1. Insurance scope
Insurance availability, scope, deductibles and exclusions depend on the asset, quotation, contract and actual policy. Displaying “insurance” does not mean every risk is covered.
2. Incidents and damage
Incidents must be reported promptly and supporting evidence/photos/official reports preserved where required. Opening a claim does not automatically establish liability or damage value.
3. Unauthorized use
A responsible party may bear costs caused by misuse, negligence or operation outside approved limits under contract and law.
4. Liability limits
Liability is allocated according to cause, control, contract and applicable law. Nothing excludes liability that cannot legally be excluded.