Liberty Quality Home - house and contents insurance
B2. All risk insurance against accidental damage
B.2.3. Compulsory hunting liability
By means pf the compulsory cover for all hunters using weapons to hunt, the insurer undertakes to indemnify the insured hunter while hunting, up to the quantitive limits currently in force, for any events that cause bodily injuries, which may be claimed in accordance with that set forth below:
- In accordance with regulations set forth for hunting in the Autonomous Communities with authority on such matters and, secondarily, those stipulated in Article 52 of the Hunting Act 1/1970 of 4 April; those stipulated in Articles 73 and 76 and, secondarily, those set forth in other applicable provisions of the Insurance Contracts Act 50/1980 of 8 October and the revised text of the Regulation and Supervision of Private Insurance Act, approved by Royal Decree 6/2004 of 29 October and the regulations set forth therein.
- That set forth in the legal provisions of the regulations regarding compulsory Hunting Liability Insurance (Royal Decree 63/1994 of 21 January)
- For such purposes, the definitions of "the action of hunting" and "hunter" shall be those provided in the regulations of the relevant Autonomous Community with authority on such matter and, secondarily, those given in articles 2 and 3 of the Hunting Act.
- This compulsory cover guarantees the obligation of all hunters with weapons to indemnify any bodily injuries to people while hunting throughout Spain.
The scope of this cover includes:
1. The damage referred to in the previous section caused by the involuntary firing of a weapon.
2. The damage referred to in the previous section caused during the rest time within the limits of the hunting ground, providing hunting is being carried out.
Cases in which the hunter does not have to pay any indemnity whatsoever because the accident was solely due to the fault or negligence of the injured party or force majeure are exluded from the scope of this cover.
Any defects, breakage or faults in hunting weapons and the mechanisms or ammunition thereof shall not be construed as force majeure.
3. By virtue of the compulsory cover, the insurer guarantees the payment of indemnity for bodily injuries caused to people as a result of the action of hunting UP TO THE MAXIMUM LIMIT OF euros 90,151.82 PER VICTIM.
4. If the insured damage is caused by the members of a hunting party and the person responsible for the damage is not indicated, the insurance companies of the members of said party shall respond jointly and severally. For such purposes, only the hunters who hunted on the day and in the place where the damage occurred and those who used the same kind of weapon as that which caused the damage shall be construed as members of the hunting party.
5. For the purposes of the excercising the right of recourse attributed to the insurer by Article 76 of the Insurance Contract Act, the following cases shall be construed as damage or losses caused to third parties due to the wilful misconduct of the insured, notwithstanding any other cases that may constitute gross negligence:
a. Any damage or losses caused while hunting under any of the following circumstances: without the relevant licence or when such licence has expired, with prohibited weapons, in the closed season or under the influence of alcohol or toxic or narcotic drugs.
b. Any damage or losses caused by the reckless use of hunting weapons in secure areas.
c. Cases in which the person responsible for the damage fails to provide aid to the victim.
6. Contrary to the terms shown in the preliminary conditions, for the purposes of this cover, only the policyholder is insured.
B.2.4. Liability derived from owning dangerous breeds of dogs
B3. Compulsory hunting liability