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ALTE LEIPZIGER gewerblicher Möbelverkehr: the policy wording in full
Verkehrshaftung für Umzüge innerhalb Deutschlands nach §§ 451 ff. HGB mit 300.000 Euro je Lastzug oder Lager und 50.000 Euro für Nebenleistungen.
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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 ALTE LEIPZIGER gewerblicher
Möbelverkehr.
Insured activities and legal basis
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Liability as road haulage carrier (contracts of carriage) | yes | „Beförderungen von Umzugsgut innerhalb der Bundesrepublik Deutschland einschließlich …“ | 1.1.1, page 1 |
| Liability as freight forwarder (forwarding contracts, fixed price and groupage) | not addressed | ||
| Liability as warehouse keeper (storage contracts, transit and ordered storage) | yes | „entgeltliche, disponierte Lagerungen innerhalb der Bundesrepublik Deutschland“ | 1.2.3, page 1 |
| Liability under national carriage law (Germany HGB, Austria UGB, Spain Act 15/2009) | yes | „der deutschen gesetzlichen Bestimmungen, insbesondere der §§ 451 ff. HGB einschließlich …“ | 3.1.1, page 1 |
| Liability under the CMR Convention for international road carriage | not addressed | ||
| Liability under forwarders' standard terms (ADSp 2017, in Austria AÖSp) | yes | „der Allgemeinen Geschäftsbedingungen (AGB); vorausgesetzt der Versicherer hat dem …“ | 3.1.2, page 1 |
| Liability for carriage by other modes (rail CIM, air Montreal Convention, sea, inland waterway, multimodal) | not addressed | ||
| Cabotage: domestic carriage in other states under local law | not addressed | ||
| Territorial scope (states in which carriage is insured) | yes | „besteht Versicherungsschutz für Verkehrsverträge innerhalb der Bundesrepublik Deutschland“ | 5.1, page 1 |
| Cover only for own vehicles named in the policy (tied to registration numbers) | not addressed | ||
| Use of subcontractors and third party carriers included | yes | „Subunternehmer gelten nur dann im Umfang der Versicherung mitversichert, sofern sie …“ | 2.2, page 1 |
Insurer's services
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Cargo damage: loss of and damage to goods in custody | yes, up to EUR 300,000 | „bei Ansprüchen gem. Ziffer 1.1.1 nach § 451 e) HGB, höchstens jedoch mit 300.000 EUR je …“ | 8.1.1, page 2 |
| Delay in delivery | not addressed | ||
| Consequential loss following cargo damage | not addressed | ||
| Pure financial loss (without cargo damage, such as misrouting or wrong delivery) | yes, up to EUR 250,000 | „bei sonstigen Vermögenschäden nach § 433 HGB 250.000 EUR“ | 8.1.3, page 2 |
| Cash on delivery errors (delivery without collecting the amount) | not addressed | ||
| Defence against unfounded claims and legal costs | yes | „Die Versicherung umfasst die Befriedigung begründeter und die Abwehr unbegründeter …“ | 4.1, page 1 |
| Costs of averting and minimising loss (sue and labour) | yes, up to the sum insured | „die Aufwendungen zur Abwendung oder Minderung eines ersatzpflichtigen Schadens, wenn …“ | 4.2.1, page 1 |
| Recovery, removal and destruction costs for damaged goods | yes, up to EUR 10,000 | „die aufgrund gesetzlicher oder behördlicher Verpflichtung aufzuwendenden Kosten bis zu …“ | 4.4, page 1 |
| Customs duties, excise and charges arising from a loss (also Art. 23(4) CMR) | not addressed |
Sums insured and limits
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Maximum indemnity per event | yes, up to EUR 300,000 | „Die Versicherungsleistung aus diesem Versicherungsvertrag ist, gleichgültig ob ein oder …“ | 8.1, page 2 |
| Maximum indemnity per claim (per claimant or contract) | not addressed | ||
| Annual aggregate limit | not addressed | ||
