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Baloise Dienstfahrt-Fahrzeugversicherung Freistaat Bayern: the policy wording in full
Sammelvertrag des Freistaats Bayern für Sachschäden an Privatfahrzeugen der Bediensteten bei vorher genehmigten Dienstfahrten nach Kaskobedingungen, ohne Schutz bei grober Fahrlässigkeit und ohne Neupreisentschädigung; Rabattverlust nur über eine gesonderte private Versicherung.
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Everything about this policy
What the policy covers: 69 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Baloise
Dienstfahrt-Fahrzeugversicherung Freistaat Bayern.
Contract form and insured persons
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract form (annual flat rate, per kilometre, named vehicles, day cover, framework or group contract) | yes | „Die Basler Securitas Versicherungs-AG, vertreten durch die Ecclesia Versicherungsdienst …“ | Nr. 1, page 1 |
| Eligible policyholders (companies, clubs, associations, churches, welfare bodies, municipalities) | yes | „Versicherungsnehmer ist der Freistaat Bayern.“ | Nr. 1, page 1 |
| Employees using their private vehicle on business trips covered | yes | „gewährt den Bediensteten des Freistaates Bayern einschließlich der ehrenamtlichen Richter“ | Nr. 1, page 1 |
| Volunteers and unpaid helpers covered | yes | „einschließlich der ehrenamtlichen Richter“ | Nr. 1, page 1 |
| Officers and board members (board, management, elected office holders) covered | not addressed | ||
| Freelancers, fee-based staff and instructors covered | not addressed | ||
| Blanket cover for all entitled persons without naming them | yes | „gewährt den Bediensteten des Freistaates Bayern einschließlich der ehrenamtlichen Richter“ | Nr. 1, page 1 |
| Vehicles of spouses, relatives or third parties used by the entitled person on business covered | yes | „für Sachschäden am nicht im Eigentum des Freistaates Bayern stehenden Kraftfahrzeug aus …“ | Nr. 2, page 1 |
| Leased, financed and rented private vehicles covered | no | „Es besteht kein Versicherungsschutz bei Benutzung von Mietwagen“ | Nr. 2, page 1 |
Insured vehicles and trips
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured vehicle types (cars, estates, motorcycles, minibuses, vans up to a payload) | yes | „für Sachschäden am nicht im Eigentum des Freistaates Bayern stehenden Kraftfahrzeug“ | Nr. 2, page 1 |
| Motorcycles and scooters covered | not addressed | ||
| Bicycles, pedelecs and e-scooters on business trips covered | not addressed | ||
| Vehicles owned by the policyholder (company or club vehicles) excluded | yes | „für Sachschäden an nicht im Eigentum des Freistaates Bayern stehenden Fahrzeugen …“ | Bekanntmachung Nr. 2, page 1 |
| Definition of a business trip (ordered or approved, on behalf and in the interest of the policyholder) | yes | „Der Versicherungsschutz besteht nur, wenn die Benutzung des privaten Kraftfahrzeugs zur …“ | Nr. 2, page 1 |
| Commuting between home and workplace or place of assignment covered | not addressed | ||
| Detours and interruptions for private purposes covered | not addressed | ||
| Parking during the business trip (including overnight at the destination) covered | yes | „Ebenfalls versichert ist ein Schaden, der am geparkten Fahrzeug während der Dienstzeit …“ | Nr. 4, page 2 |
| Multi-day business trips with overnight stay covered | not addressed | ||
| Trips to events, meetings, training and transport of members or persons in care covered | not addressed | ||
| Territorial scope (domestic, Europe, non-European territories of the EU) | not addressed | ||
| Proof of the business trip (travel request, logbook, confirmation by the principal) | yes | „Jeder Schadenfall ist der Ecclesia Versicherungsdienst GmbH vom Versicherten unter …“ | Nr. 5, page 3 |
Own damage cover
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Comprehensive: accident, self-inflicted damage and vandalism | yes | „Es finden im Rahmen der Schadenregulierung die für die Voll- und Teilkaskoversicherung …“ | Nr. 3, page 2 |
| Partial cover: fire, explosion, theft, storm, hail, flood | yes | „so sind Schäden, die unter die Teilkaskoversicherung fallen, ausschließlich aus der …“ | Nr. 6, page 3 |
| Glass breakage | not addressed | ||
| Collision with animals of any kind | not addressed | ||
| Marten and animal bites including consequential damage | not addressed | ||
| Theft, burglary and robbery of the vehicle or parts | not addressed | ||
| Maximum indemnity per vehicle or claim | yes, up to the sum insured | „wenn der erstattungsfähige Betrag 75 € nicht übersteigt.“ | Nr. 2, page 1 |
| Indemnity at replacement value, new price for recent vehicles | no | „Bei Totalschaden, Zerstörung oder Verlust erfolgt keine Neupreisentschädigung.“ | Nr. 4, page 2 |
| Waiver of the gross negligence defence | no | „bei vorsätzlicher oder grob fahrlässiger Herbeiführung des Schadens“ | Nr. 2, page 1 |
| Towing, recovery and repatriation of the vehicle | not addressed | ||
| Rental car or loss of use | not addressed | ||
| Diminished value after repair | not addressed | ||
| Accessories, luggage and work items carried in the vehicle | yes, up to the sum insured | „sowie Zubehör, das der Pannenhilfe oder ausschließlich der Unfallaufnahme dient.“ | Nr. 4, page 2 |
| Electric vehicles: battery, charging cable and damage while charging | not addressed | ||
