Leisure Insurance -
For all your hobbies
For all your hobbies
Start your free time with peace of mind
Enjoy your leisure activities to the fullest while we ensure your comprehensive protection. Our tailored insurance solutions provide you with the security you need to fully focus on your hobbies.
Whether it's sports insurance, hunting and firearms insurance, or boat and water sports insurance - we have the right coverage for your passion.
At Breffka & Hehnke, your needs are at the forefront. We not only provide tailored insurance solutions for your leisure activities but also offer excellent customer service that caters to your specific requirements.
Our extensive experience and expertise in the insurance industry make us your reliable partner for worry-free leisure pursuits.
Our sports insurance includes a wide range of benefits, ranging from coverage for injuries during training or competition to reimbursement for equipment damage. Additionally, we also provide liability coverage that protects you in the event of third-party liability claims.
Hunting insurance offers a variety of coverages to protect hunters from various risks and situations they may encounter during their hunting trips. Here are some common elements that may be included in hunting insurance:
- Coverage for Hunting Equipment: This includes protection for your hunting gear, including firearms, optics, hunting clothing, and other equipment items that are covered in case of theft, loss, or damage.
- Protection against Wildlife Accidents: This insurance protects you in the event of accidents involving wildlife during hunting. It covers both personal and property damage that can result from collisions with wild animals.
- Liability Coverage: This coverage provides protection in case you accidentally cause damage to the property of others or cause bodily harm to someone during hunting. The insurance covers the costs of damage claims and legal defense expenses.
- Third-Party Property Protection: This coverage protects the property of third parties that may be located on your hunting grounds and extends to damage that could be caused by your hunting activities.
- Accident Insurance: This includes benefits to cover you or your hunting companions in the event of injuries or accidents during hunting.
These elements collectively ensure that hunters are financially protected and can enjoy their hunting experiences with greater peace of mind.
Firearms insurance is specifically designed to protect gun owners from various risks associated with their firearms. The exact details may vary depending on the insurance provider and policy, but typically, firearms insurance covers the following aspects:
- Theft and Loss: This insurance covers the loss or theft of your registered firearms. If your firearms are stolen or lost, you will be reimbursed for their corresponding financial value.
- Damage and Destruction: In case your firearms are damaged or destroyed due to accidents, fire, or other unforeseen events, the insurance covers the costs of repairs or replaces the firearms according to the agreed-upon value.
- Liability Coverage: This aspect of firearms insurance protects you from financial obligations if your firearms accidentally cause harm to individuals or property. The insurance covers the costs of damage claims and legal representation.
- Transport and Storage: Depending on the insurance policy, firearms insurance may also include protection during the transportation and storage of firearms to minimize risks such as damage or theft during transit or storage.
Firearms insurance provides gun owners with essential protection and peace of mind, ensuring that they are financially covered in case of unforeseen events involving their firearms.
The boat and water sports insurance from Breffka-Hehnke is specifically designed to protect you and your watercraft from the challenges and risks you might encounter during your exciting water sports adventures. We understand how important your watercraft is to you and want to provide you with the necessary protection so you can fully focus on the joys of water sports.
Our boat and water sports insurance includes benefits such as protection against damage to your watercraft, theft, and loss. Additionally, we provide liability coverage that protects you in case of damage to third parties during your water sports activities.
FAQs about Leisure Insurance
Insurance can be valuable for a variety of hobbies, especially when these hobbies entail potential risks to personal safety or property. Some hobbies that might warrant insurance include
- Sports Activities: Hobbies such as skiing, mountain climbing, cycling, or motorsports can carry an increased risk of injury, making appropriate insurance advisable.
- Collectibles and Artifacts: Collectors of valuable items like artworks, antiques, or collectibles might benefit from specialized insurance to protect these valuable objects from theft, damage, or loss.
- Craftsmanship: Individuals who enjoy crafting or engaging in DIY projects may benefit from insurance coverage that shields them from potential injuries or damage to third parties if something goes wrong during the pursuit of these activities.
The insurance of sports and hunting firearms is legally required in many countries to protect both the owners and the public from potential risks. The exact legal regulations and insurance requirements can vary depending on the country and region, so it's important to be informed about the specific regulations in your country.
Regardless of the legal requirements, it may be advisable to insure your sports or hunting firearm to protect it from theft, damage, or loss. Appropriate insurance can also provide liability coverage in case your firearm unintentionally causes harm to others.
individual firearm depends on various factors that can vary depending on
the insurance provider and specific policies. The main factors include:
- Insurance provider's policy: Every insurance provider may have different guidelines regarding firearm insurance. Some providers may offer packages that cover multiple firearms, while others may require a separate insurance policy for each firearm.
- Type of firearms: The type of firearms you own can also play a role. Certain types of firearms may have specific requirements or restrictions that the insurance provider needs to consider.
- Value of firearms: The value of your firearms can also be a crucial factor. For valuable or high-priced firearms, insurance providers may establish specific insurance guidelines that can vary based on the firearm's value.
- Legal regulations: Legal regulations and requirements in your region or country can also influence the insurance requirements for firearms. Some laws may mandate that each firearm must be insured separately, while others may have more flexible policies.
Your personal liability insurance typically covers claims related to your personal lifestyle and everyday activities. This may include damage to third-party property or injuries to individuals caused by your negligence, for example. In some cases, your personal liability insurance may also cover damages arising from certain recreational activities, provided they are considered common or everyday hobbies.
However, specialized recreational activities associated with higher risks, such as extreme sports or certain outdoor activities, may not be fully covered by your regular personal liability insurance. In such cases, it may be necessary to obtain specialized recreational insurance to ensure adequate protection for these specific activities.
Specialized recreational insurance can provide additional coverage tailored to the risks and requirements of particular recreational activities, offering you a more comprehensive protection that goes beyond the limits of your regular personal liability insurance.
Yes, sports insurance policies can include specific exclusions for certain sports that are considered particularly risky or dangerous. These are often activities that come with a higher risk of injury or accidents.
These exclusions can vary depending on the insurance provider and policy terms, and specific sports considered risky may be excluded from standard sports insurance coverage. This could include sports such as mountaineering, extreme skiing, skydiving, motorsports, martial arts, equestrian sports, or other high-risk sports where the likelihood of injury is higher.