| Limit per vehicle, means of transport or consignment | yes, up to EUR 300,000 | „bei Ansprüchen gem. Ziffer 1.1.1 nach § 451 e) HGB, höchstens jedoch mit 300.000 EUR je …“ | 8.1.1, page 2 |
| Standard liability in special drawing rights per kilogram (8.33 SDR under HGB and CMR, corridor up to 40 SDR) | not addressed | ||
| Contractually agreed higher liability (up to 40 SDR per kg or above) included | not addressed | ||
| Declarations of value and special interest (Art. 24 and 26 CMR, value agreements) | yes, up to EUR 300,000 | „bei allen sonstigen unter diesen Versicherungsvertrag fallenden Ansprüchen …“ | 8.1.5, page 2 |
| Unlimited liability for wilful misconduct or equivalent default (sec. 435 HGB, Art. 29 CMR) | yes, up to EUR 150,000 | „durch Leichtfertigkeit und in dem Bewusstsein, dass ein Schaden mit Wahrscheinlichkeit …“ | 8.2, page 2 |
| Limit for warehouse losses per claim and per warehouse | yes, up to EUR 300,000 | „bei Ansprüchen gem. Ziffer 1.1.1 nach § 451 e) HGB, höchstens jedoch mit 300.000 EUR je …“ | 8.1.1, page 2 |
| Inventory differences in the warehouse (shortages at stocktaking) | not addressed | ||
| Limit for pure financial loss and delay | yes, up to EUR 250,000 | „bei sonstigen Vermögenschäden nach § 433 HGB 250.000 EUR“ | 8.1.3, page 2 |
Special goods and extensions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Theft-attractive goods (consumer electronics, tobacco, spirits, pharmaceuticals): insured, limit per consignment | not addressed | ||
| Valuables, precious metals, jewellery, cash, securities and documents | not addressed | ||
| Temperature-controlled goods (chilled and frozen, failure of the refrigeration unit) | not addressed | ||
| Dangerous goods (ADR) and carriage in tank and silo vehicles | not addressed | ||
| Household removals and furniture carriage | yes, up to EUR 300,000 | „Beförderungen von Umzugsgut innerhalb der Bundesrepublik Deutschland einschließlich …“ | 1.1.1, page 1 |
| Heavy lift, abnormal loads and crane work (hook load) | not addressed | ||
| Damage to third party trailers, swap bodies, containers and chassis | not addressed | ||
| Value added logistics services (picking, packing, labelling, assembly) | yes, up to EUR 50,000 | „die mit diesen Aufträgen zusammenhängenden Nebenleistungen gem. § 451 a) HGB, wie z. B …“ | 1.1.2, 8.1.2, page 1 |
| Customs clearance for customers (liability for duties in case of errors) | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Losses caused intentionally by the insured or its representatives excluded | yes | „wegen vorsätzlicher Herbeiführung des Versicherungsfalls durch den Versicherungsnehmer …“ | 6.1.13, page 2 |
| Recourse or reduction for gross negligence or recklessness of the insured | none | „Der Versicherer verzichtet auf einen Rückgriff gegen den Versicherungsnehmer und seine …“ | 10.1, page 3 |
| Undertakings beyond statutory liability, guarantees and contractual penalties excluded | not addressed | ||
| War, civil war, terrorism, strike, riot and seizure excluded | yes | „aus Schäden durch Krieg, kriegsähnliche Ereignisse, Bürgerkrieg, innere Unruhen, Aufruhr“ | 6.1.2, 6.1.3, 6.1.6, page 1 |
| Losses from cyber attacks and failure of information technology excluded (cyber clause) | not addressed | ||
| Sanctions clause (no cover where embargoes or economic sanctions apply) | yes | „kein Versicherungsschutz, wenn und soweit dem Versicherer aufgrund der für ihn …“ | 1.2.4, page 1 |
| Fraud by phantom carriers and subcontracting via freight exchanges excluded or insured only after vetting | not addressed | ||
| Carriage without the required permit or licence excluded | yes | „dafür zu sorgen, dass für die Auftragsdurchführung erforderliche Genehmigungen …“ | 7.1.4, page 2 |
| Personal injury and environmental damage excluded (covered by general and motor liability) | yes | „die üblicherweise Gegenstand einer Betriebs-, Produkt-, Umwelt-, Gewässerschaden …“ | 6.1.7, 6.1.12, page 2 |
