Insurance broker / Art and valuables insurance / Policy wording archive Art and valuables
Generali ARTE Generali Privat Kunst & Mobilien: the policy wording in full
Allgefahrenvertrag für Kunst, Mobilien und Hausrat ab 250.000 Euro Kunstsumme mit Unterversicherungsverzicht, Terror, 30 Prozent Vorsorge und Integralfranchise von 500 Euro.
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Everything about this policy
What the policy covers: 68 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Generali ARTE Generali Privat
Kunst & Mobilien.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured of the collection or valuables (total according to the schedule) | as stated in the policy schedule | „Vorsorgeversicherung bis zu 30% über die jeweilige Versicherungssumme (VSU) hinaus für …“ | Allgemeines, page 1 |
| Minimum sum insured or minimum collection value required for the policy | yes, up to EUR 250,000 | „Mindestversicherungssumme für Kunstgegenstände: 250.000 EUR“ | Allgemeines, page 1 |
| All-risks cover (everything not expressly excluded is insured) | yes | „Allgefahrendeckung“ | Allgemeines, page 1 |
| Contract form: stand-alone fine art and valuables policy or add-on to home contents insurance | yes | „Kunst & Mobilien sowie Gebäude (als eigenständiger Vertrag)“ | Titel, page 1 |
| Agreed value: indemnity at the value fixed per item at inception, without proof of market value after a loss | yes | „Totalschäden: Vereinbarter Wert (gemäß § 76 VVG) oder Wiederbeschaffungswert von Sachen …“ | Kunst, page 1 |
| Waiver of underinsurance (no reduction if the sum insured is too low) | yes | „Unterversicherungsverzicht“ | Allgemeines, page 1 |
| Provision for increases in value of the insured items (percentage uplift on the sum) | yes, up to the sum insured | „Vorsorgeversicherung bis zu 30% über die jeweilige Versicherungssumme (VSU) hinaus für …“ | Allgemeines, page 1 |
| Automatic cover for new acquisitions until they are declared | yes, up to the sum insured | „Vorsorgeversicherung bis zu 30% über die jeweilige Versicherungssumme (VSU) hinaus für …“ | Allgemeines, page 1 |
| Cover for unscheduled items (blanket per item or in total) | not addressed | ||
| Territorial scope (insured premises, Europe or worldwide) | yes | „Außenversicherung (Aufenthalte und Transporte) weltweit bis zu zwölf Monaten: bis …“ | Kunst, Entschädigungsgrenzen, page 1 |
| Temporary removal from the insured premises (travel, second home, bank safe deposit box) | yes, up to EUR 250,000 | „Außenversicherung (Aufenthalte und Transporte) weltweit bis zu zwölf Monaten: bis …“ | Kunst, Entschädigungsgrenzen, page 1 |
Insured items
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Paintings, prints, sculptures and other works of art | yes, up to the sum insured | „Gemälde, Aquarelle, Zeichnungen, Stiche, Drucke“ | Kunst, Versicherte Sachen, page 1 |
| Antiques, collectible furniture and design objects | yes, up to the sum insured | „antiquarische Möbel“ | Kunst, Versicherte Sachen, page 1 |
| Jewellery and precious stones | yes, up to EUR 50,000 | „Schmucksachen, Uhren, Juwelen, Perlen, Edelsteine: 50.000 EUR“ | Wertgegenstände, page 2 |
| Collectible watches | yes, up to EUR 50,000 | „Hochwertige Taschen- und Armbanduhren“ | Wertgegenstände, page 2 |
| Coins, medals and precious metals (bullion) | yes, up to EUR 25,000 | „Briefmarken, Münzen und Medaillen: 25.000 EUR“ | Wertgegenstände, page 2 |
| Stamp collections | yes, up to EUR 25,000 | „Briefmarken, Münzen und Medaillen: 25.000 EUR“ | Wertgegenstände, page 2 |
| Wine and spirits collections | yes, up to EUR 50,000 | „Weinsammlungen: 50.000 EUR“ | Hausrat, Entschädigungsgrenzen, page 2 |
