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Ecclesia Dienstreise-Fahrzeugversicherung Rahmenvertrag II: the policy wording in full
Rahmenvertrag II für Kolpingeinrichtungen: Vollkasko mit 150 Euro Selbstbeteiligung für privateigene Pkw haupt-, neben- und ehrenamtlich Tätiger auf Dienstfahrten, dazu Rabattverlust in der Kfz-Haftpflicht und Insassenunfall.
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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 Ecclesia
Dienstreise-Fahrzeugversicherung Rahmenvertrag II.
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 | „im Auftrag und Interesse des Versicherungsnehmers (Kolpingeinrichtung) für …“ | Versicherte Leistungen, page 1 |
| Eligible policyholders (companies, clubs, associations, churches, welfare bodies, municipalities) | yes | „im Auftrag und Interesse des Versicherungsnehmers (Kolpingeinrichtung)“ | Versicherte Leistungen, page 1 |
| Employees using their private vehicle on business trips covered | yes | „Der Versicherungsschutz erstreckt sich auf alle privateigenen Pkw, die von …“ | Versicherte Leistungen, page 1 |
| Volunteers and unpaid helpers covered | yes | „Der Versicherungsschutz erstreckt sich auf alle privateigenen Pkw, die von …“ | Versicherte Leistungen, 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 | „Der Versicherungsschutz erstreckt sich auf alle privateigenen Pkw“ | Versicherte Leistungen, page 1 |
| Vehicles of spouses, relatives or third parties used by the entitled person on business covered | yes | „Ein Highlight des Versicherungsschutzes ist, dass auch Fahrzeuge, die von befreundeten …“ | Versicherte Leistungen, page 1 |
| Leased, financed and rented private vehicles covered | no | „Nicht versichert sind Fahrzeuge, die sich im Eigentum der Kolpingeinrichtung befinden …“ | Versicherte Leistungen, page 1 |
Insured vehicles and trips
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured vehicle types (cars, estates, motorcycles, minibuses, vans up to a payload) | yes | „Zusätzlich besteht Versicherungsschutz für sonstige Fahrzeuge (auch Lkw), die bei …“ | Versicherte Leistungen, 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 | „Nicht versichert sind Fahrzeuge, die sich im Eigentum der Kolpingeinrichtung befinden …“ | Versicherte Leistungen, page 1 |
| Definition of a business trip (ordered or approved, on behalf and in the interest of the policyholder) | yes | „im Auftrag und Interesse des Versicherungsnehmers (Kolpingeinrichtung) für …“ | Versicherte Leistungen, 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 | yes | „sonstige Fahrzeuge (auch Lkw), die bei Sammlungen und Transporten zum Einsatz kommen“ | Versicherte Leistungen, page 1 |
| 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 oben genannten Fahrzeuge besteht eine Fahrzeugvollversicherung mit einer …“ | Dienstreise-Fahrzeugversicherung, 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 | not addressed | ||
| Indemnity at replacement value, new price for recent vehicles | not addressed | ||
| Waiver of the gross negligence defence | not addressed | ||
| Towing, recovery and repatriation of the vehicle | not addressed | ||
| Rental car or loss of use | yes, up to the sum insured | „Auf Wunsch erhalten Sie für die Dauer der Reparatur im Austausch für Ihr Fahrzeug einen …“ | Vorgehensweise im Schadenfall, page 1 |
| Diminished value after repair | not addressed | ||
| Accessories, luggage and work items carried in the vehicle | yes, up to the sum insured | „Versichert sind auch Schäden (Beschädigung, Zerstörung, Verlust) an bestimmten, unter …“ | Dienstreise-Fahrzeugversicherung, page 1 |
| 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 150 | „Für die oben genannten Fahrzeuge besteht eine Fahrzeugvollversicherung mit einer …“ | Dienstreise-Fahrzeugversicherung, page 1 |
| Deductible selectable or waivable | not addressed | ||
| Loss of no-claims bonus in the private motor liability policy reimbursed | yes, up to the sum insured | „befriedigt die Rabattverlustversicherung die Ersatzansprüche des betroffenen …“ | Rabattverlustversicherung, page 2 |
| 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 | not addressed | ||
| Subsidiarity: benefit only where no other own damage or liability insurance pays | not addressed | ||
| Private own damage policy of the vehicle keeper is not charged | not addressed | ||
| 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 | „im Auftrag und Interesse des Versicherungsnehmers (Kolpingeinrichtung) für …“ | Versicherte Leistungen, 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 | not addressed | ||
| Time limit for notifying a claim | yes | „Sie setzen sich unverzüglich unter der oben genannten Telefonnummer mit unserer …“ | Vorgehensweise im Schadenfall, 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 | „Über einen bundesweit eigenständig und unabhängig tätigen Werkstattnetzbetreiber …“ | Vorgehensweise im Schadenfall, page 1 |
| Entitlement to claim: policyholder or insured person directly | not addressed |
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 | „Der Dienstreise-Fahrzeugversicherung liegen die Allgemeinen …“ | Dienstreise-Fahrzeugversicherung, page 1 |
Add-ons and market specifics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Passenger accident or driver protection on business trips | yes, up to EUR 52,000 | „Die Versicherungssumme beträgt 52.000 Euro bei Invalidität (275 Prozent Progression) …“ | Insassenunfallversicherung, page 2 |
| 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) | not addressed | ||
| 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
- Ecclesia Versicherungsdienst GmbH (Versicherungsmakler, Risikoträger je Rahmenvertrag am Text prüfen)
- Distribution
- available through brokers
- Produkthinweisblatt Dienstreise-Fahrzeugversicherung, Rahmenvertrag II (Kolping) Edition: Stand 07.2024 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 Ecclesia Dienstreise-Fahrzeugversicherung Rahmenvertrag II
and available as plain text.
Volltext Ecclesia Dienstreise-Fahrzeugversicherung Rahmenvertrag II Dienstreisekasko · As text (Markdown) Ecclesia Dienstreise-Fahrzeugversicherung Rahmenvertrag II Business trip cover