| Exclusion of brake, operating, engine, tyre and pure breakage damage | yes | „Versichert ist auch ein bei einer Dienstfahrt durch ein äußeres Ereignis am …“ | Nr. 4, page 2 |
Loss of no-claims bonus and deductible
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible of the business trip cover per claim | yes, up to the sum insured | „wenn der erstattungsfähige Betrag 75 € nicht übersteigt.“ | Nr. 2, page 1 |
| Deductible selectable or waivable | not addressed | ||
| Loss of no-claims bonus in the private motor liability policy reimbursed | no | „Der Versicherungsschutz nach Nr. 2 umfasst nicht den infolge einer Höherstufung in der …“ | Bekanntmachung Nr. 4, page 1 |
| Loss of no-claims bonus in the private comprehensive policy reimbursed | not addressed | ||
| Bonus loss over several years (reimbursement period, calculation of extra premiums) | not addressed | ||
| Deductible of the private own damage policy reimbursed when the claim is settled there | yes, up to the sum insured | „Eine evtl. Selbstbeteiligung in der anderweitigen Teilkaskoversicherung wird durch die …“ | Nr. 6, page 3 |
| Subsidiarity: benefit only where no other own damage or liability insurance pays | yes | „so sind Schäden, die unter die Teilkaskoversicherung fallen, ausschließlich aus der …“ | Nr. 6, page 3 |
| Private own damage policy of the vehicle keeper is not charged | yes | „Besteht neben der Dienstfahrt-Fahrzeugversicherung anderweitig eine …“ | Nr. 6, page 3 |
| Benefit also where a third party is at fault, with recourse against that party | no | „sofern nicht ein Dritter ersatzpflichtig ist.“ | Nr. 4, page 2 |
Exclusions and duties
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Private trips excluded | yes | „aus Unfällen während Dienstfahrten nach Maßgabe der Verwaltungsvorschriften zum …“ | Nr. 2, page 1 |
| Exclusion or reduction for alcohol and drugs | not addressed | ||
| Driving licence and authorised driver required | not addressed | ||
| Exclusion of races, driver training and track driving | not addressed | ||
| Exclusion of intent | yes | „bei vorsätzlicher oder grob fahrlässiger Herbeiführung des Schadens“ | Nr. 2, page 1 |
| Time limit for notifying a claim | yes | „unverzüglich, spätestens innerhalb einer Frist von 3 Monaten nach dem Unfall bei der …“ | Nr. 5, page 3 |
| Duty to report to the police (theft, game damage, damage above an amount) | not addressed | ||
| Repair approval, expert report and choice of workshop | not addressed | ||
| Entitlement to claim: policyholder or insured person directly | yes | „Versicherte Personen machen ihre Ansprüche gegenüber der Ecclesia Versicherungsdienst …“ | Nr. 5, page 2 |
Contract, term and premium basis
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Premium basis (kilometres driven, number of persons or vehicles, flat rate, days) | not addressed | ||
| Declaration of kilometres or persons and year-end adjustment | not addressed | ||
| Minimum premium | not addressed | ||
| Available only together with a fleet or motor policy with the same insurer | not addressed | ||
| Term and tacit renewal | not addressed | ||
| Notice period at expiry | not addressed | ||
| Termination after a claim | not addressed | ||
| Premium adjustment based on claims experience | not addressed | ||
| Underlying terms (general motor conditions, special conditions, bonus loss clause) | yes | „Allgemeinen Bedingungen für die Kraftfahrtversicherung (AKB) in der Fassung der …“ | Nr. 3, page 2 |
Add-ons and market specifics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Passenger accident or driver protection on business trips | not addressed | ||
| Motor legal protection for the business trip | not addressed | ||
| Supplementary liability cover beyond the private motor liability policy | not addressed | ||
| Reference to the employer duty to reimburse expenses (Germany section 670 BGB, Austria section 1014 ABGB) | yes | „Abweichend von den AKB besteht eine Leistungspflicht des Versicherers gegenüber den …“ | Nr. 3, page 2 |
| Spain: relation to the mileage allowance (kilometraje) and to accidents in itinere or en misión | not addressed | ||
| Spain: Consorcio de Compensación de Seguros for extraordinary risks | not addressed |
Evaluated by NAMMERT from published policy wordings.
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legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- Baloise Sachversicherung Aktiengesellschaft Deutschland
- Distribution
- brokers and direct
- Bekanntmachung Dienstfahrt-Fahrzeugversicherung mit Vertrag und Sonderbedingung Nr. 1 (Rabattverlustversicherung) Edition: Bekanntmachung vom 14. Dezember 2009 (FMBl. 2010 S. 2), in Kraft seit 1. Januar 2010 Copy hosted by an intermediary, not by the insurer
- Merkblatt zur Dienstfahrt-Fahrzeugversicherung (DFFV) Edition: Anlage 1 zur Bekanntmachung vom 14. Dezember 2009, AKB in der Fassung vom 09.07.2008 Copy hosted by an intermediary, not by the insurer
Full text of the wording
The full text exists only in German.
It is printed on the German page for Baloise Dienstfahrt-Fahrzeugversicherung Freistaat Bayern and
available as plain text.
Volltext Baloise Dienstfahrt-Fahrzeugversicherung Freistaat Bayern Dienstreisekasko · As text (Markdown) Baloise Dienstfahrt-Fahrzeugversicherung Freistaat Bayern Business trip cover