| Collectible musical instruments | yes, up to the sum insured | „antike Musikinstrumente“ | Kunst, Versicherte Sachen, page 1 |
| Books, manuscripts, autographs and photographs | yes, up to the sum insured | „antiquarische Bücher, Manuskripte, Urkunden“ | Kunst, Versicherte Sachen, page 1 |
| Other collections (toys, model railways, militaria, memorabilia) | yes, up to the sum insured | „Sonstige Sammlerobjekte“ | Kunst, Versicherte Sachen, page 1 |
| Classic cars and vehicle collections in the same policy | not addressed | ||
| Cash, securities and documents | yes, up to EUR 5,000 | „Bargeld, Kreditkarten, Schecks und auf Geldkarten geladene Beträge (z. B. Chipkarten) …“ | Wertgegenstände, page 2 |
| Other household contents in the same policy (combined home, art and valuables) | yes | „Versichert ist der gesamte Hausrat“ | Hausrat, page 2 |
Insured perils
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Fire, lightning, explosion, smoke and soot | yes, up to the sum insured | „Allgefahrendeckung“ | Allgemeines, page 1 |
| Burglary and vandalism following a break-in | yes, up to the sum insured | „Allgefahrendeckung“ | Allgemeines, page 1 |
| Robbery and mugging, also when away | yes, up to the sum insured | „Allgefahrendeckung“ | Allgemeines, page 1 |
| Simple theft (without break-in, for instance by guests or tradespeople) | yes, up to the sum insured | „Allgefahrendeckung“ | Allgemeines, page 1 |
| Loss and mysterious disappearance | yes, up to EUR 25,000 | „Schäden durch Verlieren, Liegen-, Stehen-, Hängenlassen: 25.000 EUR“ | Hausrat, Entschädigungsgrenzen, page 2 |
| Escape of water | yes, up to the sum insured | „Allgefahrendeckung“ | Allgemeines, page 1 |
| Storm and hail | yes, up to the sum insured | „Allgefahrendeckung“ | Allgemeines, page 1 |
| Further natural hazards (flood, earthquake, landslide) | yes, up to the sum insured | „Computerviren, Sturmflut“ | Was ist nicht versichert, page 1 |
| Accidental damage and breakage (knocking over, dropping) | yes, up to the sum insured | „Allgefahrendeckung“ | Allgemeines, page 1 |
| Transit, including removals, by carrier or by the insured | yes, up to EUR 250,000 | „Außenversicherung (Aufenthalte und Transporte) weltweit bis zu zwölf Monaten: bis …“ | Kunst, Entschädigungsgrenzen, page 1 |
| Loans to museums and exhibitions (nail to nail) | not addressed | ||
| Damage during restoration, framing or cleaning by specialists | no | „technische Defekte, Verarbeitung, Reparatur, Wartung“ | Was ist nicht versichert, page 1 |
| Terrorism, civil commotion and strike | yes, up to the sum insured | „Schäden durch Terror sind mitversichert“ | Allgemeines, page 1 |
Claims settlement
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Restoration costs for partial loss | yes, up to the sum insured | „Teilschäden: Notwendige Restaurierungs- und Wiederherstellungskosten zuzüglich einer …“ | Kunst, page 1 |
| Depreciation remaining after restoration | yes, up to the sum insured | „zuzüglich einer ggf. verbleibenden Wertminderung“ | Kunst, page 1 |
| Pair and set clause (loss in value of the undamaged part of a pair or set) | yes, up to the sum insured | „Bei Teilschäden an Paaren, Sets oder Serien der Wert der Sachgesamtheit“ | Kunst, page 1 |
| Right to buy back a recovered item after indemnity | not addressed | ||
| Artist's right: indemnity if the artist disclaims a damaged work | not addressed | ||
| Loss adjuster and expert fees | not addressed | ||
| Reward for the recovery of stolen items | yes, up to EUR 20,000 | „Unterstützung bei der Wiedererlangung von Kunstwerken: bis zu 20.000 EUR“ | Kosten, page 3 |
| Salvage, transport and storage costs after a loss | yes, up to the sum insured | „Verpackungs-, Transport- und Lagerkosten: bis zu 100 % über die VSU hinaus“ | Kosten, page 3 |
