{
  "id": "clause-relatives-clause",
  "type": "clause",
  "languages": {
    "en": {
      "id": "clause-relatives-clause",
      "lang": "en",
      "type": "clause",
      "title": "Relatives Clause",
      "shortDefinition": "The relatives clause excludes, in liability insurance, claims brought by relatives of the policyholder who live with them in the same household or are co-insured under the policy.",
      "synonyms": [
        "Family exclusion clause"
      ],
      "linesOfBusiness": [
        "Liability"
      ],
      "jurisdictions": [
        "DE"
      ],
      "tags": [
        "Liability Insurance",
        "Exclusions"
      ],
      "relations": {
        "relatedTerms": [
          "term-gradual-damage",
          "term-avb"
        ],
        "partOf": [],
        "appliesTo": [
          "cov-privathaftpflichtversicherung"
        ],
        "regulatedBy": [
          "reg-vvg-de"
        ],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": {
        "kind": "exclusion",
        "origin": "de-market",
        "favours": "insurer",
        "negotiability": "standard",
        "standardWordings": [
          "GDV AHB 2016 clause 7.5"
        ]
      },
      "legalBasis": [],
      "standards": [],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.2.0",
      "updated": "2026-09-03",
      "generated": {
        "by": "cursor-agent/claude-sonnet-5",
        "at": "2026-09-03T00:00:00.000Z"
      },
      "verified": [
        {
          "by": "human:ghesse",
          "at": "2026-09-04T00:00:00.000Z",
          "method": null
        }
      ],
      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/en/knowledge/clause/relatives-clause/",
      "alternateUrl": "https://hgh.ch/lexikon/de/wissen/klausel/angehoerigenklausel/",
      "body": "## Purpose\n\nThe relatives clause excludes liability claims arising from losses involving relatives of the policyholder who live with them in the same household or are co-insured under the policy. The precise circle of relatives covered by the exclusion is defined in the applicable policy wording.\n\n## Effect and limits\n\nThe exclusion is intended to prevent the risk of collusive conduct between the policyholder, co-insured persons, and the claimant. Where close family relationships exist, there is a heightened risk that a loss event could be manipulated, or a claim artificially constructed, at the insurer's expense.\n\n## Negotiation and practice\n\nBecause the scope of \"relatives\" can vary considerably between policy wordings, families and shared households should carefully review the clause's definition to identify potential coverage gaps for claims arising within the family. Some tariffs write back bodily injury and property damage claims between co-insured persons and limit the exclusion to financial loss."
    },
    "de": {
      "id": "clause-relatives-clause",
      "lang": "de",
      "type": "clause",
      "title": "Angehörigenklausel",
      "shortDefinition": "Die Angehörigenklausel schliesst in der Haftpflichtversicherung Haftpflichtansprüche von Angehörigen des Versicherungsnehmers aus, die mit ihm in häuslicher Gemeinschaft leben oder mitversichert sind.",
      "synonyms": [
        "Verwandtenklausel"
      ],
      "linesOfBusiness": [
        "Haftpflicht"
      ],
      "jurisdictions": [
        "DE"
      ],
      "tags": [
        "Haftpflichtversicherung",
        "Ausschlüsse"
      ],
      "relations": {
        "relatedTerms": [
          "term-gradual-damage",
          "term-avb"
        ],
        "partOf": [],
        "appliesTo": [
          "cov-privathaftpflichtversicherung"
        ],
        "regulatedBy": [
          "reg-vvg-de"
        ],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": {
        "kind": "exclusion",
        "origin": "de-market",
        "favours": "insurer",
        "negotiability": "standard",
        "standardWordings": [
          "GDV AHB 2016 Ziff. 7.5"
        ]
      },
      "legalBasis": [],
      "standards": [],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.2.0",
      "updated": "2026-09-03",
      "generated": {
        "by": "cursor-agent/claude-sonnet-5",
        "at": "2026-09-03T00:00:00.000Z"
      },
      "verified": [
        {
          "by": "human:ghesse",
          "at": "2026-09-04T00:00:00.000Z",
          "method": null
        }
      ],
      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/de/wissen/klausel/angehoerigenklausel/",
      "alternateUrl": "https://hgh.ch/lexikon/en/knowledge/clause/relatives-clause/",
      "body": "## Zweck\n\nDie Angehörigenklausel schliesst Haftpflichtansprüche aus Schadenfällen von Angehörigen des Versicherungsnehmers aus, die mit ihm in häuslicher Gemeinschaft leben oder zu den mitversicherten Personen des Vertrags gehören. Der Kreis der erfassten Angehörigen wird in den jeweiligen Versicherungsbedingungen näher definiert.\n\n## Wirkung und Grenzen\n\nDer Ausschluss soll der Gefahr eines missbräuchlichen Zusammenwirkens zwischen Versicherungsnehmer, mitversicherten Personen und dem Geschädigten vorbeugen. Bei engen familiären Beziehungen besteht ein erhöhtes Risiko, dass ein Schadenfall zulasten des Versicherers manipuliert oder ein Anspruch missbräuchlich konstruiert wird.\n\n## Verhandlung und Praxis\n\nDa der Kreis der \"Angehörigen\" je nach Bedingungswerk unterschiedlich weit gefasst sein kann, ist bei gemeinsam lebenden Familien und Wohngemeinschaften eine genaue Prüfung der Klauseldefinition erforderlich, um Deckungslücken bei innerfamiliären Schadenfällen zu erkennen. Manche Tarife schliessen Personen- und Sachschäden zwischen mitversicherten Personen wieder ein und begrenzen den Ausschluss auf Vermögensschäden."
    }
  }
}