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BGV Rahmenvertrag Physio Deutschland: the policy wording in full
Gruppenvertrag des Regionalverbands Mitteldeutschland von Physio Deutschland bei der Badischen Allgemeinen Versicherung: Vollkasko für Pkw von Arbeitnehmern der Mitgliedspraxen auf Dienstfahrten, 1.000 Euro Selbstbeteiligung, höchstens 55.000 Euro je Schadenfall, nachrangig zu einer eigenen Kasko.
German market: tariffs for people living in Germany.
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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 BGV Rahmenvertrag Physio
Deutschland.
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 | „Aus diesem Grund hat der Regionalverband Mitteldeutschland eine …“ | Infoblatt, Einleitung, page 1 |
| Eligible policyholders (companies, clubs, associations, churches, welfare bodies, municipalities) | yes | „Dienstreise-Kaskoversicherung: Gruppenversicherung für alle Mitglieder“ | Infoblatt, Überschrift, page 1 |
| Employees using their private vehicle on business trips covered | yes | „Sie bezieht sich auf alle Pkw, die von Arbeitnehmern“ | Infoblatt, Absatz 2, page 1 |
| Volunteers and unpaid helpers covered | not addressed | ||
| Officers and board members (board, management, elected office holders) covered | not addressed | ||
| Freelancers, fee-based staff and instructors covered | no | „Pkw von freien Mitarbeitern sind in dieser Versicherung nicht miteingeschlossen.“ | Infoblatt, Absatz 2, page 1 |
| Blanket cover for all entitled persons without naming them | yes | „Sie bezieht sich auf alle Pkw, die von Arbeitnehmern“ | Infoblatt, Absatz 2, page 1 |
| Vehicles of spouses, relatives or third parties used by the entitled person on business covered | yes | „Versicherte Person ist der Eigentümer, Halter oder Führer des genutzten Fahrzeuges.“ | Infoblatt, Absatz 3, page 1 |
| Leased, financed and rented private vehicles covered | not addressed |
Insured vehicles and trips
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured vehicle types (cars, estates, motorcycles, minibuses, vans up to a payload) | yes | „Sie bezieht sich auf alle Pkw“ | Infoblatt, Absatz 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 | „soweit es sich um Fahrzeuge handelt, die sich nicht im Eigentum oder Besitz des …“ | Infoblatt, Absatz 2, page 1 |
| Definition of a business trip (ordered or approved, on behalf and in the interest of the policyholder) | yes | „mit Einwilligung des Praxisinhabers/der Praxisinhaberin zu Dienstfahrten benutzt werden“ | Infoblatt, Absatz 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 | not addressed | ||
| 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) | not addressed |
Own damage cover
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Comprehensive: accident, self-inflicted damage and vandalism | yes | „Für die versicherten Fahrzeuge besteht während der Dienstfahrten eine …“ | Infoblatt, Absatz 3, page 1 |
| Partial cover: fire, explosion, theft, storm, hail, flood | not addressed | ||
| 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 EUR 55,000 | „Es wurde eine Höchstentschädigung je Schadenfall von 55.000 Euro vereinbart.“ | Infoblatt, Absatz 3, page 1 |
| Indemnity at replacement value, new price for recent vehicles | not addressed | ||
| Waiver of the gross negligence defence | no | „soweit sie nicht grob fahrlässig oder vorsätzlich verursacht worden sind“ | Infoblatt, Rabattverlust, page 2 |
| 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 | not addressed | ||
| Electric vehicles: battery, charging cable and damage while charging | not addressed | ||
| Exclusion of brake, operating, engine, tyre and pure breakage damage | not addressed |
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, excess EUR 1,000 | „Die Selbstbeteiligung je Schadenfall beträgt 1.000 Euro.“ | Infoblatt, Seite 2, page 2 |
| Deductible selectable or waivable | not addressed | ||
| Loss of no-claims bonus in the private motor liability policy reimbursed | yes, up to the sum insured | „Sind die Drittschäden der Höhe nach geringer als der errechnete Rabattverlust, wird der …“ | Infoblatt, Rabattverlust, page 2 |
| Loss of no-claims bonus in the private comprehensive policy reimbursed | yes, up to the sum insured | „so ersetzt der Versicherer den aufgrund des Schadensfalles sich aus der Rückstufung des …“ | Infoblatt, Rabattverlust, page 2 |
| Bonus loss over several years (reimbursement period, calculation of extra premiums) | yes | „bis zum Erreichen des Beitragssatzes, den der Antragsteller ohne Berücksichtigung eines …“ | Infoblatt, Rabattverlust, page 2 |
| Deductible of the private own damage policy reimbursed when the claim is settled there | yes, up to the sum insured | „Hierzu zählt insbesondere der Teil der Selbstbeteiligung in der weiteren …“ | Infoblatt, Schadensfall, page 1 |
| Subsidiarity: benefit only where no other own damage or liability insurance pays | yes | „so hat der Geschädigte die Entschädigungsleistung aus der weiteren Kasko-Versicherung …“ | Infoblatt, Schadensfall, page 1 |
| Private own damage policy of the vehicle keeper is not charged | no | „so hat der Geschädigte die Entschädigungsleistung aus der weiteren Kasko-Versicherung …“ | Infoblatt, Schadensfall, page 1 |
| Benefit also where a third party is at fault, with recourse against that party | not addressed |
Exclusions and duties
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Private trips excluded | yes | „Der Versicherungsschutz beginnt mit Antritt der Dienstfahrt und erlischt mit deren …“ | Infoblatt, Absatz 3, 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 | „soweit sie nicht grob fahrlässig oder vorsätzlich verursacht worden sind“ | Infoblatt, Rabattverlust, page 2 |
| Time limit for notifying a claim | yes | „Jeder Schadensfall ist unverzüglich dem Versicherer, der Badischen Allgemeine …“ | Infoblatt, Schadensfall, page 1 |
| Duty to report to the police (theft, game damage, damage above an amount) | not addressed | ||
| Repair approval, expert report and choice of workshop | yes | „Der Versicherer ist berechtigt, einen Gutachter mit der Besichtigung des beschädigten …“ | Infoblatt, Schadensfall, page 1 |
| Entitlement to claim: policyholder or insured person directly | yes | „Der Versicherte kann seine Versicherungsansprüche selbstständig geltend machen.“ | Infoblatt, Seite 2, 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) | not addressed |
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 | „Denn der Arbeitgeber muss aufgrund seiner Fürsorgepflicht gegenüber dem Arbeitnehmer …“ | Infoblatt, Einleitung, page 1 |
| 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.
Despite care, a value may be misread;
legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- BGV-Versicherung Aktiengesellschaft, Badische Allgemeine Versicherung AG (Versicherer laut Infoblatt)
- Distribution
- brokers and direct
- Infoblatt Dienstreisekaskoversicherung Edition: Stand 10/2023 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 BGV Rahmenvertrag Physio Deutschland and available as plain
text.
Volltext BGV Rahmenvertrag Physio Deutschland Dienstreisekasko · As text (Markdown) BGV Rahmenvertrag Physio Deutschland Business trip cover