| Inherent vice, nature of the goods and defective packing by the sender excluded | yes | „Im übrigen gelten die besonderen Haftungsausschlussgründe des § 451 d) HGB.“ | 6.2, page 2 |
Duties and security
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Guarded or secured parking of loaded vehicles required | yes | „gegen Diebstahl oder Raub zu sorgen, insbesondere auch zur Nachtzeit, an Wochenenden …“ | 7.1.3, page 2 |
| Restrictions on parking at night, at weekends and on public holidays | yes | „gegen Diebstahl oder Raub zu sorgen, insbesondere auch zur Nachtzeit, an Wochenenden …“ | 7.1.3, page 2 |
| Anti-theft devices on the vehicle required (immobiliser, tracking, locks) | not addressed | ||
| Careful selection and supervision of drivers and subcontractors (licence, proof of insurance) | yes | „die Auswahl der Subunternehmer und Erfüllungsgehilfen mit der Sorgfalt eines …“ | 7.1.8, page 2 |
| Interface checks and documentation of handovers | yes | „Schnittstellenkontrollen durchzuführen und zu dokumentieren“ | 7.1.6, page 2 |
| Pre-cooling, temperature monitoring and records for reefer cargo, maintenance of the unit | not addressed | ||
| Time limit for notifying the insurer of a claim | yes | „jeden Schadenfall oder geltend gemachten Haftungsanspruch dem Versicherer unverzüglich …“ | 7.2.1, page 2 |
| No admission of liability and no payment without the insurer's consent | not addressed | ||
| Consequences of breach of duties (release from liability or reduction) | yes | „Verletzt der Versicherungsnehmer oder einer seiner Repräsentanten diese oder sonst …“ | 7.3.1, page 2 |
Deductible, premium and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible per claim (amount or percentage) | yes, up to the sum insured | „Die Schadenbeteiligung des Versicherungsnehmers ist in den dem Versicherungsvertrag …“ | 9.1, page 3 |
| Increased deductible for theft, robbery or theft-attractive goods | not addressed | ||
| Premium basis (turnover, vehicles, payload) and minimum premium | yes | „Die Höhe der Prämie, Zahlung und Sanierung ist in den Geschriebenen Bedingungen geregelt.“ | 11.3, page 3 |
| Declaration duty: reporting of turnover, vehicles and contracts, consequences of incorrect reports | yes | „Hat der Versicherungsnehmer die Anmeldung unterlassen oder fehlerhaft vorgenommen, so …“ | 11.2.1, page 3 |
| Premium adjustment according to loss experience | yes | „Die Höhe der Prämie, Zahlung und Sanierung ist in den Geschriebenen Bedingungen geregelt.“ | 11.3, page 3 |
| Contract term and tacit renewal | not addressed | ||
| Notice period at expiry | yes | „Die Kündigung muss drei Monate vor Ablauf des Vertrages zugegangen sein.“ | 13.1, page 3 |
| Insurance certificate for customers and authorities (in Germany evidence under sec. 7a GüKG) | yes | „Die Bestimmungen des Vertrages gelten nur, soweit nicht die zwingende gesetzliche …“ | 17.1, page 3 |
| Automatic cover for new activities, vehicles and branches | not addressed | ||
| Temporal scope: the conclusion of the transport contract is decisive, run-off after expiry | yes | „Der Versicherungsschutz bleibt für alle vor Beendigung des Versicherungsvertrages …“ | 13.3, page 3 |
Evaluated by NAMMERT from published policy wordings.
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Policy wordings and provider
- Legal entity
- Alte Leipziger Versicherung Aktiengesellschaft
- Distribution
- brokers and direct
- Bedingungen für den gewerblichen Möbelverkehr, Druckstück T 84 Edition: T 84.7, AL-Fassung März 2015 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 ALTE LEIPZIGER gewerblicher Möbelverkehr and available as
plain text.
Volltext ALTE LEIPZIGER gewerblicher Möbelverkehr Verkehrshaftung · As text (Markdown) ALTE LEIPZIGER gewerblicher Möbelverkehr Carrier liability