google will also if applicable transmit this information to third parties provided that this is stipulated by law or insofar as third parties process these data by order of Google. In no way will Google associate your IP address with other data. You can prevent the installation of the Cookies by a corresponding setting of your browser software; however we would like to point out that in this case you may not be able to use all functions of this website in full. By using this website you declare that you agree with the processing of the data collected on you by Google in the manner as described above and for the afore-mentioned purpose.

Copyright for used pictures

Photos of sailing boats by Ingrid Abery, “Luxury Yacht” by Barkin Vitaliy – iStockphoto, “sailing Yacht in the wind” by Giovanni Rinaldi – iStockphoto, “navigazione sotto spinnaker bianco“ by Giovanni Rinaldi – fotolia, other Yachts by Fipa Group