| No reduction for gross negligence | yes, up to the sum insured | „Verzicht auf den Einwand der groben Fahrlässigkeit“ | Allgemeines, page 1 |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of wear and tear and gradual deterioration | yes | „Schäden durch allmähliche Einwirkung oder Veränderung (Allmählichkeitsschäden)“ | Was ist nicht versichert, page 1 |
| Exclusion of damage from climate, light, temperature or humidity | yes | „Schäden durch allmähliche Einwirkung oder Veränderung (Allmählichkeitsschäden)“ | Was ist nicht versichert, page 1 |
| Exclusion of damage by vermin, moths, woodworm or mould | yes | „Schäden durch Ungeziefer, Insekten, Schädlinge oder Tierbiss“ | Was ist nicht versichert, page 1 |
| Exclusion of inherent vice (nature of the item, material defects) | yes | „natürliche oder mangelhafte Beschaffenheit der Sache“ | Was ist nicht versichert, page 1 |
| Exclusion of breakage of fragile items (glass, porcelain, ceramics) unless agreed | not addressed | ||
| Exclusion or limit of theft from vehicles | yes, up to EUR 25,000 | „Im verschlossenen Kraftfahrzeug: 25.000 EUR“ | Wertgegenstände, page 2 |
| Restriction for jewellery and watches being worn (loss while worn, sport, bathing) | yes, up to EUR 50,000 | „Tragerisiko: 50.000 EUR“ | Wertgegenstände, page 2 |
| Exclusion of authenticity, provenance and title defects (restitution to the rightful owner) | none | „Rechtsmängel (Defective Title): bis 200.000 EUR“ | Kunst, Entschädigungsgrenzen, page 1 |
| Restriction if the home is unoccupied (beyond a set period) | not addressed |
Obligations and security
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Valuation or appraisal required (from which item value) | not addressed | ||
| Obligation to revalue at fixed intervals | not addressed | ||
| Obligation to keep an inventory, photos and receipts | not addressed | ||
| Safe required for jewellery, watches and cash (limit outside the safe) | yes, up to EUR 50,000 | „für Wertgegenstände in qualifizierten Wertbehältnissen: Limits je nach Klassifikation …“ | Wertgegenstände, page 2 |
| Alarm system or other security measures required | not addressed | ||
| Rules for transit (specialist carrier, packing, accompaniment) | not addressed | ||
| Deadline for notifying claims and reporting to the police | not addressed | ||
| Registration of stolen items with a register (Art Loss Register or similar) | not addressed |
Contract and service
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible per claim | EUR 500 | „Selbstbehalt 500 EUR jeweils für den Kunst & Mobilien- sowie für den Gebäudevertrag“ | Allgemeines, page 1 |
| Policy term and notice period | not addressed | ||
| Insurer's right to cancel after a claim | not addressed | ||
| Risk consulting on security, storage, care and loans by the insurer | yes | „24-stündige Organisation von Services rund um Ihre Kunstgegenstände (z. B. Organisation …“ | Concierge-Service, page 4 |
| Premium-relevant rules without prices (discount for safe, alarm, claims-free years, deductible) | not addressed |
Evaluated by NAMMERT from published policy wordings.
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Policy wordings and provider
- Legal entity
- Generali Deutschland Versicherung AG
- Distribution
- brokers and direct
- ARTE Generali Leistungsübersicht Privat Kunst & Mobilien, Gebäude Edition: ARTE 4-1 0824 (08/2024) Original from the insurer (PDF, German)
Full text of the wording
The full text exists only in German.
It is printed on the German page for Generali ARTE Generali Privat Kunst & Mobilien and available
as plain text.
Volltext Generali ARTE Generali Privat Kunst & Mobilien Kunst und Wertsachen · As text (Markdown) Generali ARTE Generali Privat Kunst & Mobilien